CreFin Privacy Policy

Last Revised: 07/May/2025

Introduction

Welcome to CreFin's Privacy Policy. CreFin, hereinafter referred to as "we," "our," or "us," is committed to protecting your privacy and the security of your personal information. This Privacy Policy outlines how we collect, use, share, and protect your information when you use our platform, CreFin (the “Platform”).

Information We Collect

We gather various types of information from and about you to provide our services effectively. The information we collect includes:

Contact Information: This encompasses details like your name, mailing address, phone number, email address, and mobile phone number.
Information You Submit: When you send us messages through the “Contact Us” page or initiate a loan offer process, we collect the data you provide.
Financial Information: We collect information about your assets, refinancing applications or history, and income.
Closing Information: If you upload closing documents via the Platform, we collect the information within those documents, such as real estate owned schedules, tax returns, and government IDs.
Professional Information: This category includes your job title, company, and employment history.
Commercial Information: We may gather personal information related to your interests or past interactions with our services, as well as consumption history or tendencies.
Account Information: Certain areas of the Platform allow you to create a user account, and we may collect your username and password in connection with that account.
Device Information: We may collect data about the device you use to access our Platform, including device type, identifier, IP address, and mobile operating system.
Other Information: When you use our website, we may collect information about your browser, the site you arrived from, and the site you visit upon leaving.

How We Collect Your Information

We collect your information through various means, including:

Directly From You: For instance, when you register for an account, submit inquiries, or provide closing documentation.
Passively: When you visit and navigate our Platform on any device. We may also collect data about your activities across different websites and devices when you use our Platform.
From Third Parties: We may receive information from other sources, including our business partners, analytics vendors, brokers, insurance companies, or asset managers on behalf of their clients.
By Combining Information: We may merge offline-collected data with information obtained through our Platform and combine data from different devices you use to access our Platform.

How We Use Your Information

We utilize your information for various purposes, such as:

Running and Improving Our Platform and Business: To enhance the quality and performance of our Platform and provide information about our business.
Providing Our Services: Facilitating services, including collecting and delivering loan offers.
Responding to Your Requests or Questions: Including addressing your feedback.
Communication: We may contact you regarding your account, our relationship, this Policy, or our Platform's terms and conditions.
Marketing Purposes: Providing information about our company and business initiatives. You can manage your communication preferences; refer to the "Choices" section below.
Security: Protecting our company, consumers, and the Platform, including investigating potential fraud.
As Otherwise Permitted By Law or As We May Notify You: In accordance with applicable laws and regulations.
As Requested or Directed By You: In compliance with your explicit instructions.

How We Share Your Information

We may share your information as follows:

Internally: With our parent, subsidiary, and affiliate entities.
With Our Service Providers: Third parties who perform services on our behalf, such as email service providers or Platform maintenance.
With Our Business Partners: Entities providing or brokering loan offers, social media sites, advertisers, media buying agencies, and analytics providers to improve our understanding of our customers.
Successors to All or Part of Our Business: In the event of a merger, acquisition, or sale of our business or assets.
To Comply With the Law or To Protect Ourselves: Responding to court orders, subpoenas, government requests, or investigating potential fraud.
For Other Reasons We May Describe to You: In line with specific circumstances.
As Requested or Directed By You: In accordance with your explicit instructions.

Children Under 13

The Platform covered by this Policy is intended for adults. We do not knowingly collect personally identifiable data from individuals under the age of 13 and strive to comply with COPPA (The Children's Online Privacy Protection Act). If you believe your child under 13 has provided us with information, please contact us at legal@crefin.io or write to us at the address provided at the end of this Policy, marking your inquiries as “COPPA Information Request.”

Choices Regarding Your Information

Marketing Communications:

You can opt out of receiving marketing communications from us. However, you will continue to receive transactional messages related to your account and inquiries.

Cookies & Other Tracking Technologies:

Cookies: You can adjust your browser settings to control, reject, or delete cookies. Specific instructions depend on your browser and the type of cookie. Visit [link] for browser-specific guidance.
Flash Cookies: Managing flash cookies may require additional steps.
Google Analytics: To opt out of Google Analytics, click here click here
Facebook: Learn how to opt out of targeted advertisements from Facebook click here
Email Tools: You can change your email settings to block the automatic download of images in email messages.

Please note that blocking or deleting cookies may affect your experience on our website, potentially disabling certain features. Your choices may be specific to your browser and device.

Our Do Not Track Policy::

We do not currently respond to "do not track" signals from browsers. Blocking cookies may not prevent all tracking described here.

Security

The Internet is not entirely secure, and while we employ reasonable measures to protect personal information, we cannot guarantee complete safety. Users must safeguard their username and password, which are required for accessing certain areas of our Platform.

Storage of Information

Links

Our Platform may contain links to third-party sites not governed by this Policy. Clicking on such links will take you to sites we do not control, and we are not responsible for the privacy practices of those sites. We recommend reading the privacy policies of third-party sites carefully.

How to Contact Us

If you have questions, comments, concerns, or wish to update your information or contact us regarding our privacy practices or this Policy, please feel free to reach out to us at info@crefin.io

Changes in Policy

From time to time, we may revise this Policy. We will notify you of any material changes as required by law and post an updated version on our Platform. We encourage you to periodically check our Platform for updates.