How Clear Air Lending collects, uses, safeguards, and protects your personal and financial information.
Clear Air Lending ("Clear Air Lending," "we," "our," or "us"), operating at clearairslending.com, provides a free, consumer-facing online loan connection and referral platform. We connect prospective borrowers with third-party lenders, lending networks, and financial service partners participating in our national network.
This Privacy Policy applies to all individuals who access our website, utilize our financial calculation tools, communicate with our customer support team, or submit an online loan inquiry. Because our service involves the collection and transmission of non-public personal financial information, our practices are structured in compliance with the Gramm-Leach-Bliley Act (GLBA, 15 U.S.C. § 6801 et seq.), the Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.), and applicable federal and state data protection laws.
Clear Air Lending is an independent matching platform, not a direct lender, loan broker, depository institution, or credit reporting agency. We do not make credit decisions, underwrite loans, or issue funds. When you submit a request, your information is securely transmitted to participating lending partners to evaluate your loan eligibility.
To evaluate your loan request and connect you with appropriate lenders in our network, we collect various categories of personal, financial, and technical information. The table below summarizes the specific categories, examples, and sources of data collected:
| Category | Data Elements Collected | Primary Source |
|---|---|---|
| Personal Identifiers | Full legal name, date of birth, Social Security Number (SSN), driver's license or state identification number, residential address, email address, and primary telephone number. | Direct consumer entry on loan inquiry forms |
| Employment & Income Data | Employment status (employed, self-employed, military, retired, benefit recipient), employer name, job title, length of employment, gross monthly income, pay frequency, and next pay dates. | Direct consumer entry & employer verification channels |
| Banking & Financial Data | Bank name, checking account type, routing transit number (ABA), account number, account longevity, and direct deposit enrollment indicator. | Direct consumer entry (used strictly for loan disbursement & verification) |
| Loan Request Parameters | Requested loan amount ($500 to $50,000), primary borrowing purpose (e.g., debt consolidation, home improvement, emergency expense), estimated credit self-assessment, and preferred repayment duration. | Direct consumer entry on interactive tools & forms |
| Technical & Device Data | Internet Protocol (IP) address, operating system, browser type and version, mobile carrier, device fingerprint, geographic location (city/state level), time zone, and referring/exit URLs. | Automated collection technologies, server logs, and tracking pixels |
| Interaction & Usage Data | Pages viewed, navigation pathways, time spent on site, form completion milestones, click patterns, and customer support correspondence timestamps. | Analytics scripts and session monitoring tools |
We collect information through three primary mechanisms:
We process your personal and financial information strictly for legitimate commercial, operational, and regulatory purposes, including:
We do not sell, rent, or lease your personal identification information to non-financial consumer marketing companies for independent solicitation. We share information only under the following controlled circumstances:
When you submit a loan inquiry, you authorize us to transmit your submitted data (including personal identifiers, income details, and banking information) via encrypted API connections to participating lenders and network aggregators so they may evaluate your credit eligibility and present tailored loan offers.
We share data with trusted third-party technology contractors who assist us in operating our platform under binding confidentiality and data protection agreements, including:
We may disclose personal information when required to do so by applicable law, court order, grand jury subpoena, regulatory examination, or governmental inquiry. We also disclose information when necessary to enforce our Terms of Use, protect our legal rights, or investigate suspected financial fraud.
In the event of a merger, acquisition, corporate reorganization, asset sale, or bankruptcy proceeding, consumer information maintained by Clear Air Lending may be transferred as an acquired business asset, subject to the terms of this Privacy Policy.
Under the federal Gramm-Leach-Bliley Act (GLBA), financial institutions and loan referral marketplaces are required to disclose their information-sharing practices and provide consumers with choices regarding how non-public personal information (NPI) is shared.
| Reasons We May Share Your Information | Do We Share? | Can You Limit This Sharing? |
|---|---|---|
| For our everyday business purposes: To process your loan inquiry, match with lenders, maintain security, and report to regulatory authorities. | Yes | No (Mandatory for service delivery) |
| For our marketing purposes: To offer you relevant loan products, calculators, and educational borrowing tools. | Yes | Yes (Via Email/SMS Opt-Out) |
| For joint marketing with other financial companies: To connect you with financial products such as debt relief or credit monitoring when loan matches are unavailable. | Yes | Yes (Via Consumer Opt-Out) |
| For non-affiliates to market to you independently: Sharing with unrelated non-financial third parties. | No | Not Applicable (We do not share) |
Clear Air Lending and our analytical service partners utilize cookies, pixels, and web beacons to facilitate site navigation and evaluate traffic trends.
Managing Cookies & Do Not Track: You can configure your browser settings to reject cookies or notify you when a cookie is placed. Note that disabling essential cookies may impact certain interactive features on our website. Our systems currently respond to Global Privacy Control (GPC) signals in accordance with state consumer privacy statutes.
We maintain comprehensive physical, electronic, administrative, and procedural safeguards engineered to protect consumer data against unauthorized access, destruction, loss, or alteration:
We retain personal and financial records only for as long as reasonably necessary to fulfill the purposes for which it was collected, satisfy legal, tax, accounting, or regulatory requirements, and resolve disputes. As a general standard, loan inquiry records are retained for a minimum of three (3) to seven (7) years to comply with federal lending record-keeping rules and state statute of limitations.
Upon the expiration of the required retention period, consumer records are permanently de-identified or destroyed via secure cryptographic erasure protocols.
Residents of specific states enjoy supplementary statutory rights regarding their personal data under state privacy frameworks, including California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), and Utah (UCPA).
If you are a California resident, you possess the following rights, subject to certain legal exceptions (note that financial data governed under the federal Gramm-Leach-Bliley Act is exempt from certain CCPA provisions):
Submitting a Verified Consumer Request: California and other eligible state residents may exercise their privacy rights by submitting a request via email to support@clearairslending.com with the subject line "State Privacy Rights Request". We will verify your identity before processing your request in accordance with statutory timelines.
Clear Air Lending is strictly intended for adult consumers of legal borrowing age. Our website and loan matching services are not directed to individuals under the age of 18. We do not knowingly collect, solicit, or maintain personal information from children under 13 or minors under 18. If we become aware that an individual under 18 has submitted personal information, we will immediately delete such data from our databases.
We respect your preferences regarding marketing and promotional communications:
Our website may contain hyperlinks to external websites, including participating lenders, loan servicers, and educational financial resources. Once you leave clearairslending.com or are redirected to a matched lender's portal to finalize a loan agreement, our Privacy Policy ceases to govern. We strongly advise reviewing the privacy policies and security terms of each third-party lender before providing additional sensitive data.
We reserve the right to revise or update this Privacy Policy periodically to reflect changes in our data practices, technological developments, or evolving legal frameworks. When updates occur, we will update the "Last Updated" timestamp at the top of this page. We encourage visitors to review this page periodically to stay informed about our data safeguarding measures.
If you have any questions, concerns, or requests regarding this Privacy Policy or our information handling practices, please contact our Data Protection and Privacy Compliance Office:
Attn: Data Protection Officer