CCPA / Do Not Sell My Personal Information
Last updated: October 2026
1. Introduction
First Light Lending ("we," "us," "our") respects your privacy and is committed to complying with the California Consumer Privacy Act ("CCPA") and other applicable privacy laws. This page describes the rights of California residents regarding their personal information and explains how to exercise those rights.
2. Information We Collect
We collect the following categories of personal information:
- Identifiers: Name, email address, phone number, postal address, IP address
- Financial Information: Employment status, monthly income, credit rating, requested loan amount
- Demographic Information: Date of birth, state of residence
- Commercial Information: Records of requests submitted and loan offers received
- Internet Activity: Browser type, device information, pages visited
- Consent Records: E-SIGN consent, credit authorization consent, marketing consent
3. How We Use Your Information
We use your personal information to:
- Process your loan request and connect you with lenders in our network
- Verify your identity and eligibility
- Facilitate communications between you and potential lenders
- Respond to inquiries and provide customer support
- Comply with legal and regulatory requirements
- Send marketing communications (only with your consent)
4. Your CCPA Rights
As a California resident, you have the following rights under the CCPA:
4.1 Right to Know
You have the right to request a copy of the personal information we have collected about you, including the categories of information, the sources, the purpose of collection, and the third parties with whom we have shared it.
4.2 Right to Delete
You have the right to request the deletion of your personal information, subject to certain exceptions (such as information needed to complete transactions or comply with legal obligations).
4.3 Right to Correct
You have the right to request that we correct inaccurate personal information about you.
4.4 Right to Opt-Out of Sale or Sharing
You have the right to opt out of the "sale" or "sharing" of your personal information. Under the CCPA, the term "sale" is broadly defined and may include the transfer of personal information to third parties for value. We share your information with lenders and lending partners in our network to process your loan request. To exercise your right to opt out, use the request form below or contact us at the information provided in Section 6.
4.5 Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. We will not deny you our services, charge different prices, or provide a different level of service based on your exercise of these rights.
5. Do Not Sell My Personal Information
To submit a "Do Not Sell My Personal Information" request, please contact us using one of the methods below. Please include your full name, email address, and a statement that you wish to opt out of the sale or sharing of your personal information. We will process your request within 15 business days.
You may also submit a request through an authorized agent. If using an authorized agent, please provide written authorization signed by you.
6. How to Submit a Request
To exercise any of your CCPA rights, contact us using one of the following methods:
- Email: support@firstlightenlending.com
- Phone: (800) 552-5189
- Mail: 100 Congress Ave, Suite 2200, Austin, TX 78701
- Online: Use our Contact page to submit your request
We will verify your identity before processing your request. For certain requests, we may ask for additional information to confirm your identity.
7. Financial Incentives
We do not offer any financial incentives for the collection or deletion of personal information.
8. Children's Privacy
Our Site is not directed to individuals under 18, and we do not knowingly collect personal information from children under 16. If you believe we have collected information from a child under 16, please contact us.
9. Changes to This Notice
We may update this CCPA notice from time to time. Changes will be posted on this page with an updated "Last updated" date.
First Light Lending is a referral service, not a lender. APR range: 5.99% - 35.99%. For questions about this policy, contact us at support@firstlightenlending.com or (800) 552-5189.