Privacy Policy

Our policy covers creditbadloans.com, operated from 1256 Juniper Road, Suite 116, Helena, MT 59601, and applies to information you give us through the site, by email or by phone.

Lenders and lending networks that receive your request have their own privacy policies, which govern what they do with your information once they receive it. You will see links to those policies before you submit a request or accept an offer, and we encourage you to read them.

We collect the details you enter in the request form, the messages you send us, and basic technical data such as your browser type, device, pages visited and approximate location from your IP address.

• Request details: name, address, date of birth, phone, email, income, employment or income source, pay schedule, requested amount, and bank account information needed to deposit a loan. Some forms also ask for the last digits or full Social Security number so lenders can verify identity and check credit.
• Communications: what you write to us and our replies.
• Technical data: IP address, browser and device type, referring page, pages viewed and time on site, collected through server logs and cookies.

We do not knowingly collect information from anyone under 18, and the request form is not intended for minors.

We use your information to pass your request to lenders and networks that may make an offer, to respond to you, to prevent fraud, to keep the site working and secure, and to meet legal obligations.

We also use aggregated, de-identified data to understand which pages are useful and to improve our guides. We do not use your request details to make credit decisions, because we do not make them.

We share request details with lenders, lending networks and their verification and fraud-prevention providers, and with service providers that host the site or send email, and we never sell your information to unrelated marketers.

Lenders that receive your request may contact you by phone, text message or email, including with automated technology where you have agreed to it, about your request and related offers. You can withdraw consent at any time by telling the company that contacted you, or by writing to us. We may also disclose information when the law requires it, to protect our rights or users' safety, or as part of a sale or merger of the site, in which case this policy would continue to apply.

We use a small number of cookies to keep the site working, remember basic preferences and measure traffic, and you can block or delete cookies in your browser settings without losing access to our guides.

Some cookies are set by the request form provider to protect against fraud and to connect your request to the right lender. Blocking them may prevent the form from working.

We keep request details only as long as needed to process your request, meet legal and compliance obligations and resolve disputes, and we protect them with encryption in transit and restricted access.

Technical logs are kept for a shorter period and then deleted or aggregated. No method of transmission or storage is perfectly secure, so we also ask that you never send sensitive numbers to us by email.

You can ask us to stop marketing contact, tell you what personal information we hold about you, correct it or delete it, and depending on your state you may have further rights under state privacy law.

To make a request, email [email protected] or call (888) 446-2620. We will verify your request before acting on it and reply within the time the law allows. We will not treat you differently for exercising your privacy rights. Requests about information a lender holds should go to that lender as well.

If we change this policy, we will post the new version here and we will tell you directly if a change affects information you have already given us.

Questions about this policy can be sent to [email protected] or by mail to 1256 Juniper Road, Suite 116, Helena, MT 59601.