Summary: Forward Funding collects personal and financial information to match you with lenders. We use a soft credit pull — it does not affect your FICO score. We share your data with lenders in our network to process your application. We do not sell your personal information to third-party advertisers.
1. Overview
ForwardFundingLoans.com ("Forward Funding," "we," "us," or "our") is committed to protecting the privacy of users who visit our website and submit loan applications. This Privacy Policy describes how we collect, use, disclose, and protect personal information in connection with our loan-matching service.
By accessing ForwardFundingLoans.com or submitting an application, you agree to the practices described in this Privacy Policy. Forward Funding is not a direct lender. We operate as a loan connection service that submits your application to our network of licensed lenders.
2. Information We Collect
2.1 Information You Provide
When you submit a loan application or contact us, we collect:
- Full legal name, date of birth, and Social Security Number (SSN)
- Current home address, email address, and phone number
- Employment status, employer name, and gross monthly income
- US bank account and routing number for disbursement
- Loan amount requested, loan purpose, and desired repayment term
- Any additional information you voluntarily provide via our contact form
2.2 Information Collected Automatically
When you visit our website, we automatically collect:
- IP address, browser type and version, operating system
- Pages visited, time on page, and referral source
- Device identifiers and session cookies
- Geographic location at the city or state level (derived from IP address)
3. How We Use Your Information
We use collected information to:
- Process your loan application and match you with lenders in our network
- Verify your identity and assess basic eligibility
- Perform a soft credit pull to facilitate rate-checking (see Section 5)
- Communicate with you about your application status and loan offers
- Comply with federal and state financial regulations and legal obligations
- Improve our website, services, and user experience through analytics
- Detect and prevent fraud, security breaches, and illegal activity
- Send you informational and promotional communications (with opt-out available)
4. Sharing of Information
We may share your personal information with:
- Licensed Lenders: We share your application data with lenders in our network who may make you a loan offer. Each lender has its own privacy practices and may perform a hard credit inquiry upon formal acceptance.
- Service Providers: Third-party vendors who assist us in operating our platform (e.g., analytics providers, hosting services, fraud detection systems) under strict data protection agreements.
- Legal Authorities: When required by law, court order, or regulatory authority, or to protect the rights, safety, or property of Forward Funding or others.
- Business Transfers: In connection with a merger, acquisition, or sale of all or part of our business, subject to confidentiality obligations.
We do not sell your personal information to third-party advertisers or data brokers.
5. Credit Inquiries — Soft Pull Policy
When you submit a rate-checking application through Forward Funding, we perform a soft credit inquiry with one or more credit bureaus. A soft credit pull:
- Does not affect your FICO credit score
- Does not appear on your credit report as a hard inquiry visible to other lenders
- Is used solely to facilitate rate-checking and lender matching
If you formally accept a loan offer from a lender in our network, that individual lender may perform a hard credit inquiry as part of their own underwriting process. This hard inquiry will be disclosed to you by the lender before you finalize the loan agreement.
6. Data Security
Forward Funding uses industry-standard security measures to protect your personal information, including:
- 256-bit SSL (Secure Sockets Layer) encryption for all data transmitted through our website
- Secure, access-controlled server environments
- Regular security audits and vulnerability assessments
- Employee access controls and training on data handling procedures
While we take reasonable precautions, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security of your information.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience and analyze site performance. Types include:
- Essential Cookies: Required for site functionality, security, and form operation
- Analytics Cookies: Used to understand how visitors use our site (e.g., Google Analytics). Data is aggregated and anonymized.
- Advertising Cookies: May be used to measure marketing campaign effectiveness
You may disable cookies in your browser settings. Note that disabling essential cookies may affect site functionality. We honor browser-level Do Not Track signals where technically feasible.
8. Your Privacy Rights
Depending on your state of residence, you may have rights including:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal retention requirements
- Opt-Out of Marketing: Unsubscribe from marketing communications at any time via the link in any email
- California Residents (CCPA): Additional rights under the California Consumer Privacy Act, including the right to know, delete, and opt-out of the sale of personal information. We do not sell personal information.
To exercise these rights, contact us at: [email protected] or via our Contact page.
9. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with applicable laws, resolve disputes, and enforce our agreements. Application data is typically retained for a minimum of 7 years in accordance with federal financial recordkeeping requirements. You may request earlier deletion subject to legal constraints.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn that we have inadvertently collected information from a minor, we will promptly delete it. If you believe we may have collected information from a minor, please contact us immediately.
11. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or business operations. Material changes will be indicated by an updated "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our services after changes are posted constitutes acceptance of the updated policy.
12. Contact Us
For questions, concerns, or to exercise your privacy rights, contact Forward Funding at:
- Email: [email protected]
- Website: forwardfundingloans.com/contact.html
- Mailing Address: 1234 Forward Ave, Suite 100, Austin, TX 78701