Privacy Policy | Enable Loans

enableloans.org (“we,” “our,” “us”) provides this Privacy Policy to describe how we collect, use, disclose, and protect Personal Information when you visit our website or use our loan matching services.

We encourage you to read this Privacy Policy carefully to understand how your information is handled and to help you make informed financial decisions.

We may revise this Privacy Policy from time to time to reflect changes to our business, services, or applicable state and federal laws. When modifications occur, the updated policy will be made available directly on this page.

HOW THIS POLICY APPLIES

This Policy has two parts so you can clearly understand which rules apply to specific data uses:

Part A — Financial Privacy Notice (“Financial Track”)

Applies to nonpublic personal information collected in relation to your loan offer request, and to any credit information we obtain with your written instructions (such as a soft credit inquiry) to evaluate you for financial solutions.

Part B — State Privacy Laws (“State Track”)

Applies to information processed on this site related to site telemetry, device analytics, or general website browsing interactions.

If information you submit relates to a financial-product request, our Financial Privacy rules apply even if the same identifiers also appear in other browsing contexts.

PART A — FINANCIAL PRIVACY NOTICE

FACTS	WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you request from us. This information can include: Identifiers and contact information: Name, email address, phone numbers, postal address. Application/request information: Date of birth, military status, employment status, employer name, time at job, income amount, frequency of pay, requested loan amount, housing status (own or rent). Sensitive identifiers: Social Security Number (SSN); driver’s license number and issuing state. Financial account information: Bank name, ABA routing number, account number, account duration, and direct deposit status. Transaction and experience information: Request submission timestamps, customer support communication records. Credit information: Credit score range and records obtained via authorized soft inquiries. Technical and security data: IP address, browser type, operating system, and security tokens utilized strictly for fraud prevention.
How?	All financial companies need to share customers’ personal information to run their everyday business. In the table below, we list the reasons financial companies can share their customers’ personal information, whether enableloans.org chooses to share, and whether you can limit this sharing.

FACTS

WHAT DO WE DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you request from us. This information can include:

Identifiers and contact information: Name, email address, phone numbers, postal address.
Application/request information: Date of birth, military status, employment status, employer name, time at job, income amount, frequency of pay, requested loan amount, housing status (own or rent).
Sensitive identifiers: Social Security Number (SSN); driver’s license number and issuing state.
Financial account information: Bank name, ABA routing number, account number, account duration, and direct deposit status.
Transaction and experience information: Request submission timestamps, customer support communication records.
Credit information: Credit score range and records obtained via authorized soft inquiries.
Technical and security data: IP address, browser type, operating system, and security tokens utilized strictly for fraud prevention.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the table below, we list the reasons financial companies can share their customers’ personal information, whether enableloans.org chooses to share, and whether you can limit this sharing.

Sharing Your Personal Information

Reasons we can share your personal information	Do we share?	Can you limit this sharing?
For our everyday business purposes: to process your request, verify identity, prevent fraud, evaluate eligibility, and route/transmit your information (including via a lender “ping” process) to participating Lenders/Networks or third-party service providers at your direction.	Yes	No
For our everyday business purposes: information about your creditworthiness (e.g., enabling an authorized soft inquiry pursuant to your written instructions; Lenders obtain formal credit reports directly from CRAs).	Yes	No
For our marketing purposes: to market our own websites and services to you (e.g., to invite you back to complete your request).	Yes	No (TCPA & CAN-SPAM apply)
For joint marketing with other financial companies	No	We don't share
For our affiliates’ everyday business purposes: information about transactions and experiences	No	We don't share
For our affiliates’ everyday business purposes: information about your creditworthiness	No	We don't share
For our affiliates to market to you	No	We don't share
For nonaffiliates to market to you	Yes	Yes (Consent/direction exception applies)*

*Clarification about exception: When Lenders/Networks contact you about the credit you asked us to match you for, that disclosure occurs to effect, administer, or enforce your requested transaction and/or at your direction. It is not a “nonaffiliate marketing” share. Non-selected recipients in the automated ping process are contractually prohibited from contacting you and must not retain your information.

Who is providing this notice?

This privacy notice is provided on behalf of enableloans.org.

How does enableloans.org protect my personal information?

To protect your personal information from unauthorized access and use, we maintain physical, electronic, and procedural safeguards that comply with federal standards. These measures include computer safeguards, secured files, and 256-bit Secure Socket Layer (SSL) encryption for all transmitted nonpublic personal information. Access to your information is restricted solely to authorized personnel and trusted technical systems operating under strict non-disclosure obligations.

How does enableloans.org collect my personal information?

We collect your personal information directly when you:

Submit an online loan request form through our website.
Provide contact, income, employment, or banking details.
Authorize a credit evaluation or communicate with customer care.

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies. enableloans.org does not share information with corporate affiliates for marketing purposes.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies, such as participating lending institutions, loan aggregators, and marketing vendors.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not engage in joint marketing agreements.

PART B — STATE PRIVACY LAWS (STATE TRACK)

Residents of certain US states—including California (under the CCPA/CPRA), Colorado, Connecticut, Utah, Virginia, Texas, and Oregon—possess specific privacy rights regarding their personal information.

Your Consumer Rights

Right to Know / Access: You have the right to request what categories and specific pieces of personal information we have collected about you, the categories of sources, and the commercial purposes for collection.
Right to Delete: You have the right to request deletion of personal information collected from you, subject to legal and regulatory exceptions (such as compliance with federal financial recordkeeping laws).
Right to Correct: You have the right to request correction of inaccurate personal information we maintain.
Right to Opt-Out of Sale / Sharing: You have the right to direct us not to sell or share your personal data for cross-context behavioral advertising.
Right to Non-Discrimination: We will never discriminate against you for exercising any of your state statutory privacy rights.

Children’s Privacy

Our website and matching services are strictly designed for adults aged 18 and older. We do not knowingly collect, solicit, or maintain personal information from individuals under the age of 18.

How to Exercise Your Privacy Rights

To submit a verifiable consumer request to exercise your rights under applicable state privacy legislation, please contact our privacy compliance team by emailing: [email protected] with the subject line “State Privacy Rights Request”. Please provide sufficient detail to allow us to verify your identity and match our records.