Last Updated: April 3, 2026
At Clear Harbor Financial ("Clear Harbor Financial," "we," "our," "us"), your privacy is important to us. This Privacy Policy describes the information we, our parent entities, subsidiaries, and affiliates collect about you, how we collect it, how we use your information, whom we disclose your information to, and the steps we take to protect your information. This Privacy Policy further describes our privacy practices with respect to guarding the confidentiality and security of your personal information and the information you submit to us.
This Privacy Policy describes our privacy practices related to your access and use of Clear Harbor Financial Services. When we say "Clear Harbor Financial Services" or "Services," this means the products and services that are made available and directly provided by Clear Harbor Financial or its subsidiaries and affiliates, through our websites and mobile applications. This includes, for example, our personal loan, debt consolidation, business loan, and home improvement loan products and services.
Please note Clear Harbor Financial is a financial services company and most of our data collection, use, and sharing practices are governed by the federal Gramm-Leach-Bliley Act. By using and accessing the Clear Harbor Financial Services, you are consenting to receive notices about your financial privacy electronically.
We encourage you to read the entire Privacy Policy. By using the Clear Harbor Financial Services, you acknowledge that you have read and agree to the Privacy Policy. Your use of the Clear Harbor Financial Services is subject to the Clear Harbor Financial Terms of Use and your use of any program offered through this site may be subject to additional terms (collectively, the "Terms"). We use the same terms here as in Terms. We will let you know in this Privacy Policy if we have a new or different definition of a term.
When we say "Personal Information," we use this as a general term to mean information that can be any information about an individual from which that person can be reasonably identified.
We may collect Personal Information directly from you when you use the Clear Harbor Financial Services — for example, when you apply or request to prequalify for a financial product or fill out calculators, forms, or other fields on the Website.
Here are the types of Personal Information we may collect:
When you use Clear Harbor Financial Services, we may also obtain information about you from unaffiliated third parties, such as our business partners, referral partners, or advertisers when you authorize these parties to do so. The information we collect depends on the type of third party and what you authorize them to share with us. For example, we collect Personal Information from:
When we combine or associate information from other sources with your Personal Information that we collect through the Clear Harbor Financial Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.
When you interact with us, use the Clear Harbor Financial Services, or open an email from Clear Harbor Financial, we may automatically receive and record certain information from your computer, web browser, and/or mobile device.
Here are the types of data that we automatically collect:
When you use the Clear Harbor Financial Services, we may send one or more cookies and similar tracking technologies.
Cookies are text files, containing small amounts of information, which are downloaded to your device as you browse the web or use a web-enabled app. There are two broad categories of cookies:
Cookies can remain on your computer or mobile device for different periods of time:
Like most companies, we generally use cookies to track the number of unique visitors and information such as the number of views a page gets, how much time a user spends on a page, and other web statistics; monitor the performance of our Services and to continually improve them; and customize and enhance your online experience.
Most browsers allow you to adjust your cookie settings. These settings will typically be found in the "options" or "preferences" menu of your browser. In order to adjust these settings, please consult the "Help" function of your browser, or the documentation published online for your particular browser type and version.
You can opt out of interest-based advertising by visiting the DAA Opt-Out Page or the NAI Opt-Out Page. You can also opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.
Please note that your opt-out choice will apply only to the browser and device you are using when you opt out.
Your information is an integral part of our operations, and we use it in a variety of ways in providing the Clear Harbor Financial Services and in operating our business. We use your Personal Information to:
We disclose your information to our affiliated and unaffiliated third parties in the following circumstances depending on how you interact with Clear Harbor Financial Services:
Do not submit a request for information or services if you do not want your Personal Information disclosed as described above. Once you have submitted a request and we have disclosed your information as described above, the terms of the third party's privacy policy will apply to that party's use of your information.
Our websites and Services may contain links to third-party websites, which may have privacy policies that differ from our own. You should be aware that the collection, retention, and use of any data you provide on these websites will be governed by the privacy policy of the company providing the website and not by this Privacy Policy. Clear Harbor Financial therefore encourages you to read the privacy policies and terms and conditions of linked or referenced websites you enter.
These third-party websites may send their own cookies and other tracking devices to you, log your IP address, and otherwise collect data or solicit Personal Information. Clear Harbor Financial DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR WHAT THIRD PARTIES DO IN CONNECTION WITH THEIR WEBSITES, OR HOW THEY HANDLE YOUR PERSONAL INFORMATION. PLEASE EXERCISE CAUTION AND CONSULT THE PRIVACY POLICIES POSTED ON EACH THIRD-PARTY WEBSITE FOR FURTHER INFORMATION.
Clear Harbor Financial may retain your Personal Information for as long as is necessary to carry out the purposes set out in this Privacy Policy or as otherwise required or permitted by applicable law. When determining the retention period, we take into account various criteria, such as the nature of the use of our Services, your general relationship with us, the impact on our ability to provide you our Services if we delete your Personal Information, mandatory retention periods provided by law and the statute of limitations, and our use of your Personal Information for aggregated market research.
If you no longer want Clear Harbor Financial to use your information to provide the Services to you, you may close your account. Although your deactivated status is reflected promptly in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance, or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your Personal Information from any further processing until such time as we are able to delete, anonymize, or de-identify it.
Below are the types of controls and options you have to manage the privacy of your Personal Information. Because some states provide their residents with specific rights in relation to their personal information, the scope of your rights with respect to the data we collect and process may vary depending on where you live.
To help protect your privacy and secure your Personal Information, you may be asked to provide additional information to verify your identity and/or ownership rights prior to us exercising your data rights. If we are unable to verify your identity or ownership rights to the data, we may not be able to provide you with data rights until you are able to provide us with proper documents.
If you do not wish to receive email offers or newsletters from us, you can opt out of receiving emails from us (except for emails related to the completion of your registration, correction of user data, change of password, and other similar communications essential to your transactions through the Services) by using the unsubscribe process at the bottom of any marketing email from us. Although your changes are reflected promptly in active user databases, we may retain all information you submit for a variety of purposes, including backups and archiving, prevention of fraud and abuse, and analytics.
We may provide our registered customers with SMS alerts regarding their activity on the Service. Customers have the ability to opt out of receiving these SMS alerts by texting the word STOP in response to any message you receive from us. Upon receipt of your STOP message, we will send you an SMS message to confirm that you have been unsubscribed. At that point, you will no longer receive any further SMS messages from us.
We use certain physical, managerial, and technical safeguards that are designed to protect the integrity and security of your information. We cannot, however, ensure or warrant the security of any information you share or store with us through the Clear Harbor Financial Services, and you do so at your own risk.
Protecting your Personal Information is also your responsibility. Be mindful of keeping your password and other authentication information safe from third parties, and immediately notify us of any unauthorized use of your login credentials.
Clear Harbor Financial Services are intended for use by general audiences and are not targeted directly at children under 16. Children under the age of 16 are not permitted to use the Clear Harbor Financial Services, and we do not seek or knowingly collect any Personal Information about children under 16 years of age. If we become aware that we have unknowingly collected information about a child under 16 years of age, we will make commercially reasonable efforts to delete such information from our database. If you are the parent or guardian of a child under 16 years of age who has provided us with their Personal Information, you may contact us at privacy@clearharborfinancial.com to request that it be deleted.
We reserve the right to make changes to this Privacy Policy at any time. Any changes will be effective immediately upon the posting of the updated Privacy Policy, or such later date as may be specified in the updated Privacy Policy. We will notify you about material changes in the way we treat your information, such as by placing a prominent notice on the Clear Harbor Financial Services or by sending you an email so that you can choose whether to continue using the Clear Harbor Financial Services.
Please revisit this page periodically to stay aware of any changes to this Privacy Policy. Your continued use of our websites or Clear Harbor Financial Services after such amendments will be deemed your acknowledgement of these changes to the Privacy Policy. For the avoidance of doubt, disputes arising hereunder will be resolved in accordance with the Privacy Policy in effect at the time the dispute arose.
Please contact us with any questions or comments about this Privacy Policy, your Personal Information, our use and disclosure practices, or your consent choices:
The Clear Harbor Financial Services are hosted in the United States and are intended solely for visitors located within the United States. The information we provide and the third-party products and services featured are tailored for the United States market only. You agree that if you choose to use the Clear Harbor Financial Services from outside the United States, you will be transferring your information outside of those regions to the United States for storage and processing.
This section contains disclosures required by the California Consumer Privacy Act ("CCPA") and applies only to "Personal Information" that is subject to that law. California residents have the right to know what Personal Information we collect, the right to request deletion of Personal Information, the right to opt out of the sale of Personal Information, and the right to non-discrimination for exercising these rights. To exercise your CCPA rights, please contact us at privacy@clearharborfinancial.com with the subject line "California Consumer Request."
Eligible residents of Colorado, Connecticut, Montana, Oregon, Texas, Utah, and Virginia also have rights with respect to the Personal Information that Clear Harbor Financial collects about them. Subject to certain exceptions, if you are an eligible resident of one of these states, you may have certain privacy rights which may include:
You may exercise these rights by sending us an email at privacy@clearharborfinancial.com with the subject line "[State] Consumer Request" and the relevant right identified in the body of the email.
Nevada law gives Nevada consumers the right to request that a company not sell their Personal Information for monetary consideration to certain other parties. This right applies even if their Personal Information is not currently being sold. If you are a Nevada consumer and wish to exercise this right, please send an email with the subject line "Nevada Resident Do Not Sell Request" to privacy@clearharborfinancial.com.