This Privacy Policy describes how Sunsets Loans ("we," "us" or "our") collects, uses, shares and protects personal information when you visit our website or submit a loan request through it. Our website lets borrowers send one loan request to multiple lenders at no cost, and we do not lend money ourselves. Because lenders need detailed information to evaluate a loan request, we take the responsibility of handling that information seriously.
By using our website or submitting a request, you agree to the practices described here. Please read this policy together with our Terms of Use, which govern your use of the site. If you do not agree with this policy, please do not submit information through our website.
Information we collect
We collect information you give us directly on the request form, information gathered automatically when you use the website, and information from third parties such as lenders, identity-verification services and consumer reporting agencies.
Information you provide
- Identity and contact details: name, home address, email address, phone number and date of birth.
- Identification numbers: Social Security number and, where requested, a driver's license or state ID number.
- Financial details: income amount and source, pay frequency, employment information, housing status, and checking account and routing numbers.
- Loan details: the amount you request, the purpose of the loan and related preferences.
- Communications: anything you send us by email, phone, mail or chat.
Information collected automatically
When you browse our website, we and our service providers may collect your IP address, browser and device type, operating system, referring web page, pages viewed, time spent on pages, and general location derived from your IP address. Some of this is collected through cookies and similar technologies described below.
Information from third parties
Lenders and partners may tell us whether a request resulted in an offer or a funded loan. Verification and fraud-prevention services may confirm that the details you entered are accurate. Advertising partners may tell us which ad or link brought you to our website.
How we use your information
We use personal information to process and route your loan request, operate and protect our website, communicate with you, meet legal obligations, and improve our service.
- Delivering your request to lenders and lending partners whose criteria may fit it.
- Verifying your identity and helping detect and prevent fraud.
- Responding to your questions and support requests.
- Sending you service messages about your request and, with your consent, marketing about loan or financial products.
- Analyzing how visitors use the website so we can fix problems and improve pages.
- Complying with laws, regulations, legal process and requests from government authorities.
- Enforcing our Terms of Use and protecting our rights and the safety of our users.
We do not use the sensitive financial details on your request, such as your Social Security number or bank account number, for any purpose other than processing your request, verifying identity and preventing fraud.
Calls, texts and emails
When you submit a request and give your consent, we, lenders and partners may contact you by phone, text message and email about your request and related offers, and you can withdraw that consent at any time.
Consent to receive marketing calls or texts, including those made with automated technology or prerecorded messages, is not a condition of using our service or obtaining a loan. Message and data rates may apply to text messages, and message frequency varies.
- Texts: reply STOP to any text message to stop receiving texts from that sender.
- Email: use the unsubscribe link at the bottom of any marketing email.
- Phone: ask the caller to place your number on their internal do-not-call list, or contact our team.
Opting out of our messages does not stop communications from a lender you have already chosen to work with; contact that lender directly to change its settings. We may still send you non-marketing messages about a request you submitted.
Your privacy rights and choices
Depending on where you live, you may have the right to know what personal information we hold about you, to receive a copy, to correct it, to delete it, and to opt out of certain sharing, including for targeted advertising.
Residents of California and of several other states with comprehensive privacy laws have rights that may include:
- Access and portability: learning what categories and specific pieces of personal information we collected, the sources, the purposes, and the categories of recipients.
- Correction: asking us to fix inaccurate information.
- Deletion: asking us to delete personal information, subject to legal exceptions such as records we must keep.
- Opt-out: directing us not to sell or share your personal information or use it for targeted advertising.
- Limiting sensitive information: asking us to limit the use of sensitive personal information where the law gives you that right.
- Non-discrimination: exercising these rights without being treated differently.
Some information we handle is covered instead by federal financial privacy laws, such as the Gramm-Leach-Bliley Act, and certain state rights may not apply to it. To make a request, email us or write to us with "Privacy Request" in the subject line, or call our support line. We will verify your identity by matching information you provide with information we already hold, and we will respond within the time required by applicable law. You may use an authorized agent where the law allows; we may ask for proof of the agent's authority. If we deny your request, you may appeal by replying to our decision, where your state provides that right.
How we protect your information
We use administrative, technical and physical safeguards designed to protect personal information, including encryption of data sent through our request form and restricted access to stored data.
Access to personal information is limited to employees and service providers who need it to do their jobs. We review our security practices periodically and require vendors to maintain appropriate protections. No method of transmission or storage is completely secure, however, so we cannot promise that information will never be accessed without authorization. If a breach affecting your personal information occurs, we will notify you as required by law.
You can help protect yourself by submitting requests only on a secure connection, never sharing your passwords, and being cautious of anyone who contacts you asking for an upfront fee.
How long we keep information
We keep personal information only as long as reasonably necessary to process requests, provide our service, resolve disputes, prevent fraud and comply with legal and recordkeeping obligations, then delete or de-identify it.
Retention periods vary with the type of information and the reason we hold it. For example, records of the consent you gave to be contacted may be kept longer than routine analytics data, because we may need them to show that we followed the law. Lenders and partners that receive your request keep information according to their own retention policies.
Children's privacy
Our website and service are intended only for adults, and we do not knowingly collect personal information from anyone under 18 years of age.
If we learn that we have collected information from a child under 18, we will delete it promptly. If you believe a minor has submitted information through our website, please contact us so we can remove it.
Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices, our service or the law, and the version posted on this page is always the one in effect.
If we make a material change, we will post the revised policy here and, where required, notify you by email or through a notice on the website before the change applies to information we already hold. We encourage you to review this page periodically.
Contact us about privacy
Questions, privacy requests and concerns about this policy can be sent to our team by email, phone or mail, and we aim to respond within one business day to acknowledge your message.
- Email: [email protected] (subject line: Privacy Request)
- Phone: (888) 874-7736, weekdays 8 a.m. to 8 p.m. ET and Saturdays 9 a.m. to 5 p.m. ET
- Mail: Attn: Privacy Team, Suite 181, 2320 Hawthorn Boulevard, Columbus, Ohio 43215
For other kinds of questions, our contact page explains what to include and which questions a lender needs to answer instead.