Effective Date: July 18, 2026
Flex-Loans.com (“Flex-Loans,” “we,” “our,” or “us”) is operated by FlexMediaGroup. We value your privacy and are committed to protecting your personal information through responsible data practices, transparency, and compliance with applicable privacy laws.
This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you visit www.flex-loans.com (the “Website”), submit a loan request, communicate with us, or otherwise interact with our services.
Please read this Privacy Policy carefully. By accessing or using the Website, you acknowledge that you have read and understand this Privacy Policy. Your continued use of the Website constitutes your acceptance of the practices described herein.
If you do not agree with this Privacy Policy, you should discontinue use of the Website.
1. Who We Are
Flex-Loans.com is an online loan marketplace that connects consumers with independent lenders, lending networks, financial institutions, and other financial service providers.
Flex-Loans.com is not a lender.
We do not:
- Make loans
- Extend credit
- Determine creditworthiness
- Approve or deny loan applications
- Establish loan terms
- Service loans
- Collect loan payments
Instead, we facilitate the transmission of your information to participating financial partners that may evaluate your request and present financing options if you qualify.
Website Operator:
FlexMediaGroup
5900 Balcones Street
Austin, Texas 78731
United States
2. Scope of This Privacy Policy
This Privacy Policy applies to information collected through:
- Flex-Loans.com
- Mobile versions of the Website
- Online application forms
- Customer support communications
- Marketing communications
- Email correspondence
- Text messaging where applicable
- Cookies and similar technologies
- Advertising platforms
- Analytics tools; and
- Other online services owned or operated by FlexMediaGroup that reference this Privacy Policy
This Privacy Policy does not apply to:
- Third-party websites
- Participating lenders
- Lending marketplaces
- Financial institutions
- Advertisers
- Payment providers
- Social media platforms
- Any third party operating independently of FlexMediaGroup
Once your information has been shared with an independent financial partner, that organization’s own privacy policy governs its collection and use of your information.
We encourage you to review the privacy policies of every lender or financial service provider with whom you interact.
3. Categories of Information We Collect
The information we collect depends on how you interact with our Website and services.
Generally, we collect information in three categories:
- Information you voluntarily provide
- Information collected automatically; and
- Information obtained from third parties
4. Information You Provide
When you submit a loan request or otherwise communicate with us, you may voluntarily provide information including, but not limited to:
Personal Identification Information
- Full name
- Residential address
- Mailing address
- Email address
- Telephone number
- Date of birth
- Social Security Number (full or partial, where applicable)
- Driver’s license or state-issued identification information
- Citizenship or residency information
Employment Information
You may provide information relating to your employment, including:
- Employer name
- Employment status
- Occupation
- Length of employment
- Work telephone number
- Work email address
- Monthly or annual income
- Pay frequency
- Source of income
Financial Information
Depending on the services requested, you may provide:
- Requested loan amount
- Purpose of the loan
- Monthly income
- Housing payment
- Banking institution
- Bank account information
- Routing number
- Account type
- Direct deposit information
- Existing debt obligations
- Bankruptcy information
- Military status (where applicable)
Communication Information
When you communicate with us, we may collect:
- Customer support inquiries
- Email correspondence
- Live chat messages
- SMS messages
- Survey responses
- Feedback submissions
- Complaint information
- Other communications you voluntarily provide
5. Information Collected Automatically
When you visit Flex-Loans.com, certain technical information is collected automatically through cookies, web technologies, server logs, and analytics tools.
This information may include:
Device Information
- Device type
- Device identifiers
- Operating system
- Browser type
- Browser version
- Screen resolution
- Language settings
- Time zone
- Mobile carrier (where applicable)
Network Information
We may automatically collect:
- IP address
- Internet service provider
- Network connection type
- Approximate geographic location derived from your IP address
- Referring website
- Exit pages
- Landing pages
- Website navigation paths
Usage Information
We may collect information regarding your interactions with the Website, including:
- Pages viewed
- Buttons clicked
- Forms completed
- Time spent on pages
- Scroll behavior
- Session duration
- Search activity
- Error reports
- Crash reports
- Navigation patterns
Technical Diagnostics
To improve the reliability and security of the Website, we may collect:
- System logs
- Browser errors
- Security events
- Authentication attempts
- Fraud detection signals
- Website performance metrics
This information is generally used in aggregate or pseudonymized form where practicable and helps us improve the Website, detect fraud, troubleshoot issues, and understand user behavior.
6. Information We Receive from Third Parties
We may receive information about you from third-party sources to facilitate the operation of our services or to comply with legal and regulatory obligations.
These sources may include:
- Participating lenders
- Lending marketplaces
- Marketing partners
- Advertising networks
- Consumer reporting agencies (where permitted)
- Identity verification providers
- Fraud prevention vendors
- Analytics providers
- Publicly available databases
- Government records where legally accessible
Examples of information we may receive include:
- Application status updates
- Referral outcomes
- Identity verification results
- Fraud risk indicators
- Marketing attribution data
- Device matching information
- Aggregated demographic information
- Technical identifiers
We combine information obtained from third parties with information you provide and information collected automatically in order to improve our services, enhance fraud prevention efforts, and facilitate accurate loan matching.
7. Sensitive Personal Information
Certain information requested during the loan application process may be considered sensitive under applicable privacy laws.
Depending on the product requested and applicable law, this may include:
- Social Security Number
- Driver’s license or government-issued identification
- Bank account information
- Routing numbers
- Financial account information
- Income information
- Employment information
- Military status where relevant to eligibility
- Identity verification documents; and
- Other information required by participating financial providers
We collect sensitive personal information only where reasonably necessary to:
- Facilitate your loan request
- Verify your identity
- Prevent fraud
- Comply with legal obligations
- Support participating lenders’ underwriting processes
- Provide requested services
We do not collect sensitive personal information for unrelated purposes, nor do we use such information to infer characteristics about you except where reasonably necessary to provide the requested services or as otherwise permitted by law.
8. Information About Minors
Flex-Loans.com is intended for use only by individuals who are at least eighteen (18) years of age or the age of majority in their state of residence.
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 in violation of applicable law, we will take reasonable steps to delete that information as promptly as practicable.
Parents or legal guardians who believe that a child has submitted information through our Website may contact us using the information provided at the end of this Privacy Policy.
9. Information You Choose Not to Provide
Providing personal information through Flex-Loans.com is voluntary.
However, certain information is necessary for us to facilitate a loan request and connect you with participating financial providers.
If you choose not to provide required information, we may be unable to:
- Process your request
- Identify participating lenders
- Verify your identity
- Provide requested services
- Respond to certain inquiries
The decision to provide information remains yours, but withholding required information may limit the functionality or availability of our services.
10. How We Use Your Information
FlexMediaGroup uses the information we collect only for legitimate business purposes related to operating and improving the Flex-Loans.com loan marketplace.
Depending on how you interact with our Website, we may use your information to:
- Process and route your loan request to participating financial partners
- Facilitate communication between you and participating lenders
- Verify your identity
- Detect, investigate, and prevent fraud or other unauthorized activities
- Protect the security and integrity of our Website and systems
- Personalize your experience on the Website
- Improve our products, services, and user experience
- Respond to customer service inquiries
- Communicate important service-related notices
- Maintain business records
- Comply with applicable legal and regulatory obligations
- Enforce our Terms & Conditions and other policies
- Perform analytics and reporting
- Develop new products or services
- Measure marketing effectiveness
- Conduct internal audits and quality assurance activities; and
- Perform other purposes disclosed to you at the time your information is collected or as otherwise permitted by law
We use only the amount of personal information reasonably necessary to accomplish these purposes.
11. Legal Bases for Processing
Where privacy laws require us to identify a legal basis for processing personal information, we may process your information because:
- You requested our services
- You provided your consent where required
- Processing is necessary to perform or facilitate requested services
- Processing is necessary to comply with legal obligations
- Processing is necessary to detect fraud, maintain security, or protect our legal rights
- Processing supports our legitimate business interests, provided those interests do not override your applicable privacy rights
- Another lawful basis exists under applicable law
The availability of these legal bases may vary depending on your jurisdiction.
12. How We Share Your Information
We do not sell your personal information in exchange for money in the ordinary course of operating our Website.
However, because Flex-Loans.com is a loan marketplace, we share your information with participating financial providers and service providers as necessary to deliver the services you request.
We may disclose your information to the following categories of recipients:
Participating Lenders
To evaluate your eligibility for financial products.
Lending Networks and Loan Marketplaces
To increase the likelihood of identifying financial products that may meet your request.
Financial Service Providers
Including providers of installment loans, lines of credit, personal loans, and other financial products.
Identity Verification Providers
To help verify your identity and reduce fraud.
Fraud Prevention Providers
To detect suspicious activity and protect consumers, lenders, and our business.
Consumer Reporting Agencies
Where authorized by law or requested by participating lenders.
Technology Vendors
Including:
- Cloud hosting providers
- Website hosting providers
- Database providers
- Customer relationship management systems
- Email delivery providers
- Customer support platforms; and
- Security monitoring services
Professional Advisors
Including attorneys, auditors, consultants, accountants, and compliance professionals assisting us with business operations.
Government Authorities
Where disclosure is required by law, regulation, subpoena, court order, or other legal process.
Corporate Transactions
In connection with:
- Mergers
- Acquisitions
- Financing transactions
- Corporate restructuring
- Asset sales
- Bankruptcy proceedings
In such cases, personal information may be transferred as part of the transaction, subject to applicable law.
13. Loan Marketplace Data Sharing
When you submit a Loan Request, you expressly authorize FlexMediaGroup to transmit your information to one or more participating financial partners.
The specific partner(s) receiving your information may vary depending on factors such as:
- State availability
- Requested loan amount
- Lending criteria
- Partner capacity
- Licensing requirements
- Fraud screening results
- Business rules
- System availability; and
- Other operational considerations
Participating financial partners may independently:
- Contact you
- Verify your identity
- Review your credit profile
- Request additional documentation
- Present financing offers
- Decline your request
- Offer alternative financial products
Once your information has been shared with an independent partner, that organization becomes independently responsible for its own privacy and security practices.
We encourage you to review each lender’s privacy policy before entering into a financial agreement.
14. Service Providers
We work with trusted third-party service providers that perform services on our behalf.
These providers may assist with:
- Cloud infrastructure
- Website hosting
- Cybersecurity
- Fraud prevention
- Identity verification
- Analytics
- Payment processing (if applicable)
- Email delivery
- Customer support
- Telecommunications
- Document management
- Software development
- Compliance monitoring; and
- Business operations
These providers receive only the information reasonably necessary to perform contracted services and are expected to safeguard personal information consistent with applicable legal obligations and contractual requirements.
15. Marketing Communications
With your consent where required by law, we and participating partners may send communications regarding:
- Loan products
- Financial services
- Promotional offers
- Educational resources
- Newsletters
- Product announcements
- Special offers; and
- Other marketing communications
Marketing communications may be delivered by:
- SMS or MMS
- Telephone
- Postal mail
- Other legally permitted methods
You may opt out of marketing communications at any time by:
- Clicking the unsubscribe link included in marketing emails
- Replying “STOP” to text messages
- Following instructions contained within the communication
- Contacting us directly
Please note that opting out of marketing messages does not prevent us from sending important non-promotional communications regarding:
- Security alerts
- Account notices
- Legal disclosures
- Service updates
- Fraud prevention
- Customer support responses
If you have separately provided consent directly to a participating lender or another third party, you must contact that organization directly to manage your communication preferences with them.
16. Cookies and Similar Technologies
Flex-Loans.com uses cookies and similar technologies to improve the functionality, performance, and security of the Website.
Cookies are small text files placed on your browser or device that allow websites to recognize returning visitors and remember certain preferences.
We may use:
Essential Cookies
These cookies are necessary for:
- Website functionality
- Security
- Fraud prevention
- Session management; and
- Application processing
These cookies cannot generally be disabled without affecting Website functionality.
Functional Cookies
These cookies help remember user preferences such as:
- Language settings
- Browser preferences
- Region selections
- Accessibility settings; and
- User experience customizations
Analytics Cookies
Analytics cookies help us understand:
- Website traffic
- Visitor behavior
- Navigation patterns
- Conversion rates
- Performance metrics; and
- Website improvements
Information collected through analytics cookies is generally aggregated and does not directly identify individual users where practicable.
Advertising Cookies
Advertising technologies may be used to:
- Measure advertising performance
- Attribute marketing campaigns
- Limit repetitive advertisements
- Improve advertising relevance; and
- Understand campaign effectiveness
Some advertising technologies may be provided by third-party advertising partners.
17. Analytics Technologies
We may use analytics services to better understand how visitors interact with our Website.
Analytics tools may collect information regarding:
- Pages visited
- Clicks
- Referral sources
- Browser information
- Device information
- Approximate geographic location
- Time spent on pages
- Navigation flow
- Conversion events; and
- Technical performance
The information generated through analytics technologies helps us:
- Improve Website functionality
- Identify technical issues
- Optimize the user experience
- Measure advertising performance
- Evaluate marketing campaigns; and
- Enhance fraud detection efforts
Analytics providers process information in accordance with their own privacy policies.
18. Online Advertising
Flex-Loans.com may participate in online advertising programs that use cookies, pixels, software development kits (SDKs), and similar technologies.
These technologies help us:
- Understand advertising effectiveness
- Measure conversions
- Prevent advertising fraud
- Improve campaign performance; and
- Present more relevant advertisements
Advertisements displayed on other websites may be based on:
- Your interaction with our Website
- Browsing activity
- Device identifiers
- Advertising identifiers
- Other information permitted by applicable law
You may be able to manage certain advertising preferences through your browser settings, mobile device settings, or industry self-regulatory opt-out tools.
19. Do Not Track Signals
Some web browsers offer a “Do Not Track” (“DNT”) setting.
Because there is currently no universally accepted industry standard governing how websites should respond to DNT signals, Flex-Loans.com does not currently respond differently to browser-based DNT requests.
Users may manage cookies and certain tracking technologies through browser settings or other available privacy controls.
20. Social Media Features
Our Website may include links to social media platforms or permit interactions with social media services.
If you choose to interact with social media features, the applicable platform may collect information according to its own privacy policy.
FlexMediaGroup is not responsible for the privacy practices of independent social media platforms.
We encourage users to review the privacy policies of any social media service before interacting with those platforms.
21. Data Security
Protecting your personal information is a priority for FlexMediaGroup. We maintain administrative, technical, and physical safeguards designed to help protect personal information against unauthorized access, disclosure, alteration, destruction, or misuse.
Our information security program may include measures such as:
encryption of data in transit using industry-standard protocols (such as TLS);
encryption of sensitive information at rest where appropriate;
role-based access controls;
multi-factor authentication for administrative systems where appropriate;
network firewalls and intrusion detection technologies;
security monitoring and logging;
vulnerability assessments and security testing;
employee security awareness training;
vendor security reviews; and
incident response and business continuity procedures.
Although we employ commercially reasonable safeguards, no method of transmitting information over the Internet or storing electronic information is completely secure. Consequently, we cannot guarantee absolute security.
Users are also responsible for protecting their own devices, passwords, email accounts, and other credentials used to access our services.
22. Data Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including:
processing loan requests;
providing customer support;
maintaining business records;
detecting and preventing fraud;
complying with legal, regulatory, tax, accounting, and reporting obligations;
resolving disputes;
enforcing agreements; and
protecting our legal rights.
The retention period for specific categories of information depends on factors such as:
the nature of the information;
applicable legal requirements;
contractual obligations;
litigation holds;
operational needs; and
security considerations.
When personal information is no longer required, we will take reasonable steps to securely delete, anonymize, or de-identify the information unless continued retention is required or permitted by law.
23. Your Privacy Rights
Depending on where you reside, you may have certain rights regarding your personal information under applicable privacy laws.
Subject to applicable law, these rights may include the ability to:
request access to personal information we maintain about you;
request correction of inaccurate personal information;
request deletion of certain personal information;
request a copy of personal information in a portable format where required by law;
request information about how your personal information has been used or disclosed;
object to or limit certain processing activities where permitted by law;
withdraw consent where processing is based on consent; and
appeal certain privacy-related decisions where required by applicable law.
These rights are not absolute and may be subject to legal exceptions.
To protect your privacy and the security of your information, we may verify your identity before responding to a request.
Verification may require confirmation of information already associated with your records or other reasonable verification procedures.
We will respond to verified requests within the timeframes required by applicable law.
24. California Privacy Rights
If you are a California resident, you may have rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), subject to applicable exceptions.
Depending on your circumstances, you may have the right to:
know the categories of personal information we collect;
know the categories of sources from which personal information is collected;
know the business or commercial purposes for collecting or disclosing personal information;
know the categories of third parties with whom personal information is shared;
request access to specific pieces of personal information, subject to legal limitations;
request correction of inaccurate personal information;
request deletion of certain personal information;
request information regarding certain disclosures of personal information;
limit the use and disclosure of sensitive personal information where applicable under California law; and
be free from unlawful discrimination for exercising your privacy rights.
Where applicable, California residents may designate an authorized agent to submit certain privacy requests on their behalf, subject to verification requirements.
Additional information specific to California residents may also be provided in our separate California Privacy Notice, which forms part of this Privacy Policy.
25. Other U.S. State Privacy Rights
Residents of certain U.S. states may have privacy rights under applicable state laws.
These states may include, among others:
Colorado;
Connecticut;
Virginia;
Utah;
Texas;
Oregon;
Montana;
Delaware;
Iowa;
Nebraska;
New Hampshire;
New Jersey;
Tennessee;
Minnesota; and
any other jurisdiction that adopts applicable consumer privacy legislation.
Depending on your state of residence and applicable law, you may have rights to:
access personal information;
correct inaccuracies;
delete personal information;
obtain a copy of certain information;
opt out of certain targeted advertising activities;
opt out of certain profiling activities where required by law;
opt out of certain sales or sharing of personal information as defined by applicable law; and
Appeal our decision regarding a privacy request.
Availability of these rights varies based on applicable law and recognized legal exemptions.
26. Exercising Your Privacy Rights
To submit a privacy request, you may contact us using one of the methods listed below:
support@flex-loans.com
When submitting a request, please provide sufficient information to help us verify your identity and locate your records, such as:
your full name;
email address;
telephone number;
state of residence; and
a description of your request.
For your protection, we may request additional information reasonably necessary to verify your identity before processing certain requests.
27. International Users
Flex-Loans.com is intended primarily for individuals residing in the United States.
If you choose to access the Website from another country, you understand that your information may be transferred to, processed in, and stored in the United States or other jurisdictions where our service providers operate.
Data protection laws in those jurisdictions may differ from the laws of your country of residence.
By using the Website and voluntarily submitting information, you acknowledge and consent to such transfers where permitted by applicable law.
28. External Links
Our Website may contain links to websites operated by independent third parties.
These websites have their own privacy policies and practices.
FlexMediaGroup is not responsible for:
the content of third-party websites;
their privacy practices;
their security measures;
their products or services; or
their collection and use of personal information.
We encourage users to review the privacy policies of every third-party website before submitting personal information.
29. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect:
changes in applicable law;
improvements to our services;
changes to our business operations;
evolving security practices; or
other operational, legal, or regulatory developments.
When changes are made:
the updated Privacy Policy will be posted on the Website;
the Effective Date will be revised; and
material changes may be communicated through additional notice where required by applicable law.
Your continued use of the Website after an updated Privacy Policy becomes effective constitutes acceptance of the revised policy.
30. Contact Information
If you have questions regarding this Privacy Policy or our privacy practices, you may contact us at:
FlexMediaGroup
General Inquiriessupport@flex-loans.com
Website: https://www.flex-loans.com
31. Additional Consumer Disclosures
For transparency, the following additional disclosures apply to our services:
No Lending Activity
Flex-Loans.com does not make loans, extend credit, or make lending decisions.
All lending decisions are made solely by participating financial institutions or other independent providers.
Independent Third Parties
Participating lenders, lending networks, and financial service providers operate independently from FlexMediaGroup.
Their collection, use, disclosure, and retention of your personal information are governed by their own privacy policies and contractual terms.
No Guarantee of Approval
Submitting a loan request through Flex-Loans.com does not guarantee:
approval;
funding;
any specific interest rate;
any repayment term;
any loan amount; or
receipt of an offer.
Eligibility is determined solely by participating financial providers.
Security Reminder
While we maintain reasonable safeguards designed to protect personal information, users should also take appropriate precautions by:
protecting passwords and devices;
avoiding the submission of information over unsecured networks;
promptly reporting suspected fraud; and
contacting participating lenders directly if suspicious activity relating to a loan application occurs.
Your Acknowledgement
By accessing or using Flex-Loans.com, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, disclosure, and retention of your information as described herein and as otherwise permitted by applicable law.
End of Privacy Policy