Privacy Policy
Not Your Score LLC ("Not Your Score," "we," "us," or "our") operates notyourscore.com (the "Site"). This Privacy Policy explains how we collect, use, share, and protect your information.
By using the Site and submitting your information, you agree to this Privacy Policy.
1. Information we collect
Information you provide. When you complete a form, we may collect your name, email, phone number, ZIP code, requested loan amount, loan purpose, self-reported credit range, income, employment/income type, and similar details needed to match you with lenders. We do not request your Social Security number or full bank account numbers on our forms.
Collected automatically. Your IP address, device and browser type, pages viewed, and timestamps, via cookies, pixels, and similar technologies.
Consent and certification data. Records evidencing your consent, including a verification certificate (such as TrustedForm or Jornaya), submission timestamp, and the disclosure text you agreed to.
2. How we use your information
To match you with and transmit your information to third-party lenders and marketing partners; to contact you by phone, text, and email about loan offers; to operate and improve the Site; to prevent fraud and verify lead quality; and to comply with legal obligations.
3. How we share your information
With lenders and marketing partners. This is the core of our service. By submitting a form, you authorize us to share your information with one or more third-party lenders and marketing partners, who may contact you and market financial products. These third parties are independent and have their own policies governing your information once received.
With service providers who perform services for us (hosting, analytics, lead verification, compliance scrubbing, communications). For legal and safety reasons, to comply with law or protect rights and safety. In business transfers, in connection with a merger, financing, or sale of assets.
4. Communications and your consent
By submitting your information and agreeing to our consent disclosure, you consent to be contacted by us and our partners at the phone and email provided — including by automatic dialing systems, prerecorded or artificial voice messages, and SMS text — even if your number is on a federal or state Do-Not-Call registry. Consent is not a condition of obtaining any loan or service. Message and data rates may apply. You may revoke consent at any time as described in Section 6. [Counsel must confirm this matches your consent flow and current FCC rules.]
5. Cookies and tracking
We use cookies and similar technologies to operate the Site, remember preferences, measure performance, and support marketing. You can control cookies through your browser settings.
6. Your choices and rights
Opt out of calls/texts: reply STOP to any text, or email [PRIVACY EMAIL] to be added to our internal Do-Not-Call list. Email: use the unsubscribe link in any marketing email. Access, correction, deletion: request these by contacting [PRIVACY EMAIL].
7. California privacy rights (CCPA/CPRA)
California residents have the right to know what personal information we collect, use, and disclose; to request deletion and correction; and to opt out of the "sale" or "sharing" of personal information. Our sharing with lenders and marketing partners may be considered a "sale" or "sharing" under California law. To exercise these rights, contact [PRIVACY EMAIL] or use our "Do Not Sell or Share My Personal Information" link. We will not discriminate against you for exercising your rights. [Counsel to confirm CCPA/CPRA compliance and required links.]
8. Other state privacy rights
Residents of states with comprehensive privacy laws (including Virginia, Colorado, Connecticut, Utah, Texas, and others) may have rights to access, correct, delete, and opt out of certain processing and targeted advertising. Contact [PRIVACY EMAIL] to exercise these rights.
9. Data security and retention
We use reasonable administrative, technical, and physical safeguards. No method of transmission or storage is completely secure. We retain your information as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements.
10. Children's privacy
The Site is intended only for individuals 18 years of age or older. We do not knowingly collect information from anyone under 18.
11. Third-party sites
The Site may link to third-party websites. We are not responsible for their privacy practices or content.
12. Changes to this policy
We may update this Privacy Policy from time to time. Changes are effective when posted, with an updated "Last updated" date.
13. Contact us
Not Your Score LLC
[MAILING ADDRESS]
Email: [PRIVACY EMAIL] · Phone: [PHONE]