Privacy Policy

Last updated: July 7, 2026

At SpecialFinance.ai, we take your privacy seriously. This Privacy Policy explains what information we collect, how we use it, who we share it with, and what choices you have. We’ve written this in plain language so you can actually understand it—no 40-page legal documents here.

By using SpecialFinance.ai, you agree to the practices described in this policy. If you don’t agree, please do not use our site or submit any personal information.

1. Information We Collect

When you use our intake form to get matched with financial service providers, we collect the following types of personal information:

• Contact information — your name, email address, and phone number
• Financial profile — your approximate credit score range, estimated income range, and employment status
• Housing information — your current monthly housing payment (rent or mortgage)
• Financing needs — the type of financial product or service you’re looking for (auto loans, mortgages, personal loans, credit cards, credit repair, etc.)

We only collect information that is necessary to match you with appropriate lending and service partners. We do not collect sensitive information such as your Social Security number, bank account numbers, or exact credit scores.

2. How We Collect Your Information

We collect information directly from you when you voluntarily fill out and submit our online intake form. We do not purchase consumer data from third-party data brokers, and we do not scrape or collect information about you from other websites.

We may also collect certain technical information automatically when you visit our site (see Section 5: Cookies & Tracking below).

3. How We Use Your Information

We use the personal information you provide for the following purposes:

• Matching you with partners — We use your financial profile and financing needs to identify and connect you with lending partners, credit card issuers, and service providers that are most likely to be a good fit for your situation.
• Communicating with you — We may contact you by email or phone to follow up on your inquiry, provide your matching results, or share information about our services.
• Improving our service — We use aggregated and anonymized data to understand how our matching service is performing and to improve the quality of our results over time.
• Complying with legal obligations — We may use or retain your information as needed to comply with applicable laws, regulations, or legal processes.

4. How We Share Your Information

We do not sell your personal information. However, in order to provide our matching service, we do share your information in the following ways:

• Matched lending and service partners — When you submit your information and receive your results, we share your contact information and relevant financial profile details with the specific partners displayed in your results. This is how those partners are able to follow up with you about their products and services. We only share your information with the partners shown to you—not with our entire partner network.
• Affiliate networks — We work with affiliate networks that facilitate our partnerships with lenders and service providers. These networks may receive your information as part of the referral process.
• Service providers — We may share information with trusted third-party service providers who help us operate our website, process data, or deliver our services (for example, hosting providers and email delivery services). These providers are contractually obligated to use your information only for the purposes we specify.
• Legal requirements — We may disclose your information if required to do so by law, court order, or government request, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

5. Cookies & Tracking Technologies

Like most websites, we use cookies and similar tracking technologies to improve your experience on our site. Here’s what we use and why:

• Essential cookies — These are necessary for our website to function properly, such as remembering your form progress.
• Analytics tools — We use analytics services, including Google Analytics, to understand how visitors use our site. These tools collect information such as which pages you visit, how long you stay, and how you arrived at our site. This data is aggregated and does not personally identify you.
• Retargeting pixels — We may use retargeting pixels from advertising platforms (such as Google Ads or Meta) to show you relevant advertisements on other websites after you visit SpecialFinance.ai. These pixels collect limited browsing data but do not give us access to your personal information on those platforms.

Most web browsers allow you to control cookies through their settings. You can typically choose to block or delete cookies, though doing so may affect your experience on our site. You can also opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.

6. Your Rights & Choices

You have the following rights regarding your personal information:

• Opt out of communications — If you receive emails or other communications from us, you can opt out at any time by clicking the “unsubscribe” link in any email or by contacting us directly. Please note that opting out of our communications does not opt you out of communications from partners who have already received your information.
• Request deletion of your data — You may request that we delete the personal information we hold about you by emailing us at support@SpecialFinance.ai. We will process your request within 30 days. Please note that we cannot delete information that has already been shared with matched partners—you will need to contact those partners directly regarding their data practices.
• Access your data — You may request a copy of the personal information we have on file for you.

California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• The right to know what personal information we collect, use, and disclose about you
• The right to request deletion of your personal information
• The right to opt out of the sale or sharing of your personal information
• The right to non-discrimination for exercising your privacy rights

To exercise any of these rights, please contact us at support@SpecialFinance.ai. We will verify your identity before processing your request and respond within the timeframes required by law.

7. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include encryption of data in transit (SSL/TLS), secure storage practices, and access controls that limit who within our organization can view your information.

That said, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially reasonable means to protect your personal information, we cannot guarantee its absolute security. You submit information to us at your own risk.

8. Children’s Privacy

SpecialFinance.ai is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a person under 18, we will delete that information promptly. If you believe a child has submitted information to us, please contact us at support@SpecialFinance.ai so we can take appropriate action.

9. Third-Party Links

Our site contains links to third-party websites, including the websites of our lending and service partners. Once you click through to a partner’s site, you are subject to that partner’s own privacy policy and terms of service—not ours.

We encourage you to review the privacy policies of any third-party sites you visit through our service. We are not responsible for the privacy practices, content, or security of any third-party websites.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we make changes, we will update the “Last updated” date at the top of this page.

We encourage you to review this page periodically to stay informed about how we handle your information. Your continued use of SpecialFinance.ai after any changes to this policy constitutes your acceptance of those changes.

11. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us:

Mailing address: SpecialFinance.ai, P.O. Box 266, Bellevue, OH 44811