When you use Apex Core's services, we collect information necessary to evaluate your loan application, verify your identity, and service your account. This includes:
We use the information we collect for the following purposes:
Apex Core may obtain consumer credit reports from one or more of the major consumer reporting agencies (Equifax, Experian, TransUnion) to evaluate your application. We may also report your account and payment history to these agencies.
Under the Fair Credit Reporting Act (FCRA), you have the right to:
To obtain a free copy of your credit report, visit AnnualCreditReport.com or call (877) 322-8228.
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information only in the following circumstances:
We engage trusted third-party service providers who perform functions on our behalf, including identity verification vendors, credit bureaus, payment processors, cloud hosting providers, and fraud detection services. These providers are contractually required to protect your information and may only use it for the specific purposes we authorize.
In some cases, your application may be reviewed by one or more of our lending partners to find you the best available terms. By submitting an application, you authorize us to share your application information with such partners.
We may disclose your information when required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
In the event of a merger, acquisition, or sale of substantially all of our assets, your information may be transferred as part of that transaction. We will notify you via email or a prominent notice on our website before your information becomes subject to a different privacy policy.
We use cookies and similar tracking technologies to operate and improve our website. Cookies are small data files stored on your browser.
You can control cookie preferences through your browser settings. Disabling certain cookies may affect website functionality. Most browsers allow you to refuse new cookies, delete existing cookies, and browse in private/incognito mode.
We take the security of your information seriously and implement industry-standard safeguards, including:
No method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. In the event of a data breach that affects your rights or freedoms, we will notify you as required by applicable law.
Depending on your location, you may have the following rights regarding your personal information:
To exercise any of these rights, please contact us at privacy@apexcore.com or write to us at the address below. We will respond within 30 days of receiving your request.
If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights:
California residents may also designate an authorized agent to make requests on their behalf by providing written authorization.
We retain your information for as long as necessary to provide our services and comply with legal obligations. Specifically:
When your data is no longer required, we securely delete or anonymize it.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
For general inquiries, visit our Contact page.
We reserve the right to update this Privacy Policy from time to time. Material changes will be communicated by email or by a prominent notice on our website at least 30 days before taking effect. Your continued use of our services after any changes constitutes acceptance of the revised policy.