Privacy Policy

Last Updated: December 7, 2025

ScratchpayVetsBill ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website scratchpayvetsbill.com.

1. Information We Collect

Information You Provide

We may collect personal information that you voluntarily provide when you:

  • Fill out our contact form (name, email, message)
  • Subscribe to our newsletter
  • Leave comments or feedback

Automatically Collected Information

When you visit our website, we automatically collect certain information, including:

  • IP address and browser type
  • Device information and operating system
  • Pages visited and time spent on pages
  • Referring website addresses

2. How We Use Your Information

We use the information we collect to:

  • Respond to your inquiries and provide customer support
  • Send newsletters and updates (with your consent)
  • Improve our website content and user experience
  • Analyze website traffic and usage patterns
  • Comply with legal obligations

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience. These include:

  • Essential Cookies: Necessary for website functionality
  • Analytics Cookies: Help us understand how visitors use our site (Google Analytics)
  • Advertising Cookies: Used by our affiliate partners to track referrals

You can control cookie preferences through your browser settings. Note that disabling certain cookies may affect website functionality.

4. Third-Party Services

Our website uses third-party services that may collect information about you:

  • Google Analytics: For website traffic analysis
  • Affiliate Partners: When you click affiliate links, our partners may collect information according to their privacy policies
  • Embedded Forms: Third-party loan application forms have their own privacy practices

We encourage you to review the privacy policies of any third-party services you interact with through our site.

5. Information Sharing

We do not sell, trade, or rent your personal information to third parties. We may share information in these circumstances:

  • With service providers who assist in operating our website
  • When required by law or to protect our rights
  • In connection with a business transfer or merger

6. Data Security

We implement appropriate security measures to protect your personal information, including:

  • SSL/TLS encryption for data transmission
  • Secure hosting with reputable providers
  • Limited access to personal information

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

Depending on your location, you may have certain rights regarding your personal information:

  • Access: Request a copy of the personal data we hold about you
  • Correction: Request correction of inaccurate information
  • Deletion: Request deletion of your personal data
  • Opt-out: Unsubscribe from marketing communications

To exercise these rights, please contact us at privacy@scratchpayvetsbill.com.

8. Children's Privacy

Our website is not intended for children under 13 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this Privacy Policy, please contact us: