Last Updated: 09 April 2025
This Privacy Policy applies to you when using the Clear Credit Online website (hereinafter referred to as “Service”) or the loan connection service (hereinafter referred to as “Service”).
This Service is operated by Clear Credit Online (hereinafter “Company”). This Privacy Policy is an Agreement between the Company and You (hereinafter “You” and/or “Your”) as the user of this Service and Company’s products and services, outlining how the Company collects, uses, and protects the personal information you provide through this Service.
Collected Information
This Service collects both “personally identifiable information” and “non-personally identifiable information” from You.
Personally Identifiable Information
We collect various pieces of information that can identify an individual (“personally identifiable information”). This data is collected when You provide it to us, such as during the process of filling out a form before being introduced to a prospective lender.
The types of personally identifiable information we may collect include: full name, Social Security number, driver’s license and other identification numbers, citizenship status, date of birth, home and mobile phone numbers, personal email address, mailing and home addresses, financial information, and employment details.
This personally identifiable information is essential for the Company to deliver products or services to You, offer customer support, and assist lenders in reviewing your application to determine if You meet their suitability requirements.
Additionally, this data allows the Company to send you communications regarding products or services that might interest you, either from us, our marketing partners, or other third parties. These communications may be through email, mobile devices, postal mail, or phone calls, including telemarketing calls, automated dialling systems, or pre-recorded voice messages.
We may also use your financial information and Social Security number to connect you with lenders in our network or other third-party lenders with whom we have partnerships. These details may also be used to verify your identity and prevent fraudulent activity.
Non-Personally Identifiable Information
Non-personally identifiable information refers to anonymous data that cannot be linked to an individual. This information is gathered through the use of “cookies” or third-party tracking systems. Data collected may include: IP address, browser type, access times, details about areas of the Service visited, and links clicked during the session. Note that IP addresses are not tied to personally identifiable information.
Cookies are used to enhance your experience on this site. Cookies are small pieces of data sent to your browser when you visit a website, allowing the site to recognize your preferences. While cookies don’t provide us with personally identifiable information, they may improve your user experience. You can disable cookies through your browser settings, but doing so may limit certain features of this Service or the Company’s services.
The Company may share aggregate non-personally identifiable information with third parties for purposes such as web statistics. This data is not linked to any personally identifiable information.
Sharing Information
The Company reserves the right to share any information collected from You on this Service:
(i) When required by law, court order, subpoena, or any legal process from a governmental or quasi-governmental authority;
(ii) In the event of the Company’s bankruptcy, or if the Company is sold or acquired;
(iii) If You violate this Privacy Policy or the Terms & Conditions of Use;
(iv) To prevent, address, or resolve fraud, security, or technical issues, which may involve sharing information with trusted third parties for fraud prevention;
(v) To improve the design and functionality of this Service;
(vi) Where the Company believes disclosure is necessary to protect its rights or those of third parties, or to shield the Company from liability.
By submitting your information to register for services on this site, You consent to being contacted by the Company and its affiliates or third parties through email, mobile device, or telephone regarding promotions, offers, or services that may interest you. This holds true even if your contact details are listed on a Do-Not-Contact registry.
You understand that by requesting contact from the Company or third parties, you waive your right to file complaints with the FTC, FCC, or other authorities regarding such communications.
You agree that the Company may share your information with third parties and affiliates in accordance with applicable laws.
Information Security
We implement industry-standard security measures to protect your personal information from unauthorized access or disclosure. The Company utilizes trusted security service providers to manage our servers, and your data is transmitted through encrypted SSL connections.
However, no system is 100% secure. Although we take significant steps to protect your information, we do not guarantee its absolute security.
Users are encouraged to protect their personal information as well. For guidance on safeguarding against identity theft, refer to the FTC’s Consumer Information website (http://www.consumer.ftc.gov).
Access to Your Information
If you have submitted a form, you can correct or delete inaccuracies in your personal information by contacting us through our contact page.
The Company retains your information as long as necessary to provide services, comply with legal obligations, and enforce agreements.
Third-Party Links
We may redirect or link to third-party websites that are not governed by this Privacy Policy. We recommend reviewing the privacy policies of these third-party sites before submitting any personal information.
Children’s Privacy
This service is not intended for individuals under the age of 18, and we do not knowingly collect personal information from anyone under 13 years of age.
California Residents
Your Rights Under the CCPA
This Privacy Notice applies to California residents. Under the California Consumer Privacy Act (CCPA), you have specific rights regarding your personal information:
Categories of Personal Information:
- Identifiers: Full name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, Social Security number, driver’s license number, or other similar identifiers.
- Personal Information Listed in the California Customer Records Statue (Cal. Civ. Code § 1798.80(e)): A name, signature, Social Security number, address, telephone number, driver’s license or state identification card number, employment, bank account number, or any other financial information.
- Characteristics of Protected Classifications: Age, Military affiliation.
- Commercial Information: Information about your debt history. Information about your assets.
- Internet or Other Similar Network Activity: 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.
- Geolocation Data: Information that tells us from where you access our website.
- Professional or Employment Related History:Employment status, Employer, Length of employment, Job title, Monthly income, pay period and paycheck type, Illness/disability, Work phone number.
Sources of Personal Information
- 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.
Use of Personal Information
- To fulfill or meet the reason you provided the information to us.
- To provide you with information, products, or services that you request from us.
- To personalize your website experience and to deliver content and service offerings relevant to your interests.
- To help maintain the safety, security, and integrity of our Website, services, databases and other technology assets, and business.
- For testing, research, analysis, and product development, including to develop and improve our Website and services.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA/CPRA.
Sharing Personal Information
See “Sharing Information” above to learn how we share your information. We will not collect or share additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Your Rights and Choices
- Right to Know
- Right to Correct Inaccurate Information
- Right to Delete
- Right to Opt-Out
- Right to Non-Discrimination
Exercising your Rights
How to Submit a Request to Know or Request to Delete
To request this information please submit a verifiable consumer request to us by either:
Contacting us on our website at the Contact Us page or by mail: Clear Credit, 2 Boulevard Place, 1700 Post Oak Boulevard Houston TX 77056.
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
How to Submit an Opt-Out Request
You or your authorized representative may exercise your right to opt out by submitting a request via the following web page: CCPA. We will only use the personal information provided in your request to review and comply with it.
Non-Discrimination
The Company 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.
However, the company may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive the company offers will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.
Timing and Fees
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons why we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily usable and should allow you to transmit the information from one entity to another entity without hindrance, where technically feasible.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that determination and provide you with a cost estimate before completing your request.
Other Important Information
This Service does not respond to “do not track” signals or similar mechanisms. It only collects personally identifiable information that you voluntarily submit, along with non-personally identifiable data through cookies and third-party tracking.
Updates to Privacy Policy
We may change this policy from time to time and if we do, we’ll post any changes on this page. If you continue to use our website after those changes are in effect, you agree to the new policy. If the changes are significant, we may provide a more prominent notice or get your consent, as required by law
Contact Information
For questions, concerns, or comments regarding this Privacy Policy, please contact us via certified mail or our contact page.