1. Overview
Crane Finance ("we," "us," or "our") is committed to protecting the privacy of individuals who visit our website and apply for or receive our financial products. This Privacy Policy describes the types of information we collect, how we use and share that information, and the rights available to you regarding your personal information.
By visiting craneloansfinance.com or submitting an application, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described here, please do not use our website or services.
Because Crane Finance operates as an arm of the Menominee Indian Tribe of Wisconsin, your information is governed by applicable federal privacy law and tribal law — not by the privacy laws of the state in which you reside. Federal laws that apply include the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and applicable sections of the USA PATRIOT Act.
2. Information We Collect
Information You Provide Directly
When you apply for a loan, create an account, or contact customer service, we collect:
- Full legal name, date of birth, and Social Security Number
- Home address, phone number(s), and email address
- Employment information: employer name, address, phone, job title, pay frequency, and income amount
- Bank account and routing numbers for your checking account
- Any additional information you provide in correspondence with us
Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address and general geographic location
- Browser type, operating system, and device identifiers
- Pages visited, time spent on pages, and referral URLs
- Cookie and tracking data (see Section 8 below)
Information from Third Parties
As part of our underwriting process, we may collect information from:
- Alternative credit reporting agencies: Clarity Services, DataX, and FactorTrust
- Identity verification and fraud prevention services
- Bank account verification services
3. How We Use Your Information
We use the information we collect for the following purposes:
- Loan underwriting and decisioning: To evaluate your application, verify your identity and income, and determine eligibility
- Account management: To establish, service, and manage your loan account, including processing payments and sending account communications
- Legal compliance: To comply with applicable federal laws, including anti-money-laundering requirements under the USA PATRIOT Act
- Fraud prevention and security: To detect, investigate, and prevent fraudulent activity
- Customer service: To respond to your inquiries and resolve disputes
- Website analytics: To understand how visitors use our site and improve our services
- Marketing: To send you information about our products and services, subject to your rights described in Section 6
4. How We Share Your Information
We do not sell your personal information to third parties. We may share your information in the following circumstances:
- Service providers: Third-party vendors who assist us with payment processing, credit verification, identity verification, analytics, and technology services — subject to confidentiality obligations
- Credit reporting agencies: Clarity Services, DataX, and FactorTrust, as part of the underwriting process
- Legal requirements: When required by applicable federal law, court order, or governmental authority
- Business transfers: In connection with a merger, acquisition, or sale of assets, subject to confidentiality protections
- With your consent: For any other purpose with your explicit written consent
We do not sell your personal information. Crane Finance does not sell, rent, or trade your personal or financial information to unaffiliated third parties for their own marketing purposes.
5. GLBA Financial Privacy Notice
The Gramm-Leach-Bliley Act (GLBA) requires financial institutions to explain how they share and protect customers' nonpublic personal information (NPI). This section serves as our GLBA privacy notice.
What we collect: We collect NPI as described in Section 2, including information from your application, your transactions with us, and consumer reporting agencies.
What we share: We may share your NPI with service providers who perform services on our behalf and with other parties as described in Section 4. We do not share NPI with unaffiliated third parties for marketing purposes unless required by law or permitted by you.
How we protect your information: We maintain physical, electronic, and procedural safeguards that comply with applicable federal regulations to protect your NPI.
Your right to opt out: You may limit certain sharing of your NPI. To opt out of sharing with non-affiliated third parties beyond what is required or permitted by law, contact us at [email protected] or 855-321-7654.
6. California Consumer Privacy Act (CCPA) Rights
If you are a California resident, the California Consumer Privacy Act provides you with the following rights regarding your personal information. Because Crane Finance operates under tribal and federal law rather than California state law, these rights may be limited in their applicability to information collected in connection with your loan. We nonetheless describe them here for transparency.
- Right to Know: You may request information about the categories and specific pieces of personal information we have collected about you, the sources of that information, and the purposes for which it is used
- Right to Delete: You may request deletion of personal information we have collected, subject to certain exceptions (e.g. information needed to complete a transaction or comply with legal obligations)
- Right to Opt Out of Sale: We do not sell personal information. This right is therefore automatically satisfied
- Right to Non-Discrimination: We will not discriminate against you for exercising any of the rights described above
To submit a CCPA request, contact us at [email protected] or 855-321-7654. We will respond within 45 days of receiving a verifiable consumer request.
7. Data Security
Crane Finance uses industry-standard technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:
- TLS encryption for all data transmitted between your browser and our servers
- Secure storage with access controls limiting who within our organization can view sensitive data
- Identity verification procedures for applicants
- Regular security reviews of our systems and practices
No method of electronic transmission or storage is 100% secure. While we take reasonable precautions, we cannot guarantee absolute security. If you believe your account security has been compromised, contact us immediately at 855-321-7654.
8. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to improve your experience and analyze site usage. Types of cookies we use:
- Essential cookies: Required for basic website functionality, including session management and security
- Analytics cookies: Used to understand how visitors use our site (e.g. pages visited, time on site). We use this information to improve our content and services
- Advertising cookies: May be used to serve relevant advertisements and measure advertising effectiveness
You can control cookie settings through your browser. Disabling certain cookies may affect website functionality. We honor browser-based "Do Not Track" signals where technically feasible.
9. Data Retention
We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Loan records are typically retained for a minimum of seven years following the close of the account, in accordance with applicable federal recordkeeping requirements.
10. Children's Privacy
Our services are intended for adults 18 years of age and older. We do not knowingly collect personal information from individuals under 18. If we become aware that we have collected personal information from a minor, we will take steps to delete it promptly. If you believe we have collected information from a minor, contact us at [email protected].
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we update this policy, we will revise the "Last updated" date at the top of the page. For material changes, we will provide notice through our website or by other means. Your continued use of our website or services after any update constitutes your acceptance of the revised policy.
12. Contact Us About Privacy
For questions, requests, or concerns about this Privacy Policy or our data practices, contact us:
- Email: [email protected]
- Phone: 855-321-7654
- Mail: Crane Finance, 200 South Wacker Drive, 31st Floor, Chicago, IL 60606