This Privacy Policy outlines our views and practices concerning privacy, and how they pertain to you as a user of our system.
"You" or "Your" refers to you, a participant in or user of the ReliableLoanNow.com program. "We" or "Our" or "Us" refers to ReliableLoanNow.com. "Our Website" also means ReliableLoanNow.com.
All information transmitted, printed, or otherwise submitted to ReliableLoanNow.com through this Website remains your property; however, ReliableLoanNow.com is free to use that information for any lawful purpose as detailed below.
This Website contains links to other websites. ReliableLoanNow.com is not responsible for the privacy practices or the content of such sites.

Collected Information
ReliableLoanNow.com automatically collects and/or tracks the following information:

1. Information knowingly provided by you through online forms, registration forms, surveys, and other entries, such as your name, street address, email address, telephone numbers (home, work, and mobile), date of birth, information relating to monthly income, employment information, and other personal, financial, or demographic information (collectively, “Sensitive Information”).
2. Web page http headers (home server domain names, IP address, type of client computer, type of web browser, and operating system).
3. Information (user-specific or aggregate) concerning the pages our visitors access and referring URLs.
4. The email addresses of visitors who communicate with ReliableLoanNow.com via email.

Submitting information to us is voluntary. However, if you wish to receive information on a loan-related product from one of our network of third-party lenders ("Loan Providers") and other financial providers, you must submit the required information, even if you do not enter into a formal application with any Loan Provider.

Use of Data Collected
We use the information we collect to enhance your experience on our Website and to offer content we determine may be of interest to you. We may also use your personal, demographic, and profile data to improve our Website, conduct statistical analysis, and for marketing, promotional, editorial, or feedback purposes. Information collected by us may be added to our databases and used for future emails or postal mailings of products and services. Therefore, by applying and opting in, you agree to having your personal information shared with third parties for email marketing purposes.

Disclosure of Data to Third Parties
Any and all Sensitive Information that we collect from you, as part of your loan request, will be used to determine where we route your request with the intent of connecting you with a Loan Provider. By submitting an application for credit, you acknowledge that you understand and agree to this Privacy Policy and authorize the Loan Providers we work with to use your information to obtain other information about you from third parties when the information was incompletely or improperly filled out on our registration form, or where additional information is needed to evaluate an application. Third parties include, but are not limited to, consumer reporting agencies, consumer credit bureaus, and other outside parties, as permitted or required by applicable laws.

Your Credit
All of the lenders we work with can offer free rate quotes with no impact on your credit. Some Loan Providers can issue pre-approval quotes without performing any credit check, while others can issue pre-approvals and approvals via a soft credit check (no impact on your FICO credit score or rating). Some Loan Providers may need to collect additional information from you, including your SSN, for the purpose of doing a soft credit inquiry to determine whether to extend potential offers to you. There is no impact on your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved by a Loan Provider we connected you with, we will hand you off to that lender for the purpose of finalizing your loan with them. During this process, some Loan Providers may need to perform a hard credit inquiry. For more information on the difference between hard and soft credit inquiries and how they may affect your credit score, please visit: Experian Blog.
When submitting an application for a loan request that requires a credit check for funding, you provide written consent under the Fair Credit Reporting Act for ReliableLoanNow.com and its Loan Providers to obtain consumer report information from your credit profile or other information from our contracted Credit Bureau. You understand and agree that you are submitting an application for credit and are consenting to the use of your consumer report information by ReliableLoanNow.com and its Loan Providers to conduct anti-fraud security checks and evaluate your application for credit. Upon qualification, your ultimate loan-specific financial information will be stored and utilized by your applicable lender in accordance with the terms of that lender's Privacy Policy. Therefore, it is important that you thoroughly review that lender's Privacy Policy before executing any loan documents.

Information Sharing
ReliableLoanNow.com reserves the right to release current or past user information under the following conditions:

1. ReliableLoanNow.com believes that the service and/or Website is being or has been used in violation of the Website’s Terms and Conditions or to commit unlawful acts,
2. As required by law or legal process, or
3. In connection with a business transfer, in which case the acquiring business would continue to be bound by this Privacy Policy.

By agreeing to these conditions, you consent to the disclosure of any record or communication to any third party when ReliableLoanNow.com, in its sole discretion, determines the disclosure to be appropriate or necessary, including sharing your email address with third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003 and Federal Trade Commission enabling regulations.

Information Collection Processes
ReliableLoanNow.com may employ "cookies" to help customize your access to the Website. A cookie is a piece of data stored on your hard drive containing information about you. Cookies enhance your experience at our Website by saving time, such as by keeping you logged in during a single session. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. Even if you reject a cookie, you may still use our Website, although some areas may be limited in access.

Electronic Disclosure
By submitting your information to ReliableLoanNow.com via the Internet, you agree to receive certain notifications, disclosures, and/or documents electronically. This Electronic Disclosure and Consent Agreement applies to the information you are providing on this Site and any other communications we may provide to you. By submitting your information, you agree to receive all such notifications, disclosures, and/or documents in electronic form or online in accordance with this document.

Your Opt-Out Rights
You may opt-out of receiving communications from us and our third-party partners by not submitting your information. During registration and/or when you submit personally identifiable information to us at the Website, you have opted-in to request that we share your personal information (excluding Sensitive Information) with third parties for the purpose of funding your loan request. If contacted by any of these companies, notify them directly of your choices regarding their use and sharing of your information. ReliableLoanNow.com may prepare and use separate email lists for different purposes. To opt-out from receiving additional email communications regarding the Website, please send your request in writing via email to support@reliableloannow.com.

Third Party Sites
In certain circumstances, ReliableLoanNow.com acts as a limited agent for the actual third-party lender or seller of the products and/or services available at or through the Website. In these circumstances:

1. You will be redirected to the applicable third-party lender’s or seller’s website after completing the application page.
2. We will collect and send your personal information to the respective third-party lender or seller in connection with completing your application or purchase.
3. Your application or purchase will subject you to the third-party lender’s or seller’s privacy policy.

Review all Privacy Policies of any third-party offers you sign up for. We do not endorse and are not responsible for the accuracy of the privacy policies and/or terms and conditions of third-party lenders or sellers that may advertise on the Website.

Links
ReliableLoanNow.com contains links to other sites belonging to third parties. We are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each website that collects personally identifiable information. This privacy statement applies solely to information collected by ReliableLoanNow.com, even in cases where we may frame another site with our own. From time to time, we may co-brand certain services with third-party vendors and affiliates. It will be clear at the point of collection who is collecting such information and whose privacy statement governs.

Warning: Advance Fee Loan Scams
It is a scam if a lender asks you to pay money upfront or put money on a prepaid debit card (such as GreenDot or Vanilla Visa) as insurance for a loan. None of our Loan Providers will require you to provide money in any form before receiving your loan. Be aware of other sites on the Internet working with these fraudsters. Click here to learn more about advance fee loan scams and how to spot them.

Your Rights to Your Personal Data
Upon receiving your request via postal mail or email, we will provide you with a summary of personal information retained by us. We will only send your personal records to the email address or postal address we have on file for you. To modify, correct, change, update, or remove your personal record from our database, click here or send your request via email to: support@reliableloannow.com.

Special Notice to California Residents
We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at support@reliableloannow.com. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the preceding calendar year, along with the names and addresses of the third parties.

Shine the Light Disclosure: Civil Code Section 1798.83 permits California residents who use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at info@reliableloannow.com.
Do Not Track Disclosures: Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, ReliableLoanNow.com does not respond to do-not-track browser settings or signals.

Visitors Outside the United States
This Privacy Policy is intended to cover the collection of information on our Website from residents of the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By visiting our Site or using our services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your country of residence.

Our Commitment to Children's Privacy
Protecting the privacy of children is especially important. For this reason, we never collect or maintain personal information on our website from those we know are under the age of 18. If such information is inadvertently collected, it will not be used for any marketing or promotional purposes and will be immediately deleted from our database. The information and services provided by us or our affiliates, sponsors, and advertisers are not intended to be viewed by persons under 18 years old.

Our Right to Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, Privacy Policy, or any other policies or agreements relevant to you.

Security
All information collected is stored in a technically and physically secure environment. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. While we strive to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited and not accessible to the public. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all user information. Employees who do not adhere to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event of an information security breach with respect to your personal information. You will be notified via email in the event of such a breach. Please be advised that notice may be delayed to address the needs of law enforcement, determine the scope of network damage, and engage in remedial measures.

Our Right to Change
We reserve the right to change this policy at any time. If changes are made, we will notify you of the existence and location of the new or revised privacy policy or by posting the changes online at our Website. All changes will take effect immediately upon their posting on our Website. Please check this page periodically for changes. Your continued use of the ReliableLoanNow.com service, Website, or acceptance of our emails following the posting of changes to this Policy will mean that you accept any and all such changes and agree to continue receiving marketing from us and other third-party companies.

Our Contact Information
If you have any questions about this Privacy Policy, the practices of this Website, or your dealings with this Website, you can contact us via email at support@reliableloannow.com.

Updated June 2024

Information for ISPs

Website: ReliableLoanNow.com
Company Name: ReliableLoanNow.com
Email Address: support@reliableloannow.com

ReliableLoanNow.com understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies.
ReliableLoanNow.com and its affiliated sites use only an "opt-in or opt-out" method of obtaining customer information, and it is not our policy to send unsolicited email.
ReliableLoanNow.com email messages sent include the following information about the origin of the emails and instructions on how recipients can unsubscribe from receiving future email messages:
This email is not sent unsolicited. This is a ReliableLoanNow.com emailing. Offers are sent to subscribers ONLY.
The email address you subscribed with is:
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