Privacy Policy
Click Click Close ("we," "us," or "our") operates the website located at clickclickclose.click (the "Site"). Operator NMLS# 225597. We originate business-purpose credit for commercial and investment property under the federal SAFE Act business-purpose exclusion (12 CFR 1007.103(c)(2)). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit the Site, submit a loan inquiry, or otherwise interact with our services.
1. Information We Collect
Information you provide directly. When you submit a loan inquiry, contact us, or otherwise interact with the Site, you may voluntarily provide personal information such as your name, email address, phone number, property address, loan amount, intended use of funds, self-reported credit profile, employment status, and entity information (LLC, corporation, trust).
Information collected automatically. We automatically collect certain technical information when you visit the Site, including your IP address, browser type and version, device type, referring URL, pages viewed, and timestamps. We use cookies and similar tracking technologies for this purpose.
Information from third parties. If you choose to link accounts or authorize us to contact third parties on your behalf, we may receive information from those third parties (credit bureaus, employers, banks, title companies) solely to evaluate your loan inquiry.
2. Information We Do Not Collect
We do not pull your credit report at any point in the inquiry or pre-qualification process. No soft pull. No hard pull. No tri-merge. Your credit file is not accessed, scored, or stored by Click Click Close during the initial matching workflow. A credit pull, if any, will only occur after you sign an explicit authorization with a licensed broker or lender partner.
3. How We Use Your Information
- To match your scenario against our licensed broker and lender partner network.
- To connect you with the partner most likely to issue a credit decision.
- To communicate with you about your inquiry, our services, and the partner handoff.
- To improve the Site, our matching algorithms, and our partner routing logic.
- To comply with applicable law, regulation, subpoenas, or lawful government requests.
4. How We Share Your Information
We do not sell your personal information. We share it only as follows:
- With licensed broker and lender partners to evaluate your scenario and provide a credit decision. These partners are bound by their own privacy policies and applicable state and federal law.
- With service providers that perform services on our behalf (hosting, analytics, email delivery, file storage). These providers are contractually obligated to keep your information confidential.
- As required by law, including to comply with subpoenas, court orders, or regulatory inquiries.
- In a business transfer, if we are acquired, merged, or sell substantially all of our assets, your information may be transferred to the acquiring entity.
5. Cookies and Tracking
We use first-party and third-party cookies, web beacons, and similar technologies for session management, analytics, and to remember your preferences. You can disable cookies in your browser, but doing so may impair Site functionality.
6. Data Security
We use commercially reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission over the Internet or electronic storage is 100% secure, however, and we cannot guarantee absolute security. Form data is encrypted in transit (TLS 1.2+).
7. Data Retention
We retain your information for as long as needed to fulfill the purposes described in this Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your information at any time by contacting us at the address below.
8. Your Rights
Depending on your state of residence, you may have rights to: (a) access the personal information we hold about you, (b) correct inaccurate information, (c) request deletion, (d) opt out of sale or sharing, and (e) not be discriminated against for exercising these rights. California residents have additional rights under the CCPA/CPRA. To exercise any of these rights, contact us at the address below.
9. Children's Privacy
The Site is not directed to children under 18, and we do not knowingly collect personal information from children under 18. If we learn we have collected such information, we will delete it.
10. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last updated" date at the top reflects the effective date. Material changes will be highlighted on the Site for at least 30 days.
11. Contact
Questions, requests, or complaints regarding this Privacy Policy should be directed to:
Click Click Close
Attn: Privacy Officer
Email: privacy@clickclickclose.click