Privacy Policy

Introduction:

Our mission at IncredibleFi.com ("IncredibleFi") is to connect you with our marketplace of third party lenders, financial service providers, debt relief providers, aggregators, direct mail marketers, and email marketers ("Service Providers").

To assist us in carrying out our mission, we collect and process certain information you provide us. We work hard to be good stewards of your information. This Privacy Policy is meant to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete your information.

This Privacy Policy applies to information we collect on the IncredibleFi website located at www.incrediblefi.com.

What Information Do We Collect and How?

Anonymous and Aggregated Web Traffic Information

General traffic, site usage, browser information, length-of-stay information, and location data is collected and stored in log files. This type of information is collected and shared on an anonymous, aggregated basis meaning that we do not connect this information to your name or other personal information.

Personal Information (non-financial)

We collect all or some of the following personal information: first and last name, phone number, email address, cell phone number, date of birth, age, military affiliation, educational background, mailing address, employer, work phone number, driver's license, social security number, and zip code in the following contexts:

• Requests for Service

  To start the process of getting connected with a Service Provider, we collect the above personal information on the Loan Request form on our home page.

• Other Requests

  We collect information volunteered by users, including from requests via the Contact Us Form on our website. We also may collect email addresses of those who communicate with us via email.

Financial Information

When you request service through our Loan Request form, we also collect your bank name, bank account type, bank account number, bank routing number, months at your bank, pay dates, loan request amount, loan purpose, monthly income, pay period, primary source of income, the total amount of your debt and the type of debt (i.e. credit card debt, personal loan debt), information about your estimated credit score, income source and amount, employment information, and information about asset ownership.

Categories of Sources

We collect information from the following categories of sources:

• Directly from you

  For example, when you complete online forms or use our website to utilize our services.

• Third Parties

  For example, when we receive data from an affiliate, aggregator, publisher, marketer, lead generator, referring website or advertising campaign.

  We may combine personal information we collect from you with other information about you that we receive from third party sources. Service Providers that purchase your information may also supplement your personal information with other information about you that they obtained from other sources.

What We Do with the Information We Collect

We use anonymous and aggregated information to operate, develop and improve our services.

We process your personal information for the legitimate interest of connecting you with a Service Provider. We may use your financial information for the purpose of connecting you with a Service Provider.

By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more Service Providers by telephone, email or postal mail. Your information may be going to an aggregator or marketer and not a lender, financial service provider, or debt relief provider. Your information can be sold multiple times leading to multiple offers from lenders, financial service providers, debt relief providers, aggregators, and other marketers.

In addition, we may share some or all of your information with third party marketers and list managers with whom we have a business relationship, and these third party marketers and list managers may use your personal information to communicate with you about other marketing or business offers via telephone, email, direct mail, text message (std. text message rates may apply), or other channels.

We may also use or disclose your information where we conclude that we are required by law or have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of IncredibleFi, its users or the public.

Processing your information for the purposes described is necessary for us to do what we do and it's in both of our interests. When we use your information based on our legitimate interests, we conduct a balancing test based on the legitimate interest, necessity of processing your information, and how such processing impacts you.

If you have any questions or concerns with us processing your information for this legitimate interest, please contact us.

We'll ask for your consent before using your information for a purpose that extends beyond what you may reasonably expect from a company offering referrals to a marketplace of lenders, financial service providers, or debt relief providers and that has a more significant privacy impact.

IncredibleFi works with trusted vendors in the following categories to help fulfill our mission and process your information for the purposes described: call center services, delivering email, and storing data. We will only provide those companies the information they need to deliver the service, and they are contractually prohibited from using that information for any other purpose.

As we continue to develop our business, we may buy or sell businesses or assets. In such transactions, confidential customer information generally is one of the transferred business assets. In the event of a transaction involving the sale of some or all of IncredibleFi's businesses, customer and site visitor information may be one of the transferred assets and may be disclosed in connection with negotiations relating to a proposed transaction. In such case, the transferred information may become subject to a different privacy policy.

Third Party Advertisers

In order to provide services free of charge, we may display advertisements. By accessing or using this Website, you expressly agree to receive these advertisements. These advertisers may use their own tracking technologies, including cookies, to collect information about you and other users of this website who view or interact with their advertisements. Please be advised that when you click on an advertiser's advertisement on our website, you may be redirected to a different website operated by that advertiser or that advertiser's marketing partner. The information practices of those third party websites are not covered by this policy. You should review the privacy statements and terms of use of all third party websites you access.

What Are Cookies and How Do We Use Them?

As part of offering and providing customizable and personalized services, we use cookies and other online tracking technologies to store and sometimes track information about you to:

• Provide you with personalized content based on your use of our websites.

• Enable you to more easily use our websites by remembering and using contact information and form information.

• Evaluate, monitor and analyze the use of our websites and their traffic patterns to help improve our websites and services

The types of technologies we use include:

Cookies

A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer's hard drive. Cookies enable us to identify your browser as a unique user. Cookies may involve the transmission of information from us to you and from you to us. Cookies may also be used by another party on our behalf to transfer information to us in accordance with their privacy policy. Some cookies are "persistent cookies". They are used by us each time you access our website. Other cookies are called "session cookies". Session cookies are used only during a specific browsing session. We may use a session cookie, for example, to remember that you have already navigated through a particular menu. We may also use "analytics cookies" that allow web analytics services to recognize your browser or device and, for example, identify whether you have visited our website before, what you have previously viewed or clicked on, and how you found us. This information is provided anonymously for statistical analysis only. Analytics cookies are usually persistent cookies.

You may disable browser cookies in your browser or set your browser to warn you when a cookie is being sent. You may lose some features or functionality when you disable cookies. Remember, also, that disabling cookies is browser specific. If you log on using Microsoft Edge, you must also disable cookies in Safari if you use that browser at a different time.

Log Files

Log files track actions occurring on our websites and collect data including your IP address, browser type, internet service provider, referring/exit pages and date/time stamps.

Web Beacons

Web beacons, tags, and pixels are electronic files used to record information about how you browse the site. You cannot disable web beacons or pixel tags and they are not visible when browsing.

Session Replay Technology

Session Replay Technology is used to memorialize website visits, including technology provided by third parties such as Jornaya's LeadiD and ActiveProspect's TrustedForm.

For Our Friends in CA

This Privacy Notice for California Residents supplements the information contained in above in our general privacy policy and applies solely to all visitors, users, and others who reside in the State of California.

Your Rights

The California Consumer Privacy Act ("CCPA") grants State of California residents the following rights, to:

1. Know what personal information is being collected about them.
2. Know whether their personal information is sold or disclosed and to whom.
3. Say no to the sale of their personal information.
4. Access their personal information.
5. Have their personal information deleted.
6. Have the right to equal service and price, even if they exercise their privacy rights under this law.