Privacy Policy — My Smart Funding

1. Who we are

My Smart Funding ("we," "us," or "our") operates mysmartfunding.com (the "Site"). We connect consumers with a network of independent, third-party lenders and lending partners ("Lending Partners"). We are not a lender and do not make credit decisions.

2. Information we collect

When you submit an application through the Site, we may collect:

Contact and identity information: full name, date of birth, email address, mobile number, home address.
Financial information: monthly income, income source, paycheck frequency, direct deposit status, current debt, and estimated credit score.
Employment information: employer name, employment duration, and work phone number.
Identification information: driver's license or state ID number, issuing state, and Social Security number.
Banking information: account type, routing number, and account number.
Military service status.
Technical information such as IP address, browser type, and device information collected automatically when you use the Site.

3. How we use your information

We use the information you provide to:

Match your application against our network of Lending Partners to identify offers you may qualify for.
Share your application with Lending Partners so they can evaluate and, at their discretion, extend an offer.
Contact you by email, phone, or SMS/text message regarding your application and any resulting offers, consistent with the consent you provide during the application process.
Detect, investigate, and prevent fraud and unauthorized activity.
Comply with applicable laws, regulations, and lawful requests from public authorities.

4. How we share your information

We share the information you submit with the Lending Partners in our network for the purpose of matching you with funding offers. Lending Partners who receive your information become responsible for their own use of it under their own privacy policies, which we encourage you to review before accepting any offer. We may also share information with service providers who help us operate the Site (such as hosting and data-storage providers), and as required by law.

We do not sell your Social Security number.

5. Data security

We use reasonable administrative, technical, and physical safeguards designed to protect the information you provide, including transmitting data over encrypted (HTTPS/TLS) connections. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Data retention

We retain application information for as long as necessary to fulfill the purposes described in this policy, including to comply with legal, accounting, or reporting obligations, after which it is deleted or de-identified.

7. Your choices and rights

Depending on where you live, you may have the right to request access to, correction of, or deletion of your personal information, or to opt out of certain sharing. To make a request, contact us using the details in Section 10. You may also opt out of marketing communications at any time by following the unsubscribe instructions in our messages or by contacting us directly; note that opting out of marketing does not withdraw consent needed to process an already-submitted application.

8. Children's privacy

The Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from anyone under 18.

9. Changes to this policy

We may update this Privacy Policy from time to time. Changes are effective when posted on this page with an updated "Last updated" date.

10. Contact us

Questions about this Privacy Policy can be sent to privacy@mysmartfunding.com.