Privacy Policy

Gold Scepter Finances LLC ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains in detail how we collect, use, disclose, store, and safeguard your information when you visit our website at Gold Scepter Finances, use our loan comparison and referral services, submit a loan application, or otherwise interact with us in any way. Please read this policy carefully before using our services. By accessing our website, submitting an application, or using our services, you acknowledge that you have read, understood, and agree to be bound by the practices described in this Privacy Policy.

1. Information We Collect

We collect information from and about you in three primary ways: (1) information you provide directly to us when you apply for a loan, create an account, contact us, or participate in surveys or promotions; (2) information we obtain automatically when you access our website or use our services, including through cookies, pixels, and similar technologies; and (3) information we receive from third parties, such as credit bureaus, lenders in our network, identity verification services, and marketing partners. The types of information we collect are described in detail below.

1.1 Information You Provide Directly

When you apply for a loan through our platform, contact us with questions or feedback, sign up for communications, or otherwise interact with our services, you may voluntarily provide the following categories of information:

• Personal Identification Information: Your full legal name, date of birth, Social Security number (or other government-issued identification numbers where applicable), and copies of government-issued identification documents such as a driver's license or state ID. We use this information to verify your identity and comply with applicable anti-fraud and anti-money laundering regulations.
• Contact Information: Your email address, mailing address, telephone number (including mobile number), and preferred method of contact. We use this information to communicate with you about your application, loan offers, account status, and to send you important notices and marketing communications where permitted.
• Financial Information: Your income, employment status, employer name and contact information, bank account details (including account number and routing number for direct deposit), credit history, outstanding debts, and other financial obligations. This information is used to match you with appropriate lenders and to facilitate the loan application and funding process.
• Other Information: Any additional information you choose to provide in communications with us, in application forms, or in response to surveys. This may include information about the purpose of your loan, your housing status, or other relevant details.

1.2 Information Collected Automatically

When you access our website or use our online services, we and our service providers may automatically collect certain information about your device and how you interact with our website. This information may include:

• Device and Browser Information: Your IP address, browser type and version, operating system, device type (e.g., desktop, mobile, tablet), device identifiers (such as advertising IDs), and screen resolution. This helps us optimize our website for your device and detect potential fraud.
• Usage Data: Pages you visit on our website, the time and date of your visits, the amount of time spent on each page, the referring URL (the website or link that brought you to us), search terms you use on our site, and your navigation path through our website. We use this information to improve our services and user experience.
• Cookies and Similar Technologies: As described in Section 6 below, we use cookies, web beacons, pixels, and similar technologies to collect information about your browsing activities. You can control many of these technologies through your browser settings.

1.3 Information from Third Parties

We may receive information about you from third-party sources to verify your identity, assess your creditworthiness, prevent fraud, and improve our services. These sources may include:

• Credit Bureaus and Consumer Reporting Agencies: We may obtain your credit report and credit score from one or more consumer reporting agencies (such as Experian, Equifax, and TransUnion) to help match you with appropriate lenders and to verify the information you provide.
• Lenders and Financial Institutions: Lenders in our network may share information with us about your loan application status, whether you were approved or denied, and the terms of any loan you accept. This helps us improve our matching process and provide you with better service.
• Identity Verification Services: We may use third-party services to verify your identity by comparing the information you provide against public records and other databases.
• Marketing and Analytics Partners: We may receive information from advertising networks, data brokers, and analytics providers to help us understand our audience, measure the effectiveness of our marketing, and deliver relevant advertisements. This may include demographic information, interests, and online behavior data.

2. How We Use Your Information

We use the information we collect for the following business and operational purposes:

• To Process Your Loan Application: We use your personal and financial information to match you with potential lenders in our network, to facilitate the submission of your application to those lenders, and to help you compare loan offers. Lenders use this information to evaluate your eligibility and to make lending decisions.
• To Verify Your Identity and Prevent Fraud: We use your identification information and data from third-party verification services to confirm your identity, prevent identity theft, and detect and prevent fraudulent applications and other illegal activities.
• To Communicate With You: We use your contact information to send you updates about your application status, to respond to your inquiries, to provide customer support, and to send you important notices about our services, including changes to our terms or policies.
• To Send Marketing Communications: Where you have given your consent or where permitted by applicable law, we may use your contact information to send you promotional emails, newsletters, and other marketing materials about our services, special offers, and financial tips. You may opt out of marketing communications at any time by clicking the unsubscribe link in our emails or visiting our Unsubscribe page.
• To Improve Our Website and Services: We analyze usage data and feedback to improve our website design, functionality, and user experience, to develop new features, and to fix technical issues.
• To Comply With Legal Obligations: We use and retain your information as necessary to comply with applicable federal, state, and local laws, regulations, and legal processes, including responding to subpoenas, court orders, and government requests.
• To Protect Our Rights and Interests: We may use your information to enforce our Terms of Use, to protect the rights, property, and safety of Gold Scepter Finances LLC, our users, and others, and to defend against legal claims.
• To Conduct Analytics and Research: We may use aggregated and de-identified data for internal analytics, market research, and to prepare reports and statistics about our services.

3. How We Share Your Information

We may share your personal information with the following categories of recipients for the purposes described below:

• Lenders and Partner Financial Institutions: When you submit a loan application through our platform, we share your application information, including your name, contact details, financial information, and credit-related data, with third-party lenders in our network. These lenders use this information to evaluate your application, determine your eligibility, and make lending decisions. Each lender has its own privacy policy governing how they use your information. We encourage you to review the privacy policies of any lender before accepting a loan offer.
• Service Providers: We share information with vendors and service providers who perform services on our behalf, such as website hosting, data storage, payment processing, email delivery, customer support, analytics, marketing, identity verification, and credit reporting. These providers are contractually obligated to use your information only for the purposes we specify and to protect it in accordance with applicable data protection laws.
• Credit Bureaus and Consumer Reporting Agencies: We may report information about your loan application and account activity to credit bureaus as permitted by law. This may affect your credit score. We may also obtain your credit report from credit bureaus to facilitate the lending process.
• Legal and Government Authorities: We may disclose your information when required by law, court order, subpoena, or other legal process, or when we believe in good faith that disclosure is necessary to comply with the law, protect our rights, prevent fraud, or ensure the safety of our users.
• Business Transfers: In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your personal information may be transferred to or acquired by a successor or assignee. We will notify you of any such change and any choices you may have regarding your information.

We do not sell your personal information to third parties for their direct marketing purposes. For California residents, please see Section 8 below regarding your rights under the California Consumer Privacy Act (CCPA), including your right to opt out of the "sale" or "sharing" of personal information as defined under California law.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include: (1) 256-bit SSL (Secure Sockets Layer) encryption for all data transmitted between your browser and our servers; (2) secure data storage with access controls and encryption at rest where appropriate; (3) regular security assessments and monitoring; (4) employee training on data protection and confidentiality; and (5) contractual requirements for our service providers to maintain appropriate security measures.

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account. If you believe your account has been compromised, please contact us immediately at [email protected].

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to process your loan application, provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods depend on the type of information and the purpose for which it was collected. For example, we may retain application and transaction records for a minimum of seven (7) years to comply with federal and state financial regulations. When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website, to understand how visitors use our site, and to deliver relevant advertisements. A cookie is a small text file that is stored on your device when you visit a website. We use the following types of cookies and technologies:

• Essential Cookies: These cookies are necessary for the website to function properly. They enable basic features such as page navigation, secure login, and form submission. The website cannot function properly without these cookies.
• Analytics Cookies: These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. We use this information to improve our website and services.
• Functional Cookies: These cookies enable enhanced functionality and personalization, such as remembering your preferences and settings.
• Marketing and Advertising Cookies: These cookies may be set by us or our advertising partners to build a profile of your interests and to deliver relevant advertisements on our site and on other sites you visit. They may also be used to measure the effectiveness of advertising campaigns.

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Please note that disabling certain cookies may affect the functionality of our website and your ability to use some features. For more information about our advertising practices, please see our Marketing Practices page.

7. Your Choices and Rights

Depending on your location, you may have certain rights regarding your personal information. We are committed to honoring these rights in accordance with applicable law.

• Access: You have the right to request a copy of the personal information we hold about you. We will provide the information in a commonly used, machine-readable format where technically feasible. We may need to verify your identity before fulfilling your request.
• Correction: You have the right to request correction of inaccurate or incomplete personal information. We will make reasonable efforts to update your information promptly.
• Deletion: You have the right to request deletion of your personal information, subject to certain legal exceptions. For example, we may be required to retain certain information to comply with legal obligations, complete transactions, or resolve disputes.
• Opt-Out of Marketing: You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" or "opt-out" link at the bottom of our emails, or by visiting our Unsubscribe page and submitting your email address. Please note that even if you opt out of marketing, we may still send you transactional communications related to your account or application.
• Do Not Track: Some browsers have a "Do Not Track" feature that signals to websites that you do not want your online activity tracked. Our website does not currently respond to Do Not Track signals.

To exercise any of these rights, please contact us at [email protected] or call us at +1 970 4063551. We will respond to your request within the timeframes required by applicable law. In some jurisdictions, you may also have the right to lodge a complaint with a data protection supervisory authority.

8. California Privacy Rights

If you are a resident of California, the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA) provide you with additional rights regarding your personal information. These rights include:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which we collected it, the business or commercial purposes for collecting it, and the categories of third parties with whom we share it.
• Right to Delete: You have the right to request that we delete your personal information, subject to certain exceptions under the CCPA.
• Right to Opt Out of Sale or Sharing: You have the right to opt out of the "sale" or "sharing" of your personal information as those terms are defined under California law. We do not sell personal information in the traditional sense; however, certain sharing of information with advertising partners for targeted advertising may constitute a "sale" or "sharing" under the CCPA. To opt out, please visit our Do Not Sell My Personal Information page.
• Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your privacy rights. We will not deny you services, charge you different prices, or provide you with a different level of service because you exercised your CCPA rights.
• Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you.
• Right to Limit Use of Sensitive Personal Information: You have the right to limit our use of your sensitive personal information (such as Social Security number, financial account information, or precise geolocation) to certain purposes specified under the CCPA.

To exercise your California privacy rights, contact us at [email protected] or call +1 970 4063551. You may also designate an authorized agent to make a request on your behalf. We will verify your identity before processing your request.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information without your consent, please contact us immediately at [email protected]. We will take steps to delete such information from our systems as soon as reasonably practicable.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by posting the updated policy on our website and updating the "Last Updated" date at the top of this page. We may also notify you by email or through a prominent notice on our website if the changes materially affect how we use your personal information.

Your continued use of our website and services after the effective date of any changes constitutes your acceptance of the revised Privacy Policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

Gold Scepter Finances LLC
2720 S Garfield St, Denver, CO 80210-6622
Email: [email protected]
Phone: +1 970 4063551