ModerniFi Privacy Policy

About Our Services

ModerniFi operates as a loan referral platform. We connect consumers with lending partners but do not directly fund loans or make credit decisions. Submitting information through our website does not guarantee loan approval. All loan terms depend on lender evaluation, credit history, and eligibility requirements.

Our services are not available in all states. Contact us to confirm availability in your area.

Information We Collect

When you use our services, we may collect:

• Contact details (name, address, email, phone number)


• Financial information (income, employment status, credit card details)


• Identification data (Social Security number, date of birth)


• Technical data (IP address, browser type, device information)

How We Use Your Information

We use your data to:

• Connect you with appropriate lending partners


• Process your loan applications and service requests


• Improve our platform and customer experience


• Send service updates and promotional offers (with your consent)


• Comply with legal obligations and prevent fraud

Sharing Your Information

We may share your personal information with:

• Lending Partners: To process your loan requests


• Service Providers: Third parties who assist with our operations


• Affiliated Companies: Entities under common ownership with ModerniFi


• Marketing Partners: For promotional purposes (you can opt out)

We do not sell your personal information to unaffiliated third parties without providing you an opt-out opportunity.

Cookies and Tracking Technologies

Our website uses cookies to enhance your browsing experience. Session cookies help you navigate the site and expire when you close your browser. Persistent cookies remember your preferences for future visits.

We also use web beacons in emails to track engagement and measure campaign effectiveness. You can disable cookies in your browser settings, though some site features may be limited.

Third-Party Services

Evvo Partnership: We may share your information with Evvo Inc. and their lending network to match you with suitable financial products. Evvo may also share data with credit bureaus like TransUnion. Review Evvo's privacy policy at: https://askevvofinancial.com/assets/pdf/Disclosures%20to%20Borrower_Privacy%20Policy.pdf

Data Security

We use industry-standard security measures including:

• SSL encryption for data transmission


• Secure servers protected by firewalls


• Regular security assessments

While we implement strong protections, no internet transmission is completely secure. Unencrypted email is not a secure communication method for sensitive information.

Your Privacy Rights

You have the right to:

• Access and update your personal information


• Request deletion of your data (subject to legal requirements)


• Opt out of marketing communications


• Withdraw consent for data sharing

Opt-out requests are processed within 7 business days.

California Residents

Under California Civil Code Section 1798.83, California residents may request information about third parties who received their personal data for direct marketing purposes during the previous calendar year.

Your Consent

By using our website, you consent to this privacy policy. If you provide your phone number, you agree to receive calls from ModerniFi and our partners. This consent is obtained electronically per the E-SIGN Act. We maintain records of your consent, including IP addresses and timestamps, for at least four years.

Policy Updates

We may modify this policy periodically. Material changes will be posted on our website and homepage. We encourage you to review this policy regularly.

External Links

Our website may link to third-party sites. We are not responsible for their privacy practices. Please review the privacy policies of any external sites you visit.

Business Transfers

If ModerniFi undergoes a merger, acquisition, or asset sale, your personal information may be transferred. You will be notified via email and website notice 30 days prior to any such transfer.

© 2025 ModerniFi. This privacy policy is effective as of the date listed above.