The Card / Privacy Policy

Privacy Policy.

Last Updated · September 1, 2025
This Privacy Policy describes how HeddleLoans LLC, headquartered at 3532 S Christine St, Salt Lake City, UT 84106, United States, collects, uses, retains, and protects personal information obtained through this website (heddleloa.shop) and in the course of providing credit and finance services. By using this website or providing information to us, you acknowledge the practices described below.

1. Scope of This Policy

This policy applies to personal information collected from visitors to this website, applicants, borrowers, and individuals who communicate with us by email or telephone. It does not apply to third-party websites or services linked from this site.

2. Information We Collect

2.1 Information You Provide

  • Contact details: name, organization, email address, telephone number, and mailing address.
  • Application data: information needed to underwrite a credit facility — financial position, collateral details, and borrowing purpose.
  • Account records: applications, credit agreements, payment histories, and correspondence.

2.2 Information Collected Automatically

  • Technical data: IP address, browser type and version, device information, referring URLs, and pages visited.
  • Usage data: date and time of visits and pages viewed.

2.3 Information We Do Not Collect

This website does not process payments online and does not store payment card numbers.

3. How We Use Information

  • Responding to inquiries and evaluating credit applications;
  • Underwriting, documenting, and administering credit facilities;
  • Maintaining account records, agreements, and payment histories;
  • Communicating about applications, terms, payments, and account status;
  • Complying with lending, disclosure, and record-keeping obligations — including fair lending and consumer credit law;
  • Protecting the security and integrity of our website and systems.

We do not sell personal information, and we do not share borrower or account details with third parties for marketing.

4. How We Share Information

  • Service personnel: underwriting and servicing staff assigned to the account under confidentiality obligations;
  • Reporting and verification: credit reporting agencies, collateral registries, and verification services as permitted by law and stated in the credit agreement;
  • Service providers: vendors performing functions on our behalf — website hosting, email delivery, file systems — under confidentiality obligations;
  • Legal obligations: when required by law, regulatory authority, or enforceable government request;
  • Protection of rights: when necessary to protect the rights, property, or safety of the company, our borrowers, or others — including fraud prevention;
  • Business transfers: in connection with a sale, assignment, or repackaging of loans, subject to continued protection of the information.

5. Confidentiality of Credit Data

Applications, credit data, and account histories are treated as confidential borrower matter. Access is limited to personnel assigned to the account, logged, and retained only as required by the agreement or lending law.

6. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected — including account records and regulatory retention requirements — after which it is securely destroyed or anonymized.

7. Data Security

We maintain reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, disclosure, alteration, and destruction. No method of electronic storage or transmission is completely secure, and we cannot guarantee absolute security.

8. Cookies and Analytics

This website may use cookies and similar technologies for essential functionality and aggregate usage analysis. You may configure your browser to refuse cookies; core site content remains accessible without them.

9. Your Privacy Rights

Depending on your jurisdiction, you may have rights regarding your personal information, including:

  • The right to request access to the personal information we hold about you;
  • The right to request correction of inaccurate information;
  • The right to request deletion, subject to legal retention obligations;
  • For California residents, the rights provided under the California Consumer Privacy Act (CCPA), as amended, including the rights to know, delete, and correct, and the right not to be discriminated against for exercising these rights.

To exercise these rights, contact us at shuyi.fang@heddleloa.shop or +1 574 834 8558. We will verify your request and respond within the time required by applicable law.

10. Children's Privacy

This website and our services are directed to adults and business parties. We do not knowingly collect personal information from children under the age of 13. If we learn that we have collected such information, we will delete it promptly.

11. Third-Party Links

This website may contain links to third-party websites for convenience. We are not responsible for the privacy practices or content of those sites.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last Updated" date. Continued use of the website after changes take effect constitutes acceptance of the revised policy.

13. Contact Us

Questions or requests regarding this Privacy Policy may be directed to: