Privacy Policy for Crowdcopia LLC

Last updated: 1/13/2025

Introduction

Crowdcopia LLC is committed to protecting the privacy of our customers. This Privacy Policy outlines how we collect, use, share, and safeguard the personal and financial information of our borrowers who apply for and obtain loans through our website, Crowdcopia LLC, and through direct communication (e.g., email, phone).

By using our services, you agree to the practices described in this Privacy Policy. If you do not agree with the terms, please refrain from using our website and services.

1. Information We Collect

We collect the following types of information from you:

  • Personal Information: This includes your name, address, phone number, email address, date of birth, and Social Security number.
  • Financial Information: This includes details about your income, employment, bank account information, outstanding debts, and credit history.
  • Application Information: Information you provide through loan applications, whether online or submitted via email or other communication methods.
  • Communications: We may collect data from email correspondence, phone calls, or other forms of communication you initiate with us.

2. How We Collect Information

We collect information through the following methods:

  • Online Forms: When you apply for a loan through our website, we collect personal, financial, and application information that you provide.
  • Email and Other Communications: If you submit an inquiry or apply for a loan via email, we collect any data included in those communications.
  • Third-Party Services: We may use third-party services (such as credit bureaus, payment processors, and fraud detection services) to verify the information you provide and assess your creditworthiness.
  • Cookies and Tracking Technologies: Our website may use cookies and other tracking technologies to enhance your user experience and track website usage. You can manage cookie preferences through your browser settings.

3. How We Use Your Information

We use your information for the following purposes:

  • Loan Processing and Underwriting: To evaluate and process your loan application, verify your identity, and assess your creditworthiness.
  • Customer Service: To communicate with you about your loan application or to provide customer support.
  • Payment Processing: To manage payments, set up automatic payments, and send loan-related notices.

No mobile information will be shared with third parties/affiliates for marketing purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

 

4. How We Share Your Information

We may share your personal and financial information with third parties in the following circumstances:

  • Credit Bureaus: We may share your credit-related information with credit bureaus for the purpose of credit reporting and loan underwriting.
  • Legal Obligations: We may disclose your information to comply with legal requirements, including responding to lawful requests from law enforcement agencies or other government authorities.
  • Business Transfers: In the event of a merger, acquisition, or sale of our business, your information may be transferred as part of the transaction.

5. Data Security

We take reasonable measures to protect the security of your personal and financial information. These measures include:

  • Access Control: We restrict access to your information to authorized personnel only.
  • Secure Servers: Our website and data storage systems are hosted on secure servers.

However, no data transmission or storage system can be guaranteed to be 100% secure. While we take steps to protect your information, we cannot guarantee the absolute security of your data.

6. Data Retention

We retain your personal and financial information for as long as necessary to:

  • Fulfill the purposes outlined in this Privacy Policy.
  • Comply with applicable legal and regulatory requirements, such as record-keeping requirements related to loan documentation.

After this period, we may either anonymize or securely delete your information.

7. Your Rights Regarding Your Information

Depending on your location, you may have certain rights regarding your personal data. These rights may include:

  • Access: The right to request a copy of the information we hold about you.
  • Correction: The right to correct inaccurate or incomplete data.
  • Deletion: The right to request the deletion of your personal data, subject to certain legal limitations.

To exercise any of these rights, please contact us at info@crowdcopia.com.

8. Children’s Privacy

Our services are not intended for children under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected data from a child, we will take steps to delete that information as quickly as possible.

9. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, or if you would like to exercise your rights regarding your personal data, please contact us at:

Crowdcopia LLC
42 E Baltimore Avenue Lansdowne PA 19050
Info@crowdcopia.com
(215) 360-4734