Decision block 01
Partner categories
| Category | Role | User check |
|---|---|---|
| Participating lenders | Companies that may evaluate a request and, if they choose, make a credit offer. | Their credit, privacy and servicing terms apply. |
| Lender networks / routing partners | Services that may distribute or route requests to lenders in their network. | The network may not itself be the creditor. |
| Financial-service marketing partners | Companies that may offer other disclosed financial services where the user consent allows it. | Must not be presented as the requested loan if it is a different product. |
| Technology / service providers | Form hosting, fraud/security, communications, analytics, compliance or support vendors. | Use data only for authorized service purposes under applicable agreements. |
| Consumer-report / verification providers | May support lender or partner verification where authorized. | The live credit authorization must reflect actual use. |
Decision block 02
Why you may hear from more than one company
- A request can be routed to a network or more than one potential partner under the disclosed process.
- Different partners can operate under different names, websites, terms and privacy policies.
- A call, text or email from a partner is not proof of approval.
- Before continuing, identify the company, the product, the reason for contact and how it obtained the request.
Decision block 03
Partner list implementation
The live page should display the current partner/network names or a truthful non-exhaustive list/categories supported by the actual integration. Include a “last updated” date and a process for keeping the list synchronized with active routing.
Decision block 04
Your controls
ControlUse it for
Privacy ChoicesUse applicable rights to opt out of covered sale/share or targeted-advertising activity.
UnsubscribeStop CTCLoans marketing communications through supported channels.
Partner opt-outUse the partner’s own unsubscribe/privacy method for independent partner marketing.
ContactReport a partner-routing or disclosure issue involving the CTCLoans service.