Privacy Policy

Last Updated: 23 July 2025

This Privacy Policy explains how CLEAR CREDIT ONLINE® (“CLEAR CREDIT ONLINE,” “we,” “us,” or “our”) collects, uses, shares, and safeguards your personal information when you access and use our loan connection service at https://clearcreditonline.com/ (the “Service”).

By using the Service, you consent to the practices outlined in this Privacy Policy.

Information Collected

We gather two categories of information from users:

Personally Identifiable Information (PII)

This refers to data that can directly identify you, including but not limited to: full name, date of birth, Social Security number, driver’s license or ID number, contact details (email, phone number, address), employment and income information, bank account details, and credit information.

Collection:
You supply this information when using the Service, for example, by completing our online form.

Purpose:
We use your information for the following purposes:

  • To connect you with lenders who may provide loan products
  • To deliver products or services to you
  • To verify your identity and prevent fraudulent activity
  • To offer customer support
  • To communicate offers from CLEAR CREDIT ONLINE, our partners, or other third parties through email, phone (including telemarketing calls, automated dialing systems, or prerecorded/artificial voice messages), SMS, mobile devices, or postal mail

Your Social Security number and financial details may be used to assess your loan eligibility and help connect you with suitable lenders.

Non-Personally Identifiable Information

This includes anonymous data that cannot be linked to you personally, such as:

  • IP address
  • Browser type and version
  • Operating system
  • Access times
  • Site activity (pages visited, time on site, referring URLs, clicked links)
  • Device identifiers and cookies

Collection:
We collect this information through browser cookies, tracking pixels, and third-party analytics or tracking tools.

Purpose:

  • To enhance the user experience and optimize the Service’s functionality
  • To remember your preferences and settings
  • For website analytics and performance tracking
  • To serve targeted advertising (refer to “Cookies & Tracking” below)

Information Shared

We may share the information we collect from you on this Service in the following circumstances:

  • For Legal Purposes: When required by law, court order, warrant, subpoena, or other legal processes, or upon request by a governmental or quasi-governmental authority; also for fraud prevention or to enforce our Terms of Use.
  • During Business Transfers: If CLEAR CREDIT ONLINE is sold, merged, acquired, or undergoes bankruptcy or restructuring.
  • With Your Consent: When you have given permission or requested contact from third parties.
  • With Lenders and Partners: To connect you with loan providers or marketing partners offering relevant products or services.
  • With Service Providers: Including analytics companies, advertising networks, and security service providers who assist in operating and improving the Service.

By providing your information, you explicitly consent to CLEAR CREDIT ONLINE, its affiliates, and other relevant third parties contacting you through email, phone, or mobile devices about promotions, offers, products, or services that may interest you—even if your contact details are on a corporate, state, or federal Do-Not-Contact list. You can unsubscribe at any time. By voluntarily agreeing to be contacted, you waive your right to file complaints or claims with the FTC, FCC, or any other federal or state agency.

Children’s Privacy

The Service is not designed for use by children under the age of 13. We do not knowingly collect personal information from individuals under 13 years old.

Information Security

We implement a range of technical and administrative security measures to safeguard your personal data from unauthorized access or disclosure, including:

  • Encrypted SSL (Secure Socket Layer) for secure data transmission
  • Firewalls to block unauthorized access
  • Secure servers maintained by trusted security providers
  • Limited internal access to personal information

Although we make every reasonable effort to protect your data, no system is completely secure. Therefore, we cannot guarantee and are not responsible if your personal information is intercepted or decrypted by unauthorized parties. We also encourage users to be cautious in handling and sharing their personal data. For guidance on protecting yourself from identity theft, please visit the Federal Trade Commission’s Consumer Information website at https://www.consumer.ftc.gov.

Cookies & Tracking

We use cookies, pixels, web server logs, and similar technologies to gather information about how you use our Service, with the goal of enhancing your experience and improving the Service.

Cookies are small data files stored on your device by your web browser that help websites recognize your device. They may save information such as:

  • Your site preferences
  • Session details (like date and time of visit, pages viewed)
  • Browsing activity
  • The website that referred you

Cookies do not collect personally identifiable information and do not link the data they gather to any individual user.

You can control or disable cookies through your browser settings; however, doing so might affect your ability to use some features of the Service.

We work with third-party providers (such as Google) for Interest-Based Advertising (IBA), Remarketing and Analytics purposes.

To manage your preferences or opt out:

Managing Your Information

If you’ve submitted a form and would like to update or remove your personal information, please reach out to us through our Contact Page.

Links to Third-Party Sites

At times, you may be automatically redirected or linked to external third-party websites that are not governed by this Privacy Policy. CLEAR CREDIT ONLINE does not control and is not responsible for the content, data collection practices, or privacy policies of those sites. We strongly encourage you to review the privacy policies of any third-party websites you access. These external sites may independently gather information from you, and in some cases, may share details about your activity on their platforms with us.

California Privacy Rights (CCPA)

This section applies exclusively to California residents, as outlined under the California Consumer Privacy Act (CCPA).

Your Rights Under the CCPA

As a California resident, you are entitled to the following rights regarding your personal information:

  • Right to Know: You may request to know what categories and specific pieces of personal information we collect, the sources we collect it from, the purpose for collecting or selling it, and the categories of third parties with whom we share it.
  • Right to Access: You may request access to the personal information we have collected about you.
  • Right to Delete: You may request the deletion of your personal information, subject to certain legal exceptions.
  • Right to Opt Out: You may opt out of the sale of your personal information to third parties.
  • Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. Specifically, we will not: 
    • Deny you goods or services,
    • Charge you different prices or rates,
    • Provide a different level or quality of services,
    • Or suggest that you may receive a different price or quality of service for exercising your rights.

However, we may offer financial incentives that are permitted under the CCPA. These incentives will be reasonably related to the value of your personal information and will be described clearly in writing. Participation in any such program will require your prior opt-in consent, and you may withdraw from the program at any time.

You may also appoint an authorized agent to exercise your rights on your behalf.

We are not obligated to do the following under the CCPA:

  • Retain personal information collected for a one-time transaction, if that data is not typically stored or retained during normal business operations.
  • Reidentify or associate data that is not maintained in a way that would ordinarily be considered personally identifiable.
  • Fulfill more than two personal information requests from the same individual within any 12-month period.

These limitations are consistent with our standard data practices and the CCPA’s guidelines.

Categories of Information We Collect

We collect a range of information, which may include but is not limited to:

  • Personal contact and identifying details
  • Employment, loan, and financial information
  • Browsing activity, cookie identifiers, and analytics data

(Refer to Section 1 for a full breakdown.)

Sharing & Business Purpose

We may share your information for legitimate business purposes with:

  • Lenders and loan marketplace partners
  • Financial service providers and relevant marketing partners
  • Analytics providers and advertising networks

(Refer to Section 2 for more detail.)

Exercising Your Rights

If you wish to request access to the personal information we’ve collected, request deletion of your data, or opt out of data sharing, you can submit a verifiable consumer request via our Contact Page.

If you are an authorized agent acting on behalf of a consumer, please submit your request through our Contact Page as well. We will require appropriate documentation to verify your legal authority to act on the consumer’s behalf.

Deletion Process & Exceptions

Once we receive and confirm your verifiable request to delete your personal information, we will:

  • Remove your personal data from our records, and
  • Instruct our service providers to delete it from their systems as well.

However, certain data may be retained if necessary to:

  • Complete a transaction or fulfill a service you requested;
  • Honor a warranty or product recall per federal requirements;
  • Maintain our ongoing business relationship with you;
  • Perform a contract between you and us;
  • Detect and prevent security incidents, fraud, or illegal activities;
  • Debug or repair system errors;
  • Comply with legal obligations, including the California Electronic Communications Privacy Act;
  • Use your data internally for purposes aligned with your relationship with us;
  • Meet other legal obligations or exercise rights permitted by law.

Do Not Track Signals

At this time, our Service does not respond to browser-based “Do Not Track” (DNT) signals or similar mechanisms.

Contact Details

If you have any questions or concerns regarding this Privacy Policy or how your personal data is handled, please reach out to us through our Contact Page.