Privacy Policy

1. Introduction, Legal Scope & Purpose

Crane Finance (referred to herein as "we," "us," "our," or "the Platform") provides consumer borrowing guides, amortization calculators, and market comparative information. This Privacy Policy applies to all visitors and users accessing our website at cranenfinance.com, associated mobile web views, and payment calculation tools.

By accessing or interacting with Crane Finance, you acknowledge the terms of this Privacy Policy and agree to our information practices. If you do not agree with any aspect of this Policy, we recommend refraining from using our website.

2. Gramm-Leach-Bliley Act (GLBA) Financial Privacy Notice

The federal Gramm-Leach-Bliley Act (GLBA) governs how financial institutions protect and share nonpublic personal information (NPI).

Our Non-Lender Status: Crane Finance is an informational publishing resource and does not act as a direct lender, loan broker, finance company, or depositary institution. Because we do not execute formal credit underwriting, originate installment loans, or service debt accounts, we do not maintain consumer credit files or private financial accounts. When you transition to an external lending partner or licensed financial institution to submit a formal credit inquiry, that institution's GLBA privacy notice and federal regulatory disclosures govern the handling of your application.

3. Categories of Information We DO NOT Collect

To uphold the highest level of consumer security, our platform adheres to strict data minimization. We do not request, harvest, or store:

• Sensitive Government Identifiers: Social Security Numbers (SSNs), Taxpayer Identification Numbers (ITINs), Passport numbers, or Driver's License numbers.
• Financial Account Credentials: Bank account login usernames, online passwords, PINs, or security question answers.
• Payment Card Data: Credit card numbers, debit card numbers, expiration dates, or Card Verification Value (CVV) security codes.
• Consumer Credit Reports: Comprehensive tri-bureau credit files, FICO score histories, or public bankruptcy filings.
• Sensitive Biometric or Health Information: Biometric identifiers, medical history, or protected health information.

4. Information Collected Automatically (Technical & Telemetry Data)

When you navigate our website, our web servers and standard infrastructure may automatically log technical data necessary to deliver secure, responsive web pages:

• Device & Hardware Information: Hardware model, operating system version, browser family (Chrome, Safari, Firefox, Edge), screen resolution, and device language preference.
• Network & Access Metrics: Internet Protocol (IP) address (which is truncated or anonymized for general geographic location at the city/region level), internet service provider (ISP), server access timestamps, and HTTP response codes.
• Navigation Flow: Referring web pages, pages viewed within Crane Finance, time spent per calculation, and navigation clicks.

This automated technical information is utilized strictly in aggregated, de-identified formats to maintain server stability, prevent automated distributed denial-of-service (DDoS) attacks, and optimize page rendering across mobile and desktop devices.

5. Information You Provide Voluntarily

You may voluntarily provide limited personal contact information in specific instances:

• Consumer Support Inquiries: When submitting an inquiry via our contact form or emailing our editorial desk ([email protected]), we collect your name, email address, chosen topic, and the text of your message.
• Calculator Parameters: When adjusting sliders or input fields on our installment loan calculator (loan amount, term in months, estimated APR), these figures are processed client-side in your local browser session and are not tied to your identity.

Information provided through voluntary communications is utilized exclusively to investigate and reply to your specific inquiry. We do not sell your contact details to telemarketing companies or third-party mailing lists.

6. Cookies & Browser Storage Technologies

Crane Finance utilizes standard browser storage technologies to ensure platform functionality:

• Essential Session Cookies: Required to enable navigation between pages, preserve responsive UI states, and enforce web security protocols. These cookies expire upon closing your browser.
• Performance & Preference Cookies: May record your preferred display options (such as dark/light themes or calculator presets) without storing personally identifiable information.

Managing Cookies: You have full control over cookies through your web browser preferences. You can configure your browser to reject all cookies or notify you when a cookie is placed. Please note that disabling essential cookies may impact certain interface functionality.

7. How We Use Information

Any data gathered through your interaction with Crane Finance is applied strictly for legitimate business and educational operations:

• To operate, maintain, and enhance our interactive payment calculators and educational resources.
• To review consumer feedback and respond promptly to editorial or support communications.
• To detect, prevent, and mitigate fraudulent traffic, malicious bot attacks, or cybersecurity threats.
• To comply with applicable state and federal regulatory recordkeeping requirements.

8. Information Sharing & Third-Party Transfers

Crane Finance enforces strict consumer safeguards regarding data dissemination:

• No Sale of Personal Data: We do not sell, rent, license, or trade your personal information or contact details to third-party data brokers or marketing aggregators.
• Infrastructure Service Providers: We may share technical telemetry data with trusted cloud infrastructure, hosting, and security providers (such as Google Cloud Platform and Cloudflare) under strict confidentiality agreements solely to maintain site uptime and protection.
• Legal & Regulatory Compliance: We may disclose information if required to do so by subpoena, court order, or lawful request by public authorities, or where necessary to defend legal claims and protect the safety of consumers.

9. Third-Party Links & External Lending Partners

Throughout Crane Finance, you will find hyperlinks to external websites, including licensed lending institutions, broker platforms, credit reporting bureaus, and nonprofit organizations (such as the NFCC).

When you click an external link (such as 'Check Your Options'), you leave Crane Finance. We do not control, endorse, or assume responsibility for the privacy practices, encryption standards, or content of third-party platforms. Any personal or financial information you submit on third-party websites is governed entirely by that institution's individual privacy policy and terms. We encourage you to review their disclosures carefully before submitting applications.

10. State Consumer Privacy Rights (CCPA / CPRA & State Statutes)

Residents of California, Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA), and other states with comprehensive consumer privacy laws hold specific statutory rights regarding personal data:

• Right to Know / Access: The right to request disclosure of the specific categories and pieces of personal information collected about you over the preceding 12 months.
• Right to Deletion: The right to request the deletion of personal information collected directly from you, subject to statutory exemptions (such as fraud prevention or legal recordkeeping).
• Right to Correction: The right to request correction of inaccurate personal information maintained in our systems.
• Right to Opt-Out of Sale or Sharing: The right to opt out of the sale or sharing of personal data for cross-context behavioral advertising. (Note: Crane Finance does not sell consumer data.)
• Right to Non-Discrimination: We will never deny services, charge differing prices, or provide a disparate quality of service if you exercise your statutory privacy rights.

Submitting a Verifiable Request: To exercise your state consumer privacy rights, please contact our privacy compliance desk by emailing [email protected]. In your message, specify your state of residence and the specific right you wish to exercise. To protect consumer security, we will verify your identity before processing your request. We respond to all verifiable consumer inquiries within 45 calendar days.

11. Children's Online Privacy Protection Act (COPPA)

Crane Finance is strictly designed for and directed to adults aged 18 years or older who are seeking consumer credit information. We do not knowingly solicit, collect, or maintain personal information from children or minors under the age of 18. If you believe that an individual under 18 has submitted information to us, please notify us immediately at [email protected], and we will promptly purge such data from our records.

12. Do-Not-Track (DNT) & Global Privacy Control (GPC)

Some internet browsers offer a "Do Not Track" (DNT) setting that transmits a signal to visited websites. Because there is currently no uniform industry standard for DNT signal recognition, our site does not alter its technical behavior upon receiving traditional DNT headers. However, we honor legally recognized Global Privacy Control (GPC) signals in compliance with state privacy statutes where applicable.

13. Data Security & Encryption Standards

We implement industry-standard technical, administrative, and physical safeguards to safeguard technical data from unauthorized access, accidental destruction, or disclosure:

• Transport Layer Security (TLS/SSL): All traffic between your browser and our servers is encrypted using modern 256-bit TLS protocols.
• Infrastructure Hardening: Routine vulnerability assessments, access controls, and firewalls are maintained across all hosting endpoints.
• Data Isolation: Internal communications and inquiries are restricted to authorized personnel who require access to resolve consumer tickets.

14. Data Retention Policy

We retain technical server logs for a limited period (typically 30 to 90 days) solely for network diagnostics and cybersecurity audits, after which logs are automatically purged or anonymized. Voluntary support correspondence is retained only as long as necessary to resolve your inquiry and satisfy regulatory compliance requirements.

15. Modifications to This Privacy Policy

We reserve the right to revise this Privacy Policy periodically to reflect enhancements in our informational resources, organizational changes, or amendments in applicable privacy laws. Any updates will be posted to this page with a revised "Last Updated" date at the top of the document. We recommend reviewing this policy periodically to remain informed about our privacy practices.

16. Contact Our Privacy & Compliance Team

If you have questions, feedback, or statutory requests concerning this Privacy Policy, please contact our dedicated compliance office: