HRR Marketing Services LLC, including Spanish Leads Now, VividClone.ai, and Opciones de Credito (collectively, “the Site,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide when using the Site.
This Privacy Policy explains how we collect, use, disclose, retain, and protect information obtained through the Site. It also explains certain rights you may have regarding your personal information.
By accessing or using the Site, submitting information through the Site, or otherwise interacting with the Site, you acknowledge that you have read and understood this Privacy Policy.
1. Information We Collect
We may collect information directly from you, automatically from your device or browser, and from third-party sources where permitted by applicable law.
The categories of information we may collect include, but are not limited to:
Personal Identifiers
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Full name
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Date of birth
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Residential address
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Email address
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Telephone number
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Mobile number
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State of residence
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ZIP code
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IP address
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Device identifiers
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Online identifiers
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Browser information
Financial Information
Depending on the information you choose to provide and the services requested, we may collect:
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Employment status
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Employer name
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Income amount
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Income source
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Pay frequency
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Housing status
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Monthly housing payment
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Banking information
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Requested loan amount
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Intended use of funds
Identity Verification Information
Where applicable, we may collect or facilitate the collection of information necessary to verify your identity or prevent fraud, including information provided by you or obtained through verification providers.
Technical Information
We automatically collect certain technical information, including:
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Browser type
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Operating system
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Referring website
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Pages viewed
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Session duration
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Clicks
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Timestamps
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Language preferences
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Device characteristics
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Cookies
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Pixels
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Local storage data
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Analytics identifiers
2. Information Collected Automatically
When you use the Site, we and our service providers may automatically collect information through technologies including:
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Cookies
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Web beacons
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Pixels
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Server logs
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Analytics tools
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Device fingerprinting technologies where permitted by law
These technologies help us:
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Operate the Site
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Improve functionality
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Detect fraud
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Measure performance
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Personalize user experiences
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Understand visitor behavior
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Comply with legal obligations
3. Information From Third Parties
We may receive information from third parties including:
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Identity verification providers
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Fraud prevention providers
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Analytics providers
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Advertising partners
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Technology providers
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Financial service providers
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Publicly available sources where permitted by law
We may combine this information with information collected directly from you.
We may also receive information from fraud prevention providers, identity verification providers, device intelligence providers, sanctions screening providers, and other service providers that assist in verifying identity, preventing fraud, protecting the integrity of the Site, and complying with applicable law.
4. How We Use Your Information
We may use your information for purposes including:
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Processing your request
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Matching you with participating financial service providers
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Transmitting your information to lenders, lending partners, marketplaces, or other authorized recipients
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Documenting user consent
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Maintaining electronic consent records
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Complying with TCPA and other communication laws
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Detecting duplicate submissions
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Preventing identity theft
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Preventing fraud
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Sanctions screening where applicable
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Maintaining audit records
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Defending legal claims
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Establishing legal rights
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Identity verification
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Fraud prevention
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Risk management
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Customer support
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Responding to inquiries
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Improving Site performance
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Analytics
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Security monitoring
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Debugging
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Legal compliance
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Enforcing our Terms of Use
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Communicating with you
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Sending transactional communications
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Sending marketing communications where permitted by law and consistent with your choices
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Protecting the rights, safety, and security of the Site, users, and third parties
4.1. Telephone and Electronic Communications
By voluntarily providing your telephone number(s) and email address through the Site, you acknowledge that your information may be shared with participating financial service providers in connection with your request.
Subject to applicable law and the consents you provide, participating providers may contact you by:
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Telephone
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Mobile phone
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SMS
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MMS
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Prerecorded voice
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Artificial voice
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Email
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Other electronic communication methods
Consent to receive marketing communications is not a condition of obtaining credit.
If your telephone number changes, you agree to promptly notify the applicable provider.
Communications from participating financial service providers are governed by their own policies and legal obligations.
5. How We Share Your Information
We may disclose your personal information to third parties as necessary to operate the Site, process your request, comply with applicable law, or protect our legitimate business interests.
Depending on your request and applicable law, we may share information with the following categories of recipients:
Participating Financial Service Providers
We may transmit your information to one or more independent third parties, including:
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Lenders
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Banks
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Credit unions
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Tribal lenders
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Lending marketplaces
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Financial technology companies
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Consumer finance companies
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Financial service providers
These third parties independently determine:
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Whether to review your request
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Whether to contact you
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Whether to extend credit
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The terms of any financial product or service
The Site does not recommend, endorse, or guarantee any participating financial service provider, nor does it control the products, services, underwriting criteria, or communications of any participating provider.
The Site does not control the privacy practices of these independent entities. Once your information has been disclosed or transmitted to an independent lender, financial institution, lending marketplace, or other participating financial service provider, that entity independently determines how it processes your information in accordance with its own privacy policy and applicable law. The Site does not control, supervise, or direct those independent processing activities and is not responsible for the privacy practices, communications, lending decisions, consumer reporting activities, or legal compliance of those independent entities.
Service Providers
We may share information with trusted service providers that perform services on our behalf, including providers of:
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Cloud hosting
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Data storage
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Website hosting
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Customer support
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Fraud detection
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Identity verification
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Analytics
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Email delivery
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SMS delivery
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Security monitoring
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Software development
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Legal, accounting, and professional advisory services
These providers are contractually required to use your information only for the services they perform on our behalf.
Legal Requirements
We may disclose information where we believe disclosure is necessary or appropriate to:
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Comply with applicable law
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Comply with legal process
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Respond to subpoenas, court orders, or governmental requests
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Protect our rights or property
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Investigate fraud or security incidents
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Enforce our Terms of Use
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Protect users or the public from harm
Business Transfers
If the Site is involved in a merger, acquisition, asset sale, financing, reorganization, bankruptcy, or other corporate transaction, your information may be transferred as part of that transaction, subject to applicable law.
6. Cookies and Similar Technologies
The Site uses cookies and similar technologies to improve functionality, enhance security, measure performance, and better understand how visitors use the Site.
Cookies may include:
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Essential cookies
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Functionality cookies
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Analytics cookies
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Advertising cookies
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Security cookies
You may configure your browser to reject or remove cookies; however, doing so may affect certain Site functionality.
Some browsers offer “Do Not Track” settings. Because there is no uniform industry standard for responding to these signals, the Site may not respond to all “Do Not Track” requests.
7. Analytics and Advertising
We may use analytics and advertising technologies to better understand Site performance and improve our services.
These technologies may collect information such as:
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Pages visited
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Browser type
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Referring websites
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Device information
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IP address
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Approximate geographic location
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Session duration
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Interactions with the Site
We may also use advertising partners to measure campaign effectiveness and provide relevant advertising, where permitted by law.
8. Data Retention
We retain personal information only for as long as reasonably necessary to:
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Provide our services
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Comply with legal obligations
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Establish, exercise, or defend legal claims
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Investigate fraud
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Comply with regulatory requests
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Enforce our agreements
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Resolve disputes
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Maintain legally required business records
Retention periods may vary depending on:
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The nature of the information
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Legal requirements
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Regulatory obligations
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Litigation holds
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Business needs
When information is no longer required, we will delete, anonymize, or securely dispose of it in accordance with our record retention practices and applicable law.
9. Data Security
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.
These safeguards may include:
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Encryption in transit where appropriate
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Access controls
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Authentication measures
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Logging and monitoring
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Network security tools
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Employee access restrictions
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Vendor risk management
The Site also maintains electronic records relating to user submissions and consents, which may include:
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IP address
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Timestamp
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Browser type
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Device information
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Operating system
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Referring URL
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Landing page
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Consent language presented
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Session identifiers
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User agent
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Electronic acceptance records
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Other technical information reasonably necessary to document user consent, detect fraud, comply with applicable law, and resolve disputes
While we strive to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security.
9.1. Consumer Reporting Information
When you submit a request through the Site, your information may be transmitted to one or more participating financial service providers for evaluation.
The Site does not obtain consumer reports or perform credit checks for the purpose of making lending decisions.
However, participating financial service providers may, in accordance with applicable law and their own underwriting policies:
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Obtain a consumer report from one or more consumer reporting agencies
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Perform a soft credit inquiry
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Verify information using alternative data sources
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Conduct identity verification and fraud prevention checks
In some circumstances, if you choose to proceed with a particular financial service provider, that provider may subsequently perform a hard credit inquiry, subject to applicable law and its own underwriting policies.
Whether a soft inquiry, hard inquiry, or no inquiry occurs is determined solely by the participating financial service provider. The Site does not control or determine whether any credit inquiry is performed.
10. Children’s Privacy
The Site is intended only for individuals who are at least eighteen (18) years of age or the age of majority in their jurisdiction.
We do not knowingly collect personal information from children under the age of 18.
If we become aware that personal information has been collected from a child under 18 without appropriate authorization, we will take reasonable steps to delete that information.
If you believe a child has provided personal information through the Site, please contact us at Leads@Spanishleadsnow.com.
11. International Users
The Site is intended for individuals located within the United States.
If you access the Site from outside the United States, you understand that your information may be transferred to and processed in the United States, where privacy laws may differ from those in your jurisdiction.
By using the Site, you consent to such transfer where permitted by applicable law.
12. Your Privacy Rights
Depending on your state of residence and applicable law, you may have certain rights regarding your personal information.
Subject to applicable law, these rights may include the right to:
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Know whether we process your personal information
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Request access to personal information we maintain about you
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Request correction of inaccurate personal information
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Request deletion of certain personal information
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Request a copy of personal information in a portable format where applicable
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Appeal certain decisions regarding privacy requests where required by law
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Opt out of certain processing activities where required by law
These rights are not absolute and may be subject to legal exceptions.
Where personal information has been shared with an independent lender, financial institution, or other third party, you may need to contact that organization directly regarding your information held by them.
Where personal information has already been disclosed to an independent financial service provider, requests relating to that provider’s records should be directed to that provider.
13. California Privacy Notice
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), subject to applicable exemptions.
Depending on applicable law, California residents may have the right to:
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Know the categories of personal information collected
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Know the categories of sources from which personal information is collected
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Know the business or commercial purposes for collecting, using, or disclosing personal information
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Know the categories of third parties with whom personal information is disclosed
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Request access to specific pieces of personal information maintained by the Site
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Request correction of inaccurate personal information
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Request deletion of personal information, subject to legal exceptions
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Limit the use or disclosure of sensitive personal information where required by law
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Opt out of certain sharing of personal information for cross-context behavioral advertising where applicable
The Site will not unlawfully discriminate against you for exercising any applicable privacy rights.
14. Other State Privacy Rights
Residents of certain states may have additional rights under applicable state privacy laws, including but not limited to:
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Virginia
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Colorado
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Connecticut
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Utah
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Texas
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Oregon
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Montana
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Delaware
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Iowa
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Nebraska
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New Hampshire
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New Jersey
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Tennessee
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Minnesota
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Maryland
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Any other state that enacts applicable consumer privacy legislation
Where required by law, the Site will honor applicable rights afforded to residents of those jurisdictions.
15. Exercising Your Rights
To submit a privacy request, please contact:
Email Leads@Spanishleadsnow.com
To protect your privacy and security, we may request information necessary to verify your identity before responding to your request.
If we cannot reasonably verify your identity, we may deny the request to protect personal information from unauthorized disclosure.
Where permitted by applicable law, an authorized agent may submit requests on behalf of a consumer, provided sufficient proof of authority is supplied.
16. Retention of Legal Rights
Nothing in this Privacy Policy limits any rights or obligations provided under applicable federal, state, or local law.
Where this Privacy Policy conflicts with applicable law, applicable law shall control.
17. Third-Party Websites
The Site may contain links to websites or services operated by third parties.
This Privacy Policy applies only to information collected by the Site.
We are not responsible for the privacy practices, security, or content of third-party websites or services.
Users are encouraged to review the privacy policies of any third-party websites before providing personal information.
This Privacy Policy also does not apply to participating lenders or financial service providers that receive your information through the Site.
18. Financial Services Disclosure
The Site operates solely as an online technology and marketing platform.
The Site:
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Is not a lender
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Does not originate loans
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Does not make credit decisions
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Does not determine loan terms
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Does not guarantee approval or funding
Participating financial service providers independently determine whether to review your information, obtain consumer reports where permitted by law, communicate with you, or extend offers for financial products or services.
Once your information has been transmitted to an independent participating provider, that provider’s handling of your information is governed by its own privacy policy, terms, and applicable legal obligations.
19. Changes to This Privacy Policy
The Site reserves the right to modify this Privacy Policy at any time.
When material changes are made, the updated Privacy Policy will be posted on the Site with a revised Effective Date.
Your continued use of the Site after any updates become effective constitutes your acknowledgment of the revised Privacy Policy.
20. Contact Us
If you have any questions regarding this Privacy Policy or our privacy practices, please contact:
HRR Marketing Services LLC
Leads@Spanishleadsnow.com
1801 East Camelback Road, Suite 201, Phoenix, AZ 85016