Privacy Policy
Effective date: August 12, 2026
1. Who we are
Scracht Payment Plans (“Scracht,” “we,” “us,” or “our”) is a loan connecting service. We help pet owners explore potential financing options by connecting them with independent third-party lending and financing partners. We are not a lender, bank, or financial institution.
This Privacy Policy explains how we collect, use, share, and protect information when you visit scrachtplans.com, submit a request, contact us, or use our services.
2. Information we collect
We may collect information you provide, including your name, email address, telephone number, Zip Code, requested care amount, care category, and details needed to connect you with available financing partners. A financing partner may separately collect additional information if you choose to continue an application with that partner.
We may also collect device, browser, approximate location, usage, and cookie information when you visit our website. We use this information to operate, secure, improve, and understand our services.
3. How we use information
- To process your request and connect you with potentially available third-party financing partners.
- To communicate about your request, including through calls, email, and text messages where permitted.
- To provide customer support, prevent fraud, maintain security, and troubleshoot the website.
- To measure website performance and improve our services and disclosures.
- To comply with legal obligations and enforce our terms.
4. How we share information
We may share information with independent lenders, financing providers, service providers that support our operations, communications providers, analytics providers, professional advisers, government authorities when legally required, and parties involved in a business transfer.
When you choose to continue with a financing partner, that partner may receive your information and will handle it under its own privacy policy and terms. We do not sell your personal information for money. We may share information for targeted advertising or similar purposes as defined by applicable privacy laws, and you may contact us to ask about available choices.
5. California privacy rights
If you are a California resident, the California Consumer Privacy Act, as amended, may provide rights to know about personal information collected, request access or deletion, correct inaccurate information, and opt out of certain sharing or sale activities. You may also have the right not to receive discriminatory treatment for exercising these rights.
To submit a privacy request, email support@scrachtplans.com or call (855) 609-7473. We may verify your identity before completing a request. We will not use sensitive information for purposes beyond those allowed by law without appropriate consent.
6. Cookies and choices
Our website may use cookies and similar technologies for essential functions, preferences, analytics, and marketing measurement. You can adjust cookie settings through your browser. Disabling certain cookies may affect website functionality. You can also opt out of marketing communications by following the instructions in the message or contacting us.
7. Security and retention
We use administrative, technical, and physical safeguards designed to protect personal information, including 256-bit encryption for protected data in transit and at rest where supported by the applicable service. No method of transmission or storage is completely secure.
We retain information for as long as reasonably necessary to provide services, maintain business records, resolve disputes, prevent fraud, and meet legal requirements. Retention periods may differ when a financing partner receives your information.
8. Children and updates
Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. We may update this Privacy Policy from time to time. The effective date above shows when the current version took effect.
9. Contact us
Scracht Payment Plans
1200 Main Street, Suite 400
Dallas, TX 75201
support@scrachtplans.com
(855) 609-7473