1stlendingusa.com is not a moneylender and does not make advances or credit choices. 1stlendingusa.com merely gives a connecting service and is not a delegate, operator, or correspondent for any specialist organization or lender. You are under no compulsion to use 1stlendingusa.com's service to contact with, fill credit from, or accept any loan offer from any service provider or lender. This service is not available in all states.

1stlendingusa.com doesn't charge any fee for submitting a loan request. 1stlendingusa.com is not a loan giver and does not lend money. In light of the data you submit, 1stlendingusa.com will look through its huge network of lenders keeping in mind the end goal to connect you with a loan provider that might have the capacity to serve your requirements.

In the event that your loan request is acknowledged by a loan provider, you will be diverted to an e-signature page on the moneylender's site. All expenses and rate data charged by the moneylender ought to be disclosed to you around then. You should thoroughly understand the charges and rate information given by the money lender before consenting to the terms of the credit or signing any official records. You are under no commitment to acknowledge the terms.

In the event that you decide that the advance terms given by the lender are satisfactory and wish to continue, you may e-signature the record proving your concurrence with those terms. After signing, you will go into a lawfully binding contract with the loan provider and will be in charge of all risk related to the agreement. Your legally binding commitments are to the loan providers, and not to 1stlendingusa.com. The loan cost and loan fees you consent to are set exclusively by the moneylender and not 1stlendingusa.com.

1stlendingusa.com does not ensure that your advance request will be accepted by a lender or other specialist organization. In case that you are offered a loan, 1stlendingusa.com does not ensure that the charges and rates will be adequate to you or that your advance will be subsidized. All choices relating to your loan are the moneylenders' choices, not 1stlendingusa.com's.

Loan terms may vary depending on the lender that you are connected with. This website does not constitute an offer or solicitation to lend. We at 1stlendingusa.com try our best to connect you with the most suitable lender, however approval for funding/loan is not guaranteed and is fully determined by the lender. The form on the website will not be considered as an application for a loan and 1stlendingusa.com will share PII with third-parties for the purpose of connecting consumers with lenders. Third-party provider may conduct credit checks related to the user's request. 1stlendingusa.com will not charge any fee or remuneration from the user of this website, however the operator of this website is compensated by lenders for connecting consumers with lenders.

Your Rights Under the CCPA.

General Information

If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.

Categories of Personal Information We Collect

We collect information that identifies you, your household or your device or is reasonably capable of being connected with or linked to you, your household, or your device ("Personal Information"). Personal information does not include public information available from government records, de-identified or aggregated information or information that is protected by certain laws such as HIPAA for health-related information and the Gramm-Leach Bliley Act (GLBA) for certain financial information.

We collect the following categories of Personal Information:

• Identifiers - First and last name, Mailing address (including length at address), Telephone number (including best time to call), Email address, Birth month and date, Military affiliation, Social Security Number, Zip code, Driver's License, Internet Protocol (IP) Address
• Personal Information Listed in the California Customer Records Statute
  • The above identifiers
  • Employment information - Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability, Work phone number
  • Employment information - Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability, Work phone number
  • Financial information - Auto status, Own/rent car, Own/rent home, Bank name, Bank account type (checking or savings, Bank account number, Bank routing number, Length at bank, Loan amount, Loan purpose, Debt amounts (including mortgage debt, auto debt unsecured debt, tax debt, secured debt, student loan debt, medical debt, payday loan debt, personal loan debt), Primary income source
• Characteristics of Protected Classifications - Age, Military affiliation
• Commercial Information - Information about your debt history, Information about your assets
• Biometric Information - Not collected
• Internet or Other Electronic Network Activity Information - Cookies, Domain name, Browser type and version, Operating system, Usage data, visit frequency, referring affiliate information, Referring ad campaign, Time on site, Source URL, Redirect URL
• Geo location Data - Information that tells us from where you access our website
• Sensory Data - Not collected
• Professional or Employment-Related Information - Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability
• Non-public Education Information - Degree attained, Education level, Graduation year
• Inferences Drawn from Other Personal Information - Your potential preferences for lending services, debt relief services, or other financial services

Categories of Sources of Personal Information

We collect information from the following categories of sources:

• Directly from you. For example, when you complete online forms or access our Website to utilize our services.
• Third Parties. For example, when we receive data from an aggregator, marketer, lead generator, referring website or advertising campaign.

How We Share Your Personal Information

We share information in each of the above categories as follows:

• All categories of information
  • We will share information in all of the above categories if our company is sold or we engage in a merger or other such transaction.
  • We will share information in all of the above categories of information in connection with a law enforcement request that is compliant with the California Electronic Communications Privacy Act.

• Identifiers
  • We share identifiers with service providers who use that information only to provide services to us such as shipping, name and address verification, email distribution and promotions management.
  • We share identifiers with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

• Personal Information Listed in the California Customer Records Statute
  • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

• Characteristics of Protected Classifications
  • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

• Internet or Other Electronic Network Activity Information
  • We share this information with our data analytics providers
  • We share this information with Service Providers to track referrals and ad campaign activity.

• Professional or Employment-Related Information
  • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

• Non-public Education Information
  • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

• Inferences Drawn from Other Personal Information
  • We share this information with Service Providers such as lenders, financial service providers, debt relief providers, aggregators and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, see how to submit an opt-out request below.

How We Use Your Information

See "What We Do with the Information We Collect" above to learn how we use your information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

How We Retain and Store Your Personal Information

We retain your personal information for as long as necessary to fulfil the purpose(s) for which we collected it and to comply with applicable laws. We use reasonable security precautions to protect your information while in storage.

Requests to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Requests to Delete

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

• Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Debug products to identify and repair errors that impair existing intended functionality.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Authorized Agent

California residents can empower an "authorized agent" to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority

How to Submit Your Request for Specific Information

You can request access to specific information we have about you by sending an email with the Subject Line "CCPA Right to Know" to info@1stlendingusa.com or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Delete Information.

You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line "CCPA Right to Request or Delete Information" to info@1stlendingusa.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Opt-Out of Sale of Your Information.

Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line "CCPA Do Not Sell My Information" to info@1stlendingusa.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver's license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the time frame required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

DO NOT SELL MY PERSONAL INFORMATION

However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested

IT IS TO BE NOTED THAT THIS CONSENT IS REQUIRED BY LENDERS WITH WHOM YOU WILL BE CONNECTED. THIS CONSENT DOES NOT BY ANY MEANS BRING THE OWNER OF THE WEBSITE INTO AN AGREEMENT (BETWEEN YOU AND OWNER) THAT IS GOVERNED BY THE COURT OF LAW. THE OWNER OF THIS WEBSITE DOES NOT GUARANTEE OR ASSURES ANYTHING AFTER THIS CONSENT COMES INTO EFFECT. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.

Please read this information carefully and print a duplicate and/or retain this information for future reference.

Introduction

In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender notifies you of your rights when receiving electronic disclosures, notices, and information. By tapping on the link/ button assenting to this notice, you acknowledge that you received this E-Consent and that you consent to direct transactions utilizing electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper by contacting the third party lender directly. The lenders will provide paper copies at no charge.

The scope of Consent

The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, advanced mobile phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact amid every single online interaction with you electronically. The lender may likewise send you notices electronically related to its interactions and transactions. Disclosures might be provided online at our or third-party lenders' websites and might be provided by e-mail.

Consenting to Do Business Electronically

Before you decide to work together electronically with the third party lenders, you ought to consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:

• Internet access with 128-bit encryption
• Adobe Acrobat Reader 6 or higher
• Ability to Print
• Internet Explorer 8 or higher
• Email Acces
• Firefox version 3.6 or higher

Withdrawing Consent

Your E-Consent for our third-party lenders' consideration of your coordinating request can't be pulled back because it is a one-time transaction. If you are connected with one or more third-party lenders, you are free to pull back your E-Consent with those third-party lenders whenever and at no charge. However, in the event that you pull back this E-Consent before receiving credit, you might be prevented from acquiring credit from that lender. Contact the third party lender directly on the off chance that you wish to pull back this E-consent. If you decide to pull back this E-Consent, the legal effectiveness, legitimacy, and enforceability of prior electronic Disclosures won't be affected.

Change to Your Contact Information. You should keep third-party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update via mail.

YOUR ABILITY TO ACCESS DISCLOSURES

BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT

BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

1stlendingusa.com doesn't charge any fee for submitting a loan request. 1stlendingusa.com is not a loan giver and does not lend money. In light of the data you submit, 1stlendingusa.com will look through its huge network of lenders keeping in mind the end goal to connect you with a loan provider that might have the capacity to serve your requirements.

Acceptance of offer and E-Signature
In the event that your loan request is acknowledged by a loan provider, you will be diverted to an e-signature page on the moneylender's site. All expenses and rate data charged by the moneylender ought to be disclosed to you around then. You should thoroughly understand the charges and rate information given by the money lender before consenting to the terms of the credit or signing any official records. You are under no commitment to acknowledge the terms.

If you decide that the advance terms given by the lender are satisfactory and wish to continue, you may e-signature the record proving your concurrence with those terms. After signing, you will go into a lawfully binding contract with the loan provider and will be in charge of all risk related to the agreement. Your legally binding commitments are to the loan providers, and not to 1stlendingusa.com.

Loan Acceptance Policy & Rates
1stlendingusa.com does not ensure that your advance request will be accepted by a lender or other specialist organization. In case that you are offered a loan, 1stlendingusa.com does not ensure that the charges and rates will be adequate to you or that your advance will be subsidized. All choices relating to your loan are the moneylenders' choices, not 1stlendingusa.com's.

Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site's third party vendors.

Credit Check
As stated, this website is not a party to the contract and it presents your loan request to a pool of lenders who may check your credit score and history for the purpose of accepting your loan request. It is wholly and solely at the discretion of lenders to approve your loan(as they may deem fit) and they are in no way answerable for rejecting a loan request to the applicants or to the 1stlendingusa.com.

SMS and Auto Dialed Calls
By entering your contact information into 1stlendingusa.com, you expressly request to receive information via telephone call, email and/or SMS/text message, including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS/text message, even if your telephone number is listed on any internal, state or federal Do-Not-Call registry list. You may opt-out by replying "STOP" to any message that you receive and you may requested additional assistance by replying "HELP". Up to 15 recurring monthly messages per month. Msg & Data rates may apply. T-Mobile® is not liable for delayed or undelivered messages. This service is provided through Short Code: 34676

Supported Carriers

• AT&T Mobility
• Verizon Wireless
• Sprint Corporation
• T- Mobile & Metro PCS
• US Cellular
• Virgin Mobile
• Google Voice
• Truphone Limited
• Open Mobile Puerto Rico
• Claro Puerto Rico
• Peerless Network
• Interop(Tier 2/3)

 

Agreement and Acknowledgment

1stlendingusa.com is proposed to be used just by individuals who are over the legal age of 18 and individuals who are legal US citizens. We ask you to take a couple of minutes to survey these terms expressed in this present Privacy Policy. By consenting to use 1stlendingusa.com's services you are consenting to the policy expressed here. On the off chance that you aren't in agreement with the terms of this policy or as of now are under the legal age of eighteen (18) or not a US resident at that point please shun from using our services.

Change notification to 1stlendingusa.com Privacy practices

We unequivocally claim our authority to refresh our Privacy Policy keeping in mind the end goal to mirror these changes we need to make to our current information practices. If changes are made to 1stlendingusa.com information practices this privacy policy will be reconsidered. We encourage you to dependably audit and read our privacy policy each time you visit this site or choose to use our services.

Information We Collect

In the course of using this Website, we may collect personal information and data to (i) present you with financial products and/or other offerings that you seek; (ii) present the contents of this Website to you; (iii) deliver services that you have requested; (iv) communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, and/or other third parties; (v) display advertising tailored to you interests or background; (iv) perform data and statistical analysis from your use of this Website; (v) enforce our Terms and Conditions; and (vi) perform any other functions otherwise described to you when you provide us with your information.. Any collection of personal information or data through this Website is performed with your consent.

Personally Identifiable Information. We may collect Personally Identifiable Information ("PII") that you directly provide to us that can identify you, including, but not limited to, your first and last name, physical address, telephone number, cellular number, social security number, email address, date of birth, driver’s license number, state of residency and information pertaining to your bank account.

Non-Personally Identifiable Information. We also collect information automatically as you navigate through this Website. We use log files and cookies to collect Non-Personally Identifiable Information ("Non-PII") including, but not limited to, the IP address of the computer or mobile device making the request, browser type and the times you access this Website and usage details. Please note that IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. Consequently, IP addresses are not linked to personally identifiable information.

Cookies. As you navigate through and interact with this Website, we may use automatic data collection technologies ("Cookies") to collect certain information, including but not limited to, information about your equipment, browsing actions and patterns, operating system, internet connection and location data. The information we collect automatically may include personal information, and we may maintain it or compound it with personal information we collect in other ways or receive from third parties. Cookies help us improve this Website so we are able to deliver a better and more personalized experience by reducing unwanted information that you might otherwise receive.

How We Use Your Information

We use the information that we collect through your interaction with this Website as well as information that you provide to us, including personal information. This information is used (i) to present the contents of this Website to you; (ii) to deliver services that you have requested; (iii) to determine whether to extend an offer to become an Affiliate or Advertiser in our Network; (iv) to communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, or other third parties; (v) for display advertising tailored to your interests or background; (vi) perform data and statistical analysis from your use of this Website; (vii) enforce our Terms and Condition; and (viii) to perform any other functions otherwise described to you when you provide us with your information.

Disclosing Your Information

As a general rule, we will not share, sell or otherwise distribute your personal information without your consent. However, we may disclose personal information that we collect or you provide as described in this Policy (i) to fulfill the purpose for which you provide your information; (ii) for any other purpose disclosed by us when you provide us your information; (iii) to third party service providers who assist us in operating this Website, conducting our business or serving our users, so long as such information is kept confidential; (iv) with affiliated entities; (v) to comply with any court order, law, legal process, and/or government or regulatory request; (vi) as part of a liquidation or bankruptcy proceeding, to a buyer or other successor in the event of a merger, reorganization, dissolution or divestiture of some or all of our assets.

Data Retention and Security

By accessing and navigating through this Website, you hereby acknowledge and agree that 1stlendingusa.com may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.

Commitment to Online Security. 1stlendingusa.com uses reasonable efforts to protect the security of your personal information and encrypt sensitive information such as your social security number, driver license number and bank account information. Although we strive to provide reasonable security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.

No Liability for Acts of Third Parties. 1stlendingusa.com will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, 1stlendingusa.com shall not be liable for unauthorized disclosure of personal information due to no fault of 1stlendingusa.com including, but not limited to, errors in transmission and unauthorized acts of third parties.

Opt-out

We may collect information about you particularly your email address from sources other than you, such as from social media websites (i.e. Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.

If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.

LINKS TO THIRD-PARTY WEBSITES

Our Website, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to request for a product such as a loan via 1stlendingusa.com , you may be linked to a third-party website to complete a request. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, requests, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties.

Information Sharing with Affiliates

When you put in a request for a quote or information you are in fact granting 1stlendingusa.com or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your 1stlendingusa.com account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.

Push Notifications

We may send push notifications or alerts to your device. We use push information to send you notifications related to offers. At any time, you can manage your push notification preferences or deactivate these notifications at any time by turning off the notifications in the browser settings of your device.