Privacy Policy Disclosure

1. Your Financial Privacy Matters

At Advantage First Financial, LLC (“Advantage First,” “AFF,” “we,” “us,” or “our”), we value your financial privacy. This policy explains how AFF, our subsidiaries, and affiliates handle your personal information, both online and offline. We are committed to protecting your confidentiality and the security of your personal and financial data in full compliance with federal and state privacy statutes, including the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA).

2. Information We Collect

When you complete an inquiry or pre-qualification form on our website, we collect your name, residential address, email address, phone number, state of residence, requested loan amount, estimated credit tier, IP address, device interactions, and referral source.

• Online Submissions: Information provided during pre-qualification inquiries, including employment details, income estimates, debt amounts, and financial objectives.
• Credit Reporting Agencies: Information obtained from consumer reporting agencies (such as Experian, TransUnion, and Equifax) with your explicit authorization for pre-screening and credit evaluation.
• Offline Interactions: Records of telephone consultations, customer support interactions, and correspondence with our lending specialists.

3. How We Use Your Information

We use collected information to:

• Evaluate your eligibility for direct loan offers and partner lender options.
• Process applications and deliver pre-qualification estimates.
• Verify your identity and prevent financial fraud.
• Communicate with you regarding your application status, customer inquiries, and requested loan consultations.
• Improve our website performance, user experience, and underwriting technology.

4. We Do Not Sell Your Personal Information

Advantage First Financial does not sell your personal information. We share consumer information only with authorized service providers assisting in loan origination, communications delivery (such as SMS and email platforms), hosting, compliance auditing, or when required by court order or regulatory authority.

5. SMS / Text Messaging Terms & Conditions

By opting in to receive SMS messages from Advantage First Financial, LLC, you consent to receive text messages regarding your inquiry, application status, and loan notifications at the mobile number you provided. Message and data rates may apply. Message frequency varies based on your application activity.

6. Your California Privacy Rights (CCPA)

California residents have specific privacy rights regarding personal information under the California Consumer Privacy Act (CCPA) to the extent data is not governed by the Gramm-Leach-Bliley Act (GLBA):

• Right to Know: You may request the categories and specific pieces of personal information collected about you.
• Right to Delete: You may request deletion of your personal data, subject to legal and regulatory retention obligations.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To submit a CCPA privacy request, email info@advantagefirst.com or call toll-free at (800) 344-1202.

7. Contact Information

If you have questions regarding this Privacy Policy, please contact our Compliance Department: