IntegraCredit Privacy Policy

1. Introduction

IntegraCredit ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website integracreditloans.com, apply for a loan, or use our services.

By accessing our website or submitting a loan application, you agree to the terms of this Privacy Policy. If you do not agree with our practices, please do not use our services.

Our services are provided in partnership with Transportation Alliance Bank, Inc. dba TAB Bank, Member FDIC, which originates and funds loans. This policy covers information collected by us; TAB Bank maintains its own privacy policy for banking services.

2. Information We Collect

We collect information in several ways to process your loan application and provide our services:

Personal Information You Provide

When you apply for a loan or contact us, we collect:

• Identity Information: Full legal name, date of birth, Social Security number, driver's license number
• Contact Information: Home address, email address, phone number
• Financial Information: Income, employment details, bank account information, payment history
• Loan Information: Requested loan amount, loan purpose, repayment preferences

Information Collected Automatically

When you visit our website, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, time spent on site, click patterns, referring URLs
• Location Information: General geographic location based on IP address

Information from Third Parties

We may receive information from:

• Consumer reporting agencies (credit bureaus) for identity verification and creditworthiness assessment
• Banking verification services to confirm account ownership
• Employment and income verification services
• Fraud prevention services

3. How We Use Your Information

We use the information we collect for the following purposes:

4. Information Sharing

We do not sell your personal information. We may share your information in the following circumstances:

Service Providers

We share information with trusted third parties who assist us in operating our business, including:

• Payment processors and banking partners
• Identity and income verification services
• Customer service platforms
• IT and security providers

Banking Partner

As loans are originated by Transportation Alliance Bank (TAB Bank), we share necessary application information with them to process and fund your loan.

Legal Requirements

We may disclose information when required by law, such as:

• Responding to subpoenas, court orders, or legal process
• Reporting to consumer reporting agencies
• Complying with regulatory requirements
• Preventing fraud or illegal activities

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement comprehensive security measures to protect your personal information:

• Encryption: All data transmitted between your device and our servers is encrypted using 256-bit SSL/TLS encryption
• Access Controls: Employee access to personal information is restricted on a need-to-know basis
• Secure Storage: Personal data is stored on secure servers with multiple layers of protection
• Monitoring: Our systems are continuously monitored for suspicious activity
• Employee Training: Staff members receive regular training on data protection best practices

While we strive to protect your information, no method of transmission over the Internet is 100% secure. We encourage you to protect your login credentials and contact us immediately if you suspect unauthorized access to your account.

6. Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information:

Right to Access

You can request a copy of the personal information we hold about you.

Right to Correction

You can request that we correct inaccurate or incomplete personal information.

Right to Deletion

You can request deletion of your personal information, subject to certain exceptions (such as legal retention requirements).

Right to Opt-Out

You can opt out of promotional communications at any time by clicking the "unsubscribe" link in our emails or contacting us directly.

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including:

• Right to know what personal information is collected and how it's used
• Right to know whether personal information is sold or disclosed
• Right to say no to the sale of personal information
• Right to non-discrimination for exercising privacy rights

To exercise any of these rights, please contact us using the information provided in Section 10.

7. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website:

Types of Cookies We Use

• Essential Cookies: Necessary for the website to function properly (e.g., security, session management)
• Analytical Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Track advertising effectiveness and deliver relevant ads

Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may affect website functionality. Most browsers allow you to:

• View what cookies are stored and delete them individually
• Block third-party cookies
• Block cookies from specific sites
• Block all cookies

Do Not Track

Our website does not currently respond to "Do Not Track" browser signals. However, you can use the cookie management options described above to control tracking.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will take steps to delete such information.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Post the updated policy on our website with a new "Last Updated" date
• Notify you via email if you have an active loan with us
• Provide a summary of key changes

We encourage you to review this policy periodically to stay informed about how we protect your information.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: