Privacy Policy

Summary Notice: Arrowhead Advance is an online loan matching and financial resource platform, not a direct lender or bank. This Privacy Policy details the types of information we collect, how we protect it, how it is used to connect you with participating lenders, and your individual privacy rights under federal and state regulations.

1. Introduction & Scope of Policy

This Privacy Policy applies to the website arrowheadnadvance.com, all associated subpages, online forms, interactive loan estimation calculators, and communication channels operated by Arrowhead Advance ("we," "us," or "our").

By accessing our website, using our loan estimation calculators, or submitting an online loan request, you acknowledge that you have read, understood, and consented to the data practices described in this Privacy Policy. If you do not agree with any part of this policy, please refrain from using our services.

2. Categories of Information We Collect

To provide loan connection services, verify eligibility criteria, and facilitate inquiries with participating lenders, we may collect the following categories of information:

• Personal Identifiers: Full legal name, residential mailing address, telephone numbers, email address, date of birth, and driver’s license or state identification details.
• Employment & Income Information: Employment status, employer name, job title, length of employment, monthly or annual income, pay frequency, and income source (e.g., employment, benefits, self-employment).
• Loan & Financial Parameters: Requested loan amount, estimated credit rating range, intended loan purpose, and banking details (such as account and routing numbers when necessary for lender direct-deposit funding).
• Government Identification: Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) when required by participating lending partners to verify identity and conduct credit underwriting.
• Technical & Device Data: Internet Protocol (IP) address, browser type and version, operating system, device identifiers, referring URLs, access timestamps, and pages navigated on our platform.

3. How We Collect Your Information

We collect information through three primary channels:

• Direct Consumer Submission: When you fill out our online loan request form, enter figures into our interactive loan calculator, or contact customer support via email or web form.
• Automated Tracking Technologies: Through cookies, web beacons, log files, and analytics scripts that record navigation patterns and device properties during your visit.
• Third-Party Verification Sources: From consumer reporting agencies, identity verification providers, and fraud-prevention networks to ensure request authenticity and compliance.

4. How We Use Your Information

We process and utilize collected information for the following legitimate business purposes:

• Loan Matching & Connection: To evaluate your request against participating lender criteria and match your submission with prospective credit providers.
• Customer Communication: To send confirmations, administrative notifications, status updates, and responses to support inquiries.
• Fraud Prevention & Security: To authenticate user identity, prevent fraudulent loan requests, mitigate unauthorized access, and ensure network security.
• Service Optimization: To monitor website functionality, evaluate user experience, troubleshoot technical issues, and refine loan estimation algorithms.
• Legal & Regulatory Compliance: To comply with federal, state, and local lending disclosure laws, record-retention requirements, and legal process mandates.

5. Information Sharing and Disclosure

Because Arrowhead Advance is a loan connection and referral platform, sharing certain information is essential to fulfill your request. We may disclose your information under the following circumstances:

• Participating Lenders & Lending Networks: When you submit a request, your information is securely transmitted to lenders and financial service partners who evaluate your eligibility to extend credit.
• Authorized Service Providers: Trusted third-party vendors who provide website hosting, data security, database management, communications routing, and technical support under strict confidentiality agreements.
• Legal and Law Enforcement Authorities: When required by court order, subpoena, law enforcement inquiry, or applicable legal obligation to protect our rights, safety, and property.
• Corporate Reorganization: In the event of a merger, acquisition, asset transfer, or bankruptcy, user data may be transferred as an essential business asset.

We do not sell, rent, or trade your personal financial data to unrelated third parties for third-party promotional marketing without your explicit consent.

6. Gramm-Leach-Bliley Act (GLBA) Financial Privacy

Under the federal Gramm-Leach-Bliley Act (GLBA) and the Federal Trade Commission’s Standards for Safeguarding Customer Information, we are committed to safeguarding Nonpublic Personal Information (NPI).

We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect nonpublic personal information about our consumers from unauthorized access, alteration, disclosure, or destruction.

7. Cookies, Web Analytics & Tracking Technologies

Our website uses cookies, web beacons, and analytics tools (such as StatCounter and server log metrics) to maintain user sessions, analyze traffic patterns, and measure page performance.

• Essential Cookies: Required for secure navigation, session integrity, and form operation.
• Performance & Analytics Cookies: Measure aggregate site traffic, popular content, and browser compatibility.
• Managing Cookies: You can manage or block cookies through your browser settings. Disabling cookies may affect certain interactive features of our website.

8. Data Security and Technical Safeguards

We implement comprehensive technical and administrative security controls to safeguard your personal data:

• 256-Bit SSL/TLS Encryption: All sensitive data submitted via our web forms is transmitted using high-grade SSL/TLS encryption.
• Restricted Access Controls: Access to personal records is restricted to authorized personnel and verified systems with a legitimate business need.
• Continuous Monitoring: Routine vulnerability scans, firewall protection, and intrusion prevention systems protect our infrastructure.

9. Data Retention Policy

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, satisfy legal and regulatory recordkeeping requirements (such as federal lending and anti-fraud guidelines), resolve disputes, and enforce our contractual agreements. When information is no longer needed, it is securely deleted or de-identified.

10. State-Specific Consumer Privacy Rights

Depending on your state of residence (including California, Virginia, Colorado, Connecticut, Utah, Texas, and Oregon), you may have specific statutory privacy rights regarding your personal information:

• Right to Know / Access: You have the right to request information about the categories and specific pieces of personal information we have collected and shared about you.
• Right to Request Deletion: You have the right to request deletion of your personal data, subject to legal, regulatory, and fraud-prevention exemptions.
• Right to Correct: You have the right to request correction of inaccurate personal data maintained in our records.
• Right to Non-Discrimination: We will not discriminate against you in terms of pricing, service quality, or availability for exercising any of your privacy rights.

To submit a verified consumer request, please contact our Privacy Team at [email protected] with the subject line "State Privacy Rights Request".

11. Children’s Online Privacy (COPPA Compliance)

Our website and loan connection services are strictly intended for individuals who are at least 18 years of age (or the legal age of majority in their jurisdiction). We do not knowingly collect, solicit, or maintain personal information from individuals under the age of 18. If we learn that we have inadvertently collected data from a minor, we will promptly delete it.

12. Third-Party Websites and External Links

Our website may contain links to external third-party sites, including lenders, credit bureaus, educational resources, and regulatory bodies. Once you leave Arrowhead Advance, our Privacy Policy no longer applies. We encourage you to review the privacy policies of any third-party websites you visit.

13. Opt-Out & Communication Preferences

You may opt out of receiving non-essential promotional emails from us by clicking the "Unsubscribe" link located at the bottom of any marketing email. For text message communications, you may reply "STOP" to discontinue SMS notifications.

Please note that transactional or administrative messages regarding existing inquiries, legal updates, or account safety will still be delivered.

14. Policy Updates and Modifications

We reserve the right to modify or update this Privacy Policy at any time to reflect operational, legal, or regulatory changes. Any revisions will take effect immediately upon posting the updated policy on this page with a revised "Last updated" date. We encourage periodic review of this page.

15. Contact Information & Privacy Officer

If you have any questions, comments, or concerns regarding this Privacy Policy, our data collection practices, or wish to exercise your privacy rights, please reach out to us: