Privacy Policy | ASBNow Loan Matching & Data Protection

Last Updated: March 26, 2026

Who we are

ASBNow helps consumers find online loan offers by matching applications to a network of lenders. Protecting your privacy and personal information is important to us. By using www.asbnow.com you agree to this Privacy Policy. Where legal terms are needed we keep them simple; where we can, we explain in plain language.

This policy was prepared by reviewing common practices in our industry and privacy notices of similar services to ensure transparency and clarity (including sources such as industry lender privacy notices).

Information We Collect

We collect two broad categories of information:

Personally Identifiable Information (PII)

These are the bits that identify you or are used in your loan application:

Full name
Email address and phone number
Postal address
Social Security number (SSN) or national ID (when required by a lender)
Date of birth
Employment and income information
Bank account or routing numbers (if supplied)
Loan amount requested and related financial data

We collect PII only when you provide it directly (forms, phone call, or upload) or when a lender partner requests it to evaluate your loan application. The purpose is strictly to find and match loan offers to you.

Non-Personal Information (Cookies, Device Data)

These are technical or aggregated data that do not, on their own, identify you:

Browser and device type, operating system, IP address
Pages visited, referrer URLs, and timestamps (site analytics)
Cookie identifiers and local storage data
Advertising IDs (on mobile) and click / conversion data

We use cookies and similar technologies to make the Site work, measure performance, and deliver more relevant offers. For more detail on cookies and choices, see Browser Cookies below.

What we collect and why

Category	Examples	Why we collect it
Identifying details	Name, SSN, DOB, address	To apply for loans on your behalf and verify identity
Contact info	Email, phone	To send application status, lender contacts, or important notices
Financial info	Income, bank data	To match to loan offers and confirm ability to repay
Device & usage	IP, browser, cookies	Site functionality, fraud prevention, analytics
Marketing preferences	opt-ins, opt-outs	Respect your communication choices

How We Use Your Information

We use your information only for specific, limited purposes:

To find loan options: we match your application to our network of lenders and forward required details to those lenders so they can evaluate your request.
To verify identity and eligibility: this may include identity verification checks, employment or income verification, and fraud prevention.
To communicate with you: application status, required documents, customer support, and service updates.
To comply with law and regulations: where required by law (e.g., anti-money-laundering or court orders).
Analytics & improvements: site performance, user experience, and marketing measurement.
Advertising and remarketing: only if you’ve not opted out; we may use aggregated data to serve relevant online ads.

We do not use your PII for purposes other than those listed above without your consent.

Sharing Information with Third Parties (Lenders & Partners)

ASBNow is not a lender. We operate a marketplace that transmits your application and information to third-party lenders (a “Network of Lenders”) so they can consider offers. We may also share data with:

Lenders and loan servicers in our partner network (to obtain offers).
Identity verification and fraud-prevention providers.
Payment processors (if you provide payment/banking data).
Analytics and advertising partners (in aggregated or pseudonymous form unless you consent otherwise).
Legal and regulatory bodies when required.

When we share your data with a lender, that lender’s own privacy policy and terms will govern how they use and protect your information. We are not responsible for the privacy practices of third-party lenders; please review their policies before agreeing to any offer.

We only share what is necessary for the lender to evaluate and process your application. We do not sell your information to “everyone.” We share information only with our lender partners for loan consideration or as permitted by law. (See the Q&A below for more on selling data and partners.)

Many similar loan matchmaking sites and lenders make clear they pass information to partner lenders and advise users to review lender privacy policies.

Security of Your Information

We take security seriously and use commercially reasonable measures to protect your information:

We use industry-standard technical controls and organizational measures to protect data in transit and at rest (including SSL/TLS encryption for data in transit).
Sensitive data (like SSNs) are handled with strong protections and stored on secure servers with access controls.
Access to PII is limited to employees, contractors, and partner service providers who need that access to perform their job.
We maintain administrative, physical, and technical safeguards designed to protect your information.

While we use commercially reasonable efforts and industry-standard measures to protect information, no system is 100% secure. We cannot absolutely guarantee the security of your data.

In response to common concerns, your Social Security Number (SSN) is protected using strong security standards, including 256-bit SSL encryption during transmission and secure storage systems with restricted access. We use commercially reasonable efforts to safeguard this information in line with industry best practices.

Q&A

Yes. We use strong encryption and access controls when SSNs are transmitted and stored. For example, data in transit is protected with SSL/TLS and stored on secure servers with restricted access. We adopt commercially reasonable methods consistent with industry practice to protect SSNs, but no method is infallible.

No. We do not sell your personal information to the general public. We share information only with our lender partners and necessary service providers to obtain and service loan offers. Where required by law or under certain regulatory definitions (such as some state privacy laws), we will disclose whether data is sold and provide a way to opt out. See the Your Rights & Choices section for opt-out instructions.

Your Rights & Choices (Opt-out, CCPA, etc.)

You have choices about how your data is used and shared.

Opt-out of marketing communications: You can unsubscribe from promotional emails or text messages using the link or instructions in those messages or by emailing us at email@asbnow.com.
Cookie choices: Most browsers let you refuse or delete cookies. See the Browser Cookies section below for details.
California privacy rights (CCPA/CPRA): California residents can request disclosure of the categories of personal information collected, the categories of third parties with which we share personal information, and request deletion of personal information where applicable. California residents may also have the right to opt out of the sale of personal information where that term applies. For California-specific requests, contact us at email@asbnow.com or use any designated opt-out tools we make available.
Access and correction: You can request access to, correct, or update your personal information by contacting email@asbnow.com. We will respond as required by law.
Right to delete: Where required by local law, you may request deletion of your personal information; we may retain certain data when necessary for legal compliance, fraud prevention, or to complete a transaction you requested.

To exercise any of these rights, contact email@asbnow.com and include sufficient information to identify you and your request.

Retention of Information

We retain personal information only as long as necessary to fulfill the purposes described above, to comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary by data type and legal requirement (for example, tax or regulatory records may have longer retention requirements).

Browser Cookies, Tracking & Advertising

We use cookies and similar technologies to:

Keep you logged in and make forms work
Remember preferences and language settings
Analyze site usage to improve performance (analytics)
Serve relevant advertising and measure ad performance

Types of cookies we use:

Essential cookies: required for site operation.
Performance & analytics cookies: help us understand how the Site is used.
Advertising cookies / remarketing: used by third parties to deliver relevant offers.

You can manage cookie choices via your browser settings or by using any cookie preference tool we provide on the Site. Opting out of advertising cookies will affect ad personalization but won’t prevent you from using the Site.

Children’s Privacy

The Site is not intended for children under the age the law defines as the age of consent (commonly 13). We do not knowingly collect personal information from children. If we learn we’ve collected personal data from a child without parental consent, we will take steps to delete it. If you believe we have any such information, please contact email@asbnow.com.

International Transfers

If you are outside the United States, your information may be processed or stored in the U.S. or other countries where our partners or processors operate. We will take reasonable steps to ensure appropriate safeguards are in place for international transfers (such as contractual protections).

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes to our practices, legal requirements, or for operational reasons. When material changes are made we will post the revised policy on this page with an updated Last Updated date.

Contact Us

If you have questions, requests, or concerns about this Privacy Policy or the handling of your personal information, contact:

Email: email@asbnow.com

ASBNow is a loan-service and marketplace platform — not a lender. This website provides a service that connects consumers with third-party lenders and financial partners who may consider your request for credit. We do not underwrite loans, we do not make credit decisions, and we do not guarantee that any visitor who submits an inquiry will receive an offer, be approved, or be funded. Submitting a request through ASBNow is voluntary and does not obligate you or any lender to enter into a loan agreement. We collect and transmit the information you provide to participating lenders and partners so they can review your application. That transmission does not create a contractual obligation on the part of any lender to extend credit, nor does it guarantee that an offer will be made. ASBNow does not endorse or recommend any specific lender or lending product. We do not charge visitors a fee to use this site. All questions about the terms, costs, servicing, or collection of a particular loan should be directed to the lender or loan servicer that issues the offer. If a lender requires additional documentation (for example, identity or income verification), you may be asked to provide it by email, secure upload, fax, or other methods the lender specifies. Timing for funding varies. Even if a lender issues an approval or decision quickly, the time it takes for funds to post to your account depends on the lender’s processes, the funding method, your bank’s posting windows, and the lender’s cutoff times. Weekend and holiday processing can also affect timing. ASBNow is not responsible for delays in disbursement or bank posting. Availability of products and services differs by state due to licensing, regulatory requirements, and lender participation. Not all products are available in every state. Before you submit an application, check whether offers shown to you are available where you live. Credit checks may be performed by lenders as part of their evaluation. These checks may include soft inquiries (which generally do not affect your credit score), hard inquiries (which may affect your credit score), or the use of alternative data sources. Lenders may obtain consumer reports from major consumer reporting agencies (such as Equifax, Experian, and TransUnion) or other sources to verify credit history and identity. By submitting a request, you acknowledge and agree that your personal information may be shared with third-party lenders and partners and that lenders may obtain credit reports or other information necessary to evaluate your application. Be aware of scams: legitimate lenders will not demand payment before disbursing funds and will provide clear disclosures regarding fees and repayment terms. If you are asked to pay an upfront fee to secure a loan, or if a lender pressures you to act immediately without providing written disclosures, pause and verify licensing and identity before sharing additional personal information. This site provides educational information and matchmaking services only; it is not a substitute for independent financial, tax, or legal advice. If you have questions about an offer, a loan’s terms, or your rights, contact the lender directly or consult your own advisor. For details on how we collect, use, and share personal information, please review our Privacy Policy. Your use of this site and submission of a request constitutes your agreement to the foregoing and your acknowledgment that ASBNow is a service that facilitates loan inquiries — not a lender, creditor, or loan servicer.