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Privacy Policy

Last Revised: July 21, 2023

This website is owned and operated by Horizon Interactive, LLC (the “Company” or “EpicLoans”). This online privacy policy(“Privacy Policy”) is intended to describe and explain to you, the end user, how Epic Loans handles its data collection, retention, use, distribution, and protection practices in connection with Epic Loans (the “Website”). This privacy policy is applicable only to www.EpicLoans.com in connection with the data and information collected by this Website.

Agreement to this Privacy Policy: By using the Company’s website, you expressly agree to the Company’s Terms of Service and this Privacy Policy and consent to the use of your information in the manner described herein. If you do not unconditionally agree with our Terms of Service and all of the provisions of this Privacy Policy, please do not submit any personal information to, or make any other use of, our Website.

How We Use the Information We Collect

EpicLoans actively collects and stores only the information a user voluntarily provides to us, such as when you interact with our Website, submit a form, send us an email or message, sign up for our newsletter, or call us. Epic Loans uses this information only in connection with our users’ requests, to provide you with the products and services you have requested through our Website, and to complete such requests and transactions for you. Any financial information provided to Epic Loans will be used to evaluate the user’s eligibility for the financial services they have requested or additional services they may qualify for. We may also send you notifications about important updates, enhancements, and/or changes to our services, newsletters, or other subscriptions you may have opted in to receive. We may also send you special offers, updates, and other information we believe may be of interest to you.

Other Information We Collect Online

Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.

How We Collect and Use Other Information

We and our third-party service providers may collect and use Other Information in a variety of ways, including:

  • Through your browser or device: Certain information is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.
  • Using cookies: Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Website, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the Website in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how accountholders and visitors use the Website and to assist us with resolving questions regarding the Website. We also utilize cookies for advertising purposes. Please see the Advertising section below for more information. You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Website and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. The Website may not load or display properly. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.
  • Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Website pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Website. You understand and agree that we may use third party pixel tags, web beacons and/or clear GIFs that may give access to third parties to your information, including your IP address and browsing activities on pages of our websites where these devices are placed. You understand that we do not control any information gathered by such devices or their use by such third parties. Please see our Advertising section below for more information regarding our use of other technologies.
  • Google Analytics: We use a tool called “Google Analytics” to collect information about use of this Website. Google Analytics collects information such as how often users visit this Website, what pages they visit when they do so, and what other sites they used prior to coming to this Website. We use the information we get from Google Analytics only to improve this Website. Google Analytics collects only the IP address assigned to you on the date you visit this Website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this Website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this Website is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.
  • Flash objects: As part of our solutions for online authentication, we use Flash objects(sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Website. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We do not use Flash objects for any online behavioral advertising purpose. Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them –through the Adobe interface. If you choose to disable Flash objects from our Website, then you may not be able to access and use all or part of the Website or benefit from the information and services offered.
  • IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Website, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Website usage levels, helping diagnose server problems, advertising, for compliance and security purposes and administering the Website. Please see the Advertising section below for more information.
  • Aggregated and De-identified Data: Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.
Additional Information

Third party widgets – We may allow certain widgets (e.g., social share buttons) on our Websites that enable users to easily share information on another platform, such as asocial media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Websites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below

Retargeting – As you browse https://www.epicloans.com, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners, enable us to present you with retargeting advertising on other sites based on your previous interaction withhttps://www.epicloans.com and affiliated pages and sites. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number.

Google Interest Based Advertising Program – In order to enhance your experience when you visit our website, we participate in the Google Interest-based Advertising Program (“Program”) to ensure the advertisements on this Website correspond to your interests. We do this by working with Google and other Program participants who, like us, place ads on our Website and those of other Program Participants. We then share the information we collect using Web Cookies placed in your browser in order to provide you with targeted advertising when you visit the Website. You may opt out of Google’s use of cookies by visiting the Google Advertising Opt-Out Page.

Third-Party Web Beacons – We use third-party web beacons from Yahoo! to help analyze wherevisitors go and what they do while visiting our website. Yahoo! may also useanonymous information about your visits to this and other websites in order toimprove its products and services and provide advertisements about goods andservices of interest to you. If you would like more information about thispractice and to know your choices about not having this information used by Yahoo! click here or visit https://aim.yahoo.com/aim/us/en/optout/index.htm.

The Facebook Companies – Facebook owns and operates each of the companies listed below, in accordance with their respective terms of service and privacy policies. We may share information about you within the Facebook family of companies to assist in advertising our services. For more information on the Facebook Companies’ privacy practices and how they treat individuals’ information, please visit the following links:

Opt-Out Policy, Your Newsletter and Email Subscriptions

You can opt out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by replying to an existing email with your request to be removed from the mailing list.

Short Message Service (“SMS”)

We may make available a service through which you can receive financial advice on your wireless device via short message service(“SMS Service”). Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. We may also obtain the date, time and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies.

You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two way text-enabled phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

SMS and Phone Call Opt-in and Opt-Out

By providing your phone number and/or joining our SMS Service, you authorize us to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us.

You may opt out of receiving such phone calls or text messages to your mobile device at any time by emailing us your instructions [email protected]. You may also opt-out and remove your authorization to receive SMS text messages by replying or sending “STOP”, “END”,“QUIT”, “UNSUBSCRIBE”, or “CANCEL” to the Company.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Advertising

Epicloans.com advertises online (e.g., pages within our Websites and mobile apps through company managed social media presences, and on other sites and mobile apps not affiliated with Epicloans.com) and offline (e.g. through call centers, and direct marketing). In order to understand how advertising performs, we may collect certain information on our Websites and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Websites, search engine referrals, browsing activities over time and across other sites following your visit to one of our Websites or apps, and responses to advertisements and promotions on the Websites and on sites and apps where we advertise.

Epicloans.com uses information described in this Notice to help advertise our products and services in a variety of ways. We use such information to:

  • Present tailored ads, to you including:
  • Banner ads and splash ads and other mobility applications
  • E-mail, postal mail, and telemarketing, and,
  • On other sites and mobile apps not affiliated with Epicloans.com;
  • Analyze the effectiveness of our ads; and
  • Determine whether you might be interested in new products or services
How we tailor ads:
Relationship based advertising

In order to help make our advertising informative and useful, we may use information about your relationship with us(such as types of services, transactional information or the state in which you reside) to help determine which advertisements or offers to present to you.

Online Behavioral Advertising

We or our advertising service providers may use certain information about your activities on our Websites, such as pages visited and search key words entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising, which we may feel will be a benefit to you.

Advertising on third party sites and mobile apps

Epicloans.com may contract with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party sites and mobile apps are not subject to Epicloans.com Privacy Notices. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt out policies.

Online Behavioral Advertising on third party sites and mobile apps

Some of our tailored ads are online behavioral advertising, and may be served using data collected by third party providers. Ads served on our behalf by these companies do not contain unencrypted Personal Information and we limit the use of information by companies that serve our ads. To learn more about this practice and your choices in connection with it, see the section Advertising Choices below.

Advertising Choices

You may set your choices for advertising in the following ways:

Online Behavioral Advertising: If you prefer that we not use information based on online Website behavior to provide online and offline tailored content and advertising, you may opt out of online behavioral advertising by emailing us your request at [email protected].

EpicLoans Managed Direct Marketing: If you prefer that we not deliver you marketing offers in email, postal mail or through telemarketing you may manage your direct marketing choices by emailing us your requests at [email protected] or writing to us at Epicloans.com, 6360 NW 5th Way #302, Ft. Lauderdale, FL 33309

Important Reminder

In order for online behavioral advertising optouts from our Websites and on other sites to work on your device, your browser must beset to accept cookies. If you delete cookies, buy a new device, access our Website or other sites from a different device, login under a different screenname, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser’s security settings to validate whether scripting is active or disabled.

Linking to other sites

We may provide links to third party sites. If you follow links to sites not affiliated or controlled by Epicloans.com, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Websites. Epicloans.com does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Social media sites

Epicloans.com provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Epicloans.com managed social media pages, such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official Epicloans.com social media pages, you are also subject to Epicloans.com‘s Privacy Notices.

Using other aggregation websites

Other companies offer aggregation websites and services that allow you to consolidate your financial account information from different sources (such as your accounts with us or with other financial institutions) so that you can view all your account information at one online location. To do this, an aggregation provider may request access to Personal Information, such as financial information, usernames and passwords. You should use caution and ensure that the aggregator company has appropriate policies and practices to protect the privacy and security of any information you provide or to which they are gaining access. We are not responsible for the use or disclosure of any Personal Information accessed by any company or person to whom you provide your username and password.

If you provide your username, password or other information about your accounts with us to an aggregation website, we will consider that you have authorized all transactions or actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Website to ensure that the aggregation website cannot continue to access your account.

Making sure information is accurate

Keeping your information accurate and up to date is very important. If your information is incomplete, inaccurate or not current, please email or write to us at the appropriate address for changes listed on your service materials as provided by us.

Business Transitions

In the event that Epicloans.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via prominent notice on our website for 30 days of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.

Children Privacy

The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under 13 years of age. Epic Loans does not knowingly collector maintain personal information from anyone under the age of 13, unless or as permitted by law. If we become aware that we have inadvertently received personal information from a visitor under the age of 13,we will delete the information from our records. If you are the parent or legal guardian of a child under 13 who has submitted information through the use of our Services, please contact us at [email protected] to have that child’s information deleted.

By interacting with our Website in any way, you expressly represent and warrant that you are at least 18 years of age and you provide your consent to the data sharing practices described in this Privacy Policy. If you are under the age of 13, you are not authorized to use any Company Website or our Services.

Data and Information Sharing Practices with Third Parties

EpicLoans also works with third parties. The information users provide to Epic Loans may be shared with third party financial service partners to process the user’s information and further qualify the user for the services they have requested. Epic Loans third-party service provider partners are bound by confidentiality obligations and provide certain very specific services to users of the Website. When a user signs up for these services, EpicLoans shares the user’s contact and other personal information as necessary for the service provider to provide the requested services. Our partners are not permitted to use your personal information for any purpose other than providing the services that you have requested.

Your Choices Regarding the Use of Your Information

Unless you explicitly revoke the prior express consent, you gave during the signup process, you agree and consent to Epic Loans contacting you via email, landline or cellular phone or text message concerning specials, new promotions, new products, changes to this privacy policy or purely for advertising purposes. You may opt out of any future contact or marketing messages from EpicLoans at any time by contacting us at [email protected] . You may also review the data EpicLoans has collected about you, change or update your data, and request to have all data about you deleted. Please contact Epic Loans with any requests related to your data and privacy.

If you prefer that we not share your information with third parties for direct marketing purposes, you may opt out of such sharing by emailing us your request at [email protected].

If you previously consented to allow us to share your information with our marketing partners, affiliates or other affiliated entities by interacting with our Website and providing your consent, you will need to opt out of receiving communications from those marketing partners directly by visiting their websites and following the specific opt out instructions listed on their privacy policy for each type of communication you opted in to receive (Email/Text/SMS/Voicemail). Please note that, if you opt out of receiving emails from us, we may still send you email relating to future transactions you make with us, or emails about how you continue to use our services, or as described further elsewhere in this Privacy Policy.

This Website may link to other websites. Note that EpicLoans is not responsible for the content, data retention policies or privacy practices of other web sites. Users that leave our Website should read the privacy policies of other websites which collect personally identifiable information. Users should be aware when they exit Epic Loans and it is recommended they read the privacy policies of any other website that collects personally identifiable information.

Security

At Epic Loans, the security of your personal information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.

As discussed above, when you submit personal and other information via EpicLoans online form, you are consenting to the distribution of your information to potential providers of financial services, as well as third party lead aggregators. Be aware that if you are connected with a service or lead provider, they may retain your personal information whether or not you use their services. Should you have any questions concerning how they are storing or using your personal information you should contact these service and lead providers directly regarding their privacy policy as it may differ from EpicLoans.

You can access your personal information stored by Epic Loans or withdraw your consent to the collection and use of your information by contacting us directly at [email protected]. We will respond to your request within a reasonable time frame.

Changes to Privacy Policy

EpicLoans reserves the right to update or change their Privacy Policy at any time without any notice to you. We notify users that changes have been made to our Privacy Policy by updating the date it was last revised. Therefore, Epic Loans encourages you to review this Privacy Policy whenever you use any of the Company’s services or its Website in order to stay informed about the Company’s advertising and data collection practices related to information you share with us or that we may obtain from publicly available sources. By continuing to use the Company’s Services after we post any changes, you accept and agree to the modified Privacy Policy.

Notice to California Residents

Individuals who reside in California and have provided their personal information may request information concerning disclosure of this information to third parties for direct marketing purposes. Such requests must be submitted to us at the following mailing address:

6360 NW 5th Way #302, Ft. Lauderdale, FL 33309

With certain exceptions, residents of the State of California may also request (a) disclosure of personal information collected,(b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Epic Loans will not discriminate based on your exercise of such rights. If you are a California resident and want to make any such requests, please contact us through our website (www.EpicLoans.com) or [email protected] or at EpicLoans.com, 6360 NW 5th Way #302 Ft. Lauderdale, FL 33309

Accessing or Modifying Your Information

You may also access or change your personal information at any time; provided, however, that we may reject requests that are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or would be extremely impractical. We may also refuse a request to delete information if maintaining the information is required by law or is part of a fraud investigation, or as otherwise described in this Privacy Policy.

You may access and modify your personal information by contacting EpicLoans at [email protected].

For all mailed requests, you must put the statement”California Privacy Request” in the body of your request, as well asyour name, street address, city, state, and zip code. Please note that we arenot responsible for requests that are not labeled or sent properly, or that donot have complete information.

California consumers may also click the following link to opt out of the sale of their personal information: DO NOT SELL MY PERSONAL INFORMATION

California Do Not Track Disclosures

How do the Company’s websites handle “Do-Not-Track” signals?  We do not respond to Web browser “do not track” (DNT) signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities overtime and across third-party websites or online services.

Do the Company’s websites allow third-party behavioral tracking? No.

Can other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit one of the Company’s websites? Yes, as disclosed in this Privacy Policy.

Notice to Vermont Residents

Based on your consent, EpicLoans may share your information with nonaffiliated third parties to the extent authorized by this Privacy Policy and as allowed by Vermont regulations. As stated above, you may withdraw your consent to such sharing at any time by emailing us your requests at admin@EpicLoans.comand/or setting your browser not to allow cookies from our Website and/or changing your Privacy settings on other sites, such as those operated by the Facebook Companies, as appropriate.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing to [email protected]. Nevada law requires that we also provide you with the following contact information:

Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
Phone number: 702-486-3132
E-mail: [email protected]

Notice to Users Outside of the United States  

This Online Privacy Policy is intended to cover collection, processing, transmission, dissemination, analysis, copying and appending of information on our Services from residents of the United States. If you visit one of our websites, mobile apps, or interact with one of our other digital services from outside of the United States, please be aware that you are providing consent that your information may be transmitted to, stored, stored, copied, backed up and otherwise processed in the United States where our servers and system databases are located. The data protection, privacy laws and other laws of the United States and other countries which may pertain to your interaction with our Services might not be as comprehensive as those in your country. Therefore, by visiting our websites or otherwise interacting with our Services, you understand that your information may be transferred to our servers and databases which are housed in facilities located in the United States and which may be shared with third-parties with whom we share data and you therefore provide your express consent to our Privacy Policy, Terms of Use, and data sharing practices as described in this Notice.

To Contact Us

If you have any questions or concerns about this Privacy Policy, you may contact us by email at [email protected] .

PLEASE PRINT AND RETAIN A COPY OF THIS DIGITAL ONLINE PRIVACY POLICY FOR YOUR RECORDS.