Privacy Policy & Disclosures

The security of our clients is a continuing effort of our company. We value your privacy and want to assure you that we make every possible effort to insure your personal information remains confidential in every aspect of the loan process. We maintain physical, electronic, and procedural safeguards that comply with U.S. standards to transmit and store information about you.

Information We Collect

The information we collect about you is primarily used to provide services to you or to facilitate loans or other services that you request. Although we may disclose information with third parties as permitted by law, its use will be limited to what we reasonably believe is appropriate and necessary to carry on our business and to facilitate your application for the services and/or products you expect and deserve.

Parties to Whom We Disclose

Loan products and financial services are provided by originating banks, third party financing platforms, third party service providers, affiliates, nonaffiliates, network lenders and/or assignees. We reserve the right to share your collected non-public personal information with them as necessary.

Opt-Out Rights

You may opt-out of receiving any communications from us, or our affiliates, by choosing not to submit your information to us. If you do submit your information to us or you do apply for services, you consent to having your personal information transferred to third parties at our discretion.

Changes to the Privacy Policy

We reserve the right to change our Privacy Policy at any time without prior notification. It is your responsibility to check the website frequently to apprise yourself of any changes that may affect you. This will be the only notice that you will receive regarding any such changes in policy.

Children and the Internet

We do not knowingly collect or retain personally identifiable information from consumers under the age of eighteen (18). You must be at least eighteen (18) years of age to obtain services from us. By completing an application you are representing to us that you are 18 years of age or older.

DISCLOSURES

Disclaimer

THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS. TIFAQ Financial Services does not broker loans or make credit decisions, and nothing on this website is an offer or a solicitation to lend.  Any information you submit to this site may be shared with one or more lenders that fully comply with all applicable laws and regulations. The operator of this website is not an agent or representative of any lender and does not charge you for any service or product.  TIFAQ Financial Services does not guarantee that you will be matched with a lender, or that that your application will be approved by a lender. If your application is approved by a lender, TIFAQ Financial Services cannot guarantee the approval amount. The lender may perform a credit check and/or verify the applicant’s identity.

This website contains general information about financial services and matters pertaining to loans and credit. We strongly encourage all loan applicants to be fully informed of the loan terms and conditions of their lender, and to understand the possible implications of late payments and/ non-payment. Any late payment or non-payment may result in additional fees, collection activities, or both. If you have specific questions regarding loans and/or credit you should consult a qualified credit adviser, accountant, or other financial professional. You should never delay seeking financial advice or discontinue financial counselling because of information contained within this website.

Electronic Consent

By submitting your application for loan services, you are providing consent to your lender to provide documents to you electronically. All documents sent by the lender are subject to this Consent Form, including but not limited to, any and all disclosures, declarations, contracts, policy forms, certificates, and/or documents, information, requests, applications, communications, and/or notices required by federal law, except when applicable law requires notice by another means. You agree that electronic delivery of documents is sufficient to meet all reporting and/or notice requirements, except when applicable law requires notice by another means. You are not required to receive documents electronically. If you do not agree to this Consent Form, please contact the lender and you will be provided documents in accordance with applicable law. Your agreement to accept documents electronically means that once the lender delivers a document to you, and if required, you click to accept the document, the terms contained in the document apply to you. Additionally, it means that the lender may not mail you copies of documents that are provided electronically. You must print or otherwise retain a copy of this consent form for your records.

Electronic Documents

When the lender delivers a document electronically, it will do so by making the document available to you through an online customer portal where documents are placed for you to view or by sending the document by e-mail. You should check your e-mail periodically to ensure timely receipt of any document delivered electronically. You agree to access the portal within 10 days of receiving notification that a document has been posted. A document will be considered delivered to you when: (1) the e-mailed document leaves the lender’s system (if e-mailed); or (2) the document is posted on the portal. To be clear, a document is not considered delivered based on when you review the document. The receipt of documents electronically has security and privacy risks. E-mail and online security and privacy cannot be guaranteed, and e-mails can be intercepted without your permission. If you agree to this Consent Form, you acknowledge and agree to accept these and other risks of receiving documents electronically.

Hardware and Software Requirements

Before agreeing to receive documents electronically, you must determine whether you have the necessary hardware and software to access and retain documents electronically. To access documents, you will need an e-mail address, Adobe Acrobat Reader, and a personal computer or other personal device that is capable of accessing the internet. To retain documents, your access device must have the ability to download to your hard drive, or an external media storage device, or to print the documents, as well as embedded HTML files. If you are unable to access a document electronically, you are obligated to notify your lender immediately by phone or email. If, after you have consented to the terms and conditions of this Consent Form, a change in the hardware or software requirements needed to access or retain documents electronically creates a material risk that you will not be able to access or retain subsequent documents delivered electronically, upon request, the lender will provide you with a statement of the revised hardware and software requirements for access to, and retention of, the documents, and the right to withdraw your consent without imposition of any fees for such withdrawal, and without imposition of any condition or consequence that was not disclosed in this Consent Form.

Documents in Paper Form

You have the option to request that the lender provide you with paper copies of the documents the lender provides to you electronically. If you wish to obtain a paper copy of a document, you may send an e-mail request to the lender’s physical address or a written request to the lender’s physical address. Some lenders may charge for paper copies of a document. Moreover, even if you consent to receive documents electronically, the lender may choose, in its sole discretion, to send paper copies of documents to you even though the documents were made or could have been made available to you electronically. Such delivery will be provided to you at the most current mailing address on file.

Withdrawing Consent

You may withdraw your consent to receive documents electronically, at any time and without charge, by sending an e-mail request to the lender’s physical address or a written request to the lender’s physical address. Withdrawal of your consent shall not affect the legal effectiveness, validity, and/or enforceability of documents provided or made available to you electronically prior to implementation of your withdrawal of consent. Your withdrawal of consent shall be effective within ten (10) days after receipt by the lender of your withdrawal request. Thereafter, such delivery will be provided to you at the most current mailing address on file.

Authority to Access to Documents Delivered Electronically

You are the only individual authorized to access your documents from the lender electronically. You shall not share or disclose your password or other secure method to access documents delivered electronically. You shall take all reasonable measures to protect your access devices to prevent unauthorized access to documents delivered electronically.

Notification of Changes

You agree to notify the lender promptly of any changes to your mailing address, e-mail address, or other information. Notification may be by e-mail, in writing, or by telephone. You agree to hold harmless the lender in connection with your failure to provide current and valid contact information. By clicking the submit button, you confirm that you have read and understood this Consent Form in its entirety, that you consent to the electronic delivery of documents by the lender on its behalf and on behalf of other third parties, that your hardware and software systems meet the requirements set forth herein, that you are able to access and retain documents presented to you on a portal or via e-mail, and that you have printed or stored a copy of this Consent Form. If you do not agree to the terms of this Consent Form, please do not use the online loan application form.

Limitation of Warranties

The legal information on this website is provided “as is” without any representations or warranties, express or implied. TIFAQ Financial Services makes no representations or warranties in relation to the financial information on this website.

Disagreement with Our Policies

If you disagree with the above terms, please do not use our website or provide us with any of your personal information.