Privacy Policy
Effective Date: July 16, 2026
At GoMarine Lending, we are committed to protecting your privacy and safeguarding the personal information you entrust to us. This Privacy Policy describes how we collect, use, disclose, and protect information obtained through our website, during the loan application process, and while servicing your loan.
This Privacy Policy applies to information collected through our website and online services. It is intended to supplement, and not replace, our Consumer Privacy Notice provided in accordance with applicable federal law.
Information We Collect
We may collect personal information when you:
- Apply for financing
- Complete online forms
- Contact us by phone, email, or through our website
- Submit documents in support of a loan application
- Use our website or online services
Depending on your interaction with us, we may collect:
- Name
- Mailing address
- Email address
- Telephone number
- Date of birth
- Social Security Number
- Driver’s license or other government-issued identification
- Employment and income information
- Banking and financial account information
- Credit history and consumer report information
- Vessel purchase and financing information
- Information you voluntarily provide during communications with us
We may also automatically collect certain technical information when you visit our website, including:
- IP address
- Browser type
- Device information
- Operating system
- Pages visited
- Date and time of access
- Referring website
- Cookie and similar tracking technology information
How We Use Your Information
We use your information to:
- Evaluate and process loan applications
- Verify your identity
- Help detect and prevent fraud
- Obtain and review consumer reports as permitted by law
- Communicate with you regarding your application, loan, or account
- Service and administer your loan
- Comply with applicable federal and Florida laws and regulations
- Improve our products, services, and website functionality
- Maintain the security and integrity of our systems
- Fulfill other lawful business purposes
Information We Share
We do not sell your personal information.
We may disclose personal information to third parties as permitted or required by applicable federal and Florida law, including:
- Credit reporting agencies
- Funding partners and financial institutions
- Loan servicing providers
- Marine dealers, brokers, and transaction-related service providers
- Insurance providers
- Title and vessel registration service providers
- Payment processors
- Technology vendors and business service providers
- Professional advisors, auditors, and legal counsel
- Government agencies, regulators, law enforcement, or courts when required by law
We require service providers that receive personal information on our behalf to maintain reasonable safeguards consistent with applicable law and contractual obligations.
Consumer Reports
In connection with your application and account, we may obtain consumer reports from consumer reporting agencies and verify information you provide during the application process.
We may also furnish information regarding your loan account to consumer reporting agencies as permitted by the Fair Credit Reporting Act and other applicable laws.
Cookies and Website Technologies
Our website may use cookies and similar technologies to:
- Operate and maintain website functionality
- Improve your browsing experience
- Analyze website usage and performance
- Enhance website security
- Improve our products and services
Most web browsers allow you to control or disable cookies through browser settings. Please note that disabling cookies may affect certain website features or functionality.
Information Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, misuse, or destruction.
While we employ commercially reasonable security measures, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.
Information Retention
We retain personal information for as long as reasonably necessary to:
- Process and service your loan
- Comply with legal and regulatory obligations
- Resolve disputes
- Enforce agreements
- Meet applicable record retention requirements
When information is no longer required, we securely dispose of it in accordance with applicable law and our record retention practices.
Communications
If you provide your contact information, we may communicate with you regarding your inquiry, loan application, existing loan, or account by:
- Telephone
- Text message
- Postal mail
Where required by applicable law, we will obtain any additional consent necessary before sending marketing text messages or placing certain automated telephone calls.
Message and data rates may apply.
Children’s Privacy
Our products and services are intended for individuals who are at least 18 years of age.
We do not knowingly collect personal information from children under the age of 13 through our website.
Third-Party Websites
Our website may contain links to third-party websites for your convenience. These websites operate independently of GoMarine Lending, and we are not responsible for their privacy practices, security, or content. We encourage you to review the privacy policies of any third-party websites you visit.
Data Breach Response
If we become aware of a security incident involving personal information, we will investigate the matter promptly and provide any notifications required by applicable federal and Florida law.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations.
Any updates will be posted on this page along with a revised Effective Date.
Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us:
GoMarine Lending
[TBD]
[City, State ZIP]
Phone: [Kevin G. is creating]
Email: [tbd]
Consumer Privacy Notice
As a financial institution, GoMarine Lending is committed to protecting the confidentiality of our customers’ nonpublic personal information.
Our collection, use, and sharing of customer information is governed by applicable federal privacy laws, including the Gramm-Leach-Bliley Act (GLBA). We provide our Consumer Privacy Notice to customers as required by law, and a copy is available upon request.