Privacy Policy

1. Information We Collect

ScratchPay collects information you provide directly to us, including:

• Personal Information: Name, email address, phone number, date of birth, Social Security Number (last 4 digits), address, and ZIP code.
• Financial Information: Income, employment information, bank account information (for direct deposit), and credit history.
• Device Information: IP address, browser type, operating system, and device identifiers.

2. How We Use Your Information

We use the information we collect to:

• Process your loan application and connect you with lending partners
• Verify your identity and assess your creditworthiness
• Communicate with you about your application and loan offers
• Comply with legal obligations and prevent fraud
• Send you marketing communications (with your consent)

3. Information Sharing

We do NOT sell your personal information. We may share your information with:

• Lending Partners: To process your loan application and provide you with loan offers
• Service Providers: Third parties that perform services on our behalf (e.g., data processing, credit reporting)
• Credit Bureaus: To verify your identity and assess creditworthiness
• Legal Authorities: When required by law or to protect our rights

4. Credit Authorization

By submitting an application, you authorize ScratchPay and its lending partners to:

• Access your credit report through one or more credit reporting agencies
• Verify information you provide
• Consider your application for credit

This authorization will remain in effect until you explicitly revoke it in writing.

5. Data Security

We implement industry-standard security measures to protect your information, including:

• 256-bit SSL encryption for all data transmissions
• Secure servers with firewall protection
• Regular security audits and vulnerability assessments
• Restricted access to personal information

Despite our efforts, no method of transmission over the Internet is 100% secure.

6. Your Privacy Rights

Under applicable law, you have the right to:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt-out of marketing communications

To exercise these rights, contact us at: support@scratchpaywellpet.com

7. Cookies and Tracking

We use cookies and similar technologies to:

• Remember your preferences
• Analyze site traffic and user behavior
• Improve our services

You can disable cookies in your browser settings, but this may affect site functionality.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

9. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of material changes by:

• Posting the new policy on our website
• Sending an email notification (if you provided an email address)

Your continued use of our services after the effective date constitutes acceptance of the changes.

10. Contact Us

For questions about this privacy policy or our data practices, contact: