Privacy Policy

How we collect, use, and protect your information

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Last Updated: January 15, 2025

Zuvlio Holdings LLC ("Zuvlio," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

1. Information We Collect

Information You Provide

When you submit a request through our website, we collect:

  • Contact Information: Name, email address, phone number, mailing address
  • Identity Information: Date of birth, last 4 digits of Social Security Number
  • Financial Information: Employment status, income, bank name, last 4 digits of bank account number
  • Request Information: Loan amount requested, purpose of loan

Information Collected Automatically

When you visit our website, we automatically collect:

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

2. How We Use Your Information

We use your information for the following purposes:

  • To connect you with lenders in our network who may review your request
  • To communicate with you about your request and our services
  • To send marketing communications (with your consent)
  • To improve our website and services
  • To comply with legal obligations
  • To detect and prevent fraud

3. How We Share Your Information

We may share your information with:

  • Lender Partners: When you submit a request, your information is shared with lenders in our network who may review your request and potentially make you an offer.
  • Service Providers: Companies that help us operate our business (hosting, analytics, customer support).
  • Marketing Partners: With your consent, we may share information with marketing partners.
  • Legal Requirements: When required by law or to protect our rights.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to:

  • Remember your preferences
  • Understand how you use our site
  • Deliver relevant advertising
  • Analyze site performance

You can control cookies through your browser settings. Note that disabling cookies may affect site functionality.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

  • Encryption of data in transit and at rest
  • Access controls and authentication
  • Regular security assessments
  • Employee training on data protection

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Typically, this is 7 years for financial-related records, though it may vary based on legal requirements.

7. Your Privacy Rights

All Users

You have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Opt out of marketing communications

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

  • Right to Know: You can request what personal information we collect, use, and disclose.
  • Right to Delete: You can request deletion of your personal information.
  • Right to Correct: You can request correction of inaccurate information.
  • Right to Opt-Out: You can opt out of the "sale" or "sharing" of your personal information.
  • Right to Limit: You can limit the use of sensitive personal information.
  • Right to Non-Discrimination: We will not discriminate against you for exercising your rights.

To exercise these rights, visit our Do Not Sell My Personal Information page or contact us at the information below.

Categories of Personal Information

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

  • Identifiers (name, email, phone, address, SSN last 4)
  • Financial information (income, employment, banking details)
  • Internet activity (browsing history on our site)
  • Geolocation data (general location)
  • Inferences (creditworthiness indicators based on provided information)

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these sites. We encourage you to read the privacy policies of any linked sites.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

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

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