Privacy Policy
Your privacy and the security of your financial data are our top priorities. Learn how we protect and handle your information.
Last Updated: June 2026
At HCHC Online, we are committed to protecting the privacy of our borrowers and website visitors. As a personal and business loan lender, we understand the sensitivity of the financial and personal information you entrust to us. This Privacy Policy explains how we collect, use, share, and safeguard your information when you apply for a loan or visit our website.
By applying for a loan or using our services, you agree to the terms outlined in this policy. We encourage you to read it carefully and contact us with any questions.
Information We Collect
Personal & Contact Information
When you apply for a loan, we collect information including your name, email address, phone number, date of birth, Social Security number, physical address, employment status, income, and estimated credit score range.
Business Information
For business loan applications, we may collect business name, business type, years in operation, annual revenue, and details about the intended use of loan proceeds.
Automatic Information
We automatically collect certain information when you visit our website, including IP address, browser type, device information, pages visited, time spent on pages, and referring website addresses, to improve our site experience.
How We Use Your Information
Loan Evaluation
Your information is used to evaluate your loan application, verify your identity, assess creditworthiness, determine your eligibility, and present you with loan offers tailored to your profile.
Communication
We use your contact information to respond to inquiries, provide updates on your application, send important loan notifications, and share relevant information about your loan or future borrowing opportunities.
Legal Compliance
We process information to comply with applicable federal and state lending laws, including the Equal Credit Opportunity Act, Truth in Lending Act, and other regulatory obligations. This includes maintaining accurate loan records and reporting as required.
Service Improvement
We analyze aggregated, anonymized data to improve our loan products, develop better tools, and better understand the needs of the borrowers we serve.
Information Security
Data Protection Measures
We implement industry-standard security measures including 256-bit SSL encryption for all data transmission, secure cloud servers with firewall protection, regular security audits, role-based access controls for sensitive borrower data, and multi-factor authentication for system access.
Employee Training
All HCHC staff undergo comprehensive training on data privacy, information security, and lending compliance. Access to personal or financial information is strictly granted on a need-to-know basis and closely monitored.
Third-Party Security
We carefully vet all third-party service providers, including credit bureaus and payment processors, and require them to maintain equivalent security standards through signed data processing and confidentiality agreements.
Information Sharing
Lending Partners
We may share information with credit bureaus to verify your credit profile, and with funding partners who assist in originating or servicing your loan. All partners are bound by strict confidentiality and data protection agreements.
Legal Requirements
We may disclose information when required by law, in response to valid legal requests, to government agencies for regulatory reporting, or to protect our rights and prevent fraud or illegal activities.
With Your Consent
We will not share your personal or financial information with third parties for marketing purposes without your explicit written consent.
Your Privacy Rights
Access and Correction
You have the right to access the personal information we hold about you, request corrections to inaccurate data, and receive a copy of your data in a commonly used format.
Opt-Out Rights
You can opt out of marketing communications at any time by clicking unsubscribe in our emails or contacting us directly. Essential service-related communications regarding your loan application or account are required and cannot be opted out of while your loan is active.
Data Deletion
You may request deletion of your personal information upon completion or closure of your loan, subject to legal and regulatory retention requirements. Loan and financial records may need to be retained for a period of time as required by law.
Data Retention
Retention Period
We retain borrower information for as long as necessary to service your loan, comply with lending and tax obligations, resolve disputes, and enforce our loan agreements. Loan records are typically retained for a minimum of 7 years after account closure to meet regulatory requirements.
Secure Disposal
When information is no longer needed, we securely delete or destroy it using industry-standard methods to prevent unauthorized access or recovery.
Questions About Your Privacy?
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact us.
Email: info@hchconline.online
Phone: (973) 486-3807
Address: 809 W Bramley St, Jetmore, KS 67854
Policy Updates
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Last Updated" date. We encourage you to review this policy periodically.