Privacy Policy

Children's Online Privacy Protection (COPPA)

CareFunding's platform is intended exclusively for use by adults aged 18 and older. CareFunding does not knowingly solicit, collect, store, or process personally identifiable information from children under the age of 13 in compliance with the Children's Online Privacy Protection Act (COPPA), 15 U.S.C. §§ 6501–6506.

If we become aware that a child under the age of 13 has submitted personal information to our platform without verifiable parental consent, we will take immediate steps to delete that information from our records. If you are a parent or guardian and believe your child has provided information to CareFunding, please contact us immediately at the address below so we can take corrective action.

Federal Safeguards — GLBA & CCPA Compliance

CareFunding implements strict technical and administrative security measures in compliance with the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA):

• 256-Bit End-to-End Encryption: All personal and financial data submitted through the platform is transmitted using industry-standard 256-bit SSL/TLS encryption, protecting information in transit between your browser, our servers, and network partners.
• GLBA Safeguards Rule: In accordance with the GLBA Safeguards Rule (16 C.F.R. Part 314), we maintain a written information security program with designated personnel, risk assessments, technical safeguards, and vendor oversight to protect customer financial information.
• Access Controls: Access to consumer data is restricted on a need-to-know basis and subject to audit logging.
• Third-Party Oversight: Service providers and network partners who receive consumer data are contractually obligated to maintain appropriate security safeguards consistent with GLBA requirements.
• Incident Response: We maintain documented procedures for detecting, responding to, and notifying affected consumers of data security incidents as required by applicable federal and state law.

Your CCPA Privacy Rights

If you are a California resident, the California Consumer Privacy Act grants you the following rights:

• Right to Know — Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources of that information, and how it has been used.
• Right to Delete — Request deletion of your personal information, subject to certain legal exceptions.
• Right to Opt-Out — Opt out of the sale of your personal information. CareFunding does not sell personal information.
• Right to Correct — Request correction of inaccurate personal information we hold about you.
• Right to Non-Discrimination — We will not discriminate against you for exercising any of your CCPA rights.

To exercise any of these rights, submit a verifiable consumer request using the contact information at the bottom of this page.

Information We Collect

When you submit a request through our secure form, we collect the personal and financial information you provide — such as your name, contact details, address, and income information — for the sole purpose of facilitating a matching request to participating third-party network providers.

We may also collect non-personally identifiable information automatically, including browser type, IP address, referring URLs, and platform interaction data through standard analytical script markers (such as cookies and tracking pixels). This data is used to improve platform performance and measure the effectiveness of our service.

256-Bit Encryption & Data Security

All data transmitted through CareFunding is protected using industry-standard 256-bit SSL/TLS encryption. We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. No data transmission over the internet can be guaranteed to be 100% secure, but we take commercially reasonable steps to protect your information.

How We Share Your Information

When you submit a request, your information is transmitted securely to one or more participating network marketplace partners so that they may evaluate whether to extend a financing offer. Beyond this core matching function, CareFunding does not share your information for unrelated purposes.

We may share information with service providers who assist in operating our platform (such as analytics and hosting providers), subject to appropriate confidentiality and security agreements consistent with GLBA requirements. We may also disclose information when required by law or to protect our legal rights.

Cookies & Analytical Script Markers

Our platform uses cookies and similar tracking technologies to analyze platform usage and improve performance. You may configure your browser to refuse cookies or to alert you when cookies are being sent. Disabling cookies may affect the functionality of certain platform features.

FCRA Consumer Rights

Participating network providers may obtain consumer reports as part of their evaluation process under the Fair Credit Reporting Act (FCRA). You have the right to know if information in a consumer report has been used against you, to access your consumer report files, and to dispute inaccurate information. See our FCRA Disclosure for full details.

Policy Updates

CareFunding reserves the right to update this Privacy Policy at any time. Material changes will be reflected by an updated effective date at the top of this page. Continued use of the platform following any update constitutes acceptance of the revised policy.