Privacy Policy

1. Introduction

QuickLoansDirect.com ("QuickLoansDirect," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website quickloansdirect.com (the "Site") and use our services.

Quick Loans Direct is a marketing lead generator and is not a lender, broker, or financial institution. We connect business owners with third-party lending partners who may offer financing products. This Privacy Policy applies to information collected through our Site and does not govern the practices of third-party lending partners, who maintain their own privacy policies.

Please read this Privacy Policy carefully. By using the Site, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access the Site.

2. Information We Collect

We collect information that you voluntarily provide to us when you complete our application forms, contact us, or otherwise interact with our Site. The categories of information we collect include:

Personal Information

• First name, last name, and date of birth
• Email address and phone number
• Mailing address and residential information
• Social Security Number (SSN) or Tax Identification Number (TIN), if provided for lender matching purposes

Business Information

• Business name, DBA, and legal entity type
• Employer Identification Number (EIN)
• Industry, business type, and years in business
• Monthly and annual revenue figures
• Number of employees
• State of incorporation or formation
• Business bank account information (for verification)

Financial Information

• Requested loan or funding amount
• Purpose of funding
• Self-reported personal credit score range
• Existing business debt and obligations
• Bank statement summaries (when provided for pre-qualification)

Automatically Collected Information

• IP address, browser type, and operating system
• Device identifiers and mobile device information
• Referring URLs, access times, and pages viewed
• Advertising identifiers such as Google Click ID (GCLID) and Facebook Click ID (FBCLID)
• Geolocation data (approximate, based on IP address)
• Cookies, web beacons, and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Lead Generation and Matching: To match you with potential lending partners based on your application information and business profile.
• Communications: To communicate with you regarding your application, including via phone, email, and text message (SMS).
• Service Improvement: To improve our Site, services, and user experience through analytics and feedback.
• Marketing: To send you marketing communications about funding options, industry news, and related services, subject to your opt-out preferences.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes.
• Fraud Prevention: To detect, prevent, and address fraud, security issues, and technical problems.
• Analytics: To analyze usage patterns, track advertising performance, and measure the effectiveness of our marketing campaigns.
• Customer Support: To respond to your inquiries, provide assistance, and resolve issues.

4. Information Sharing with Lending Partners

As a lead generation platform, the core function of our service is to share your application information with third-party lending partners who may be able to assist with your funding needs. By submitting an application, you expressly consent to the sharing of your information with:

• Lending Partners: Third-party lenders, funders, and financial institutions in our network who may evaluate your application and contact you with offers. Your information may be shared with multiple lending partners simultaneously.
• Service Providers: Companies that help us operate our business, including CRM platforms (e.g., Salesforce, HubSpot), analytics providers (e.g., Google Analytics), email and SMS services, payment processors, and hosting providers.
• Marketing Partners: Third parties with whom we may share information for advertising, retargeting, and marketing purposes, subject to applicable law and your opt-out preferences.
• Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities (e.g., a court order, subpoena, or government agency).
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Once your information is shared with a lending partner, that partner's own privacy policy and terms of service will govern their use of your data. We encourage you to review the privacy practices of any third party before entering into an agreement with them.

5. Data Security Measures

We implement appropriate technical and organizational security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:

• 256-bit SSL/TLS encryption for all data transmitted through our website
• Encrypted storage of sensitive personal information at rest
• Strict access controls limiting employee access to personal data on a need-to-know basis
• Regular security assessments and vulnerability testing
• Firewall protection and intrusion detection systems
• Employee training on data security and privacy best practices

However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Cookies and Tracking Technologies

We use cookies, web beacons, pixel tags, and similar tracking technologies to collect information about your browsing activity on our Site. This includes:

• Essential Cookies: Required for the Site to function properly, including session management and security features.
• Analytics Cookies: Help us understand how visitors interact with our Site, including page views, time on site, and navigation paths (e.g., Google Analytics).
• Advertising Cookies: Used to deliver relevant advertisements, track campaign performance, and enable retargeting across advertising networks (e.g., Google Ads, Facebook Pixel, Microsoft Advertising).
• Functionality Cookies: Remember your preferences and settings to enhance your browsing experience.

You can manage your cookie preferences through your browser settings. Most browsers allow you to refuse cookies, delete existing cookies, or set alerts before cookies are placed. Note that disabling certain cookies may affect Site functionality and your user experience.

7. Third-Party Services

Our Site uses third-party services that may collect information about you, including:

• Google Analytics: For website traffic analysis and user behavior tracking. Google's privacy policy is available at policies.google.com/privacy.
• Google Ads: For advertising delivery and conversion tracking.
• Meta (Facebook) Pixel: For advertising optimization and retargeting.
• Communication Platforms: For email marketing, SMS messaging, and customer relationship management.

Our Site may contain links to third-party websites or services that are not operated by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

8. California Consumer Privacy Act (CCPA/CPRA) Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA). These include:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the purposes for collection, and the categories of third parties with whom we share your information.
• Right to Delete: You have the right to request the deletion of your personal information, subject to certain legal exceptions (e.g., compliance with legal obligations, completing transactions).
• Right to Opt Out of Sale/Sharing: You have the right to opt out of the "sale" or "sharing" of your personal information. Under the CCPA, the transfer of personal information to third parties for consideration, including our sharing of application data with lending partners, may constitute a "sale."
• Right to Correct: You have the right to request that we correct inaccurate personal information.
• Right to Limit Use of Sensitive Information: You have the right to limit the use and disclosure of sensitive personal information (e.g., SSN, financial account numbers).
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise any of these rights, please contact us at privacy@quickloansdirect.com or call us at 1-800-368-5028. We will respond to verified requests within 45 days as required by law.

In the preceding 12 months, we may have collected the following categories of personal information: identifiers, financial information, commercial information, internet activity, and professional/employment information. We collect this information for the business purposes described in Section 3 of this policy.

9. Your Rights and Choices

Regardless of your location, you have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information, subject to certain legal exceptions. Note that once information has been shared with lending partners, we cannot delete it from their systems.
• Opt-Out of Marketing: You may opt out of receiving marketing communications by following the unsubscribe instructions in our emails, replying STOP to text messages, or by contacting us directly.
• Opt-Out of Data Sharing: You may request that we stop sharing your personal information with third-party lending partners for future applications.

To exercise any of these rights, please contact us at privacy@quickloansdirect.com. We will respond to your request within a reasonable timeframe, and no later than as required by applicable law.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Specifically:

• Application Data: Retained for up to 3 years from the date of submission to facilitate potential future funding needs and for compliance purposes.
• Marketing Contact Data: Retained until you opt out of communications or request deletion.
• Website Analytics Data: Retained for up to 26 months in accordance with analytics platform retention policies.
• Legal and Compliance Records: Retained as required by applicable laws and regulations.

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies and applicable legal requirements.

11. Children's Privacy

Our Site and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. If you believe we have collected information from a minor, please contact us immediately.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top. We may also notify you of significant changes via email if you have provided your email address.

You are advised to review this Privacy Policy periodically for any changes. Your continued use of the Site after the posting of changes constitutes your acceptance of those changes.

13. Contact Us for Privacy Inquiries

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about our data practices, please contact us at:

For California residents: To submit a "Do Not Sell My Personal Information" request, email privacy@quickloansdirect.com with the subject line "CCPA Opt-Out Request."