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PRIVACY POLICY

This Privacy Policy covers creditpack.org, its subsidiaries, and any of its websites (“Websites”). This Privacy Policy is designed to tell you about our practices regarding collection, use, and disclosure of information that you may provide via this Website and certain related services. Please be sure to read this entire Privacy Policy before using, or submitting information, to this Website.

This Website is not intended for anyone under the age of eighteen (18) or persons residing outside of the United States. By accessing the Website on any computer, mobile phone, tablet, or other device (collectively, “Device”), you agree to the terms of this Privacy Policy. If you do not agree to the Policy, please do not use the Website.

We may modify this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on our Website. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.

Collection of Information

The main purpose of our Website is helping you to find a loan from prospective lenders participating in our direct network of loan lenders (“participating lenders”).

Personal Information

We collect personal information from you when you provide it to us, including by providing information to us to find you a loan, or when you contact us. This information may include, for example, name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account information, financial information, employment information, and driver’s license number and state of issuance.

Non-Personal Information

When you visit the Website, we may collect certain non-personal information from you, including your Internet Protocol (IP) address, the date and time of your visit, browser type, operating system, the specific web pages visited during your connection, and the domain name from which you accessed the Website. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Website, the areas or pages of the Website that you visit, the amount of time you spend viewing the Website, the number of times you return to the Website and other clickstream data. We may also use non-personal information for statistical analysis, research, and other purposes.

Like many commercial websites, we analyze how visitors use our Site through what is known as “cookie” technology. A cookie is a small text file that is placed on your computer when you access the Site and allows us to recognize you each time you visit the Site. We may use cookies to: (1) enhance or personalize your Website usage; (2) monitor Website usage; (3) manage the Website; and (4) improve the Website and our services. If you choose, you can set your browser to reject cookies or you can manually delete individual or all of the cookies on your computer by following your browser’s help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have some trouble accessing and using some of the pages and features that are currently on our Website, or that we may put on our Website in the future.

We may also use web beacons on the Website, in our emails and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect information about your Site visit, such as the pages you view and the features you use, as well as information about whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you visited immediately before coming to the Website. Web beacons help us analyze our Website visitors’ behavior and measure the effectiveness of the Website and our advertising. We may work with service providers that help us track, collect and analyze this information.

We may combine the non-personal information we collect, such as through cookies and web beacons, with other information we have collected from you.

Use of Information

We may use the information we collect from and about you for any of the following purposes: (1) to fulfill your request for solicitation purposes and match you with a participating lender; (2) to respond to your inquiries; (3) to review Website usage and operations; (4) to address problems with the Website, our business or our services; (5) to protect the security or integrity of the Site and our business; (6) to monitor the Site for compliance with our Terms of Use and the law; (7) to enforce our contracts with you; (8) to remarket your information to third parties, with your consent where legally required and in accordance with all applicable laws and regulations; and (9) to contact you with Website updates, newsletters and other informational and promotional materials from us and offers from participating lenders, as well as from other companies.

Disclosure of Information

We may disclose information collected from and about you as follows: (1) to facilitate your request by sharing your personal information to participating lenders so that they may contact you regarding a loan; (2) our related companies and service providers, to perform a business, professional or technical support function for us; (3)with consumer reporting and related agencies; (4) as necessary if we believe that there has been a violation of the Website Terms of Use or of our rights or the rights of any third party; (5) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (6) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personal information about Website users with third parties.

Additionally, we may share your personally identifiable information (excluding your social security number, bank account information, or other financial information) with third party marketers and other service providers (including advertisers) with whom we have an ongoing business relationship.

Credit Implications of Providing Your Personal Information

Our participating third party lenders may verify, without limitation, your social security number and driver's license number, or any other qualifying identification and review your information against national databases to determine credit worthiness, standing and/or capacity. Please note that multiple inquiries on the three national databases (Equifax, Transunion and Experian) may result in a lowered credit score. By submitting your information you agree to allow third party providers to verify your information and check your credit as described in their policies and terms.

Security

We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us.

Interest Based Advertising

We may partner with ad networks and other ad serving providers (“Advertising Providers”) who serve ads on behalf of us and others on non-affiliated sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your visits to this site and elsewhere over time. Our Advertising Providers use cookies to personalize advertisements that you may see on other websites.

Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not Track” signals that may be sent by certain browsers or selected by you.

However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.

Children

We do not direct the Website to, nor do we knowingly collect any personal information from, children under the age of thirteen.

Third Party Websites

The Website may contain links to third-party websites, including those for participating lenders, which may have privacy policies that differ from our own. Additionally, third party vendors (including Google) may display advertisements for this site and our services. We are not responsible for, nor do we endorse, any of the activities and practices that take place on these sites. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.

Third Party Analytics

This site uses your information, including age, gender, and interests, to better understand the behavior of our customers while on the Site and inform our marketing efforts. Third party vendors (such as Google) may use cookies to serve advertisements to you based on your past visits to the site. You may opt out of the automated collection of information by third-party advertisers by changing your Google ads settings and preferences at http://www.google.com/ads/preferences. You may also learn more about Google’s privacy practices by visiting http://www.google.com/privacypolicy.html.

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Important Disclosures. Please Read Carefully.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where creditpack.org does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice. This website is not an offer to lend. creditpack.org is not a lender and does not make loan or credit decisions. creditpack.org connects interested persons with a lender from its network of approved lenders. creditpack.org does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. creditpack.org receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, creditpack.org’s service is always free to you. creditpack.org does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to creditpack.org, you are giving lenders in creditpack.org’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus such as Experian, Equifax and Trans Union and from alternative credit bureaus such as Teletrack or DP Bureau.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. creditpack.org has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.

APR Disclosure
The APR associated with your loan stands for the annual percentage rate, or the amount of interest you will be expected to pay in relation to the length of your loan term. Most of the time, the APR for short term loans ranges from 260.71% to 1825.00%, though this can vary somewhat. Although the APR associated with short term loans is higher than that associated with other forms of credit, it is still considerably less than the charges associated with overdrafts and nonsufficient funds. Please see below for a cost comparison.

+Compare

+Implications of Late Payment

+Implications of Nonpayment

+Collection Practices

+Impact on Credit Score

+Renewal Policy