Privacy Policy
Effective date: September 2026
This Privacy Policy describes how ScratchOptions ("we," "us," or "our") collects, uses, and shares information when you use skratchpayoptions.com (the "Site"). Please read this policy carefully. By using the Site, you acknowledge the practices described here.
1. Information We Collect
We collect information you provide directly to us, including:
- Name and contact information (such as email address and phone number)
- ZIP code and state of residence
- Requested funding amount
- Other information you submit through our request form
We also collect certain information automatically when you visit the Site, including:
- Browser type, operating system, and device identifiers
- IP address and approximate location (derived from IP)
- Pages visited, referring URLs, and session duration
- Cookies and similar tracking technologies
2. How We Use Your Information
We use the information we collect to:
- Connect you with funding options providers who may be able to assist with your request
- Operate, maintain, and improve the Site
- Respond to your questions or communications
- Detect and prevent fraud or unauthorized use
- Comply with applicable legal obligations
3. How We Share Your Information
We share your information in the following circumstances:
- Participating providers: When you submit a request, we share your information with funding options providers in our network, as described in the consent language on the request form.
- Service providers: We may share information with companies that help us operate the Site (for example, hosting, analytics, and fraud prevention vendors). These parties are contractually limited to using your information only as needed to provide their services to us.
- Legal requirements: We may disclose information if required by law, court order, or government authority, or when we believe disclosure is necessary to protect our rights or the safety of others.
- Business transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information becomes subject to a materially different privacy policy.
We do not sell your personal information to third parties for their own marketing purposes without your consent. Sharing with participating providers as described above -- and as authorized by you at the time of your request -- is not a "sale" under applicable law.
4. Cookies and Tracking Technologies
We use cookies and similar technologies to operate the Site and understand how visitors use it. You can configure your browser to refuse cookies; however, some features of the Site may not function properly without them. We do not respond to browser "Do Not Track" signals at this time.
5. Data Retention
We retain your information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.
6. Security
We use reasonable technical and organizational measures to protect your information. No method of data transmission over the internet is completely secure, and we cannot guarantee absolute security.
7. Children's Privacy
The Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we learn we have inadvertently collected such information, we will delete it promptly.
8. California Residents -- Your Rights (CCPA)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA):
- Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you, as well as how it is used and shared.
- Right to Delete: You may request that we delete personal information we hold about you, subject to certain exceptions.
- Right to Opt Out of Sale or Sharing: You may direct us not to sell or share your personal information for cross-context behavioral advertising. See our Do Not Sell or Share My Personal Information page to submit this request.
- Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
To exercise your rights, contact us at support@skratchpayoptions.com. We will respond within the timeframe required by applicable law.
We do not sell personal information as that term is defined under the CCPA. Sharing information with funding options providers pursuant to your consent at the time of your request is a service you actively initiate -- it is not a sale for third-party marketing purposes.
9. Other State Privacy Rights
Residents of certain other states (including Virginia, Colorado, Connecticut, and Texas) may have similar rights regarding their personal information under applicable state law. Contact us at support@skratchpayoptions.com to exercise any such rights.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the updated policy. We encourage you to review this page periodically.
11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us at:
ScratchOptions is a marketing and referral service. We are not a lender and do not make credit or funding decisions. Submitting a request does not guarantee a funding offer.