Privacy Policy

1.Overview

This Privacy Policy explains how Rise Credit collects, uses, shares, and protects your information when you use risecreditloansapp.com or apply for a loan. By using the Site, you consent to the practices described here.

2.Information We Collect

We may collect information you provide and information collected automatically.

• Identity data: name, date of birth, Social Security number, government ID
• Contact data: address, email, phone number
• Financial data: income, bank account details, employment information
• Technical data: IP address, device, browser, and usage information

3.How We Use Your Information

• To evaluate your application and verify your identity
• To service, manage, and collect on loans
• To comply with legal and regulatory obligations
• To detect and prevent fraud
• To communicate with you about your account and offers

4.How We Share Information

We may share information with service providers, credit bureaus, identity-verification partners, regulators, and as required by law. We do not sell your personal information in a way that requires opt-out under applicable law without providing that choice.

5.Credit Reporting

When you apply, we may obtain your credit report (a soft inquiry to check your rate, and a hard inquiry if you proceed). We may report your account and payment history to one or more credit bureaus.

6.Cookies & Tracking

The Site uses cookies and similar technologies to operate, improve, and secure the Site, and to understand usage. You can control cookies through your browser settings.

7.Data Security

We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8.Your Rights & Choices

Depending on your state, you may have rights to access, correct, delete, or limit the use of your personal information. To exercise these rights, contact us at [email protected].

9.Data Retention

We retain your information for as long as needed to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

10.Children's Privacy

The Site is not directed to individuals under 18, and we do not knowingly collect personal information from children.

11.Changes to This Policy

We may update this Privacy Policy periodically. The “Last updated” date above reflects the most recent revision. Continued use after changes constitutes acceptance.

12.Contact

For privacy questions or requests, contact our support team at [email protected].