Last updated: January 1, 2025

Privacy Policy

Ignyx.io ("Ignyx," "we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and protect information about you when you visit ignyx.io and submit information through our forms.

By using our website, you agree to this Privacy Policy. If you do not agree, please do not use our site.

1. Information We Collect

We collect the following categories of information:

• Personal information you provide: name, email address, phone number, state, ZIP code, date of birth, and financial or legal information you enter into our forms.
• Device and usage data: IP address, browser type, device type, operating system, pages visited, referring URL, session duration, and UTM parameters.
• Tracking identifiers: cookies and locally stored visitor IDs to recognize returning visitors and maintain session continuity.

2. How We Use Your Information

• To match you with relevant lenders, insurers, credit service providers, and attorneys.
• To transmit your inquiry to our affiliate network partners (LendingTree, Credible, CashNetUSA, and others).
• To personalize your experience and improve our matching algorithm.
• To analyze site usage and optimize performance.
• To comply with applicable law and respond to legal requests.

3. TCPA Disclosure

By submitting a form on this site, you expressly consent, on behalf of yourself and any co-applicants, to receive telephone calls, prerecorded voice messages, text messages, and emails from Ignyx.io and its marketing partners, including licensed lenders, insurers, legal service providers, and credit repair companies, at the telephone number and email address you provided, even if your telephone number is on a federal or state Do-Not-Call registry. You understand that consent is not a condition of obtaining any goods or services and that you may revoke consent at any time by contacting us at privacy@ignyx.io.

4. SMS / Text Message Consent

If you check the SMS consent checkbox, you consent to receive recurring marketing and informational SMS text messages from Ignyx.io and its partners. Message and data rates may apply. Message frequency varies. Text STOP to cancel. Text HELP for help. For more information, visit our Terms of Service.

5. Sharing Your Information

We may share your information with:

• Affiliate network partners: We sell or transfer your lead information to our partner lenders and service providers who may contact you regarding their products.
• Service providers: Companies that help us operate our platform (hosting, analytics, email delivery) under contractual confidentiality obligations.
• Legal authorities: When required by law, subpoena, or to protect the rights and safety of Ignyx.io and others.

We do not sell your information to unaffiliated third parties for their own direct marketing purposes beyond the affiliate matching described above.

6. Cookies and Tracking Technologies

We use cookies, localStorage, and similar technologies to:

• Assign and remember a visitor ID across sessions.
• Track which pages you visit and which forms you interact with.
• Remember your email address for pre-filling forms.
• Measure performance of our marketing campaigns via UTM parameters.

You may disable cookies in your browser settings, but this may limit functionality.

7. Your Rights and Choices

• Opt out of marketing communications: Click "unsubscribe" in any email or reply STOP to any text message.
• Request deletion of your data: Email privacy@ignyx.io with "Delete My Data" in the subject line. We will process requests within 30 days subject to applicable law.
• California residents (CCPA): You have the right to know, delete, and opt out of the sale of personal information. Contact us at privacy@ignyx.io.

8. Data Security

We use industry-standard security measures including HTTPS/TLS encryption, access controls, and regular security reviews. No method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements — typically no longer than 24 months after your last interaction with us.

10. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information, contact us at privacy@ignyx.io.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a new "Last updated" date. Continued use of our site after changes constitutes acceptance of the updated policy.

12. Contact Us

For privacy-related questions or requests:

• Email: privacy@ignyx.io
• Mail: Ignyx.io, Privacy Officer, [Address on file]