We take your privacy seriously. This Privacy Policy explains how Ibericash (“we,” “us,” or “our”) collects, uses, shares, and safeguards personal information when you visit our website and use our services in the United States.
Information We Collect
- Personal Identifiers: Name, email address, phone number, and similar contact details.
- Financial and Application Data: Self-reported financial information (e.g., income range, employment status, debt obligations) you choose to submit when requesting quotes or recommendations.
- Device/Network Data: IP address, approximate location (city/state/country), browser and device information, referral URLs, and session data.
- Usage and Interaction Data: Page views, clicks, scroll depth, time on page, and other analytics that help us understand how you use the site.
- Inferences and Preferences: Segments or interest categories derived from your activity to personalize content and offers.
How We Use Your Information
- Provide Services: Process your requests, deliver personalized recommendations, and manage your account or inquiries.
- Communications: Send emails about products and services that may be of interest to you (you can opt out at any time).
- Personalization and Improvement: Understand your preferences to improve site content, offers, and user experience.
- Advertising and Analytics: Measure performance, show relevant ads, and conduct research to enhance our services.
- Security and Compliance: Detect and prevent fraud, enforce terms, and comply with applicable laws.
Marketing Communications
We may send you information about Ibericash services and, at times, about selected partners (e.g., banks and credit card issuers in the U.S.). The specific list of partners can change over time. You can opt out of marketing emails at any time by using the “unsubscribe” link included in our messages. If you continue receiving marketing after unsubscribing, contact us at ibc@ibericash.com.
How We Store and Retain Data
We store data with reputable cloud providers (for example, Google BigQuery) and other third-party vendors that follow industry best practices to help protect your information. We keep personal information for as long as it is useful for the purposes described here, and then delete or de-identify it. When data is no longer needed for our internal operations, we aim to delete it within a reasonable period (typically within one year), subject to legal, accounting, or compliance requirements.
International Data Transfers
Your information may be processed and stored in the United States and, where necessary, in other countries. If you are located outside the U.S., your information may be transferred to jurisdictions that may not provide the same level of data protection as your home country.
When We Share Information
- No Data Sales: We do not sell your personal information.
- With Your Direction or Consent: If you ask us to share your information with a financial institution (e.g., to request a quote or prequalification), we may do so to facilitate your request.
- Service Providers: We share limited information with vendors that help us operate the website and services (e.g., analytics, email distribution, security, fraud prevention, payment processors when applicable).
- Legal and Safety: We may disclose information to comply with law, regulation, legal process, or to protect the rights, property, or safety of Ibericash, our users, or others.
Your Privacy Choices and Rights
Depending on your state of residence (for example, California, Colorado, Connecticut, Utah, Virginia), you may have rights under U.S. state privacy laws such as the CCPA/CPRA, including:
- Access: Request to know the categories and specific pieces of personal information we have collected about you.
- Correction: Request that we correct inaccurate personal information.
- Deletion: Request deletion of personal information, subject to certain exceptions.
- Opt-Out of Targeted Advertising/Sharing: Opt out of certain disclosures of personal information for cross-context behavioral advertising (“sharing”).
- Portability: Request a copy of your data in a portable format where technically feasible.
To exercise these rights, email us at ibc@ibericash.com. We will verify your request and respond within the timeframes required by applicable law. You may designate an authorized agent to make a request on your behalf where permitted.
Google Advertising Cookies
Third-party vendors, including Google, use cookies to serve ads based on a user’s prior visits to our site or other websites. Google’s use of advertising cookies enables it and its partners to serve ads based on your browsing. You can opt out of personalized advertising by visiting your Google Ads Settings. To opt out of third-party vendors’ use of cookies for personalized ads more broadly, visit the industry opt-out pages offered by the DAA/NAI at aboutads.info or optout.networkadvertising.org.
What Are Cookies?
Cookies are small text files placed on your device to store information. When you visit our site, we may collect information automatically through cookies or similar technologies (e.g., pixels, local storage). For more about cookies, visit allaboutcookies.org.
How We Use Cookies
- Essential/Functional Cookies: Enable core site functionality, remember preferences (e.g., language, region), and keep you logged in.
- Advertising Cookies: Help deliver relevant ads, measure ad performance, and limit how often you see an ad.
- Analytics Cookies: Help us understand how visitors use our site so we can improve content and performance.
Managing Cookies
On your first visit, you may be asked to set cookie preferences. Essential cookies are necessary for the site to function and do not depend on consent. You can update preferences at any time via our “Manage Consent” link (if available), adjust your browser settings to refuse or delete cookies, or use industry opt-out tools. Note that disabling cookies may impact certain site features.
Children’s Privacy
Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided us personal information, contact us and we will take appropriate steps to delete it.
Security
We implement administrative, technical, and physical safeguards designed to protect personal information (including encryption in transit, access controls, and monitoring). No method of transmission or storage is fully secure, and we cannot guarantee absolute security.
Third-Party Links
Our website may contain links to third-party websites. This Privacy Policy applies only to our site. If you follow a link to another website, please review that site’s privacy policy.
Changes to This Policy
We may update this Privacy Policy periodically. When we do, we will revise the “Last Updated” date below and, where required, provide additional notice. Please review this page from time to time to stay informed about how we process your data.
Last Updated: [insert date]
Contact Us
If you have questions about this Privacy Policy, want to learn more about the information we hold, or wish to exercise your privacy rights, contact us at ibc@ibericash.com.