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Website Privacy Policy

Last Updated: January 1, 2025

Ensuring the privacy and confidentiality of the personal information of our website users (“you” or “your”) is important to Forward Refi and ForwardRefi.com (“Forward Refi,” “we,” “us,” or “our”). This Website Privacy Policy describes our privacy and security practices concerning the information we collect in connection with the ForwardRefi.com website, located at www.forwardrefi.com, or any other website operated by Forward Refi (“Site”). This Website Privacy Policy explains our online practices and how we collect, use, and protect your information. The Website Privacy Policy may be changed or updated without prior notice to you. By visiting our Site, or using any products or services offered therefrom (“Services”), you acknowledge your agreement to be bound by the practices described in this Website Privacy Policy. Our Website Privacy Policy applies to all consumers who visit or use our Site, or use our Services, and we encourage you to read through and review it each time you access the Site or use our Services. The Services are exclusively hosted in the United States. If you do not agree with this Website Privacy Policy, we ask that you not use the Site or our Services.

Information We Collect Online

We collect “non-personal information” about Site users and “Personal Information” from individuals that use our Services.

“Personal Information” means personally identifiable information, which is information that we can directly associate with a specific person without additional information.

“Non-personal information” is information that we cannot directly associate with a specific person without the aid of additional information. When we combine Personal Information and non-personal information, we treat the combined information as Personal Information.

Certain Personal Information that you provide to us or to those businesses with which we have a relationship in order to apply for or receive a financial product or service may be considered non-public personal information (“NPPI”) under the federal Gramm-Leach-Bliley Act (“GLBA”) and certain state laws. When you enter into a financial relationship with us (and, in any event, before we disclose NPPI in a manner that requires us to provide you with an opportunity to opt-out of such disclosure), we will provide you with a separate GLBA notice, which is entitled “What Does Forward Refi Do With Your Personal Information?” (the “GLBA Privacy Notice”).

Personal Information

You can visit our Site without submitting any personal information. However, if you use certain features or Services, such as completing and submitting our contact form or inquiry to refinance your auto loan, you will be required to provide personal information. Below is a list of the type of information we may collect:

  • Name
  • Date of Birth
  • Address
  • Email address

We may combine Personal Information collected through the Site or your use of the Services with other information that we, or third parties, collect about you in other contexts—such as our communications with you via email or on the phone. As discussed above, combined information is treated as personal information.

We may use the Personal Information as follows:

  • To respond to your request(s);
  • To provide you with the Services;
  • To contact you regarding your interest in refinancing;
  • To personalize your experience on our Site;
  • Upon your written instructions, to request information about your credit profile and other information from consumer reporting agencies;
  • For business purposes, including data analysis, developing products and services, and enhancing our Site; and
  • For risk control, fraud detection and prevention, and to comply with laws and regulations.

We share Personal Information about users as described in this Website Privacy Policy, our GLBA Privacy Notice, with the user’s consent for the purposes identified in the consent, and as otherwise permitted or required by law. With your consent, we share Personal Information with lenders in our network to fulfill your inquiry about or apply to refinance an auto loan, and with our service providers to process your inquiry or request. For more detail on how we may share Personal Information, please see our GLBA Privacy Notice.

Forward Refi reserves the right to disclose personally identifiable information provided by users if required by law, if Forward Refi reasonably believes that disclosure is necessary to protect Forward Refi’s rights, or to comply with a judicial proceeding, court order, or legal process.

Non-Personal Information

We employ commonly used information-gathering tools to collect non-personal information as users navigate our Site, such as cookies. Below is a list of the type of non-personal information we may collect:

  • Your IP address;
  • Browser information;
  • Device identifier information;
  • The date and time you visit our Site;
  • Websites you may have visited before visiting our Site; and
  • Other information collected through cookies, web beacons/pixel tags, and other technologies.

We may use the non-personal information as follows:

  • Cookies: Forward Refi uses cookies to better accommodate and serve visitors to our Site, improve visitors’ experiences on our Site, understand conversion paths and durations, and optimize website design and content. When a user visits the Site, Forward Refi’s servers send a cookie to the user’s computer. By themselves, cookies recognize a user’s web browser and do not personally identify individual users. Unless a Site user chooses to identify himself or herself to Forward Refi, such as by filling out a web form, users remain anonymous to Forward Refi.

There are two types of cookies used by this Site: session and persistent. Session cookies are transient and exist only during one session. They disappear from a Site user’s computer when the user closes his or her browser software or turns off his or her computer. Persistent cookies remain on a user’s computer after the user closes his or her browser or turns off his or her computer.

  • Web Beacons: Forward Refi uses web beacons, also known as pixel tags, alone or in conjunction with cookies to compile information about users’ usage of the Site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you view a particular website tied to the web beacon, and a description of a website tied to the web beacon. For example, Forward Refi may place web beacons in marketing emails that notify Forward Refi when you click on a link in the email that directs you to the Site. Forward Refi uses web beacons to operate and improve our website and email communications and to analyze the performance of our marketing campaigns.
  • IP Addresses: When you visit Forward Refi, we collect your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, Forward Refi uses IP addresses to monitor the regions from which users navigate the Site.
  • Third-Party Cookies: Forward Refi may periodically engage third-party service providers to track and analyze non-personally identifiable statistical usage and traffic information from Site visitors. Forward Refi may also use other third-party cookies to track the performance of Forward Refi advertising. The information provided to such third parties does not include personal information, but this information may be re-associated with personal information after Forward Refi receives it. Please note that Forward Refi cannot control cookies used by third parties.
  • Interest-Based Advertising: Interest-based advertising, also known as online behavioral advertising, uses information collected across multiple websites that you visit in order to help predict your preferences and show you advertisements that are more likely to be of interest to you. This Site uses cookies and other tracking technologies to collect information about your online activities over time and across different websites, including when you visit our Site.

We use this non-personal information to recognize users when they return to our Site, analyze how users use the Site, improve the Site, and enhance users’ experience with the Site. We may also use non-personal information, such as from cookies, to combine it with Personal Information, and in such event, will treat it as Personal Information, as described above.

We share non-personal information with certain third parties for the purposes described above, including analyzing, and audit, research, and report on website usage. Forward Refi also uses third-party service providers to help us manage and improve the Site and other Forward Refi services. For example, we use third parties to host our website and our online portal, and to help us target and implement our email communications and direct mailings.

Do Not Track and Opt-Out

Our Site responds to “Do Not Track” signals and similar universal opt-out mechanisms on internet browsers.

We may use Google and other third parties to serve advertisements to our users after they visited our website. For more information on how to opt-out of that practice by companies participating in industry self-regulation, please visit http://optout.aboutads.info.

The Site also enables third-party tracking mechanisms to collect your non-personal information for use in online behavioral advertising. For example, third parties may use the fact that you visited the Site to target online ads for Forward Refi services to you on non-Forward Refi websites. In addition, our third-party advertising networks might use information about your use of the Site to help target non-Forward Refi advertisements based on your online behavior in general. For information about behavioral advertising practices, including privacy and confidentiality, visit the Network Advertising Initiative website or the Digital Advertising Alliance website.

The use of online tracking mechanisms by third parties is subject to those third parties’ own privacy policies, and not this Policy. If you prefer to prevent third parties from setting and accessing cookies on your computer, you may set your browser to block cookies. Additionally, you may remove yourself from the targeted advertising of companies within the Network Advertising Initiative by opting out here, or of companies participating in the Digital Advertising Alliance program by opting out here. Although our website currently does not respond to “do not track” browser headers, you can limit tracking through these third-party programs and by taking the other steps discussed above.

Personal Information on Children

The Services are intended for use by individuals who are at least 18 years old and who are legally capable of entering into a contract. If you are under the age of 18, you should not be visiting the Site. We do not knowingly collect or retain personal information from children under the age of 13. If you are under the age of 13 and are visiting or otherwise using the Site, you are expressly prohibited from using our services and are advised not to disclose or provide any personally identifiable information on the Site.

How We Protect Your Information

We use commercially reasonable physical, electronic, and procedural safeguards to protect your personal information against loss or unauthorized access, use, modification, or deletion.

Changes to this Statement

Forward Refi may, from time to time, update or change this Website Privacy Policy, so you should review it periodically. Your continued use of the Site after any changes are posted will be deemed to constitute your agreement to, and acceptance of, such changes to this Website Privacy Policy. The effective date of this Website Privacy Policy is shown above, at the top of this Website Privacy Policy. This date indicates the date of the most recent revision.

Supplemental Privacy Notice to California, Colorado, and Oregon Residents

This Supplemental Website Privacy Notice (“Supplemental Notice”) describes how Forward Refi (“Forward Refi,” “we,” “our,” or “us”) collects, uses, and shares your information it receives about you from your access or use of the applications, software, websites, content, products, and services (collectively, the “Services”) made available in the United States by Forward Refi. This Supplemental Notice is parallel in scope to our Privacy Policy but applies only to information collected about California, Colorado, and Oregon residents.

This Supplemental Notice covers “Personal Data,” that is, information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal Data does not include:

  • Publicly available information from government records.
  • Deidentified or aggregated consumer information.
  • Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), or the Driver’s Privacy Protection Act of 1994.

Residents of these states may have the right to request:

  • That we disclose:
    • The categories and specific pieces of Personal Data we collected, used, disclosed, and sold during the past twelve months.
    • The categories of sources from which their Personal Data was collected.
    • Our business or commercial purposes for collecting or selling their Personal Data.
    • The categories of third parties with whom we shared their Personal Data.
  • Deletion of the Personal Data we have collected from them.
  • Correction of the Personal Data we have collected from them.
  • To obtain the Personal Data in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the Personal Data to another entity without hindrance.

You may also have the right to opt out of certain processing, including:

  • The sale of Personal Data.
  • Targeted advertising.
  • Profiling in furtherance of decisions that produce legal or similarly significant effects.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Forward Refi
625 The City Drive, Suite 450
Orange, CA 92868
info@forwardrefi.com
702-659-5259

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