Privacy Policy

1.Who this policy covers

This policy explains how wisetackapply.com collects, uses, and shares personal information when you visit this website or apply for financing through it. It applies to this website only. If you follow a link to a lending partner, a service provider, or any other third party, their own privacy policy governs what they do with your information.

2.Information we collect

We collect information in three ways:

Information you give us

• Identifying details such as your name, date of birth, address, email address, and phone number
• Government identifiers such as a Social Security number or ITIN, where required to verify identity
• Financial details such as income information and bank account details used to set up repayments
• Details of the service you are financing and the amount requested
• Anything you send us by email

Information collected automatically

• Device and browser type, operating system, and screen size
• IP address and approximate location derived from it
• Pages viewed, links clicked, and time spent on the site
• Referring website or campaign that brought you here

Information from third parties

• Credit information from consumer reporting agencies, obtained with your authorisation
• Identity and fraud-prevention data from verification services
• Information from the service provider offering you financing

3.How we use your information

We use personal information to:

• Assess your application and present the financing options available to you
• Verify your identity and prevent fraud
• Set up and service your loan, including processing payments
• Communicate with you about your application or account
• Meet legal, regulatory, and record-keeping obligations
• Maintain, secure, and improve this website

4.Credit checks

When you check your rate, a soft credit inquiry is performed. A soft inquiry does not affect your credit score and is not visible to other lenders reviewing your file.

A hard credit inquiry may be performed only if you choose to accept an offer and proceed with a full application. A hard inquiry is visible to other lenders and may have a small, temporary effect on your credit score.

5.How we share information

We share personal information with:

• Lending partners who originate and service loans
• Service providers acting on our behalf, such as identity verification, payment processing, hosting, analytics, and customer support tools
• The business providing your service, to the extent needed to complete the transaction
• Consumer reporting agencies, as permitted or required
• Legal and regulatory bodies, where required by law or to protect against fraud

We do not sell your personal information.

6.Cookies and tracking

This site uses cookies and similar technologies to keep the site working, remember your preferences, and understand how the site is used. Most browsers let you refuse or delete cookies through their settings; doing so may affect how parts of the site function.

Where required, we honour recognised browser-based opt-out signals for the sharing of personal information for targeted advertising purposes.

7.How long we keep information

We keep personal information for as long as needed for the purposes described in this policy and to meet legal, tax, accounting, and regulatory requirements. Records relating to a loan are generally kept for the life of the loan and for a period afterwards as required by applicable law.

8.Your rights and choices

Depending on where you live, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of information, subject to legal retention requirements
• Request a copy of your information in a portable format
• Opt out of the sale or sharing of personal information, and of certain targeted advertising
• Not receive discriminatory treatment for exercising these rights

To make a request, email [email protected]. We may need to verify your identity before acting on a request.

9.Security

Information submitted through this site is transmitted over an encrypted connection, and we maintain administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

10.Children

This website and the financing offered through it are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided information to us, contact [email protected] and we will delete it.

11.Changes to this policy

We may update this policy from time to time. When we do, we will revise the "last updated" date at the top of this page. Material changes will be communicated more prominently where required by law.

12.Contact us