Privacy Policy — EconoCents

EconoCents is a trade name of Venero Ventures LLC, a Texas limited liability company (“EconoCents”, “we”, “us”). We operate a loan-matching service. We are not a lender. When you submit a loan request through our form, we transfer the information you provide to the lending networks you select, and those networks and their participating lenders pay us for it. This policy explains, in plain language, what we collect, who receives it, and the choices you have.

Information we collect

When you complete a loan request form we collect:

Identity and contact details — name, email address, telephone number, state, and ZIP code.
Loan request details — requested amount, loan purpose, monthly income, employment status, and your self-reported credit range.
Technical and consent records — your IP address, browser user agent, the page you submitted from, the consent boxes you ticked, the exact consent wording and version you saw, and timestamps. Where present, we also store independent consent-verification certificates (such as TrustedForm or Jornaya identifiers).

When you browse the site we collect standard technical data such as pages visited and anonymised analytics. We do not knowingly collect information from anyone under 18, and the service is intended for US residents only.

How we use your information

To transmit your loan request to the lending networks you selected, so their participating lenders can decide whether to make you an offer.
To verify the information you submit (for example, checking that an email address or telephone number is real, or screening for fraud) using third-party verification services.
To keep records of your consent, which protects both you and us.
To operate, secure, and improve the site.

Who receives your information — and that we are paid for it

We sell the information in your loan request. Specifically:

Lending networks and their participating lenders. We transfer your loan request only to the networks you tick on the consent step. Those networks distribute it to participating lenders, and we cannot control which individual lenders receive it. The networks and lenders pay us for this information. You may be contacted by companies you have not heard of.
Verification and fraud-prevention providers. We may share limited data (such as your email address, telephone number, or IP address) with services that validate it or screen for fraud.
Service providers that host our infrastructure and process data on our instructions.
Legal requirements. We will disclose information where required by law, court order, or to protect against fraud or abuse.

We do not transfer your loan request to anyone other than the recipients above. We do not sell your information to debt-relief, credit-repair, or other non-lending marketers.

Your privacy rights

You may request a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it (subject to records we are legally required to keep, such as consent records) by using the details on our Contact page.

Because transferring loan requests to lending networks is a sale of personal information, you have the right to opt out. To opt out, do not submit the loan request form, or contact us via our Contact page and we will exclude your details from any future transfer. We honour the Global Privacy Control (GPC) browser signal for site analytics. California residents have additional rights under the CCPA/CPRA, including the rights to know, delete, correct, and opt out of sale or sharing, and the right not to be discriminated against for exercising them.

If you gave a lending network consent to contact you, you may revoke that consent at any time by any reasonable method — including replying STOP to any text message, or contacting us — and revocations are honoured within ten business days. Revoking consent does not affect loan requests already transferred, but we will not transfer your information again afterwards.

Security

Data is encrypted in transit (TLS) and sensitive fields are encrypted at rest. Access to consumer data is restricted, and we maintain an information-security program appropriate to the sensitivity of the data we handle.

Retention

We keep loan request and consent records for as long as needed to operate the service and to meet legal, audit, and dispute-resolution obligations, then delete or anonymise them.

Changes to this policy

We will post any changes on this page and update the date above. Material changes will be highlighted on the site.

Contact

Questions or requests under this policy: see our Contact page.