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1. WHO WE ARE

RadCred operates as an AI-powered loan matching platform that connects borrowers with licensed lending partners. RadCred is NOT a lender and does not make credit decisions or provide loans directly. We use advanced artificial intelligence to analyze borrower profiles and match them with appropriate lending partners in our network.

2. INFORMATION WE COLLECT

2.1 Personal Information You Provide

When you use our Services, we collect information you provide directly, including:

Identifiers:

  • Name, email address, phone number
  • Home address and mailing address
  • Social Security Number
  • Date of birth
  • Government-issued ID information

Financial Information:

  • Employment information and income details
  • Bank account information
  • Credit history and credit scores (obtained with your consent)
  • Debt obligations and payment history
  • Financial goals and loan purpose

Commercial Information:

  • Loan application details and preferences
  • Communication preferences
  • Transaction history with lending partners

2.2 Information Collected Automatically

We automatically collect certain information when you visit our Site:

Device and Technical Information:

  • IP address and device identifiers
  • Browser type and operating system
  • Mobile device information
  • Clickstream data and usage patterns

Location Information:

  • General geographic location based on IP address
  • GPS location (if you provide consent on mobile devices)

2.3 Information from Third Parties

We may obtain information about you from:

  • Credit reporting agencies (Experian, Equifax, TransUnion)
  • Identity verification services
  • Fraud prevention providers
  • Marketing partners and lead sources
  • Public records and databases

3. HOW WE USE YOUR INFORMATION

3.1 AI Matching and Loan Services

  • Analyze 100+ data points to create comprehensive borrower profiles
  • Match you with appropriate licensed lending partners
  • Facilitate communication between you and matched lenders
  • Process loan applications and manage the matching process

3.2 Communication and Customer Service

  • Respond to your inquiries and provide customer support
  • Send service-related notifications and updates
  • Provide information about loan status and lender communications
  • Send marketing communications (with your consent)

3.3 Business Operations

  • Improve and optimize our AI matching algorithms
  • Detect and prevent fraud and identity theft
  • Comply with legal and regulatory requirements
  • Conduct data analytics and research

3.4 Legal Compliance

  • Respond to legal requests and court orders
  • Enforce our Terms of Use and other agreements
  • Protect our rights and the rights of others

4. HOW WE SHARE YOUR INFORMATION

4.1 Licensed Lending Partners

Primary Sharing: We share your information with licensed lenders in our network who may be able to provide you with loan products. These lenders are independent entities, and their use of your information is governed by their own privacy policies.

4.2 Service Providers

We share information with trusted service providers who assist with:

  • AI technology and data processing
  • Credit reporting and identity verification
  • Fraud prevention and security
  • Customer service and communications
  • Website hosting and technical support

4.3 Business Transfers

We may share information in connection with corporate transactions such as mergers, acquisitions, or asset sales.

4.4 Legal Requirements

We may disclose information when required by law, including:

  • Responding to subpoenas, court orders, or legal process
  • Complying with regulatory examinations
  • Protecting against fraud or criminal activity
  • Enforcing our legal rights

4.5 With Your Consent

We may share information for other purposes with your explicit consent.

5. CONSENT TO CREDIT REPORTING

By using our Services, you provide written instruction under the Fair Credit Reporting Act (FCRA) for RadCred and our lending partners to:

  • Obtain consumer reports and credit scores from credit bureaus
  • Share your credit information with potential lending partners
  • Access your credit information for loan matching and underwriting purposes

Important Notes:

  • RadCred uses only soft credit inquiries during our matching process, which do not impact your credit score
  • Lending partners may perform hard credit inquiries if you choose to proceed with their loan offers
  • You have the right to dispute inaccurate information with credit bureaus

6. CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

6.1 California Residents' Rights

  1. Right to Know: Request information about the personal information we collect, use, and share about you.
  2. Right to Delete: Request deletion of personal information we have collected from you (subject to certain exceptions).
  3. Right to Opt-Out: Direct us not to sell your personal information to third parties.
  4. Right to Non-Discrimination: You will not receive discriminatory treatment for exercising your CCPA rights.

6.2 Categories of Personal Information (CCPA)

In the past 12 months, we have collected the following categories of personal information:

  1. Identifiers: Names, addresses, email addresses, Social Security Numbers, IP addresses, and device identifiers.
  2. Customer Records Information: Financial account information, employment information, education information, and loan application data.
  3. Protected Classifications: Age and marital status (where relevant to loan applications).
  4. Commercial Information: Records of loan applications, products considered, and services requested.
  5. Internet Activity: Website usage, search history, and interaction information.
  6. Geolocation Data: General location information based on IP address.
  7. Professional Information: Employment history, income information, and occupation details.
  8. Inferences: Profiles reflecting loan preferences, creditworthiness indicators, and financial characteristics.

6.3 Information Sharing and Sales

We do not sell personal information in the traditional sense. However, under the broad CCPA definition of “sale,” sharing information with lending partners for their direct marketing may constitute a “sale.”

Business Purposes for Sharing:

  • Providing loan matching services
  • Processing applications and facilitating lending
  • Fraud prevention and security
  • Legal compliance and regulatory requirements

6.4 Exercising Your CCPA Rights

To exercise your CCPA rights, you may:

  • Email us at: support@radcred.com
  • Call our toll-free number: (Available through customer portal)
  • Submit a request through our website privacy form

Verification: We will verify your identity before processing requests to protect your privacy and security.

7. DATA SECURITY

7.1 Security Measures

We implement comprehensive security measures to protect your information:

Technical Safeguards:

  • SOC 2 Type II compliance
  • 256-bit SSL encryption for data transmission
  • Advanced firewall and intrusion detection systems
  • Regular security assessments and penetration testing

Physical Safeguards:

  • Secure data centers with restricted access
  • Environmental controls and monitoring
  • Secure disposal of physical records

Administrative Safeguards:

  • Employee training on data privacy and security
  • Access controls and authentication procedures
  • Incident response and breach notification procedures

7.2 Data Retention

We retain your information for as long as necessary to:

  • Provide our Services and maintain your account
  • Comply with legal and regulatory requirements
  • Resolve disputes and enforce our agreements

Retention Periods:

  • Active customer information: Duration of relationship plus 7 years
  • Non-customer inquiries: 5 years from last interaction
  • Marketing communications: Until you opt out

8. COOKIES AND TRACKING TECHNOLOGIES

8.1 Cookies We Use

  • Essential Cookies: Required for website functionality
  • Analytics Cookies: Help us understand website usage (Google Analytics)
  • Marketing Cookies: Support targeted advertising and lead generation

8.2 Your Cookie Choices

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain Site features.

8.3 Do Not Track

Our Site does not currently respond to “Do Not Track” browser signals, but you can opt out of targeted advertising through industry opt-out tools.

9. THIRD-PARTY LINKS AND SERVICES

Our Site may contain links to third-party websites or integrate with third-party services. We are not responsible for the privacy practices of these third parties. Please review their privacy policies before providing personal information.

10. CHILDREN'S PRIVACY

Our Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will delete it promptly.

11. INTERNATIONAL USERS

Our Services are intended for use by U.S. residents only. If you access our Site from outside the United States, your information may be transferred to and processed in the United States, where privacy laws may differ from your jurisdiction.

12. COMMUNICATIONS PREFERENCES

12.1 Email Communications

You may opt out of marketing emails by:

  • Clicking the “unsubscribe” link in emails
  • Contacting customer service
  • Updating your account preferences

12.2 Phone Communications

By providing your phone number, you consent to receive calls and text messages from RadCred and our lending partners, including through automated dialing systems, even if your number is on a Do Not Call list.

To opt out of calls/texts:

  • Reply STOP to text messages
  • Contact customer service
  • Request removal during any call

13. STATE-SPECIFIC RIGHTS

13.1 Nevada Residents

Nevada residents may opt out of the sale of certain covered information. We do not currently sell covered information, but you may contact us at support@radcred.com for questions.

13.2 Other State Rights

Residents of certain states may have additional privacy rights. Contact us for information about rights specific to your state.

14. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy periodically. We will notify you of material changes by:

  • Posting the updated Policy on our Site
  • Sending email notifications to registered users
  • Providing notice through our Services

Your continued use of our Services after changes become effective constitutes acceptance of the updated Policy.

15. CONTACT INFORMATION

For questions about this Privacy Policy or our privacy practices, contact us:
RadCred, LLC
Privacy Officer
Email: support@radcred.com
Phone: Available through customer portal
Website: https://radcred.com/contact


Mailing Address:
RadCred Privacy Department
1146 N CENTRAL AVE UNIT 414 GLENDALE, CA 91202 United States

16. EFFECTIVE DATE

This Privacy Policy is effective as of September 6, 2025, and supersedes all previous versions.

Your privacy is important to us. This Policy explains our commitment to protecting your personal information while providing you with innovative AI-powered loan matching services.

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