Privacy Policy
How Integra Credit USA collects, uses, protects, and shares information from visitors to this editorial review site.
1.Introduction and scope
Integra Credit USA ("we," "us," or "our") operates the website at integracreditusa.com (the "Site"). This Privacy Policy explains what information we collect, how we use it, with whom we share it, and what rights you have regarding your information.
We are an independent editorial review site providing information about consumer lending products in the United States. We are not Integra Credit, Deinde Financial LLC, or any affiliated lender. This policy applies only to data collected through this Site.
By using the Site, you agree to the collection and use of information as described in this policy. If you do not agree, please do not use the Site.
2.Information we collect
2.1 Information you provide directly
- Loan application data
- When you use the application form on our Site, you may provide: full legal name, date of birth, Social Security number, residential address, email address, phone number, employment information, income details, and bank account routing and account numbers. This data is transmitted directly to our lending-platform partner (APIdiamond) for prequalification routing and is not stored by Integra Credit USA.
- Contact and inquiry data
- When you contact us via email or forms, you may provide your name, email address, and the content of your message.
- Newsletter subscription
- If you subscribe to editorial updates, we collect your email address.
- Feedback and comments
- If you submit feedback or corrections, we collect the content and any contact information you provide.
2.2 Information collected automatically
- Usage and analytics data
- We use Google Analytics 4 and Statcounter (invisible mode) to understand Site usage: pages viewed, time on page, device type, browser, operating system, referring source, and anonymized IP address.
- Cookies and similar technologies
- Our Site uses cookies to maintain preferences, analyze traffic, and improve functionality. See Section 5 for details.
- Server logs
- Our web hosting provider automatically logs standard HTTP request information: IP address, timestamp, request URL, HTTP status code, user-agent string, and referrer header.
3.How we use information
We use collected information for the following purposes:
- Provide and operate the editorial content on this Site
- Route loan applications you submit through our form to appropriate third-party lenders via our lending platform partner
- Respond to your inquiries, corrections, and support requests
- Analyze Site performance and improve content and user experience
- Detect, prevent, and respond to fraud, abuse, or security incidents
- Comply with legal obligations and respond to lawful requests from authorities
- Enforce our Terms of Use and protect our rights
We do not sell personal information. We do not use loan application data for targeted advertising.
5.Cookies and tracking technologies
Our Site uses the following categories of cookies and similar technologies:
- Strictly necessary cookies
- Required for the Site to function properly, such as maintaining session state during form submission. These cannot be disabled through our Site controls.
- Analytics cookies
- Help us understand how visitors use the Site. We use Google Analytics 4 and Statcounter in invisible mode. Analytics cookies collect anonymized or pseudonymized data.
- Preference cookies
- Remember your preferences such as whether you have dismissed informational banners.
We do not currently use advertising or retargeting cookies on this Site.
Managing cookies
You can control cookies through your browser settings: block all cookies, block third-party cookies only, or clear existing cookies. Instructions vary by browser. Disabling cookies may affect Site functionality. You can also opt out of Google Analytics by installing the browser add-on at tools.google.com/dlpage/gaoptout.
Do Not Track
We honor Do Not Track browser signals where technically feasible. When your browser sends a DNT signal, we do not load analytics cookies.
6.Data retention
We retain information only as long as needed for the purposes described:
- Loan application data: Not retained by us — transmitted to APIdiamond and deleted from our systems within 24 hours of submission.
- Contact form submissions: Retained for 24 months to allow follow-up, then deleted or anonymized.
- Newsletter subscriber emails: Retained until you unsubscribe.
- Analytics data: Google Analytics 4 retention is set to 14 months; Statcounter retains aggregated data per its policies.
- Server logs: Retained for 30 days for security and troubleshooting, then automatically rotated.
- Legal compliance data: Retained as required by applicable law, which may exceed the periods above.
7.Your privacy rights (all users)
Regardless of your location, you may:
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information, subject to our legal retention obligations
- Opt out of our newsletter at any time by following the unsubscribe link
- Disable analytics cookies through your browser
- File a complaint with the appropriate data protection authority
To exercise these rights, contact us using the information in Section 14. We will respond within 30 days.
8.California residents (CCPA/CPRA rights)
If you are a California resident, under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), you have additional rights:
- Right to know
- Request categories and specific pieces of personal information we have collected about you in the prior 12 months.
- Right to delete
- Request deletion of personal information we have collected, subject to exemptions.
- Right to correct
- Request correction of inaccurate personal information.
- Right to opt out of sale and sharing
- We do not sell personal information. We do not share personal information for cross-context behavioral advertising.
- Right to limit use of sensitive personal information
- You may request that we limit use of sensitive personal information (Social Security numbers, financial account numbers) to purposes necessary to perform the service you requested.
- Right to non-discrimination
- We will not discriminate against you for exercising any CCPA right.
To submit a verifiable consumer request, email privacy [at] integracreditusa [dot] com. We will verify your identity using the information you provide and respond within 45 days (extendable to 90 days where permitted).
9.EU and UK residents (GDPR rights)
If you are located in the European Economic Area, United Kingdom, or Switzerland, you have rights under the General Data Protection Regulation (GDPR) and UK GDPR:
- Right of access to your personal data (Art. 15)
- Right to rectification (Art. 16)
- Right to erasure (Art. 17)
- Right to restriction of processing (Art. 18)
- Right to data portability (Art. 20)
- Right to object to processing (Art. 21)
- Right to withdraw consent at any time
- Right to lodge a complaint with your national data protection authority
Legal bases for processing
- Consent: newsletter subscription, analytics cookies where required
- Contract performance: processing your loan application for routing
- Legitimate interests: editorial site operation, Site security, fraud prevention
- Legal obligation: compliance with applicable law
Our Site is operated from the United States and primarily serves US audiences. If you are an EU/UK resident, your data may be transferred to the United States; see Section 12.
10.Children's privacy
Our Site is not directed to children under 18, and we do not knowingly collect personal information from children under 18. Our editorial content covers consumer lending products that are not available to minors. If you believe a child has provided personal information to us, contact us and we will delete it promptly.
This policy complies with the Children's Online Privacy Protection Act (COPPA) for children under 13 in the United States.
11.Data security
We implement reasonable administrative, technical, and physical safeguards to protect information on our Site:
- HTTPS encryption on all pages (HSTS enabled)
- Content Security Policy headers limiting resource origins
- Encrypted data transmission to lending platform partners
- Access controls on administrative systems
- Regular security monitoring
No method of internet transmission or electronic storage is 100% secure. We cannot guarantee absolute security. In the event of a data incident affecting your information, we will notify you and the appropriate authorities as required by applicable law.
12.International data transfers
Our Site is hosted and operated in the United States. If you access the Site from outside the United States, information you provide will be transferred to and processed in the United States, which may have different data protection standards than your country of residence.
For transfers of personal data from the European Economic Area, United Kingdom, or Switzerland to the United States, we rely on Standard Contractual Clauses where applicable and other appropriate safeguards.
13.Changes to this policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last updated" date. Material changes will be flagged at the top of the Site for at least 30 days. Continued use of the Site after changes constitutes acceptance of the updated policy.
We archive previous versions of this policy and can provide them on request.
14.Contact us
For privacy questions, to exercise your rights, or to report a privacy concern:
- Email: privacy [at] integracreditusa [dot] com
- Postal: Integra Credit USA Privacy Team
We will respond within the timeframes required by applicable law. If you are not satisfied with our response, you may file a complaint with:
- California: California Privacy Protection Agency (cppa.ca.gov)
- Federal: Federal Trade Commission (ftc.gov)
- EU: your national data protection authority
- UK: Information Commissioner's Office (ico.org.uk)