On this page
1. Information we collect
When you use FlexPay, we collect information you provide directly (such as your name, address, date of birth, Social Security number, income, and bank account details), information from consumer reporting agencies (credit reports and scores), and information about how you use our website (pages visited, actions taken, device and browser data).
We only collect what we need to check your eligibility, present accurate loan options, service your loan if you accept one, and comply with legal obligations.
2. How we use your information
We use the information we collect to:
- Show you loan options you may qualify for
- Verify your identity and prevent fraud
- Underwrite and service any loan you accept
- Communicate with you about your application, account, or our services
- Meet legal, tax, accounting, and regulatory requirements
- Improve our products and website
3. When we share information
We share your information with:
- Lending partners that fund and hold FlexPay loans
- Service providers that help us operate (identity verification, fraud prevention, payment processing, hosting, analytics)
- Consumer reporting agencies when checking your credit or reporting your loan performance
- Government agencies and courts when required by law, subpoena, or valid legal process
- Affiliates and successors in connection with a merger, financing, or sale of business
4. Credit inquiries
When you check your options, we perform a soft credit inquiry that does not affect your credit score and is not visible to other lenders. If you choose to formally accept an offer and complete a loan application, a hard inquiry is placed on your credit file, which may affect your credit score.
We will always tell you before a hard inquiry is placed.
5. How we protect your data
We use 256-bit encryption in transit and at rest, industry-standard identity verification, access controls, and regular security testing to protect your information. No system is perfectly secure, but we invest continuously in the safeguards that protect your data.
If we ever experience a security incident that affects your information, we will notify you as required by applicable law.
6. Your choices and rights
Depending on where you live, you may have rights to:
- Access the personal information we hold about you
- Correct inaccurate information
- Delete certain information, subject to legal retention requirements
- Opt out of marketing communications at any time
- Request a copy of the categories of information shared in the past 12 months
To exercise any of these rights, contact us using the details in the Contact us section below.
7. Cookies and tracking
Our website uses cookies and similar technologies to keep you signed in, remember your preferences, analyze traffic, and improve the site. You can control cookies through your browser settings. Blocking essential cookies may prevent parts of the site from working correctly.
8. Changes to this policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top of the page reflects the most recent revision. Material changes will be communicated through the website or by email where appropriate.
9. Contact us
Questions about this policy or how we handle your information? Reach us at [email protected] or through the contact page.