Privacy Policy

Last updated: November 2026

This Privacy Policy explains how Challenge Advertising & Associates, Inc. (“Challenge Associates,” “we,” “our,” “us”) collects, uses and shares information when you use our website, our app or our loan matching service. Because we are a matching service, not a lender, sharing your request with participating lenders, with your consent, is how our service works.

1. Information we collect

Information you give us when you submit a request, use the app or contact us:

• Identity and contact details: name, address, email, phone number, date of birth and Social Security Number where a lender requires it
• Financial details: requested amount and purpose, income, pay schedule, employer, and bank name, routing and account numbers
• Identification: driver’s license or state ID number and issuing state

Information collected automatically: IP address, device and browser type, pages and screens viewed, referring website, and the date and time of your visit, collected through cookies, SDKs and similar technologies.

2. How we use your information

• To connect your request with participating lenders who may be able to help
• To verify your identity and help prevent fraud
• To contact you about your request and, with your consent, about other offers
• To operate, secure and improve our website and app
• To comply with legal obligations and respond to lawful requests

3. How we share your information

Participating lenders and marketing partners. When you submit a request and agree to share it, we share the information in it with participating lenders and partners so they can evaluate your request and contact you. They pay us for this. Once a lender receives your information, its own privacy policy governs how it uses it.

Verification and data providers such as credit bureaus and identity and fraud-prevention services, used by lenders and partners to evaluate your request.

Service providers who host our website and app, process data or help with support, under contracts that limit their use of your information.

Legal and safety. When required by law, subpoena or court order, or to protect our rights, users or the public.

Business transfers. In connection with a merger, acquisition or sale of all or part of our business.

4. Cookies and tracking

We use cookies and similar tools to keep our website working, understand how it is used and measure our marketing. You can block or delete cookies in your browser. We honor Global Privacy Control (GPC) signals as a request to opt out of the sale or sharing of your information.

5. Data security

We send information over encrypted connections and limit access to people and providers who need it. No method of transmission or storage is completely secure.

6. How long we keep information

We keep information as long as needed to provide our service, meet legal and regulatory requirements, resolve disputes and enforce our agreements.

7. Your choices and rights

• Marketing: reply STOP to any text, use the unsubscribe link in any email, or contact us.
• Access and correction: ask what information we hold about you and to correct it.
• Deletion: delete your account in the app or ask us to delete your information, subject to legal obligations. We cannot delete information already shared with lenders; contact them directly.
• Opt out of sale or sharing: use our Do Not Sell or Share page.
• State rights: depending on where you live, you may have additional rights under state privacy laws. We will not discriminate against you for exercising them.

8. Children

Our service is for adults. We do not knowingly collect information from anyone under 18.

9. Changes to this policy

We may update this policy. The “Last updated” date shows when it last changed.

10. Contact us