Introduction
Three Sticks Lending ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.
Information We Collect
Personal Information You Provide
When you submit a loan request through our service, we collect personal information including:
- Full name and contact information (address, phone number, email)
- Date of birth and Social Security number
- Employment information (employer name, income, pay frequency)
- Bank account information (account and routing numbers)
- Loan amount requested and intended use
- Credit and financial information obtained through consumer reporting agencies
Automatically Collected Information
We automatically collect certain information when you visit our website, including:
- IP address and device information
- Browser type and operating system
- Pages visited and links clicked
- Date and time of your visit
- Referring website addresses
How We Use Your Information
We use your personal information for the following purposes:
- Loan Matching: To connect you with lenders in our network who may offer loan options
- Identity Verification: To verify your identity and prevent fraud
- Service Communication: To communicate with you about your loan request and our services
- Improvement: To improve our website, services, and user experience
- Compliance: To comply with legal obligations and enforce our terms
- Marketing: To send you promotional communications (with your consent where required)
Information Sharing and Disclosure
Lenders and Financial Service Providers
When you submit a loan request, we share your information with lenders and financial service providers in our network who may offer you loan options. These third parties have their own privacy policies governing how they use your information.
Service Providers
We share information with third-party service providers who perform services on our behalf, including:
- Consumer reporting agencies for credit checks
- Identity verification services
- Data analytics providers
- Customer service and communication platforms
- Technology and hosting providers
Legal Requirements
We may disclose your information when required by law or to:
- Comply with legal processes or government requests
- Enforce our terms and agreements
- Protect our rights, property, or safety
- Prevent fraud or illegal activity
Business Transfers
If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
Marketing Communications
By submitting a loan request, you consent to receive marketing communications from us and our partners via email, phone (including automated calls and text messages), and mail. You may opt out of marketing communications at any time by:
- Clicking the unsubscribe link in our emails
- Replying STOP to text messages
- Contacting us at contact@threesticks-lending.com
Please note that opting out of marketing communications does not opt you out of service-related communications regarding your loan request.
Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:
- Encryption of sensitive data in transit and at rest
- Secure server infrastructure and access controls
- Regular security assessments and updates
- Employee training on data protection practices
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.
Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information, including:
- Access: Request access to the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal obligations)
- Opt-Out: Opt out of marketing communications
- Data Portability: Request a copy of your information in a portable format
To exercise these rights, please contact us at contact@threesticks-lending.com. We will respond to your request within the timeframe required by applicable law.
California Privacy Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to request deletion, and the right to opt out of the sale of your personal information.
To exercise your California privacy rights, please contact us at contact@threesticks-lending.com with "California Privacy Rights" in the subject line.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our website.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
Three Sticks Lending
Email: contact@threesticks-lending.com
Website: threesticklendings.com