Converfund

Privacy Policy

Last Updated: January 29, 2026

converfund.com (“we,” “us”) publishes this Privacy Policy to explain how we handle, protect, and share your Personal Information. Updates are posted periodically, and continued platform access constitutes acceptance of modified terms.

POLICY SCOPE & APPLICABILITY

  • Part A (GLBA/FCRA Framework): Covers nonpublic personal information (NPI) and credit data (such as authorized soft credit pulls) collected during loan inquiries.

  • Part B (State Privacy Track): Governs non-GLBA site activity, basic user telemetry, and platform marketing.

  • Priority Rule: Information submitted within loan inquiry requests is strictly controlled by GLBA regulations over state privacy rules.

PART A — GLBA/FCRA PRIVACY NOTICE

1. Personal Data Collected & Purpose

  • Contact & Identifiers: Name, physical address, email, phone number, Social Security number, and driver's license details. Used for identity verification, transaction execution, and fraud prevention.

  • Financial & Application Data: Income, employment status, employer name, bank account/routing numbers, requested loan details, and self-reported credit score. Used to evaluate eligibility and match you with participating lenders.

  • Technical & Credit Information: IP address, device specs, fraud-prevention cookies, and soft credit inquiry results. Used for system security, consent logging, and pre-qualification.

2. Data Sharing Practices & Limitations

  • Everyday Business Operations: Shared with Lenders/Networks and financial service vendors to process requests, verify identity, and prevent fraud. Sharing cannot be limited.

  • Credit Evaluation: Shared to facilitate authorized soft credit inquiries under FCRA rules. Sharing cannot be limited.

  • Internal Marketing: Shared to market our own services and remind you to complete requests. Sharing cannot be limited, though TCPA/CAN-SPAM preferences apply.

  • Non-Affiliate Marketing: Shared with third-party marketers at your direction (consent) so they can contact you regarding their products. You may limit this sharing.

  • Affiliate & Joint Marketing: We do not share your information for joint marketing or with affiliates.

  • Operational Exception Note: Lender outreach to fulfill your requested credit match is an operational disclosure, not a third-party marketing share. Unselected lenders in the routing process are contractually forbidden from contacting you or retaining data.

3. GLBA Opt-Out & Definitions

  • How to Limit Sharing: Send an email to [email protected] with the subject line “GLBA opt-out” (include your full name, email, and phone number). This blocks marketing sharing with non-affiliates but does not halt necessary transaction execution.

  • Marketing Partners: Encompasses Lenders/Networks (lenders, brokers, lead networks) and Third-Party Marketers (credit repair, fintech, debt relief providers). View our list of Marketing Partners.

  • Data Security: We maintain GLBA § 1016.30(b) safeguards, robust encryption, firewalls, restricted database access, and multi-factor authentication.

PART B — STATE PRIVACY NOTICE

1. Collection & Disclosures (Last 12 Months)

  • Identifiers (Email, Phone): Collected from user submissions to handle outreach, communication, and marketing. Disclosed to marketers and delivery service vendors.

  • Network Activity (Cookies, IP Location): Collected automatically to manage and optimize ad audiences. Shared with advertising platforms (such as Meta and TikTok) in hashed formats only.

  • Consent & Opt-Out Records: Collected via form submissions to maintain regulatory compliance. Shared with service providers and marketers.

  • No Cross-Context Ads: We do not sell or share loan inquiry form data for cross-context behavioral advertising.

2. Consumer Rights

  • Right to Know & Access: Request details regarding gathered data categories, sources, processing goals, and third-party recipients.

  • Right to Delete & Correct: Request erasure of your data (subject to statutory retention exceptions) or correction of inaccurate records.

  • Right to Opt-Out & Limit: Opt out of personal data sales/sharing or restrict processing of sensitive personal information.

  • Right to Non-Discrimination & Appeal: Equal service is guaranteed regardless of privacy choices; you maintain the right to appeal denied requests.

3. Rights Execution & General Policies

  • Exercising Rights: Submit requests via email to [email protected]. Use subject line "Appeal of Privacy Rights Request" to appeal prior decisions.

  • Minors' Privacy: Services are strictly for users 18 and older. Data from individuals under 16 is deleted immediately upon discovery. Parents may email [email protected] for minor data removal.

  • Browser Signals & Cookies: We do not respond to "Do Not Track" (DNT) browser signals. You can manage browser cookies directly through Chrome, Firefox, or Safari. Additional information is accessible via All About Cookies and Your Online Choices.