1. Introduction
Welcome to Fund Sparrow ("we", "us", "our"). We respect your privacy and are committed to protecting your personal data when you use our website fundsparrow.com (the "Site") and provide your information to be sent to lenders. This Privacy Policy explains how we collect, use, disclose and safeguard your personal data.
2. Data Controller & Contact Information
We are the data controller for the purposes of this policy.
Name: Fund Sparrow
Email: support@fundsparrow.com
If you have any questions about this policy or your rights, please contact us.
3. What Data We Collect
When you fill in our request form, we collect what you enter:
- About you: first and last name, email address, mobile phone number, the best time to contact you, date of birth, Social Security number, driver's license number, and whether you are active-duty military and a U.S. citizen.
- Your home: home address (street, city, state, ZIP code), how long you have lived there, and whether you rent or own.
- Your loan and income: the loan amount and purpose, your approximate credit range, whether you have declared bankruptcy in the last 7 years, your source of income and monthly income, your employer, job title and work phone, how long you have worked there, how and how often you are paid, and your next pay date.
- Your bank account: bank name, account type, routing number and account number, how long you have had the account, and whether your pay is deposited directly.
Lenders need your Social Security number, date of birth and driver's license to verify who you are, and your bank details to deposit funds if you accept a loan. You choose whether to send the form; nothing you type is sent until you submit it.
We also collect some information automatically: the IP address and the browser and device you use when you submit the form, and the website you submitted it on. We count visits to our pages without cookies and without storing your IP address (see section 8).
4. How We Use Your Data
We use your personal data for the following purposes:
- Sending your request to one or more lenders who may offer you a loan product.
- To contact you (or have a lender contact you) regarding loan offers and related communications.
- To analyze and improve our service and user experience (for example measure conversion, form performance).
- To comply with legal obligations (fraud prevention, record-keeping) as applicable.
5. Sharing Your Data
When you submit the form, your information, including your Social Security number and bank details, is sent securely to one or more lenders, lender networks or other financial service providers so they can consider you for a loan. They pay us for it. We share your Social Security number and bank details only to help you get a loan. We do not sell your data to unrelated third parties for broader marketing.
We also use service providers that help us run the Site: our hosting provider, which stores the data for us, and Google Fonts, which supplies the typefaces the pages are shown in (see section 8). They are bound by confidentiality and security obligations.
6. Data Retention
We will retain your personal data only as long as necessary to fulfil the purposes described (referral, contact, analytics), unless a longer retention period is required or permitted by law. Whenever no longer needed, data will be deleted or anonymized.
7. Data Security
We maintain appropriate technical and organizational safeguards (encryption, secure transfer protocols, restricted access) to protect your data from unauthorized access, alteration, disclosure or destruction. However, no system is completely secure; we cannot guarantee absolute security of data in transit or storage.
8. Cookies and Similar Technologies
We keep this to what the Site needs:
- One cookie: a security cookie that protects the request form from being sent by anyone else on your behalf. Scripts on the page cannot read it, and it ends when you close your browser. Without it, the form cannot be submitted.
- Visit counts without cookies: to count visitors, our server makes a one-way code from your IP address and browser that changes every day. It cannot be turned back into your IP address, and we do not store your IP address for this.
- Google Fonts: the pages load their typefaces from Google, so your browser contacts Google's servers, which receive your IP address and browser information. Google's own privacy policy applies to that.
We do not use advertising, remarketing or analytics cookies, and we do not place third-party tracking on our pages.
9. Your Rights
Depending on your jurisdiction, you might have the right to:
- Access the personal data we hold about you.
- Object to or restrict processing of your data under certain circumstances.
- Withdraw consent (where processing is based on consent).
To exercise any of these rights, please contact us at support@fundsparrow.com. We will respond within a reasonable timeframe.
10. Children's Privacy
Our services are not directed at individuals under the age of 18 (or legal adult age in your jurisdiction). We do not knowingly collect data from minors. If you believe a minor has provided data without parental consent, contact us and we will take steps to delete that information.
11. Changes to This Privacy Policy
We may update this policy from time to time. When we do, we will update the "Last Updated" date at the top. We encourage you to review this policy periodically. Continued use of the Site after changes means you accept the updated policy.
12. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us:
Fund Sparrow
Email: support@fundsparrow.com