This privacy policy explains how Northern Star Loan (“Northern Star Loan,” “we,” “us” or “our”) collects, uses, shares and protects information when you visit northernstarloan.com or submit a loan-matching request. Northern Star Loan is a free connector service, not a lender. Because our service works by sharing your request with independent lenders and partners, we want you to understand exactly how that sharing works before you submit anything. By using the site, you agree to the practices described here.
Information we collect
Northern Star Loan collects information you give us directly through our request form, information collected automatically when you browse the site, and information we receive from lenders, partners and service providers.
Information you provide
- Identity and contact details: name, email address, phone number, mailing address and date of birth.
- Financial details: requested loan amount, loan purpose, income, employment status, pay frequency, housing status and checking account details where a lender requires them.
- Identifiers: all or part of your Social Security number when requested for identity and credit verification.
- Communications: messages you send to our support team and your contact preferences.
Information collected automatically
- Device and browser type, operating system and language settings
- IP address and approximate location derived from it
- Pages viewed, time on page, referring pages and form interactions
- Cookie identifiers and similar technology data
Information from others
Lenders and partners may tell us whether they made you an offer or whether a loan funded. We may also receive information from identity verification, fraud prevention and data services to confirm details and protect against misuse.
How we use information
Northern Star Loan uses your information to match your request with lenders and partners, to let them and us contact you, to verify identity and prevent fraud, and to operate and improve the service.
- Processing and matching your loan request
- Communicating with you about your request, offers and related services
- Responding to support questions and privacy requests
- Detecting, investigating and preventing fraud, abuse and security incidents
- Measuring site performance and improving our forms, pages and guides
- Meeting legal, regulatory and compliance obligations
Sharing with lenders and partners
Northern Star Loan shares the information in your request with independent lenders and lending partners in our network so they can evaluate it, contact you and, where appropriate, present an offer.
Lenders and partners that receive your information may verify your identity, obtain your credit report, and keep your information under their own privacy policies, which may differ from ours. We encourage you to read each lender’s privacy notice before accepting an offer. If no lender in our direct network can help, we may share your request with other partners that offer related financial products or services, consistent with the consent you give on the form.
Other sharing
- Service providers that host the site, send communications, analyze usage or prevent fraud, under contracts that limit their use of your information.
- Legal and safety disclosures when required by law, legal process or to protect the rights, property or safety of users, partners or the public.
- Business transfers, such as a merger, acquisition or sale of assets, where information may be transferred to a successor that agrees to protect it.
We do not sell your information to unrelated companies for their own general marketing outside the lending and financial-services purposes described here.
Cookies and analytics
Northern Star Loan and its service providers use cookies, pixels and similar technologies to remember preferences, keep forms working, measure traffic and understand which pages are most helpful.
Some cookies are necessary for the site to function. Others support analytics or help us measure the results of advertising. You can block or delete cookies in your browser settings, though some features, such as saving your progress on the form, may not work properly. Some browsers send a “Do Not Track” signal; because there is no common standard for these signals, our site may not respond to them, but we honor recognized opt-out preference signals where state law requires.
Consent to contact
Borrowers who submit a request agree that Northern Star Loan, its lenders and partners may contact them by phone, text message or email about the request, including through automated technology, at the number and address provided.
In plain terms: when you check the consent box and submit the form, you are giving permission to be contacted about your request and related offers. Consent is not required to obtain a loan or any other product. Message and data rates may apply. You can withdraw consent at any time by replying STOP to a text message, using the unsubscribe link in an email, telling the caller you no longer wish to be contacted, or contacting our support team. Opting out with us does not stop contact from a lender you are already working with; contact that lender directly as well.
Data retention
Northern Star Loan keeps personal information only as long as reasonably needed to provide the service, meet legal and regulatory requirements, resolve disputes and enforce agreements, and then deletes or de-identifies it.
Retention periods vary based on the type of information and the reason we hold it. Records of consent to contact, for example, may be kept longer because we may need them to show that contact was authorized.
Security
Northern Star Loan uses administrative, technical and physical safeguards designed to protect your information, including encrypted connections, access controls and monitoring for unusual activity.
No system is completely secure, and we cannot promise that information will never be accessed without authorization. Protect yourself by using a secure device and network, and never share one-time codes or passwords with anyone who contacts you. We will never ask for your password or full account number by email.
Your choices
Borrowers can choose not to submit a request, opt out of marketing messages, manage cookies through browser settings, and ask us to access, correct or delete their information where the law allows.
- Email: use the unsubscribe link in any marketing email.
- Text messages: reply STOP to opt out.
- Phone calls: ask to be placed on our internal do-not-call list.
- Cookies: adjust your browser settings or use available opt-out tools.
- Corrections: contact support to update inaccurate details.
California and other state privacy rights
Residents of California and several other states may have rights to know what personal information is collected, to request access, correction or deletion, and to opt out of certain sharing or targeted advertising.
Depending on where you live, these rights may include:
- The right to know the categories and specific pieces of personal information we collect, use and disclose
- The right to request deletion of personal information, subject to legal exceptions
- The right to correct inaccurate personal information
- The right to opt out of the sale or sharing of personal information and of targeted advertising
- The right to limit use of sensitive personal information in certain cases
- The right not to be treated differently for exercising these rights
Some information we collect may be covered by federal financial privacy laws, which can affect how state laws apply. To make a request, contact us using the details below. We will verify your identity before acting, and you may use an authorized agent where the law allows. If we deny a request, you may be able to appeal by replying to our decision.
Lender websites and applications
Lender websites and applications you visit after receiving an offer are operated by those lenders, and information you provide there is handled under each lender’s own privacy policy rather than this one.
Before entering bank details or signing documents on a lender’s site, confirm that you are on a secure page and read how that lender collects, uses and shares information. If you have questions about a lender’s practices, contact the lender directly.
Children’s privacy
Northern Star Loan is intended only for adults, and we do not knowingly collect personal information from anyone under 18; if we learn that we have, we will delete it promptly.
Changes to this policy
Northern Star Loan may update this privacy policy as our practices or legal requirements change, and the revised version will be posted on this page with material changes highlighted where appropriate.
Continued use of the site after an update means you accept the revised policy. Please review this page from time to time.
Contact us
Questions or privacy requests can be sent to Northern Star Loan by email at [email protected], by phone at (888) 573-0713, or by mail to 3521 Lakeview Street, Suite 424, Nashville, TN 37219.
Please use the subject line “Privacy Request” and include the email or phone number you used on your request. You can also visit our contact page, review our terms of use, or read how matching works.