Privacy Policy

This policy explains what information is collected when you use fernway-loans.com (the "Site"), who collects it and what happens to it. The Site is operated by fernway-loans.com("Fernway Loans", "we", "us").

Fernway Loans is not a lender. The Site lets you submit a loan request that is passed to lenders and lending partners.

1. The request form is run by our form partner

The loan request form on the Site is provided and operated by our lead-processing partner, Round Sky. What you type into the form goes directly to Round Sky and is not stored on our own systems. That information can include your name, address, email, phone number, date of birth, Social Security number, driver's licence details, employment and income details, and bank account details.

Round Sky shares your request with lenders, lending partners and other financial service providers in its network so they can decide whether to make you an offer, and with the marketing partners named in the form. The consents you give, and the terms, E-Consent, credit authorization and privacy notices that apply to your request, are shown in the form before you submit it. Please read them: they, and the privacy policy of any lender who contacts you, govern how your request information is used.

If you came from a partner's site where you already entered some details, the link may carry them (for example your name, email, phone number, address, ZIP code or the amount you want), so that the form opens already filled in. Those details are passed to the form and are not stored on our own systems or in our link records. You can change or remove them in the form before you submit it.

2. What we collect ourselves

• Technical data: IP address, approximate location derived from it, browser and device type, the page that referred you, and the date and time of your visit.
• Referral data: identifiers in the link that brought you here, such as a click ID and the ID of the publisher who referred you.
• Outcome data: whether a request submitted from the Site was accepted by a lender or lending partner, and the amount we were paid for it. This is linked to the click ID, not to your name.
• What you send us: your email address and message if you write to us or use the unsubscribe page.

3. How we use it

• to run and secure the Site and to detect fraud and invalid traffic;
• to measure which advertising brought visitors to the Site and to pay the publishers who referred them;
• to answer your requests, including opt-out and privacy requests;
• to meet legal, tax and accounting obligations.

4. Who we share it with

• Our form partner receives the click ID and referral identifiers together with your request, so the outcome can be reported back to us.
• The publisher who referred you is told that a visit from their link led to an accepted request and what they earned. They do not receive the information you typed into the form from us.
• Service providers that host the Site and our tracking systems, under contracts that limit how they use the data.
• Authorities and others where the law requires it, or to protect our rights or the rights of others.

We do not sell the information we collect ourselves.

5. Cookies

We do not set advertising cookies on the Site. The embedded request form is served by our form partner and may set its own cookies or use similar technologies to run the form, prevent fraud and remember your progress.

6. How long we keep it

Technical, referral and outcome data is kept for as long as we need it for the purposes above, generally no longer than 24 months, unless the law requires us to keep it longer. Opt-out requests are kept so that we can continue to honour them.

7. Your choices and rights

• To stop marketing emails or messages, use the unsubscribe link in the message or our unsubscribe page. Messages from a lender or another company must be stopped with that company.
• Depending on where you live (for example California and several other US states), you may have the right to ask what personal information a business holds about you, to have it corrected or deleted, and to opt out of its sale or sharing. Send such requests about data we hold to support@fernway-loans.com. For the information in your loan request, contact the form partner or the lender using the details in their privacy notices.
• We will not treat you differently for exercising these rights.

8. Security

The Site is served over an encrypted connection, and the request form is transmitted to our form partner over an encrypted connection. No method of transmission or storage is completely secure, so we cannot promise absolute security.

9. Children

The Site is for adults. It is not directed to anyone under 18, and we do not knowingly collect their data.

10. Changes and contact

We may update this policy; the date at the top shows the latest version. Questions and requests: support@fernway-loans.com.