Privacy Policy

Effective Date: September 21st, 2023

Credit Direct takes your privacy seriously. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use our online service and any other online services offered by our affiliates link to or reference this policy (collectively, our “online services”). This privacy policy discloses the privacy practices for Delmarva Funding dba Credit Direct and our websites: https://gocreditdirect.com and https://www.creditdirect.com and other sites on which this privacy policy is displayed (such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively, or collectively as “Services”) as well as Credit Direct affiliates.

This policy will notify you of the following:

1. What information we collect
2. How we collect information
3. How we use the information we collect
4. Who do we share your information with?
5. How you can correct your information and limit sharing
6. How your information is secured
7. How policy changes will be communicated
8. Other miscellaneous provisions

What Information We Collect

Personal Information

When visit our site and use our services we may collect personal information from or about you such as your real name, alias, postal address, telephone number, unique personal identifier, online identifier, Internet Protocol address, email address or other communication information, account name, social security number, driver’s license number or state identification card number, passport number, or other similar identifiers or identity verification information.

Financial Information

We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our, or third party partners’ products or services. For additional information relating to your choices about financial information specifically, see our Privacy Disclosure (PDF).

Other Information

We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

Information Provided by You

We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, through email or text messaging, or via other means in which you interact with our Services.

Information from third parties

Information is collected from third parties, including information we request from credit reporting agencies, and service providers, lead generators and other third parties who may have data on your financial profile, home, or other demographic information.

Information from cookies and other tracking technologies

We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect information. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. If you do so, please note that some parts of our Sites may not function properly.

How We Use the Information We Collect

We use the information discussed above in a variety of ways, including to:

• Deliver the products and services that you requested
• Improve our site and improve customer service
• To determine your financial health
• To process loan applications and facilitate funds and transfer between financial institutions and other third parties.
• Communicate with you about products or services that may be of interest to you
• Providing you tailored content and marketing messages; Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions)
• Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies
• For any other purposes that we may specifically disclose at the time you provide or we collect your information.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

Who Do We Share Your Information With?

We may share the information we collect from and about you with our affiliates and other third parties. For example, we may share your information with:

• Affiliates. We may share information about you or provided by you with the Credit Direct affiliates and other companies owned by or under common ownership as Credit Direct. A list of our affiliates can be found on our affiliate page. These companies will use information about you in the same way as we can under this Policy.
• Third Parties: When you register with the Site, you explicitly authorize us to share your information with our preferred partners/vendors so that they may to contact you via email, telephone and/or direct mail. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. By visiting our Site, YOU AFFIRMATIVELY ACKNOWLEDGE, CONSENT, AND AGREE TO THE TERMS AND CONDITIONS AND PRIVACY POLICY. YOU FURTHER AFFIRMATIVELY CONSENT, AGREE TO, AND AUTHORIZE THE COMPANY, ITS PARTICIPATING PROVIDERS AND THIRD PARTIES ACTING ON THEIR BEHALF TO CONTACT YOU VIA: 1) COMMERCIAL EMAIL MESSAGES SENT ELECTRONICALLY TO THE EMAIL ADDRESS PROVIDED; 2) MARKETING/TELEMARKETING CALLS BY TELEPHONE, INCLUDING YOUR WIRELESS NUMBER IF PROVIDED, USING LIVE OPERATORS, AUTOMATED TELEPHONE DIALING SYSTEMS, PRE-RECORDED VOICE MESSAGES, EVEN IF YOUR TELEPHONE NUMBER IS CURRENTLY LISTED ON ANY STATE, FEDERAL, LOCAL OR CORPORATE DO NOT CALL LIST. YOUR CONSENT TO BEING CONTACTED IS NOT REQUIRED IN ORDER TO SUBMIT YOUR APPLICATION OR TO PURCHASE GOODS OR SERVICES AND MAY BE REVOKED AT ANY TIME. Your information, including your PII, may be sold to preferred partners/vendors. We may also sell your information, including your PII to other affiliated companies, and with other trusted vendors and business partners. Some business partners include companies who provide business services to us or on our behalf, such as to market products or services to you, monitor Services activity, help to maintain our customer database, and administer emails, surveys or other contests. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of our Company. The personal information collected on this site and by third parties will be used to operate the Site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may also use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.
• Network Partners. Loans may be funded by third parties lenders and loan funding sources and not Credit Direct. When you submit an inquiry or use another Service provided through the Website, you direct Credit Direct to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request. Credit Direct does not endorse any particular lender, nor does it control the creditworthiness qualification eligibility criteria of any participating third party lender or loan funding source. These companies’ privacy and information sharing practices are set forth in their respective privacy policies. This service is void where prohibited.
• Legally Interested Parties. Third parties as required by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) to enforce our Terms of Use or to protect the security or integrity of our Services; and/or (c) to exercise or protect the rights, property, or personal safety of Credit Direct, our visitors, or others.

We may also share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.

Non-Sharing of SMS Consent

We will never share consent to send you an SMS message at your mobile phone number with any third parties.

How You Can Correct your Information and Limit Sharing

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us in the following ways:

• Via email at: [email protected]
• By Phone at: 866-414-5742
• Through our website at: www.creditdirect.com
• If you decide that you are no longer interested in receiving SMS or email communications from us, you may follow the instructions in our SMS or emails to unsubscribe from our email list.

When you contact us you will be able to ask what data we have about you, if any. Change/correct any data we have about you. Have us delete any data we have about you. Express any concern you have about our use of your data.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

How Your Information is Secured

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted with 2048-bit SSL encryption (TLS 1.2), transmitted in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser or looking for “https” at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (e.g. billing or customer service) are granted access to personally identifiable information. The computers/servers on which we store personally identifiable information are kept in a secure environment.

Notification of Changes

We may change this Online Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise.

Other Provisions

Compliance with Children’s Online Privacy Protection Rule

Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information.

Online Tracking Opt-Out Guide

Like many companies online, we use services provided by Google, Facebook and other companies that use tracking technology. These services rely on tracking technologies – such as cookies and web beacons – to collect directly from your device information about your browsing activities, your interactions with websites, and the device you are using to connect to the Internet. There are a number of ways to opt out of having your online activity and device data collected through these services, which we have summarized below:

• Blocking cookies in your browser. Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. For more information about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit www.allaboutcookies.org.
• Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
• Using privacy plug-ins or browsers. You can block our websites from setting cookies used for interest-based ads by using a browser with privacy features, like Brave, or installing browser plugins like Privacy Badger, Ghostery or uBlock Origin, and configuring them to block third-party cookies/trackers.

Other Provisions as Required by Law

Numerous other provisions and/or practices may be required as a result of laws, international treaties, or industry practices. It is up to you to determine what additional practices must be followed and/or what additional disclosures are required. Please take special notice of the California Online Privacy Protection Act (COPPA), which is frequently amended and now includes a disclosure requirement for “Do Not Track” signals.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 877-838-6662 or via email at [email protected].

For more information on our privacy practices, please view our Privacy Disclosure (PDF).