Privacy Policy
Last Updated: September 10, 2026
SafePrequal.com (“SafePrequal,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide when using our website, prequalification services, communications, and related services.
This Privacy Policy explains what information we collect, how we use it, when information may be disclosed, and the choices available to you.
By using SafePrequal.com, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
When you use SafePrequal.com, we may collect information that you provide directly to us, including your name, email address, telephone number, mailing address, date of birth, and other information necessary to provide the services you request.
When authorized by you, we may also obtain credit-related information from consumer reporting agencies or other authorized data providers for the purpose of evaluating your credit profile and providing personalized prequalification results.
This information may include your credit score, credit accounts and balances, payment history, credit utilization, inquiries, account age, credit limits, and other information contained in or derived from your credit profile.
We may also automatically collect certain technical information when you use our website, such as your IP address, browser type, device information, pages visited, referring website, and interactions with our website.
2. How We Use Your Information
We may use personal information to:
* Provide and operate the SafePrequal.com service;
* Process your SafePrequal.com prequalification request;
* Obtain and evaluate credit information when authorized by you;
* Generate personalized assessments and prequalification results based on your credit profile;
* Present information or links on the SafePrequal.com website that allow you to learn about or apply for products offered by third-party providers;
* Communicate with you regarding your SafePrequal.com submission, results, or requested services;
* Send SMS notifications when you have separately and affirmatively consented to receive them;
* Provide customer support;
* Protect against fraud, misuse, security threats, and unauthorized activity;
* Maintain, measure, analyze, and improve the performance of our website, technology, and services; and
* Comply with applicable laws, regulations, legal processes, and contractual obligations.
SafePrequal.com is not a guarantee of approval for any credit product. Any application you choose to make after using SafePrequal is subject to the applicable provider’s own eligibility requirements, underwriting standards, terms, and approval process.
3. Credit Information and Soft Credit Inquiries
When you authorize SafePrequal.com to access your credit information, we may use a soft credit inquiry or other credit information made available through our service providers to evaluate your credit profile and provide personalized prequalification results.
A soft credit inquiry does not impact your credit score.
SafePrequal.com’s review is intended to help you understand potential options before deciding whether to submit an application to a third-party provider.
If you subsequently choose to apply for a credit product, the applicable provider may request additional information and may perform a hard credit inquiry. A hard credit inquiry may affect your credit score.
Your authorization for SafePrequal.com to review your credit information does not constitute an application for credit with any third-party financial institution.
4. SMS and Text Messaging Privacy
SafePrequal.com offers an optional SMS notification program.
If you submit a SafePrequal.com prequalification request, provide your mobile telephone number, and separately and affirmatively opt in to receive SMS notifications from SafePrequal.com, we may send text messages to the mobile number you provided.
Messages are used to provide notifications regarding your submitted SafePrequal.com request. Messages may include submission status notifications, notification that your personalized SafePrequal.com results are available, and instructions or links for securely returning to SafePrequal.com to access your results.
Mobile information, including your mobile telephone number, SMS opt-in data, and SMS consent, will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.
We may disclose mobile information to service providers and subcontractors that perform services on our behalf, such as telecommunications and messaging providers, solely as necessary to provide and support the SafePrequal SMS notification program. These service providers are not authorized to use your mobile information for their own marketing or promotional purposes.
Your consent to receive SMS messages is voluntary and is not a condition of using SafePrequal, submitting a prequalification request, applying for credit, or purchasing any product or service.
Message frequency varies. Message and data rates may apply.
You may opt out of receiving SMS messages at any time by replying STOP to a message from SafePrequal.com. After you opt out, you may receive a final confirmation message, and no additional messages will be sent through the SafePrequal SMS notification program unless you subsequently opt in again.
For assistance with SMS messages, reply HELP or contact us using the information provided below.
Consent to receive SMS messages applies only to SafePrequal and the SafePrequal.com SMS notification program. SMS consent is not transferred to third parties.
5. How We Share Information
We may disclose personal information when reasonably necessary to operate SafePrequal.com and provide the services you request.
For example, information may be disclosed to service providers that support our website, credit-reporting and credit-data services, security, analytics, communications, hosting, and other business operations.
Service providers that receive information on our behalf are permitted to use that information only as necessary to provide services to SafePrequal.com, subject to applicable contractual and legal requirements.
When you choose to visit, request information from, or apply with a third-party financial institution, credit card issuer, lender, or other provider, information that you provide directly to that third party is governed by that party’s own privacy policy and practices.
We may also disclose information when required by law, legal process, court order, or governmental request, or when reasonably necessary to protect the rights, safety, property, or security of SafePrequal.com, our users, or others.
We may disclose information in connection with a merger, acquisition, financing, sale of assets, reorganization, or similar corporate transaction, subject to applicable law.
Notwithstanding anything else in this Privacy Policy, mobile telephone numbers, SMS opt-in data, and SMS consent will not be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.
6. Third-Party Products and Websites
SafePrequal.com may provide information about or links on the SafePrequal.com website to products and services offered by third parties.
SafePrequal.com does not control the underwriting decisions, approval criteria, pricing, terms, privacy practices, or websites of those third parties.
If you choose to leave SafePrequal and interact with a third-party website or provider, the information you provide directly to that third party will be subject to its own terms, disclosures, and privacy policy.
We encourage you to review those policies before submitting personal information to a third party.
The SafePrequal.com SMS notification program is separate from your interactions with third-party providers. SafePrequal.com does not transfer your SMS consent to third parties, and your consent to receive SMS notifications from SafePrequal.com does not constitute consent to receive marketing or promotional text messages from any third party.
7. Cookies and Similar Technologies
SafePrequal.com may use cookies and similar technologies to operate the website, remember preferences, understand how visitors use our services, measure performance, detect fraud or security issues, and improve the user experience.
Your browser may allow you to block or delete cookies. Certain website functionality may not operate correctly if cookies are disabled.
8. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.
However, no internet transmission, electronic storage system, or security measure can guarantee absolute security.
9. Data Retention
We may retain personal information for as long as reasonably necessary to provide our services, maintain business and transaction records, document authorizations and consents, comply with legal and regulatory requirements, resolve disputes, enforce agreements, and protect our legitimate business interests.
We may retain records relating to SMS consent, including records of opt-in and opt-out requests, as reasonably necessary to document and honor your communication preferences.
10. Your Choices
Depending on applicable law and your relationship with SafePrequal.com, you may have rights regarding certain personal information we maintain about you.
You may contact us to request information regarding our privacy practices or to update certain information you have provided.
Your participation in the SafePrequal.com SMS notification program is optional.
You may withdraw your consent to receive SafePrequal.com SMS messages at any time by replying STOP to a SafePrequal.com text message.
Withdrawing your SMS consent does not prevent you from using SafePrequal.com or submitting a SafePrequal.com prequalification request.
11. Children’s Privacy
SafePrequal.com is not intended for children under 18 years of age, and we do not knowingly collect personal information from children under 18 through the SafePrequal.com prequalification service.
12. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes to our services, technology, legal requirements, or business practices.
When we make changes, we will update the “Last Updated” date at the top of this page.
Material changes may also be communicated through other appropriate means when required.
13. Contact Us
If you have questions about this Privacy Policy, SafePrequal.com’s privacy practices, or the SafePrequal SMS notification program, please contact us at:
SafePrequal.com
CWF Enterprises LLC
3090 Pullman St. #F
Costa Mesa, CA 92626
Email: credit@safeprequal.com
Phone: 949-535-1522