Last Updated: November 23, 2024
Crane Finance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website cranefinanceapply.com and use our loan matching services.
1. Information We Collect
Personal Information
When you apply for Crane Finance Loans through our service, we collect the following personal information:
- Identity Information: Full name, date of birth, Social Security number, government-issued ID details
- Contact Information: Email address, phone number, physical address
- Financial Information: Bank account number, routing number, income details, employment information
- Loan Preferences: Requested loan amount, repayment preferences
Automatically Collected Information
We automatically collect certain information when you visit our website:
- IP address and device information
- Browser type and version
- Operating system
- Referring URLs and pages visited
- Date and time of visits
- Cookies and similar tracking technologies
2. How We Use Your Information
We use the information we collect for the following purposes:
Loan Matching Services
- To match your loan application with appropriate lenders in our CraneFinance network
- To distribute your application to licensed lenders who operate in your state
- To facilitate communication between you and potential lenders
- To improve our matching algorithms and service quality
Communication
- To respond to your inquiries and provide customer support
- To send you updates about your application status
- To notify you of changes to our services or policies
- To send promotional communications (with your consent)
Legal and Security
- To comply with legal obligations and regulations
- To prevent fraud and protect against security threats
- To enforce our Terms of Service
- To resolve disputes
3. How We Share Your Information
With Lenders
When you submit an application through Crane Lending services, we share your information with licensed lenders in our network who:
- Operate in your state of residence
- Offer loan products matching your criteria
- Have agreed to our network standards and compliance requirements
These lenders may use your information to evaluate your loan application, verify your identity and income, check your credit, and communicate with you about loan offers.
With Service Providers
We may share information with trusted third-party service providers who assist us in:
- Website hosting and maintenance
- Data analysis and analytics
- Email delivery and communication services
- Fraud prevention and security monitoring
- Payment processing
These service providers are contractually obligated to maintain the confidentiality and security of your information.
Legal Requirements
We may disclose your information if required to do so by law or in response to:
- Court orders or legal processes
- Requests from law enforcement or government agencies
- Protection of our rights, property, or safety
- Protection of the rights, property, or safety of others
Business Transfers
If Crane Finance is involved in a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change.
4. Data Security
We implement industry-standard security measures to protect your information:
- Encryption: All data transmission uses 256-bit SSL encryption
- Secure Storage: Information is stored on secure servers with restricted access
- Access Controls: Only authorized personnel can access personal information
- Regular Audits: We conduct regular security audits and updates
- Monitoring: Continuous monitoring for security threats and breaches
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
5. Your Rights and Choices
Access and Correction
You have the right to access and correct your personal information. Contact us at [email protected] to request access or corrections.
Opt-Out Rights
You may opt out of:
- Marketing Communications: Click unsubscribe in any promotional email or contact us
- Cookie Tracking: Adjust your browser settings to refuse cookies
- Information Sharing: You may request that we stop sharing your information with lenders (though this will prevent us from providing our service)
Do Not Track
Our website does not currently respond to "Do Not Track" signals. You can disable cookies through your browser settings.
State-Specific Rights
Depending on your state of residence, you may have additional rights:
- California Residents: Rights under the California Consumer Privacy Act (CCPA) including the right to know, delete, and opt-out of the sale of personal information
- Nevada Residents: Right to opt-out of the sale of personal information
- Other States: Additional rights may apply based on state privacy laws
Contact us to exercise these rights.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze website traffic and user behavior
- Improve our services and user experience
- Prevent fraud and enhance security
- Deliver relevant advertising
Types of cookies we use:
- Essential Cookies: Required for website operation
- Analytics Cookies: Help us understand how visitors use our site
- Marketing Cookies: Used to deliver relevant ads
You can control cookies through your browser settings, though disabling cookies may affect website functionality.
7. Third-Party Links
Our website may contain links to third-party websites, including lender websites. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party sites you visit.
8. Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete such information.
9. Data Retention
We retain your personal information for as long as necessary to:
- Provide our Crane Finance Loan matching services
- Comply with legal obligations
- Resolve disputes and enforce agreements
- Meet regulatory requirements
Generally, we retain application data for 7 years from the date of submission, unless required by law to retain it longer or permitted to delete it sooner.
10. International Users
Our services are intended for residents of the United States. If you access our website from outside the U.S., please be aware that your information will be transferred to, stored, and processed in the United States, where our servers and database are located.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the updated policy on our website with a new "Last Updated" date
- Sending an email notification to registered users
- Displaying a prominent notice on our website
Continued use of our services after changes indicates acceptance of the updated policy.
12. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Crane Finance
Email: [email protected]
Address: 1234 Financial Plaza, Suite 500, New York, NY 10001
13. GLBA Compliance
As a financial services provider, Crane Finance complies with the Gramm-Leach-Bliley Act (GLBA). We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information as required by GLBA.
14. California Privacy Rights
California residents have specific rights under the California Consumer Privacy Act (CCPA):
Right to Know
You have the right to request disclosure of the personal information we have collected about you in the past 12 months, including:
- Categories and specific pieces of personal information collected
- Categories of sources from which information was collected
- Business purposes for collecting or selling information
- Categories of third parties with whom we share information
Right to Delete
You have the right to request deletion of your personal information, subject to certain exceptions.
Right to Opt-Out
While we do not "sell" personal information in the traditional sense, sharing your application with lenders may be considered a "sale" under CCPA. You have the right to opt out of such sharing, though this will prevent us from providing our loan matching service.
Right to Non-Discrimination
We will not discriminate against you for exercising your CCPA rights.
To exercise these rights, email us at [email protected] with "California Privacy Rights" in the subject line.
15. Consent
By using our website and services, you consent to:
- The collection and use of your information as described in this Privacy Policy
- Sharing your information with lenders in our CraneFinance network
- Electronic communications from us and our lending partners
- Use of cookie