Privacy Policy

At ZipCoApply, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our loan connection services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

1. Information We Collect

We may collect information about you in a variety of ways. The information we may collect via the website includes:

Personal Data

When you submit a loan application through our platform, we collect personally identifiable information that you voluntarily provide, including but not limited to:

• Full legal name
• Date of birth
• Social Security Number
• Home address
• Email address
• Phone number
• Employment information
• Income information
• Bank account information

Derivative Data

Our servers automatically collect information when you access our website, such as your IP address, browser type, operating system, access times, and the pages you have viewed directly before and after accessing the site.

Financial Data

Financial information, such as data related to your payment method (e.g., bank account number, bank name) that we may collect when you apply for a loan. We store only very limited, if any, financial information that we collect.

2. How We Use Your Information

We use the information we collect about you for various purposes, including to:

• Process your loan application and connect you with potential lenders
• Verify your identity and prevent fraud
• Communicate with you about your application status
• Send you administrative information, such as updates to our terms and policies
• Respond to your comments, questions, and requests
• Improve our website and services
• Monitor and analyze usage patterns and trends
• Comply with legal obligations

3. Disclosure of Your Information

We may share information we have collected about you in certain situations:

With Lending Partners

We share your application information with our network of licensed lending partners who may offer you a loan. This is the primary purpose of our service and is necessary to process your loan request.

By Law or to Protect Rights

If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by applicable law.

Business Transfers

We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

Third-Party Service Providers

We may share your information with third parties that perform services for us or on our behalf, including data analysis, email delivery, hosting services, customer service, and marketing assistance.

4. Security of Your Information

We use administrative, technical, and physical security measures to help protect your personal information. We implement industry-standard 256-bit SSL encryption to secure data transmission. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

5. Cookies and Tracking Technologies

We may use cookies, web beacons, tracking pixels, and other tracking technologies on our website to help customize the site and improve your experience. When you access our website, your personal information is not collected through the use of tracking technology. Most browsers are set to accept cookies by default. You can remove or reject cookies, but be aware that such action could affect the availability and functionality of the site.

6. Third-Party Websites

Our website may contain links to third-party websites and applications of interest, including advertisements and external services that are not affiliated with us. Once you have used these links to leave our site, any information you provide to these third parties is not covered by this Privacy Policy, and we cannot guarantee the safety and privacy of your information.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access personal information we hold about you
• The right to request correction of inaccurate personal information
• The right to request deletion of your personal information
• The right to opt-out of certain uses of your information
• The right to data portability

To exercise these rights, please contact us at info@zipcoapply.com.

8. California Privacy Rights

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year.

9. Do Not Track

Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals.

10. Children's Privacy

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this website. If we learn we have collected personal information from a child under 18, we will delete that information.

11. Changes to This Privacy Policy

We may update this privacy policy from time to time in order to reflect changes to our practices or for other operational, legal, or regulatory reasons. The updated version will be indicated by an updated "Last Updated" date. We encourage you to review this privacy policy periodically to stay informed about how we are protecting your information.

12. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

Email: info@zipcoapply.com

Website: zipcoapply.com