The purpose of the sparning.com Privacy Policy is to provide you with a comprehensive description of sparning.com ’s online and offline practices regarding the collection, use, disclosure, and sale of personal information and of the rights of consumers regarding their personal information.
We collect the following personal information about consumers:
| Category | Categories of sources from which the information was collected | The business or commercial purpose for which the information was collected |
|---|---|---|
| Identifiers such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver’s license number. | Consumers directly | To connect consumers with a lender and offer other services they may be interested in. |
| Categories of personal information* such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information. | Consumers directly | To connect consumers with a lender and offer other services they may be interested in. |
| Characteristics of protected classifications under federal law and applicable state law, such as age. | Consumers directly | To connect consumers with a lender and offer other services they may be interested in. |
| Geolocation data such as your approximate location. | Data analytics providers | To connect consumers with a lender and offer other services they may be interested in. |
*as described in subdivision (e) of California Civil Code Section 1798.80
We disclose or sell the following categories of personal information to third parties for a business or commercial purpose:
| Category | The categories of third parties to whom the information was disclosed or sold |
|---|---|
| Identifiers such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver’s license number. | Lenders, lender-networks, and other marketing partners. |
| Categories of personal information* such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information. | Lenders, lender-networks, and other marketing partners. |
| Characteristics of protected classifications under California or federal law such as age. | Lenders, lender-networks, and other marketing partners. |
*as described in subdivision (e) of California Civil Code Section 1798.80
We do not collect or sell the personal information of minors under 16 years of age without affirmative authorization.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way.
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.
To limit our sharing, email us at support@sparning.com.
support@sparning.com
If you are a California consumer as defined by the California Consumer Protection Act (“CCPA”) you have the following rights:
You have the right to request that sparning.com disclose the personal information we collect, use, disclose, and sell by sending a request to support@sparning.com or by clicking here. For categories of information collected or disclosed, please refer to the information provided above, which reflects the categories of information collected or disclosed in the last 12 months.
In order to verify your request for information, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number. We will match the personal information provided by you with personal information maintained by sparning.com. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.
You have the right to request deletion of your personal information collected or maintained by sending a request to support@sparning.com or by clicking here.
In order to verify your request for deletion, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number. We will match the personal information provided by you with personal information maintained by sparning.com. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.
You have the right to opt-out of the sale of your personal information.
You can direct sparning.com to stop selling your personal information, and to refrain from doing so in the future, by clicking here or sending a request to support@sparning.com.
If you are an Authorized Agent acting on behalf of a consumer to exercise their right to opt-out, send an email request to support@sparning.com. You will be required to submit documentation as proof of the agency relationship.
You have the right to receive nondiscriminatory treatment by us for the exercise of your privacy rights conferred by the CCPA.
Unless permitted by the CCPA, sparning.com will not:
You have the right to designate an authorized agent to make a request under the CCPA on your behalf. To make a request on behalf of a consumer as an authorized agent, please send an email request to support@sparning.com. You will be required to provide documentation that proves the agency relationship.
Last updated: July 1, 2020
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. sparning.com is not a financial services provider and does not make loan or credit decisions. sparning.com connects interested persons with a financial services provider from its network. sparning.com does not control and is not responsible for the actions or inactions of any financial services provider, is not an agent, representative or broker of any financial services provider, and does not endorse any financial services provider. sparning.com receives compensation from its financial services provider, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, sparning.coms service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any offer by any financial services provider, whether tribal or state-licensed, and to reject any particular offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all states. If you request to connect with a financial services provider in a particular state where such offers are prohibited, or in a location where sparning.com does not have an available financial services provider, you will not be connected to a financial services provider.
By submitting your information via this website, you are authorizing sparning.com and its financial services providers to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize sparning.com to share your information and credit history with a network of approved financial services providers.
Lender’s Disclosure of Terms.
The financial services provider you are connected to will provide documents that contain all fees and rate information pertaining to the offer, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the financial services provider based on the financial services provider’s internal policies, underwriting criteria and applicable law. sparning.com has no knowledge of or control over the loan terms offered by a financial services provider. You are urged to read and understand the terms of any loan offered by any financial services provider and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your financial services provider immediately and discuss how to handle late payments.
Copyright © 2012-2022 sparning.com. All Rights Reserved