This policy takes effect on the date it is posted here. This Privacy Policy explains how Rise Credits Loan ("we," "us" or "our") collects, uses, shares and protects information when you visit our website or submit a loan request. By using our site, you agree to the practices described here. Anyone who disagrees with this policy should stop using the site.

Information We Collect

We collect information you give us directly, information collected automatically when you use the site, and information we receive from others.

Information you provide

  • Identity and contact details: name, home address, email address, phone number and date of birth.
  • Loan request details: desired loan amount and purpose.
  • Financial details: employment status, employer, income, pay frequency, housing status and, where requested, bank account information.
  • Identity verification details such as all or part of your Social Security number or a driver's license number, where a lender needs them.
  • Anything you include when you email, call or write to us.

Information collected automatically

  • Device and browser type, IP address, approximate location derived from your IP address and operating system.
  • Pages you view, links you click, referring pages and the date and time of your visit.
  • Information gathered through cookies, pixels and similar technologies, described below.

Information from others

We may receive information from lenders and lending partners about whether a request was reviewed, an offer was made or a loan was funded. We may also use identity verification and fraud prevention services to confirm that the information submitted is accurate.

How We Use Information

  • To process your request and pass it to lenders and lending partners who may make you an offer.
  • To verify your identity and help prevent fraud.
  • To contact you about your request and, with your consent, about other financial products.
  • To respond to your questions and support requests.
  • To operate, maintain, analyze and improve our site and services.
  • To comply with legal obligations, enforce our Terms of Use and protect our rights and the rights of others.

How We Share Information

Sharing your information with lenders is the core of our service. When you submit a request, you authorize us to share it with:

  • Lenders and lending partners in our network that serve your state, so they can review your request. Some partners may in turn pass your request to lenders in their own networks.
  • Service providers that help us run the site, such as hosting, email delivery, analytics, identity verification and customer support vendors, who may use information only to provide services to us.
  • Legal and safety recipients when required by law, subpoena or court order, or when we believe disclosure is needed to prevent fraud or protect rights and safety.
  • Successors in connection with a merger, acquisition or sale of all or part of our business.

Once a lender receives your information, its own privacy policy governs how it uses that information. Please read each lender's privacy policy before accepting an offer. Our Advertiser & Lending Disclosure explains how we are compensated by these partners.

By submitting a request, you agree that we, lenders and lending partners may contact you about your request at the phone number and email address you provide, including by calls, text messages and emails. Where permitted by law and with your consent, these may include automated or prerecorded calls and texts. Consent to marketing messages is not a condition of obtaining a loan. Message and data rates may apply, and message frequency varies.

You can opt out at any time. Reply STOP to any text message from us, use the unsubscribe link in any marketing email, or call (888) 623-4231. Opting out with us does not stop messages from lenders you have already been matched with; contact those lenders directly.

Cookies and Similar Technologies

We use cookies, pixels and similar tools to remember your preferences, keep forms working, measure site traffic and understand which pages are useful. Some of these tools are provided by analytics and advertising partners, who may collect information about your activity over time and across websites.

You can set your browser to block or delete cookies, though some site features may not work properly without them. Your browser may also offer a "Do Not Track" setting; because there is no common standard for responding to it, our site does not currently change its behavior in response to that signal.

Security

We use reasonable administrative, technical and physical safeguards designed to protect your information, including encrypted connections on pages where you submit personal details and access limits for our staff. No method of transmission or storage is completely secure, and we cannot promise absolute security. Please never send your full Social Security number or bank account number to us by email.

Data Retention

We keep information for as long as needed to provide our services, meet legal, tax, accounting and regulatory requirements, resolve disputes and enforce our agreements. When information is no longer needed, we delete or de-identify it in line with our retention schedule.

Your Choices and Privacy Rights

You may ask us to update the contact information you submitted or to stop sending you marketing messages at any time. Depending on the state where you live, you may also have rights to:

  • Know what personal information we have collected about you and how we use and share it.
  • Request a copy of your personal information.
  • Request correction of inaccurate personal information.
  • Request deletion of your personal information, subject to legal exceptions.
  • Opt out of the sale of personal information, the sharing of it for targeted advertising, or certain profiling.
  • Appeal our decision on a privacy request.

Some information we hold may be covered by federal financial privacy laws rather than state privacy laws. To make a request, email [email protected] or call (888) 623-4231. We will verify your identity before responding, and you may use an authorized agent where state law allows. We will not discriminate against you for exercising your privacy rights.

Children's Privacy

Our site is intended for adults and is not directed to children under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has submitted information to us, contact us and we will delete it.

When you are redirected to a lender's website, that site is governed by the lender's own terms and privacy policy, not this one. We are not responsible for the privacy practices of lenders or other third parties.

Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will post the revised version on this page and update the effective date notice at the top. Your continued use of the site after changes are posted means you accept the updated policy.

Contact Us

If you have questions about this Privacy Policy or want to exercise a privacy right, contact us:

  • Email: [email protected]
  • Phone: (888) 623-4231, Monday–Friday, 8 a.m.–8 p.m. Central
  • Mail: Privacy, 7725 Chestnut Avenue, Suite 735, Des Moines, IA 50309

You can also visit our contact page for more ways to reach our team.