Overview
This privacy policy describes how NuvaLoan collects, uses, shares, and protects personal information when you visit nuvaloans.com or submit a loan request through it.
NuvaLoan is a free loan-matching service, not a lender. To connect you with lenders, we must collect and share certain personal and financial information. By using the website, you agree to the practices described in this policy and in our terms of use. This policy applies only to nuvaloans.com; lenders and other companies you are connected with have their own privacy policies.
Information We Collect
We collect information you provide directly, information gathered automatically when you use the site, and information we receive from third parties.
Information you provide
- Identity and contact details: name, date of birth, home address, email address, and phone number.
- Financial details: requested loan amount, loan purpose, income, pay frequency, employment status, and housing status.
- Sensitive identifiers requested by lenders: Social Security number, driver's license or state ID number, and bank account and routing numbers.
- Communications: messages you send us by phone, email, or mail.
Information collected automatically
- Device and connection data: IP address, browser type, operating system, and device identifiers.
- Usage data: pages viewed, the time and date of your visit, and the page that referred you to our site, as recorded in standard server logs.
Information from third parties
- Identity verification and fraud prevention services that confirm the information you submit.
- Consumer reporting agencies, when a lender or partner obtains a credit report with your permission.
- Lenders and lending networks, which may tell us whether your request was matched or a loan was funded.
- Marketing partners who referred you to our website.
How We Use Your Information
We use your information to process your loan request, match it with lenders, communicate with you, prevent fraud, and meet legal obligations.
- Submitting your request to lenders and lending networks that may be able to consider it.
- Verifying your identity and detecting fraudulent or duplicate requests.
- Contacting you about your request, related offers, and the status of a match.
- Sending marketing messages about financial products, where permitted and subject to your choices.
- Operating, securing, and improving the website.
- Responding to your questions and privacy requests.
- Complying with laws, regulations, court orders, and lawful requests from authorities.
Consent to Be Contacted
By submitting a request and agreeing to the consent language on the form, you allow NuvaLoan and matched lenders to contact you by phone, text message, and email, including through automated means.
Your consent is not a condition of obtaining a loan or any other product. Message and data rates may apply to text messages. You can withdraw consent at any time by replying STOP to a text message, using the unsubscribe link in an email, or contacting us directly. Withdrawing consent from NuvaLoan does not stop lenders from contacting you; you must opt out with each lender separately.
Data Retention
We keep personal information only as long as needed to process your request, meet legal and regulatory obligations, resolve disputes, and prevent fraud.
Retention periods depend on the type of information and the laws that apply. When information is no longer needed, we delete it or de-identify it so it can no longer reasonably be linked to you. Information already shared with lenders is kept under their retention policies.
Security Measures
We protect personal information with administrative, technical, and physical safeguards, including encryption of data in transit.
- Encrypted connections (HTTPS/TLS) for all pages and form submissions.
- Access limited to staff and service providers who need information to do their jobs.
- Security reviews of our systems and vendors.
No method of transmission or storage is completely secure, so we cannot promise absolute security. Please protect your own devices and never share passwords or one-time security codes with anyone claiming to represent us.
Your Choices
You can opt out of marketing, ask to see the information we hold about you, and request that we delete it, subject to legal exceptions.
- Marketing email: use the unsubscribe link in any marketing email.
- Text messages: reply STOP to any text message.
- Phone calls: ask to be placed on our internal do-not-call list.
- Access and deletion: contact us by phone or email; we will verify your identity before acting on the request.
We may keep some information when the law requires it or when it is needed to prevent fraud or complete a transaction you requested.
California and Other State Privacy Rights
Residents of California and several other states have additional rights to know, access, correct, and delete personal information, and to opt out of certain sharing.
Depending on where you live, these rights may include:
- the right to know the categories and specific pieces of personal information we collected, the sources, and the purposes;
- the right to request deletion or correction of your personal information;
- the right to opt out of the sale of personal information or its sharing for cross-context behavioral advertising;
- the right to limit the use of sensitive personal information;
- the right not to be treated differently for exercising these rights.
Some information collected in connection with financial products is governed by federal law, such as the Gramm-Leach-Bliley Act, and may be exempt from certain state requirements. To make a request, contact us using the details below. You may use an authorized agent, and we will verify both your identity and the agent's authority. If we deny a request, you may appeal by replying to our decision.
Children's Privacy
NuvaLoan is not directed to anyone under 18, and we do not knowingly collect personal information from children.
If we learn that we have collected information from a person under 18, we will delete it. If you believe a minor has submitted information, please contact us.
Do-Not-Track Signals
Because our website does not use cross-site tracking scripts, it does not change its behavior in response to browser do-not-track signals.
Where state law requires us to honor a universal opt-out preference signal, such as Global Privacy Control, we will treat it as a request to opt out of the sale or sharing of personal information from that browser.
Changes to This Policy
We may update this privacy policy from time to time, and when we do, the effective date at the top of this page will change.
If we make material changes, we will post a notice on the website before the change takes effect. Your continued use of the site after an update means you accept the revised policy.
Contact Us About Privacy
For privacy questions or requests, contact NuvaLoan by phone, email, or mail.
- Mail: NuvaLoan, 8805 Ashbury Commons Blvd, Suite 285, Omaha, NE 68102
- Phone: (888) 303-9949
- Email: [email protected]
Support hours and other ways to reach us are listed on our contact page.
