This privacy policy explains how Hidden Meadow Lending ("Hidden Meadow Lending," "we," "us" or "our") collects, uses, shares and protects information when you visit hiddenmeadowslending.com or submit a loan request through our website. Hidden Meadow Lending is a free loan-matching service, not a lender. Because our service works by sharing your request with lenders and partners in our network, please read this policy carefully before you submit any information.
By using our website or submitting a request, you agree to the practices described here. If you do not agree, please do not use the website or submit a request.
Information Hidden Meadow Lending Collects
Hidden Meadow Lending collects information you provide directly, information collected automatically when you use the website, and information we receive from third parties such as lenders and data providers.
Information you provide
When you complete our request form or contact us, you may provide:
- Identity and contact details, such as your name, home address, email address, phone number and date of birth.
- Your Social Security number, used by lenders to verify identity and review credit.
- Financial details, such as the loan amount and purpose you request, income source and amount, pay frequency, employment information and housing status.
- Bank account information, such as the type of account you hold and details lenders may need to deposit funds and set up payments.
- Any message or information you send when you email, call or write to us.
Information collected automatically
When you visit the website, we and our service providers may automatically collect your IP address, browser type, device type and operating system, approximate location derived from your IP address, referring website, pages viewed, links clicked, time spent on pages, and the date and time of your visit. We collect this information through cookies, pixels, log files and similar technologies described below.
Information from third parties
We may receive information about you from lenders and partners in our network (for example, whether a lender made an offer or funded a loan), from identity verification and fraud prevention services, from consumer reporting agencies where permitted by law, and from advertising and analytics partners.
How We Use Your Information
Hidden Meadow Lending uses your information to process your loan request, match it with lenders, communicate with you, operate and improve the website, prevent fraud, and comply with the law.
Specifically, we may use your information to:
- Submit your request to lenders and partners in our network so they can review it and, if they choose, present an offer.
- Verify your identity and help detect and prevent fraud, abuse and security incidents.
- Respond to your questions and provide customer support.
- Contact you about your request by phone, text message or email, as described below.
- Measure and analyze website traffic and the performance of our service and advertising.
- Maintain, secure and improve our website and request form.
- Comply with legal obligations, enforce our terms of use, and protect our rights and the rights of others.
How We Share Your Information
Hidden Meadow Lending shares the information in your request with lenders and partners in our network, with service providers that help us operate, and with others when required by law.
Lenders and partners in our network
The core of our service is sharing your request. When you submit a request, we share the information you provide with lenders, lending networks and marketing partners that may be able to make you an offer or connect you with another lender. These companies may verify your information, check your credit, contact you, and use your information under their own privacy policies, which we do not control. We encourage you to read the privacy policy of any lender you work with.
Service providers
We share information with companies that perform services for us, such as website hosting, data storage, form processing, identity verification, fraud prevention, analytics, customer support and email or text message delivery. These providers may use your information only to perform services for us.
Legal and safety reasons
We may disclose information if we believe it is required by law, subpoena or other legal process, or necessary to protect the rights, property or safety of Hidden Meadow Lending, our users or others, including to detect and prevent fraud.
Business transfers
If Hidden Meadow Lending is involved in a merger, acquisition, financing, reorganization or sale of assets, your information may be transferred as part of that transaction, subject to this policy.
We may also share de-identified or aggregated information that cannot reasonably be used to identify you.
Consent to Be Contacted
By submitting a request, you agree that Hidden Meadow Lending and lenders and partners in our network may contact you by phone, text message and email about your request, and you can opt out at any time.
These contacts may be made to the phone number and email address you provide, including by automated technology or prerecorded messages where permitted by law. Your consent is not a condition of obtaining a loan. Message and data rates may apply, and message frequency varies.
You can opt out at any time:
- Text messages: reply STOP to any text message. You may receive one message confirming your opt-out.
- Email: click the unsubscribe link in any marketing email.
- Phone calls: ask the caller to place you on their do-not-call list.
- Our communications: email us at [email protected] and ask to stop receiving messages from Hidden Meadow Lending.
Opting out of messages from us does not opt you out of messages from lenders or partners that have already received your request. To stop those, contact each company directly or use the opt-out method in its messages.
Cookies and Similar Technologies
Hidden Meadow Lending uses cookies, pixels and similar technologies to keep the website working, remember your preferences, measure traffic and understand how visitors find and use our service.
Cookies are small text files stored on your device. Some are necessary for the website and request form to function. Others help us count visits, see which pages are useful, and measure whether our advertising reaches people who might benefit from our service. Our analytics and advertising partners may set their own cookies and collect information about your activity on our website and other websites over time.
You can control cookies through your browser settings, including blocking or deleting them. If you block necessary cookies, parts of the website, including the request form, may not work properly. Some browsers offer a "Do Not Track" setting; because there is no common industry standard for these signals, our website may not respond to them. Where required by applicable law, we will honor recognized opt-out preference signals.
How We Protect Your Information
Hidden Meadow Lending uses reasonable administrative, technical and physical safeguards, including encryption in transit, to protect the information you submit through our website.
Our request form transmits data using encrypted connections, access to personal information is limited to people and providers who need it, and we review our security practices periodically. No method of transmission or storage is completely secure, however, so we cannot ensure the absolute security of your information. Please protect your own devices and email accounts, and contact us right away if you believe your information has been misused.
How Long We Keep Information
Hidden Meadow Lending keeps personal information only as long as reasonably needed to provide the service, meet legal and regulatory obligations, resolve disputes and enforce our agreements.
The length of time depends on the type of information and why it was collected. When information is no longer needed, we delete it or de-identify it. Information already shared with lenders and partners is retained under their own policies.
Your Choices and State Privacy Rights
Depending on where you live, you may have rights to know, access, correct or delete your personal information and to opt out of certain sharing. You can make a request by emailing [email protected] at any time.
Several U.S. states give residents privacy rights, which may include the right to:
- Know what categories and specific pieces of personal information we have collected about you.
- Request a copy of your personal information.
- Correct inaccurate personal information.
- Request deletion of your personal information, subject to legal exceptions.
- Opt out of the sale or sharing of personal information, or its use for targeted advertising, where those terms apply.
- Not be treated differently for exercising your privacy rights.
Some information we handle, such as information covered by federal financial privacy laws, may be exempt from certain state requirements. To submit a request, email [email protected] with your name, the email address and phone number you used, and the type of request. We will verify your identity before responding, and you may use an authorized agent where state law allows. If we deny your request, you may appeal by replying to our response. We aim to respond within the time required by applicable law.
Children's Privacy
Hidden Meadow Lending's website and service are not directed to anyone under 18, and we do not knowingly collect personal information from anyone under 18.
If we learn that we have collected information from a person under 18, we will delete it. If you believe a minor has submitted information to us, please contact us at [email protected].
Changes to This Privacy Policy
Hidden Meadow Lending may update this privacy policy from time to time, and the updated version takes effect when it is posted on this page.
If we make material changes, we will post the revised policy here and may provide additional notice where required. Your continued use of the website after changes are posted means you accept the updated policy. This privacy policy is effective as of the date posted on this page.
How to Contact Hidden Meadow Lending About Privacy
Questions or requests about this privacy policy can be sent to Hidden Meadow Lending by email, phone or mail during our regular support hours.
- Email: [email protected]
- Phone: (888) 321-4754 (Monday–Friday, 8:00 a.m.–6:00 p.m. Pacific Time)
- Mail: 9853 Maple Court, Suite 818, Salem, OR 97301
For information about how we are compensated, see our advertiser and lending disclosure.
