Privacy Policy | Creek Lend

1. Introduction

Creek Lend ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at https://www.creeklend.com and use our lending services. This policy complies with the Gramm-Leach-Bliley Act (GLBA) and applicable state privacy laws.

2. Information We Collect

We collect the following categories of personal information:

Personal Identifiers

Full legal name, date of birth, email address, phone number
Social Security Number (SSN)
Driver's license number and issuing state
Residential address

Financial Information

Bank account number and routing number
Employment status, employer name, and income details
Credit history (obtained with your consent)

Technical Information

IP address, browser type, device information
Cookies and tracking data (see Cookie Policy below)
UTM parameters and referral source data

3. How We Use Your Information

To process and evaluate your loan application
To verify your identity and prevent fraud
To service your loan account and process payments
To communicate with you about your application or account
To comply with legal and regulatory requirements
To improve our services and website experience
For marketing purposes, with your consent

4. GLBA Compliance (United States)

In accordance with the Gramm-Leach-Bliley Act, we provide this notice of our information-sharing practices. We do not sell your personal financial information to third parties for marketing purposes. We may share your information with:

Credit bureaus to verify creditworthiness
Service providers who assist in loan processing and servicing
Regulatory authorities as required by law
Fraud prevention and identity verification services

You have the right to opt out of certain information sharing. To exercise your opt-out rights, contact us at support@creeklend.com.

5. Data Security

We implement industry-standard security measures to protect your personal information:

AES-256 encryption for all sensitive data at rest
TLS/SSL encryption for all data in transit
Regular security audits and vulnerability assessments
Access controls and authentication mechanisms
Employee training on data security and privacy practices

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Loan records are retained for a minimum of 7 years as required by applicable law.

8. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience and collect analytics data. These include:

Essential Cookies: Required for website functionality
Analytics Cookies: Google Analytics 4 for usage patterns
Marketing Cookies: For advertising attribution (Meta Pixel, Google Ads)

You can manage cookie preferences through your browser settings.

9. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

Right to access your personal data
Right to correct inaccurate information
Right to delete your personal data (subject to legal retention requirements)
Right to opt out of marketing communications
Right to data portability

To exercise any of these rights, contact us at support@creeklend.com.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, contact our Privacy Officer:

Email: support@creeklend.com
Creek Lend
355 S Grand Ave, Office #2 W, Los Angeles, CA 90071