Privacy Policy

1Introduction & Who We Are

CraneFinanceNow.com ("we," "us," "our") is an independent financial information and comparison website operated in the United States. We provide educational content, lender reviews, loan comparisons, and financial tools to help consumers make informed borrowing decisions.

We are not a lender, broker, or credit counselor. We do not originate, approve, or fund loans. When you use this site, you are accessing independent editorial content — not a direct lending service.

This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit cranefinancenow.com. Please read it carefully. By using this site, you consent to the practices described here.

2Information We Collect

2.1 Information You Provide Directly

When you fill out forms on our site — such as loan inquiry forms, newsletter sign-ups, or contact forms — we may collect:

• Full name and contact details (email address, phone number)
• State of residence
• Financial information (loan amount requested, income, employment status)
• Date of birth and government ID type (for loan applications only)
• Banking account type (checking or savings)

2.2 Information Collected Automatically

When you visit our site, our servers and analytics tools automatically collect technical information including:

• IP address and approximate geographic location (city/state level)
• Browser type, version, and device type (desktop, mobile, tablet)
• Operating system
• Pages visited, time spent on each page, and navigation path
• Referring website or search terms that brought you here
• Date and time of each visit

2.3 Cookies and Similar Technologies

We use cookies, pixel tags, and similar tracking technologies. See Section 6 for full details on our cookie practices and your opt-out options.

3How We Use Your Information

We use the information we collect for the following purposes:

• Connecting you with lending partners: If you submit a loan inquiry, your information is transmitted to lending network partners who may contact you with loan offers. This only occurs with your explicit consent via form submission.
• Operating and improving our site: We use analytics data to understand how visitors use our site and improve content, navigation, and tools.
• Communications: If you opt in, we may send newsletters, rate alerts, or educational content related to consumer lending.
• Security and fraud prevention: We monitor for unusual activity that may indicate fraud, abuse, or security threats.
• Legal compliance: We retain certain records as required by law and to enforce our terms.
• Research and analytics: We use aggregated, de-identified data for internal research and site improvement.

4Information Sharing & Disclosure

We share your personal information only in the following circumstances:

4.1 Lending Partners (With Your Consent)

When you submit a loan inquiry form, you consent to sharing your information with our network of lending partners and their affiliates. These partners may contact you by phone, email, or text message regarding loan products. Each partner operates under its own privacy policy.

4.2 Service Providers

We engage third-party service providers who process data on our behalf under confidentiality agreements, including:

• Analytics providers (Google Analytics, similar)
• Email marketing platforms
• Hosting and infrastructure providers
• Form processing and CRM tools

4.3 Legal Requirements

We may disclose information when legally required — for example, in response to a valid court order, subpoena, government investigation, or when we believe disclosure is necessary to protect our legal rights or prevent imminent harm.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, user data may be transferred as part of the transaction. We will notify you via email or prominent site notice before your data becomes subject to a materially different privacy policy.

5Your Privacy Rights

5.1 California Residents (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know: Request disclosure of what personal information we have collected about you and why
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out of Sale: We do not sell personal information. However, certain sharing with advertising partners may constitute a "sale" under CCPA — you may opt out via our Do Not Sell My Personal Information link
• Right to Non-Discrimination: We will not discriminate against you for exercising any CCPA rights

5.2 Nevada Residents

Nevada residents may opt out of the sale of personally identifiable information by emailing [email protected] with the subject line "Nevada Opt-Out."

5.3 All Users

All users may:

• Opt out of marketing emails using the unsubscribe link in any email we send
• Request access to or deletion of your personal information by contacting us at [email protected]
• Update or correct inaccurate information by contacting us directly

We will respond to verified requests within 45 days. Some requests may require identity verification before processing.

6Cookies & Tracking Technologies

We use the following types of cookies and tracking technologies:

6.1 Essential Cookies

These cookies are required for the site to function. They cannot be disabled. They include session management and security tokens.

6.2 Analytics Cookies

We use Google Analytics and similar tools to understand how visitors interact with our site. These cookies collect data about pages visited, session duration, and user behavior in aggregate form. This data is anonymized and does not identify individual users.

6.3 Marketing & Affiliate Tracking

When you click on a link to a lending partner, cookies and pixel tags may be set to track the referral for affiliate commission purposes. This is how we earn revenue that supports free site operation.

6.4 Managing Cookies

You can control cookies through your browser settings. Most browsers allow you to block, delete, or be notified about cookies. Note that blocking certain cookies may affect site functionality. You may also opt out of Google Analytics data collection by installing the Google Analytics Opt-out Browser Add-on.

7Affiliate Relationship & FTC Disclosure

Federal Trade Commission (FTC) regulations require us to disclose our material connections with lending companies and other financial service providers featured on this site.

Specifically:

• We earn affiliate commissions from lending networks and individual lenders
• Some lenders may pay for enhanced placement or featured status
• All paid placements are labeled as "Sponsored" or "Featured"
• Our editorial team independently researches and rates lenders regardless of compensation relationships
• We disclose all material relationships per FTC guidelines 16 C.F.R. Part 255

If you would like more information about our affiliate relationships with specific lenders, please contact us at [email protected].

8Data Security

We implement reasonable technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• SSL/TLS encryption (HTTPS) for all data transmitted to and from our site
• Restricted access to personal data on a need-to-know basis
• Regular security reviews of our systems and practices
• Contractual data security requirements with all service providers

9Data Retention

We retain personal information only as long as necessary for the purposes described in this policy, including to satisfy legal obligations, resolve disputes, and enforce agreements.

Typical retention periods:

• Loan inquiry data: Up to 2 years after submission, or until you request deletion
• Analytics data: Up to 26 months in aggregated form
• Email marketing records: Until you unsubscribe, then deleted within 30 days
• Legal and compliance records: As required by applicable law (typically 3–7 years)

To request early deletion of your data, contact [email protected] with the subject line "Data Deletion Request."

10Children's Privacy

CraneFinanceNow.com is not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. Loan products and financial services discussed on this site are available only to adults who meet lender eligibility requirements, which include being at least 18 years of age.

If we discover that we have collected personal information from a person under 18 without parental consent, we will promptly delete that information. If you believe we may have inadvertently collected information from a minor, please contact us immediately at [email protected].

11External Links & Third-Party Sites

Our site contains links to third-party websites, including lender sites, government resources, and consumer protection agencies. When you click a link to leave our site, this Privacy Policy no longer applies. We encourage you to read the privacy policy of every website you visit.

We are not responsible for the privacy practices, content, or security of any third-party websites. Our inclusion of a link to a third-party site does not constitute our endorsement of that site's privacy practices.

12Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or site features. When we make material changes, we will:

• Update the "Last Updated" date at the top of this policy
• Post a notice on our homepage for at least 30 days following significant changes
• Send email notification to registered users for significant changes (where applicable)

Your continued use of CraneFinanceNow.com after any changes to this policy constitutes acceptance of the updated policy. If you disagree with any changes, you should stop using the site and contact us to request deletion of your personal information.

13Contact Us

For privacy-related questions, requests, or concerns, please contact our Privacy Team: