Amicus Lending Privacy Policy

Our privacy policy covers the information we collect when you visit our site or submit an amicus lending request, how we use and share it, and the rights you have. It applies to our website, request form, emails and text messages.

When you search amicus lending and use our service, you are dealing with a connector, not a lender. Lenders and partners in the network that receive your request have their own privacy policies, which govern how they handle your information once they have it. We encourage you to read those policies on each lender's site before accepting an offer.

By using the site, you agree to the practices described here and in our terms of use.

We collect the details you enter on the request form, technical data from your device and browser, and limited information from partners such as identity verification and fraud prevention services.

Information you provide:

• Name, home address, email address and phone number
• Date of birth and, where a lender requires it, the last digits or full Social Security number
• Requested loan amount and loan purpose
• Employment status, income, pay frequency and employer name
• Housing status, monthly housing payment and estimated credit standing
• Bank account type and, at a lender's request, bank account details for funding

Information collected automatically:

• IP address, browser type, device type and operating system
• Pages viewed, time on page and the site that referred you
• Cookie identifiers and similar tracking data

Information from other sources:

• Identity and fraud screening results from verification partners
• Updates from lenders about whether your request led to a funded loan

Your information is used to process your request, share it with lenders that may make an offer, communicate with you, keep the site secure and improve how the service works.

Specific uses include:

• Matching your request with lenders and partners that may serve your state
• Sending confirmations, offer notices and service messages by email, phone or text
• Verifying identity and preventing fraud and misuse
• Measuring site performance and fixing errors
• Meeting legal, tax and regulatory obligations
• Sending marketing about our service, which you can turn off at any time

We do not use your information to make credit decisions. Lenders make those decisions on their own.

When you submit a request, we share your details with lenders and partners in the third-party network so they can review it and decide whether to make an offer. Some partners may pass your request to other lenders in turn.

We also share information with:

• Service providers that host the site, send email and text messages, and provide analytics, under contracts that limit their use of the data
• Identity verification and fraud prevention services
• Government agencies, courts or regulators when required by law or to protect rights and safety
• A buyer or successor if our business is sold, merged or reorganized

Because lenders and partners pay us when requests are shared or loans are funded, some state laws treat this sharing as a "sale" of personal information. How that compensation works is explained in our advertiser disclosure.

You can stop marketing emails with the unsubscribe link, stop texts by replying STOP, and ask us to stop calls by contacting support. Service messages about a request you submitted may still be sent.

Opting out with us does not opt you out with lenders or partners that already received your request. Contact those companies directly to change your preferences with them. You can also limit unsolicited credit offers from many companies by visiting the official opt-out service run by the national credit bureaus.

We use encryption in transit, access controls, secure hosting and regular security reviews to protect your information. No system is perfectly secure, so we cannot promise that data will never be accessed without permission.

Access to request data is limited to staff and service providers who need it to run the service. If we learn of a security incident that affects your personal information, we will notify you as required by law.

We keep request information for as long as needed to provide the service, meet legal and regulatory requirements, resolve disputes and prevent fraud, and then delete or de-identify it.

In general, request records are kept for up to seven years to meet record-keeping rules, while analytics data is kept for shorter periods. If you ask us to delete your information, we will do so unless the law requires us to keep it.

Our site is meant for adults who are at least 18 years old, and we do not knowingly collect information from children under 13. If we learn that a child's information was submitted, we will delete it promptly.

Parents or guardians who believe a child has submitted information can email [email protected], and we will remove it.

Residents of California, Virginia, Colorado, Connecticut, Utah, Texas, Oregon and several other states have rights under their state privacy laws. These generally include the right to know, access, correct and delete personal information and to opt out of its sale or sharing.

Depending on where you live, you may also be able to:

• Opt out of targeted advertising and certain profiling
• Limit the use of sensitive personal information
• Appeal if we deny your request
• Use an authorized agent to make a request on your behalf

Some financial information is covered by federal law, such as the Gramm-Leach-Bliley Act, and may be exempt from parts of state privacy laws. We will not treat you differently for exercising any of these rights.

To opt out of the sale or sharing of your personal information, email [email protected] with the subject line "Do Not Sell or Share." Include your name and the email address used on your request.

We will confirm your identity by matching the details you send with our records, then act on the request within the time required by your state's law. You can make the same request for access, correction or deletion. More ways to reach us are listed on our contact page.

We may update this policy when our practices or the law change. The updated version will be posted on this page with a new effective date, and significant changes will be highlighted on the site.

Continuing to use the site after an update means the revised policy applies to information collected from that point forward.

Questions about this policy can go to [email protected], (888) 583-5714 on weekdays from 9am to 6pm Central, or by mail to 1077 Summit Drive, Suite 298, Pierre, SD 57501.