Privacy Policy
Effective Date: March 2, 2026
1) Scope of This Policy
This Privacy Policy ("Policy") is provided by Fedd Loans LLC ("Company," "we," "us," or "our"), which operates the APPNAME mobile application, website at https://feddloans.com/, and related services (collectively, the "App" or "Services"). This Policy explains how we collect, use, disclose, and safeguard your personal information when you access or use the App.
By downloading, accessing, or using the App, you agree to the terms of this Policy. If you do not agree, you must discontinue use of the App.
We comply with applicable U.S. federal and state privacy and consumer-protection laws, including, where applicable, the Gramm–Leach–Bliley Act (GLBA), the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), the Fair Credit Reporting Act (FCRA), Federal Trade Commission (FTC) regulations, and similar state data-protection laws.
Certain rights described in this Policy may not apply to data governed by GLBA or to individuals residing outside specific states.
This Policy applies to individuals located in the United States who use the App. It does not apply to employees, contractors, or job applicants, nor does it cover third-party services that we do not own or control.
2) Information We Collect
We collect information in three primary ways: directly from you, automatically through your device and use of the App, and from third parties.
2.1 Information You Provide Directly
When using the App, you may provide personal identifiers such as your full name, date of birth, email address, phone number, and residential or mailing address.
You may also provide government-issued identifiers, including your Social Security number, driver's license, state ID, or similar documentation used for identity verification and fraud prevention.
Financial information may include employment details, income, pay frequency, bank account and routing numbers, transaction history, repayment information, and details related to loan or cash-advance requests.
We may collect login and security information such as usernames, passwords, PINs, and answers to security questions. These are handled using appropriate safeguards, including encryption where applicable.
If you contact support, we may collect communications and documents you submit, including emails, in-app messages, identification images, bank statements, or other uploaded materials.
We also collect records of consents, acknowledgments, and electronic signatures related to applications, disclosures, and legal agreements.
2.2 Information Collected Automatically
When you use the App, we automatically collect certain technical data, including your IP address, device type, operating system, mobile carrier, app version, language preferences, and diagnostic or crash reports.
We gather usage data such as pages viewed, navigation paths, timestamps, session duration, clicks, and referral sources to better understand how users interact with the App.
Approximate location information may be derived from your IP address for fraud prevention and to apply state-specific compliance requirements.
We use cookies, mobile SDKs, and similar technologies for authentication, security, session management, preference storage, and analytics. You may adjust certain settings through your browser or device, though some features may not function properly if disabled.
2.3 Information from Third Parties
We may receive information about you from identity-verification and fraud-prevention providers to confirm your identity, address, and income, and to reduce the risk of fraud or abuse.
Financial partners such as lenders, banks, servicers, and payment processors may provide information related to financial products you request.
Where permitted by law and, if required, with your authorization, we may obtain information from credit bureaus and alternative data providers to assist with eligibility evaluation.
We may also receive information from marketing or referral partners and, when necessary, from public records or government sources for compliance and verification purposes.
3) How We Use Your Information
We use collected information to operate and maintain the App, create and manage accounts, process your requests, and provide core functionality.
We conduct identity verification and fraud prevention checks, including monitoring for suspicious activity and unauthorized access.
When you request financial options, we securely transmit relevant information to participating lenders and financial partners so they can assess your profile and potentially present offers.
We facilitate funding and repayment processes through payment processors and financial institutions.
Your information is used to respond to support inquiries, deliver confirmations, provide legally required notices, and send important service updates.
We analyze usage trends to improve performance, fix technical issues, enhance features, and develop new services.
We also process information to meet legal obligations, maintain records, conduct audits, respond to lawful requests, and enforce our Terms of Use.
Where permitted by law, we may send optional marketing or educational communications consistent with your preferences. For details on our marketing practices, opt-out options, and compliance with CAN-SPAM, TCPA, and telemarketing laws, please see our Marketing Practices disclosure.
4) Legal Grounds for Processing
Depending on your jurisdiction, we process personal information based on your consent, contractual necessity, compliance with legal obligations, and our legitimate business interests such as security, fraud prevention, and service improvement.
6) Data Retention
We retain personal information only as long as reasonably necessary to fulfill the purposes described in this Policy, maintain your account, and comply with legal obligations.
Account and servicing records are typically retained for the duration of your relationship with us and for an additional period, often up to seven years, to meet legal and operational requirements.
Compliance and risk-management records are generally maintained for five to seven years or longer if required by law.
Marketing communication records may be retained for up to three years following your last interaction or until you opt out.
Technical logs and analytics data are usually retained for approximately twelve to twenty-four months for performance and security monitoring.
After applicable retention periods expire, we delete or de-identify the information in accordance with legal requirements.
7) Data Security
We implement administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. These measures may include encryption, access controls, security monitoring, vendor risk assessments, and employee training.
No internet transmission or storage system can be guaranteed completely secure. You are responsible for maintaining the confidentiality of your login credentials and promptly notifying us at [email protected] if you suspect unauthorized access.
8) Your Privacy Rights
Depending on your state of residence and applicable law, you may have rights including access to your personal information, correction of inaccurate data, deletion of certain information, and data portability.
Where applicable, you may also have the right to opt out of certain processing activities, subject to legal exemptions for financial information regulated under GLBA.
We will verify your identity before responding to certain requests and may limit or deny requests as permitted by law.
8.1 Submitting a Privacy Request
To exercise your rights or ask questions, you may contact us at [email protected] with the subject line "Privacy Request." Please include your full name, state of residence, and a description of your request. To opt out of the sale or sharing of your personal information under the CCPA and CPRA, please use our Do Not Sell or Share My Personal Information page.
Where permitted by law, you may designate an authorized agent to submit requests on your behalf.
9) Children's Privacy
The App is intended for adults only. You must be at least 18 years old (or the age of majority in your state) to use the Services.
We do not knowingly collect personal information from children under 13. If we become aware that such information has been collected, we will take reasonable steps to delete it promptly. If you believe a child has provided information to us, please contact [email protected].
10) Cookies and Tracking Technologies
We use cookies, SDKs, and related technologies to maintain sessions, enhance security, remember preferences, and analyze usage patterns. Disabling certain tracking tools may limit App functionality.
11) Third-Party Services
The App may link to or integrate with third-party websites and services, including lenders, financial institutions, credit bureaus, and analytics providers. These third parties operate under their own privacy policies, and we are not responsible for their independent practices.
12) GLBA and FCRA Information
Certain information we handle may qualify as nonpublic personal information under GLBA. Where applicable, GLBA privacy notices may supplement or limit rights described in this Policy.
If consumer reports or credit data are used in connection with your request, your rights under FCRA apply. We do not initiate hard credit inquiries without your consent and will provide appropriate disclosures when required. For a complete description of our credit authorization practices and your rights, please see our Credit Authorization disclosure.
13) U.S. Use and Data Transfers
The App is intended for users in the United States. If accessed from outside the U.S., you understand that your information will be transferred to and processed within the United States, where data-protection laws may differ.
14) Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in legal requirements or business practices. When material updates occur, we will revise the Effective Date and provide additional notice where required.
Your continued use of the App after updates become effective constitutes acceptance of the revised Policy. If you do not agree, you should discontinue use of the App and may request account deletion where permitted.
15) Contact Us
If you have questions or concerns regarding this Privacy Policy or our data practices, you may contact:
Fedd Loans LLC (operating APPNAME)
Website: https://feddloans.com/
Email: [email protected]
Phone: (970) 423-2684
Address: 232 Lyons St, Fort Collins, CO 80521-1730
We strive to respond to reasonable inquiries within an appropriate timeframe consistent with legal and operational obligations.
Fedd Loans LLC is not a lender and does not make credit decisions. We provide a platform that connects users with licensed lenders and financial service providers. Loan amounts, APRs, terms, and funding timelines are determined solely by those providers and may vary by state, qualifications, and bank processing times. Offer availability is not guaranteed.
Please borrow responsibly. Late or missed payments may result in additional fees, collection activity, and negative credit reporting. Always review your lender's disclosures carefully before accepting any offer.