Privacy Policy
Introduction
Scratchpay (operated by Scratch-pay Financial) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you use our loan connection services.
Information We Collect
Personal Information
We collect personal information you provide directly to us, including:
- Name, address, phone number, and email
- Date of birth and Social Security Number
- Employment and income information
- Bank account information
- Driver's license or state ID information
Automatically Collected Information
We automatically collect certain information when you visit our site:
- IP address, browser type, and device information
- Pages viewed and links clicked
- Referring website and search terms used
How We Use Your Information
We use your information to:
- Connect you with potential lenders and facilitate loan applications
- Verify your identity and prevent fraud
- Improve our services and user experience
- Communicate with you about your application and our services
- Comply with legal obligations
Information Sharing
We may share your information with:
- Lenders: We share your loan application with participating lenders in our network
- Service Providers: Third parties who assist in operating our services
- Marketing Partners: With your consent, we may share information for marketing purposes
- Legal Requirements: When required by law or to protect our rights
Your Privacy Rights
You have the right to:
- Access the personal information we have about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal requirements)
- Opt-out of marketing communications
- Opt-out of information sales (see our Do Not Sell page)
Data Security
We implement industry-standard security measures including:
- 256-bit SSL encryption for data transmission
- Secure servers with restricted access
- Regular security audits and updates
- Employee training on data protection
Cookies and Tracking
We use cookies and similar technologies to improve your experience, analyze site usage, and deliver personalized content. You can control cookies through your browser settings.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.
Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last updated" date.
Contact Us
For questions about this Privacy Policy or to exercise your privacy rights:
Scratch-pay Financial
123 Financial Plaza, Suite 500
San Francisco, CA 94105
Email: contact@scratchpayvetonline.com