Privacy policy

Who we are and what this policy covers

This policy covers trustcedar.com, run by TrustCedar, 1940 Fountain View Dr, Suite 308, Houston, TX 77057, United States. Contact: [email protected] or the contact page.

It describes what happens to information you give us through the site and our emails. Once a lender or loan broker receives your loan request, that company’s own privacy notice governs what it does with it.

The short version

• Reading pages and using the calculators does not send us personal information. The calculators run in your browser.
• We set no analytics or advertising cookies and use no ad pixels or third-party trackers.
• If you send a loan request, we pass it to lenders and loan brokers who pay us for it, and they may contact you. Under some state laws that may count as a “sale” of personal information.
• You can ask us to stop, to show you what we hold, to correct it or to delete it. See Your privacy choices.

Loan request form

The form appears at /loan-request and at the end of articles and calculators.

What you enter. Step 1: the loan amount, what the money is for, a rough credit range, when you need the money, and your ZIP code. Step 2: your first name, last name, phone number and email address, and the consent checkbox.

What we record with it. The version of the consent text you saw, the address of the page you sent the form from, the date and time, your IP address, the state we derive from your ZIP code, and whether your browser sent a Global Privacy Control signal. If you came from a calculator, the form can also carry the calculator’s monthly payment, APR and term.

Why. To pass your request to lenders and loan brokers so they can contact you about it, to keep a record of your consent, to honor opt-outs, and to prevent spam and fraud.

Who receives it. Lenders and loan brokers working with TrustCedar. They may contact you by phone, text message and email, including calls and texts made with an automatic telephone dialing system or an artificial or prerecorded voice, which can include an AI-generated voice. TrustCedar may also contact you about the request. Your consent is not a condition of buying anything. If you choose “Medical or dental bills” as the purpose, that choice travels with the request like any other answer; we ask nothing else about health.

Contact form

The contact page collects your name, email address, a topic, your message and an acknowledgment checkbox. We use it only to answer you and to fix what you report. We do not pass contact messages to lenders or loan brokers.

Rate notes newsletter

The rate notes form collects your name, email address and your consent, with the version of the consent text you agreed to. We use it to send rate notes: what changed on the rate board and why it matters to a borrower. We do not promise a schedule. Every email has an unsubscribe link, and you can also write to us. We do not pass newsletter addresses to lenders or loan brokers.

Links in our emails

Emails sent by TrustCedar or by a partner can contain links that let the sender confirm that you visited the site from that email.

• Visit check. Such a link carries a token after a “#” in the address (#cid=…). A small script on the page reads the token, removes it from the address bar at once, and sends one “page_view” event with the token to /collect on trustcedar.com. Our server passes the event to the email platform, together with the IP address and the browser type that came with it, so the platform can record the visit for that email. Pages opened without such a link send nothing, and nothing else about your browsing is recorded.
• Click check. Some email links point to an address on trustcedar.com followed by a short code. When you open one, our server passes the code, your IP address and the headers your browser sends (such as its browser type) to the email platform, which records the click and sends you on to the page.

Neither check sets a cookie or stores anything in your browser.

What we do not collect

We do not use analytics cookies, advertising cookies, ad pixels, social media plugins or third-party trackers. We do not record which pages you read, how long you stay or what you type into a calculator. The only thing stored in your browser is a note that you closed the cookie notice (Cookies).

Service providers

• Cloudflare hosts the site. It processes your IP address and request headers to deliver pages and protect the site, and its Pages Functions process our form submissions.
• Cloudflare Turnstile checks that a form is sent by a person and not a bot. It may process signals from your device and browser.
• Web3Forms delivers each form submission to our inbox by email.
• The email platform that sends our emails receives the visit and click checks described above.

We may also disclose information when the law requires it, to protect our rights or the safety of others, or to a successor if the site changes hands.

Selling and sharing under state privacy laws

Several state privacy laws define a “sale” broadly, as disclosing personal information to another company for money or other value. When you send a loan request, we pass it to lenders and loan brokers who pay us for it. That may be a sale under some of those laws, even though we pass the request only because you asked us to.

We do not sell or share information from the contact form or the newsletter, and we do not sell or share browsing data for targeted advertising.

Your privacy choices

Depending on your state, you may have the right to:

• opt out of the sale or sharing of your personal information;
• know and access the personal information we hold about you;
• correct information that is wrong;
• delete your personal information;
• not be treated differently for using these rights.

To opt out of sale or sharing, email [email protected] with the subject “Do not sell or share,” and include the email address and phone number you used. We will not pass any information we hold about you to lenders or loan brokers after we receive it, and we will tell the lenders and loan brokers who already received your request that you opted out.

Global Privacy Control. If your browser sends a Global Privacy Control signal when you submit a loan request, we record it and treat it as an opt-out of sale and sharing for that request: we pass the request to lenders and loan brokers only to deliver what you asked for, and we tell them you opted out of any further sale or sharing. Browsing the site without sending a form involves no sale, so the signal has nothing else to switch off here.

To access, correct or delete, email us or write through the contact page and say it is a privacy request. We will confirm your request by matching the email address or phone number on file, and answer within the time your state’s law allows. An authorized agent can make a request for you with your signed permission. If we decline a request, we will say why, and you can reply to ask us to reconsider. If you are still not satisfied, you can contact your state attorney general.

Deleting your request from our records does not delete the copies held by the lenders and loan brokers who received it. We will forward your deletion request to them, and you can also contact them directly. We keep the consent record described below even after a deletion request, as long as we need it to show what you agreed to.

To stop calls, texts and emails about a loan request, reply STOP to any text, or email us and we will pass your request to stop contact to the lenders and loan brokers who received your request. We honor opt-out requests sent by email within 10 business days. Each company’s own emails also have their own unsubscribe link.

How long we keep information

Information	How long we keep it
Loan requests and consent records	5 years from the request, as records of telephone consent
Contact form messages	2 years
Newsletter name, email and consent	While you are subscribed, plus 30 days

When a period ends, we delete the information. The email platform keeps its own records of visits and clicks under its own policy.

Security

The site is served only over HTTPS. Form submissions reach us through Cloudflare and Web3Forms, and access to our inbox and records is limited to the people who need it to run the site. No method of transmission or storage is perfectly secure, so we cannot promise absolute security.

Children

TrustCedar is not directed to anyone under 18. We do not accept loan requests from minors and do not knowingly collect personal information from anyone under 18. If you believe a minor sent us information, contact us and we will delete it.

Changes to this policy

When we change this policy, we update the date at the top of the page. If a change affects how we use information we already hold, we will ask for your consent where the law requires it.

Contact

TrustCedar, 1940 Fountain View Dr, Suite 308, Houston, TX 77057, United States. Email [email protected], or use the contact page.