Privacy Policy
Last Updated: 02.19.2025
lucentcash.org ("we," "our," "us") provides this Privacy Policy to describe how we collect, use, disclose, and protect Personal Information when you visit our website.
We encourage you to read this Privacy Policy and to use it to help you make informed decisions.
We revise this Privacy Policy from time to time to reflect changes to our business, Services, or applicable laws. If a revised version requires notice in accordance with applicable law, we will provide advance notice by posting on this page; otherwise, the revised Privacy Policy will be effective as of the published effective date.
HOW THIS POLICY APPLIES
This Policy has two parts so you can clearly see which rules apply to which data uses:
- Part A — GLBA/FCRA ("GLBA Track") — Applies to nonpublic personal information (NPI) collected in connection with your loan offer request, and to any credit information we obtain with your written instructions (e.g., a soft credit inquiry) to evaluate you for alternative financial solutions.
- Part B — State Privacy Laws ("State Track") — Applies only to NPI processed on this site that is not subject to GLBA/FCRA — for example, site telemetry, or advertising/analytics outside of the GLBA context.
If information you submit relates to a financial-product request, GLBA controls even if the same identifiers also appear in other contexts.
PART A — GLBA/FCRA PRIVACY NOTICE
FACTS — WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
Why?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Identifiers and contact information (e.g., name, email, phone numbers, address).
- Application/request information (e.g., date of birth, military and employment status, employer and job title, time at job and address, income and pay details, requested amount and purpose, whether you own a car or home, mortgage status, self-reported credit score or debt amount, best time to call).
- Sensitive identifiers (e.g., Social Security number; driver's license number and issuing state).
- Financial account information (e.g., bank name, routing and account number, account type, time with bank, direct deposit status).
- Transaction and experience information related to your request and interactions with us (e.g., submission dates, servicing and customer support records, survey responses).
- Credit information (e.g., results of a soft inquiry obtained with your written instructions; not shared with third parties; participating lenders may obtain credit reports directly from consumer reporting agencies).
- Technical and security data used to protect and process your request (e.g., IP address and device/user-agent, cookies/session identifiers used for fraud prevention, authentication, and consent logging; not used for cross-context behavioral advertising).
How?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing.
SHARING YOUR PERSONAL INFORMATION
| Reasons We Can Share Your Personal Information | Do We Share? | Can You Limit? |
|---|---|---|
| For our everyday business purposes — to process your request, verify identity, prevent fraud, evaluate eligibility, and route/transmit your information to participating Lenders/Networks or Third-party Marketers | Yes | No |
| For our everyday business purposes — information about your creditworthiness (e.g., enabling an FCRA-permitted soft inquiry pursuant to your written instructions) | Yes | No |
| For our marketing purposes — to market our own websites and Services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — information about transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | Yes | Yes* |
*Clarification: When Lenders/Networks contact you about the credit you asked us to match you for, that disclosure occurs to effect, administer, or enforce your requested transaction and/or at your direction. It is not a "nonaffiliate marketing" share.
To Limit Our Sharing
Email [email protected] with subject "GLBA opt-out" and include your name, email, and phone number used on your request.
- What this does: Your choice limits our sharing of your nonpublic personal information with non-affiliated third parties so they can market their own products to you.
- What it doesn't limit: This choice does not limit disclosures needed to evaluate, effect, administer, or enforce your current request, or disclosures to our service providers/contractors acting on our behalf.
- Duration & scope: Your choice remains in effect until you tell us otherwise. We will apply it as soon as reasonably practicable.
Definitions
| Term | Definition |
|---|---|
| Affiliates | Companies related by common ownership or control. They are non-financial companies. |
| Non-Affiliates | Companies not related by common ownership or control. They can be financial and non-financial companies. |
| Third-party Marketers | Non-affiliated providers or promoters of personal-finance products/services, including credit, banking/fintech, credit-monitoring, and debt-management offerings. |
| Lenders/Networks | Non-affiliated lenders, together with their intermediaries (including agents, aggregators, brokers, lead networks, and marketplaces) and service providers acting on their behalf. |
| Marketing Partners | Lenders/Networks and Third-party Marketers. |
WHO WE ARE
This notice is provided by lucentcash.org, the entity responsible for collecting and processing your personal information as you interact with our platform.
WHAT WE DO
How We Protect Your Information
We employ industry-standard security measures, including:
- Secure transmission of credit data under § 1016.30(b) (GLBA Safeguards/encryption).
- Firewalls and secure data storage.
- Restricted access to sensitive information.
- Multi-factor authentication.
- Regular security assessments.
- Breach response plans.
- Controlled data sharing: We ensure that any transfer of data to our partners is limited to specified purposes and governed by agreements that include strict security and confidentiality obligations.
However, no method of transmission over the Internet is 100% secure.
How Do We Collect Your Personal Information?
We collect your personal information when you:
- Submit an inquiry on our platform or on our affiliates' websites.
- Interact with our website, including browsing, filling out forms, answering surveys.
- Communicate with us.
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies as permitted.
OTHER IMPORTANT INFORMATION
We do not sell or share personal information collected on this loan offer inquiry page for cross-context behavioral advertising, and we do not use targeted advertising on this page.
When we process information in connection with a financial product or service, it is governed by GLBA/FCRA. Accordingly, state-law rights (e.g., "Do Not Sell/Share," limit Sensitive PI, GPC/UOOM) do not apply to these processings.
PART B — STATE PRIVACY NOTICE
NOTICE AT COLLECTION
Scope: This Notice at Collection summarizes what personal information we collect at or before the point of collection, the purposes for which we use it, how long we retain it, and whether we sell or share it (as those terms are defined by applicable U.S. state privacy laws).
Categories & Purposes: We collect the categories of personal information listed below and use them for providing services and processing requests, matching you with personal-finance-related service providers, security, identification, communication, and compliance with law.
Selling/Sharing: We sell certain personal information (for example, lead information) to our Marketing Partners so they can contact you about their products or services. You can exercise your right to opt out of sale/sharing at any time.
Use/Disclosure of Sensitive Personal Information: We use or disclose Sensitive PI (e.g., SSN, driver's license) only as necessary to provide requested services, verify identity, ensure security, and comply with law.
Retention: We retain personal information only as long as needed for the purposes described above or as required by law.
PERSONAL INFORMATION WE COLLECT
| Category | Examples | Sources | Purpose |
|---|---|---|---|
| Identifiers | Phone, email | From you on this site | Identification, contact about offers from Marketing Partners, Communication |
| Internet / Network Activity | Cookies/pixels, pages viewed, referrers, approximate IP-based location | Automatically via our systems | Create, manage, and optimize advertising audiences |
| Communications & Consent Records | TCPA/email consents, unsubscribe logs | Explicit form submit | Comply with applicable laws |
YOUR RIGHTS
You have the following rights as a consumer:
| Right | Description |
|---|---|
| Right to Know / Access | Request disclosure of categories and specific pieces of personal information we have collected about you. |
| Right to Delete | Request deletion of personal information we have collected from you, unless there is a legal or business reason to retain it. |
| Right to Correct | Request correction of any inaccurate personal information we maintain about you. |
| Right to Data Portability | Obtain and reuse your personal information in a structured, commonly used, and machine-readable format. |
| Right to Opt-Out of Sale/Sharing | Opt out of the sale or sharing of your personal information, including sharing for targeted advertising. |
| Right to Opt-Out of Automated Decision-Making | In applicable states, opt out of profiling and automated decision-making that produces legal or similarly significant effects. |
| Right to Limit Use of Sensitive PI | Request that we limit the use or disclosure of your sensitive personal information unless strictly necessary. |
| Right to Non-Discrimination | We will not deny services, charge different prices, or provide a lower level of service based on your privacy choices. |
| Right to Appeal | If we deny your request, you can appeal the decision with clear instructions provided. |
| Right to Lodge Complaint | File a complaint with your local data protection authority if you believe your rights have been violated. |
HOW TO EXERCISE YOUR RIGHTS
To request access, correction, or deletion of your personal information; or to limit use of sensitive PI, please email us at [email protected] and include your name.
To appeal our denial of your request, email us with the subject line: "Appeal of Privacy Rights Request."
We may ask for your contact details (such as name, address, phone number, and email) to confirm your identity. Verification may involve answering a few questions to help us verify who you are. We use this information only to process your request securely.
CHILDREN'S PRIVACY
Our services are not intended for children under the age of 18. We do not knowingly collect, use, sell, or share the personal information of individuals under 16 years of age. If we learn that we have inadvertently collected personal information from a person under 16, we will delete that information as quickly as possible.
If you are a parent or legal guardian and believe that your child under the age of 16 has provided us with personal information, please contact us at [email protected] and we will take appropriate steps to remove such data from our records.
RETENTION PERIOD DISCLOSURE
We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Retention periods vary depending on the type of data and our legal or operational obligations.
COOKIES AND TRACKING TECHNOLOGIES
We use cookies and similar tracking technologies ("Cookies") for lawful purposes, including to track lead generation activities, remember your choices and preferences, improve your user experience, and analyze traffic to our Site. Certain Cookies are also used for security, fraud prevention, and to help us measure the effectiveness of our marketing.
Cookies are small text files stored on your browser or device by websites you visit. Some Cookies are set by us (first-party Cookies) and others by third parties (third-party Cookies).
Most browsers allow you to block, delete Cookies, and alert you when Cookies are being set.
CONTACT US
For questions or concerns about our Privacy Policy and information practices, please contact us at [email protected].