Cascade Services, LLC ("River Valley Loans," "we," "us," or "our") operates the website www.myrivervalleyloans.com (the "Site") as a free online loan matching marketplace. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit the Site or submit a loan request. Please read this policy carefully. If you do not agree with its terms, please do not access the Site.
1. Information We Collect
We may collect the following categories of personal information when you use the Site:
Identifiers
Your name, email address, ZIP code, and similar contact details you voluntarily provide when submitting a loan request form.
Financial Request Parameters
Desired loan amount and other financial preferences you select through the request questionnaire. We do not collect bank account numbers, Social Security Numbers, or income documents directly through this Site.
Device & Usage Data
Internet Protocol (IP) address, browser type and version, device identifiers, pages visited, referring URLs, and time-stamp data collected automatically through cookies and analytics technologies.
Communications
Any information you include when contacting us via the contact form or support email, including the subject, message content, and your email address.
2. How We Use Your Information
We use the personal information we collect for the following purposes:
- To match your submitted request profile with participating lenders in our network who may offer relevant loan products.
- To operate, maintain, and improve the Site and our matching services.
- To communicate with you regarding your request, respond to inquiries, and provide customer support.
- To send marketing or promotional communications where you have provided consent or where permitted by law. You may opt out at any time.
- To comply with applicable legal obligations, resolve disputes, and enforce our Terms of Service.
- To measure and analyze traffic, usage patterns, and conversion rates through analytics and advertising pixels.
3. Information Sharing
River Valley Loans does not sell your personal information to unrelated third parties for their own independent marketing purposes. However, by submitting a request through our Site, you expressly authorize us to share your information with the following categories of recipients:
Network Lenders: Authorized third-party lenders and lending partners within our marketplace network who may review your request and determine whether to make you a loan offer.
Service Providers: Third-party vendors who assist us in operating the Site, including hosting, analytics, email delivery, and fraud prevention services. These vendors are contractually obligated to handle your data only as directed by us.
Legal Requirements: We may disclose your information if required by law, subpoena, regulatory request, or to protect the rights, property, or safety of River Valley Loans, our users, or the public.
Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
4. Cookies and Tracking Technologies
We and our authorized service providers use cookies, web beacons, pixel tags, and similar tracking technologies to collect usage data, improve Site performance, and measure advertising effectiveness. Specifically, we may deploy:
- Analytics Tags (e.g., Google Analytics / Google Tag Manager) to understand how visitors navigate the Site.
- Advertising Conversion Pixels (e.g., Google Ads, Meta/Facebook Pixel, TikTok Pixel) to measure the effectiveness of our paid advertising campaigns.
- Affiliate Tracking Pixels (e.g., Voluum or similar platforms) to attribute conversions to specific traffic sources.
You may control cookies through your browser settings. Note that disabling cookies may affect Site functionality. Our Site does not currently respond to browser "Do Not Track" signals.
5. California Consumer Privacy Act (CCPA) Rights
If you are a California resident, you have the following rights under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act (CPRA):
- Right to Know: You may request disclosure of the categories and specific pieces of personal information we have collected about you.
- Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions.
- Right to Opt-Out: You may request that we not sell or share your personal information with third parties. To exercise this right, visit our Do Not Sell My Personal Information page.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
To submit a CCPA request, email us at support@myrivervalleyloans.com or use our opt-out form. We will respond within 45 days.
6. Data Security
We implement commercially reasonable administrative, technical, and physical security measures, including 256-bit SSL/TLS encryption, to protect your personal information from unauthorized access, use, or disclosure. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.
7. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Continued use of the Site after any changes constitutes your acceptance of the revised policy.
8. Contact Us
If you have questions about this Privacy Policy, please contact us:
Cascade Services, LLC — River Valley Loans
2532 Santee Cascade Rd, Santee, SC 29142
Phone: 1-888-293-1815