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Privacy Policy

Last Updated: August 14, 2026  ·  Effective Date: August 14, 2026

1. Introduction & Scope

Welcome to Finvacy.com ("Finvacy," "we," "us," or "our"). Finvacy operates an independent online loan comparison marketplace designed to help consumers compare pre-qualified personal loan options from participating lenders in under 1 minute.

Finvacy is not a lender, broker, or financial institution. We do not issue loans, make credit decisions, or guarantee loan approval.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website, submit our loan intake form, or interact with our comparison tools. By using Finvacy.com, you agree to the collection and use of information in accordance with this Privacy Policy and our Terms of Use.

2. Information We Collect

We collect information that identifies, relates to, describes, or is reasonably capable of being associated with you ("Personal Information"):

A. Information You Provide Directly

When you use our comparison form or contact us, you may provide:

  • Contact Information: Full name, email address, phone number, and state of residence.
  • Borrowing Details: Desired loan amount, primary loan purpose (e.g., debt consolidation, home improvement), estimated credit score range, and funding timeline.
  • Communications: Any feedback, inquiries, or support requests submitted via our contact forms.

B. Information Collected Automatically

When you navigate our site, we automatically collect device and usage data via cookies, web beacons, and log files:

  • IP address, browser type and version, operating system, and device identifiers.
  • Referring URLs, pages viewed, time spent on pages, and clickstream data.

3. How We Use Your Information

Finvacy uses your information strictly for legitimate business and commercial purposes, including:

  • Loan Matching: Processing your inquiry in under 1 minute to connect you with participating lenders that match your profile.
  • Pre-Qualification: Facilitating pre-qualified rate checks without impacting your credit score.
  • Platform Improvement: Analyzing traffic trends, monitoring platform performance, and enhancing our comparison technology.
  • Communication: Responding to customer support requests and sending service-related notices.
  • Legal & Security: Protecting against fraud, unauthorized transactions, and complying with applicable U.S. laws and regulations.

(Note: Finvacy does not calculate, manage, or collect monthly loan repayments; all repayment terms and schedules are established directly between you and your chosen lender.)

4. How We Share Your Information

We may share your Personal Information only under the following circumstances:

  • With Participating Lenders: When you submit our loan intake form, you authorize us to transmit your borrowing criteria to our network of partner lenders so they can evaluate your eligibility and present pre-qualified loan options.
  • With Service Providers: We work with trusted third-party vendors who perform services on our behalf (e.g., website hosting, data security, analytics, and customer support). These vendors are bound by strict confidentiality agreements.
  • For Legal & Compliance Obligations: We may disclose information if required by law, subpoena, regulatory inquiry, or to protect the safety, rights, and property of Finvacy, our users, or the public.
  • Business Transfers: In the event of a merger, acquisition, reorganization, or sale of assets, user information may be transferred as a business asset.

We do NOT sell your sensitive personal data to unauthorized third parties or data brokers.

5. Soft Credit Inquiries & Credit Score Protection

Checking pre-qualified rates on Finvacy involves a soft credit inquiry conducted by our partner lenders.

  • Soft inquiries do not affect your credit score and are not visible to other lenders or credit bureaus.
  • A formal "hard" credit pull - which may temporarily affect your credit score - will only occur if you choose an offer and proceed with a full application directly on the lender’s secure website.

6. Cookies & Tracking Technologies

We use cookies and similar technologies for essential site functionality, performance analytics, and advertising management.

  • Strictly Necessary Cookies: Required for the operation and security of our platform.
  • Analytics Cookies: Help us understand how visitors interact with our comparison tools.
  • Your Choices: You can adjust your browser settings to refuse cookies or alert you when cookies are sent. You may also record your preferences via our "Do Not Sell or Share My Personal Information" modal.

7. Data Security & Storage

Finvacy implements industry-standard technical, administrative, and physical safeguards—including 256-bit SSL encryption—to protect your personal information from unauthorized access, alteration, disclosure, or destruction. While we strive to use commercially acceptable means to protect your data, no method of transmission over the Internet is 100% secure.

8. Your State Privacy Rights (CCPA / CPRA & Other State Laws)

If you are a resident of California (under the California Consumer Privacy Act / California Privacy Rights Act) or states with comparable comprehensive privacy laws (e.g., Virginia, Colorado, Connecticut, Utah, Texas), you have specific rights regarding your personal information:

  • Right to Know / Access: The right to request the categories and specific pieces of Personal Information we have collected about you.
  • Right to Delete: The right to request the deletion of your Personal Information, subject to legal exceptions.
  • Right to Correct: The right to request the correction of inaccurate Personal Information.
  • Right to Opt-Out of Sale or Sharing: The right to opt out of the "sale" or "sharing" of your Personal Information for cross-context behavioral advertising. You can exercise this right at any time via our Do Not Sell or Share My Personal Information link in the footer.
  • Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To submit a verifiable consumer request, please contact us at privacy@finvacy.com.

9. Children’s Privacy (COPPA Compliance)

Finvacy.com is directed to adults aged 18 and older who are legal U.S. residents. We do not knowingly collect or solicit personal information from individuals under the age of 18. If we learn that we have inadvertently collected information from a minor, we will promptly delete it.

10. Third-Party Links & Lender Policies

Our website contains links to independent third-party lenders and financial institutions. Once you leave Finvacy.com to view or apply for a loan offer, your interactions are governed solely by that lender’s independent Privacy Policy and Terms of Service. We encourage you to review their policies before submitting financial applications.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our legal obligations or operational practices. Any updates will be posted on this page with an updated "Last Updated" date. Continued use of Finvacy after changes are posted constitutes your acceptance.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Compliance & Privacy Team: