Deer Creek Lending
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Legal Document

Privacy Policy

Last updated: January 1, 2026

This Privacy Policy explains how Deer Creek Lending ("we," "us," "our," or "the Company") collects, uses, discloses, and protects your personal information when you use our website located at https://deercreaklending.com (the "Service"). This policy is designed to comply with the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable US state privacy laws.

1. Information We Collect

1.1 Information You Provide

When you submit a request through our Service, we may collect the following personal information:

  • Identification information: First and last name, email address, phone number, and residential address (including zip code)
  • Financial information: Requested loan amount, employment status, monthly income, pay frequency, bank account type, and credit score range
  • Consent data: Electronic signature consent, credit check authorization, and marketing communication preferences

1.2 Information Collected Automatically

When you visit our Service, we automatically collect certain technical information:

  • IP address, browser type, browser version, and operating system
  • Pages you visit, the time and date of your visit, and time spent on pages
  • Referring website and search terms used to find our Service

1.3 Information from Third Parties

We may receive information about you from our lending network partners, credit reporting agencies, and other service providers to verify your identity and process your request.

2. How We Use Your Information

We use your personal information for the following purposes:

  • Service delivery: To process your request and connect you with licensed lending partners in our network
  • Communication: To contact you regarding your request, provide updates, and respond to your inquiries
  • Verification: To verify your identity, income, and other information provided
  • Legal compliance: To comply with applicable federal, state, and local laws and regulations
  • Marketing: To send you promotional offers and communications, if you have provided consent (you may opt out at any time)
  • Security: To protect against fraud, unauthorized access, and other security threats
  • Improvement: To analyze and improve our Service, website functionality, and user experience

3. How We Share Your Information

3.1 Lending Network Partners

We share your personal and financial information with licensed lending partners in our network to facilitate the connection service. These partners may use your information to evaluate your request, make credit decisions, and contact you with loan offers.

3.2 Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

  • Cloud hosting and data storage providers
  • Email and SMS communication providers
  • Analytics and tracking services
  • Identity verification services

3.3 Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others.

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. You will be notified of any such transfer via email or a prominent notice on our website.

4. Legal Basis for Processing (GDPR)

For users in the European Economic Area (EEA), we process your personal information under the following legal bases:

  • Consent: You have given us consent to process your personal information for specific purposes (e.g., marketing communications)
  • Contract: Processing is necessary to provide our Service and fulfill our obligations to you
  • Legal obligation: We must comply with applicable laws and regulations
  • Legitimate interest: We have a legitimate business interest in processing your information to operate and improve our Service

5. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our Service. We also retain information as required by law, including records of consent, transaction records, and communications. After the retention period expires, we securely delete or anonymize your data.

6. Your Privacy Rights

6.1 GDPR Rights (EEA Users)

If you are located in the European Economic Area, you have the following rights:

  • Right of access: Request a copy of your personal data
  • Right to rectification: Request correction of inaccurate data
  • Right to erasure: Request deletion of your personal data ("right to be forgotten")
  • Right to restrict processing: Request that we limit how we use your data
  • Right to data portability: Receive your data in a structured, machine-readable format
  • Right to object: Object to our processing of your data
  • Right to withdraw consent: Withdraw consent at any time without affecting prior processing

6.2 CCPA Rights (California Residents)

If you are a California resident, you have additional rights under the California Consumer Privacy Act. Please see our CCPA Disclosure page for details.

6.3 Other US State Rights

Residents of other states with privacy laws (including but not limited to Virginia, Colorado, Connecticut, and Utah) may have similar rights. Please contact us at [email protected] to exercise any of these rights.

7. Data Security

We implement industry-standard security measures to protect your personal information, including 256-bit SSL encryption for data in transit, encrypted storage for data at rest, and regular security audits. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our Service and store certain information. Cookies are small files that may contain an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, some portions of the Service may not function properly.

9. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If you believe we have collected information from a minor, please contact us immediately at [email protected], and we will delete such information.

10. Do Not Track Signals

We respect Do Not Track signals from your browser. If you have enabled Do Not Track in your browser settings, we will not track your activity for targeted advertising purposes.

11. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this page periodically for any changes.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: