Last Updated: January 1, 2026
This Privacy Policy describes how THREESTICKS ("we," "us," or "our") collects, uses, and shares your personal information when you visit threesticklendings.com (the "Site") or use our online connection service. This policy is effective as of the date listed above and complies with applicable federal and state privacy laws, including the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), effective January 1, 2026.
When you submit a loan request through our Site, we collect the following personal information:
When you visit our Site, we automatically collect:
We may receive information about you from our third-party lending partners, data providers, and marketing partners to verify your identity or match you with appropriate services.
We use your personal information for the following purposes:
As an online connection service, the primary purpose of collecting your information is to share it with third-party lending partners. We share your information in the following circumstances:
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), effective January 1, 2026:
You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the categories of sources, the business or commercial purpose for collecting the information, and the categories of third parties with whom we have shared the information.
You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (e.g., information needed to complete a transaction, detect fraud, or comply with legal obligations).
You have the right to request correction of inaccurate personal information we maintain about you.
You have the right to opt out of the "sale" or "sharing" of your personal information. Under the CCPA/CPRA, the term "sale" is broadly defined and may include the sharing of information with third-party lending partners for monetary or other valuable consideration. To exercise this right, please visit our CCPA Opt-Out page or contact us at support@threesticklendings.com.
You have the right to limit the use of your sensitive personal information (such as Social Security Number and financial account information) to the purposes necessary to perform the services or provide the goods reasonably expected.
We will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not deny you services, charge different prices, or provide a different level of service based on your exercise of these rights.
To exercise any of your rights under the CCPA/CPRA, please submit a request to us by emailing support@threesticklendings.com or by visiting our CCPA Opt-Out page. We will verify your identity before processing your request and will respond within 45 days of receipt.
You may designate an authorized agent to submit requests on your behalf. We will require written permission from you authorizing the agent to act on your behalf and may require the agent to verify their identity.
Under the CPRA, "sensitive personal information" includes Social Security numbers, driver's license numbers, financial account information, and precise geolocation. We collect sensitive personal information only as necessary to facilitate your loan request and share it with lending partners for that purpose. We do not use or disclose sensitive personal information for purposes other than those disclosed in this policy without your consent or as required by law.
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, including to comply with legal, accounting, and reporting requirements. When your information is no longer needed, we will securely delete or anonymize it.
We use cookies and similar tracking technologies to track activity on our Site and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. If you do not accept cookies, some portions of the Site may not function properly.
Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.
We implement reasonable technical, administrative, and physical safeguards designed to protect your personal information. We use 256-bit SSL encryption to protect data in transit. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Our Site is not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us at support@threesticklendings.com and we will promptly delete it.
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.
If you have questions or concerns about this Privacy Policy or our data practices, please contact us at: