Last Updated: August 4, 2026
Thank you for visiting informedchoicegroup.com (the “Site”), a property of Digital Reach, LLC, dba Informed Choice (the “Company”), and each of its respective officers, directors, members, owners, employees, agents, and representatives are collectively incorporated into and included in any reference to the “Site”, “Company”, “Us”, “Our”, and/or “We” herein. Each party is individually referred to herein as a “Party” and collectively as the “Parties.”
You must be at least 18 years old to use the Site.
We take your privacy very seriously. Please read this Privacy Policy carefully as it contains important information on how and why We collect, store, use, and share your personal information when you use this Site. It also explains your rights in relation to your personal information and how to contact Us.
By accessing, using, or submitting information to the Site, you agree to this Privacy Policy and our Terms & Conditions.
We have collected personal information about consumers within the preceding twelve (12) months in the following categories:
| Category of PI | Collected? | Categories of Sources | Business or Commercial Purpose | Length of Retention |
|---|---|---|---|---|
| Identifiers (e.g., a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, or other similar identifiers), or information that identifies, relates to, describes, or is capable of being associated with, a particular individual | Yes | Consumer directly; Advertising networks; ISPs; Data analytics providers; Gov’t entities; Operating systems and platforms; Social networks; Data brokers; Other third parties: lead aggregators, lead purchasers, advertisers, publishers | Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. Helping to ensure security and integrity; Debugging to identify and repair errors that impair existing intended functionality. Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. Undertaking internal research for technological development and demonstration. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | Indefinite, unless removal requested |
| Protected Classification Characteristics | Yes | Consumer directly; Advertising networks; ISPs; Data analytics providers; Gov’t entities; Operating systems and platforms; Social networks; Data brokers; Other third parties: lead aggregators, lead purchasers, advertisers, publishers | Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. Helping to ensure security and integrity; Debugging to identify and repair errors that impair existing intended functionality. Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. Undertaking internal research for technological development and demonstration. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | Indefinite, unless removal requested |
| Commercial Information | Yes | Consumer directly; Advertising networks; ISPs; Data analytics providers; Gov’t entities; Operating systems and platforms; Social networks; Data brokers; Other third parties: lead aggregators, lead purchasers, advertisers, publishers | Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. Helping to ensure security and integrity. Debugging to identify and repair errors that impair existing intended functionality. Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. Undertaking internal research for technological development and demonstration. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | Indefinite, unless removal requested |
| Biometric Information | No | Not applicable (not collected) | N/A | N/A |
| Internet/Electronic Activity | Yes | Consumer directly; Advertising networks; ISPs; Data analytics providers; Gov’t entities; Operating systems and platforms; Social networks; Data brokers; Other third parties: lead aggregators, lead purchasers, advertisers, publishers | Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. Helping to ensure security and integrity. Debugging to identify and repair errors that impair existing intended functionality. Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. Undertaking internal research for technological development and demonstration. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | Indefinite, unless removal requested |
| Geolocation Data | Yes | Consumer directly; Advertising networks; ISPs; Data analytics providers; Gov’t entities; Operating systems and platforms; Social networks; Data brokers; Other third parties: lead aggregators, lead purchasers, advertisers, publishers | Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. Helping to ensure security and integrity. Debugging to identify and repair errors that impair existing intended functionality. Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. Undertaking internal research for technological development and demonstration. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | Indefinite, unless removal requested |
| Sensory Data | No | Not applicable (not collected) | N/A | N/A |
| Professional/Employment Information | Yes | Consumer directly | Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. | Indefinite, unless removal requested |
| Education Information | No | Not applicable (not collected) | N/A | N/A |
| Inferences | Yes | Consumer directly; Advertising networks; ISPs; Data analytics providers; Gov’t entities; Operating systems and platforms; Social networks; Data brokers; Other third parties: lead aggregators, lead purchasers, advertisers, publishers | Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. Helping to ensure security and integrity. Debugging to identify and repair errors that impair existing intended functionality. Short-term, transient use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. Undertaking internal research for technological development and demonstration. Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | Indefinite, unless removal requested |
| Sensitive Personal Information | Yes | Consumer directly | Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. | Indefinite, unless removal requested |
As noted in the chart above, We collect the above personal information directly from you via the Site, and from your interactions with the Site, including any personal information which you provide directly or indirectly.
We collect any personal information which you submit directly to the Site, including but not limited to any information submitted to us through the prompts and web form located on the Site, or other communications submitted to Us through the Site. You may submit personal information to Us directly through the loan inquiry form on the Site. When you complete and submit the loan inquiry form, We collect information including, but not limited to: your name, email address, postal address, telephone number, date of birth, Social Security Number (collected for credit authorization purposes), estimated credit score range, monthly income, employment status, pay frequency, length of employment, housing status, length of residence, banking information (including checking account and direct deposit status), vehicle ownership information, and military or veteran status. You may also submit personal information to Us by submitting information to us through the Contact Us web form located on the Site.
In connection with your loan inquiry, We also collect information on whether you viewed email correspondence promoting Our services and clicked on any links within such emails. If you change your mind and decide that you do not want Us to communicate with you via email, you may unsubscribe through the unsubscribe link featured in the footer of such email. If you request to unsubscribe from receiving emails from Us, We will add your email address to our suppression file, to comply with CAN-SPAM.
In connection with your loan inquiry, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR § 310 et seq.), as amended from time to time, and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, and/or on applicable state do-not-call lists, We retain the right to contact you via automatic telephone dialing system (“ATDS”), artificial and prerecorded voice, and/or calls utilizing artificial intelligence, in accordance with applicable federal and state do-not-call regulations.
The Site is compliant with the Telephone Consumer Protection Act (“TCPA”) as implemented by the Federal Communications Commission. By entering the information requested in the prompts and/or fields on the Site and clicking and submitting your request to Us, you agree by electronic signature to our Terms & Conditions (including Our arbitration provision and E-SIGN consent) and this Privacy Policy and give your explicit consent (not required as a condition to purchase or receive Our services) for Us and Our Marketplace Partners to contact you (including through the use of ATDS, artificial and prerecorded voice, and/or calls utilizing artificial intelligence) via telephone, text message, and/or email, even if your phone is a mobile number or is listed on a corporate, state or national Do Not Call registry. Message and data rates may apply. If you do not wish to consent to the above but wish to obtain information about Our services, please contact Us.
We use and store cookies and tracking pixels on the Site, as described further herein. A cookie is a small data text file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and which is stored on your computer's web browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies can later be retrieved to identify you to Us. Personal information that We store about you may be linked to the information stored in and obtained from cookies. Cookies make your use of the Site easier, make the Site run more smoothly, and help Us to maintain a secure Site. Tracking pixels (also known as web beacons, 1×1 pixels, or clear GIFs) are code requiring a call back to a server to render, and which deliver information to us about your IP address and information from your browser. Cookies and tracking pixels are used to track your interaction with the Site, including clicks. Cookies and tracking pixels may collect information about you, such as your IP address, your browser type and version, operating system, software and platform, your Internet service provider, geographic location, the area code and zip code associated with your server, time zone setting, the date and time of your visit, the time spent on the Site, referring and exit domain names and websites, screen resolutions, color capabilities, browser plug-ins, language settings, and cookie preferences.
We allow third party data analytics providers to set their own cookies on and through our Site. We have no control over the practices of those third parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use Google Analytics to collect information about how visitors use the Site, including pages visited, time spent on the Site, and referring sources. Google utilizes the data collected through its cookies to track and examine the use of this Site, to prepare reports on its activities, and to share them with other Google services. For more information on how Google Analytics collects and processes data, please visit www.google.com/policies/privacy/partners/. You may opt-out of your data being utilized Google Analytics by using Google’s Browser Add-on available at https://tools.google.com/dlpage/gaoptout/. We also use Hotjar, a behavior analytics service, to better understand how users navigate and interact with the Site. For more information on how Hotjar uses your data, please visit www.hotjar.com/legal/policies/privacy/.
We use tracking pixels and tools provided by Meta (Facebook) and TikTok to enable targeted advertising and to measure the effectiveness of our advertising campaigns. To the extent that you interact with any social media features on or in connection with the Site, We may link such activities and any personal information with the personal information We have collected about you. Such pixels similarly collect consumer activity and interactions on the Site, such as scrolling, pages viewed, and buttons clicked, devices used to access the Site, IP addresses, and timestamps. Such third parties may use such data collected via such pixels on our Site for their own advertising and marketing purposes. To the extent that you have a Facebook account, please note that Meta may link information collected through its pixel to your Facebook account and use such for its own personalized advertising purposes, in accordance with Facebook’s own privacy policy.
We use ActiveProspect and Jornaya to record consumer activity and interaction on the Site, such as pages viewed and buttons clicked, as well as document your consent and form-entry session at the time you submit your information on the Site. These services create a verifiable, time-stamped record of your interaction with the Site and the disclosures presented to you at the time of form submission, including key strokes and click stream data, for compliance and audit purposes, namely, tracking website activity, and documenting and retaining a record of consumer consent. Such third parties may use such data for advertising and marketing purposes. Through your decision to enter information, you consent to Our use of such tracking technologies. For more information, please visit activeprospect.com and jornaya.com.
We use the personal information We collect for the following purposes:
Providing the Site and the Related Services. We use your personal information to provide the Site to you and the related services of matching you with Marketplace Partners who may offer personal loan products suited to your financial profile, and to fulfill your loan inquiry request.
Site Improvement and Analytics. We use internet activity data and analytics tools (including Google Analytics and Hotjar) to improve the performance, functionality, and content of the Site.
Targeted Advertising. We use identifiers and internet activity data to serve you targeted advertisements on and off the Site, including through Meta and TikTok advertising platforms.
Communications. We use your contact information to send you information about financial products and services that may be of interest to you, via email, telephone, text message, and mail, subject to applicable law and your stated preferences.
Consent Documentation. We use ActiveProspect and Jornaya to document and verify the consent you provide at the time of your form submission.
Legal and Compliance. We may use your information to comply with applicable laws and regulations, to respond to lawful requests from government or regulatory authorities, and to protect the rights, property, and interests of the Site and its users.
In the preceding twelve (12) months, We have disclosed personal information about consumers to the following categories of recipients for the following business or commercial purposes:
| Category of Personal Information Disclosed | Category of Recipients | Business/Commercial Purpose |
|---|---|---|
| Identifiers; Commercial Information; Professional/Employment Information | Marketplace Partners | Matching borrowers with lending partners; fulfilling loan inquiry requests; providing requested services. |
| Identifiers | Email Marketers / Email Marketing Partners | Sending promotional communications regarding financial products and services. |
| Identifiers | Email Service Providers | Delivering transactional and marketing emails on Our behalf. |
| Identifiers; Internet/Electronic Activity Data | Analytics Providers (including Google Analytics and Hotjar) | Site analytics, performance measurement, and improvement of Our services and user experience. |
| Identifiers; Internet/Electronic Activity Data | Social Networks and Ad Platforms (including Meta and TikTok) | Targeted advertising, retargeting, and measuring advertising effectiveness. |
| Identifiers | Consent Documentation Vendors (including ActiveProspect and Jornaya) | Recording and documenting consumer consent and form-entry session at time of submission for compliance purposes. |
We are not responsible for the privacy practices of any third party to which We disclose your personal information, including Marketplace Partners, email marketers, analytics providers, or advertising platforms. This Privacy Policy applies solely to information collected by Us on this Site. We encourage you to review the privacy policies of any third party with which you interact.
We take strong precautions and measures to protect the security of your personal information and to ensure that your choices for its intended use are honored, and to protect your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction. The security of your data is important to Us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect your data, We cannot guarantee its absolute security. As a result, you acknowledge that there are security and privacy limitations of the Internet which are beyond Our control; the security, integrity, and privacy of any and all information and data exchanged between you and Us through this Site cannot be guaranteed; and any such information and data may be viewed or tampered with in transit by a third party. We make no warranty, express, implied, or otherwise, regarding the security of the Site and your personal information.
Your data may be transferred to and maintained on computers located outside of your state, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside the United States, please note that the data We collect through the Site may be processed in and outside of the United States. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and that no transfer of your data will take place to an organization or a country unless there are adequate controls in place including the security of your data. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
Our Site may contain links to third-party websites. If you access such third-party websites, please be aware that different terms and privacy policies apply to your use of such websites. We do not control and are not responsible for the privacy practices of any such third-party websites.
You must be an adult of 18 years or older to use the Site. We do not target the Site to children. Consistent with the federal Children's Online Privacy Protection Act of 1998 (“COPPA”), We will never knowingly collect personal information from anyone under the age of 13 without requesting parental consent. If you are aware that your minor child under the age of 13 has provided Us with personal information, please contact Us immediately.
This Privacy Policy was published and last updated as of the date indicated at the top. We may update this Privacy Policy and its sections from time to time. Updates to this Privacy Policy are effective when they are posted. You acknowledge and agree that it is your responsibility to review this Site and this Privacy Policy periodically and to be aware of any modifications. Your use of the Site after such modifications will constitute your acknowledgment of the modified Privacy Policy and your agreement to abide and be bound by the modified Privacy Policy.
If you have any questions or concerns regarding your privacy rights or Our Privacy Policy or practices, you may contact Us via email at [email protected], or by mail at:
Digital Reach, LLC, dba Informed Choice
18585 Coastal Hwy, Unit 10 #1017
Rehoboth Beach, DE 19971-6147
If you have a disability which interferes with your ability to access this policy, We can make accommodations to present the policy in an alternative format to assist you. If you would like to receive this Privacy Policy in another format that is accessible to your needs (for example: audio, large print, etc.), please contact Us via the information provided above.
© 2026 Digital Reach, LLC, dba Informed Choice. All rights reserved.