Privacy Policy
First Mover, LLC DBA Friendly Loans ("Friendly Loans," "we," "us," or "our") is a consumer matching service that connects consumers with independent providers. We are not a lender. This Privacy Policy explains how we collect, use, disclose, and protect personal information, and describes your rights under the California Consumer Privacy Act (CCPA/CPRA).
Scope
This Policy applies to personal information we collect online via our websites, forms, emails, SMS programs, and other services that link to it.
Notice at Collection (Summary)
We collect personal information for the purposes of: (1) evaluating your request and connecting you with relevant financial service options; (2) providing customer communications and marketing; (3) security, fraud prevention, and debugging; (4) analytics and product improvement; and (5) compliance with law.
Categories of Personal Information We Collect
- Identifiers (for example: name, email, phone number, IP address)
- Financial and eligibility data you provide (for example: income range, loan purpose); if you provide SSN or date of birth, this may be Sensitive Personal Information (SPI)
- Internet or device activity (for example: pages viewed, device type)
- Inferences (for example: potential product interest)
Sources
- Directly from you via our forms, emails, SMS, and calls
- Automatically from your device via cookies or similar technologies
- From service providers (for example: analytics, security, communications)
Purposes of Use
- To route your inquiry to relevant financial service options and facilitate offers
- To send transactional messages; with opt-in, to send marketing communications
- To maintain security and help prevent fraud or misuse
- To analyze, improve, and debug our services
- To comply with applicable law and enforce our terms
Selling/Sharing and Targeted Advertising
We may disclose personal information to relevant financial service options. Under California law, this may be considered a "sale" or "sharing" of personal information. You can opt out using our Do Not Sell or Share link and through Global Privacy Control (GPC). We do not knowingly sell or share personal information of consumers under 16 years of age.
Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described, including recordkeeping for compliance (typically 4 years for consent artifacts and lead records), or as required by law.
Recipients (Disclosures)
- Service providers (hosting, security, communications, analytics)
- Consent verification and form certification providers
- Third-party providers to whom you request we transmit your information
- Legal authorities, if required by law or to protect rights and safety
- Successors in the event of a business transaction (subject to continued protection)
Your Privacy Rights (California)
Subject to legal limits, you may have the right to: (1) know/access categories and specific pieces of personal information; (2) delete personal information; (3) correct inaccurate information; (4) opt out of sale or sharing; (5) limit use/disclosure of Sensitive Personal Information; and (6) not be discriminated against for exercising your rights.
Global Privacy Control (GPC)
We honor Global Privacy Control (GPC) signals as a request to opt out of sale/sharing for that browser/session.
Sensitive Personal Information
If we collect Sensitive Personal Information (for example: SSN), we use it only for permitted purposes (for example: to process your request, prevent fraud, and comply with law). You may request to limit certain uses under California law.
Cookies, Session Recording, and Similar Technologies
We use cookies and similar technologies for site operations, security, and measurement. We also use form certification and session recording technology, operated by our vendors, on the pages where you complete our forms. Depending on the tool, these technologies may record pages viewed, the sequence and timing of your interactions, mouse movement and keystroke activity within our forms, the information you enter into our forms, your IP address, device and browser characteristics, and referring URLs. Our vendors receive this information directly and use it in accordance with their own privacy policies.
We use these records to document your consent, to verify the origin and integrity of the requests we receive, to detect fraud and abuse, and to improve our services. By using our websites and forms you consent to this recording, as further described in our Terms of Use. You can manage cookie preferences through your browser settings.
Communications
- Email: You can unsubscribe via links in our emails.
- SMS: You can reply STOP to cancel and HELP for help. Message/data rates may apply.
Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure.
Children
Our services are not intended for children under 13, and we do not knowingly collect their data. We do not knowingly sell or share personal information of consumers under 16.
Changes to this Policy
We may update this Policy from time to time. Material changes will be posted on our website with an updated "Last Updated" date.