Xactus is committed to protecting the privacy and security of your personal information from unauthorized use, access, alteration, destruction, or disclosure thereof, and has created the following Privacy & Security Policy (“Privacy Policy”).

The Privacy Policy applies to Xactus, LLC and Sharper Lending Solutions, LLC, a wholly-owned subsidiary, and their respective owners, operators, and employees (“Xactus”). The Privacy Policy applies to all current or former user information collected by or provided to us.

The Privacy Policy also applies to the following websites (“Sites”), owned and operated by Xactus:


Xactus is the controller of data provided to, collected by, or processed in connection with your use of our Sites. Entering the Site constitutes your User acceptance and agreement to the terms contained in this policy. If you do not agree with the terms set forth in the Privacy Policy, please do not enter the Site.

The purpose of the Privacy Policy is to inform Users of the following: what information we collect, why we collect User data, how we use it and share it with third parties, how we store and protect it, and the choices you have regarding our collection and use of this information.

If you are a resident of California, please see the California Consumer Privacy Act to read additional disclosures required by the California Consumer Privacy Act (“CCPA”).

What Information We Collect

Personally-Identifiable Information

Xactus may collect Personally-Identifiable Information (“PII”) from Users. PII is any information that can be used to distinguish or trace an individual’s identity, either alone or when combined with other personal or identifying information that is linked or linkable to a specific individual. PII may be collected in a variety of ways, such as when Users visits or registers on our Site, places an Order, fills out a form or in connection with other activities, services, features or resources we make available on our Site. Users may be asked for name, email address, mailing address, phone number, credit card information, social security number and other personal information. Users may, however, visit our Site anonymously. We will collect PII from Users only if they voluntarily submit it. Users can always refuse to supply or submit personal information, except that it may prevent them from engaging certain Site related activities.

Non Personally-Identifiable Information

We may collect non-personally identifiable information (“Non-PII”) about Users whenever they interact with our Site. Non-PII may include the browser name, site usage, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

We Collect Information

Technology & Cookies

Our Site may use tracking pixels/web beacons, “cookies,” and other technologies or identifiers to receive and store certain types of information. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track and gather information about them. This information includes Internet Protocol (IP) addresses, browser information, Internet Service Provider (ISP), operating system, date/time stamp and clickstream data. This information helps us customize your website experience and make our marketing messages more relevant. It also allows us to provide features such as storage of items in your cart between visits. This includes our content presented on other websites or mobile applications. In order to provide the best customer experience possible, we also use this information for reporting and analysis purposes, such as how you are shopping our website, performance of our marketing efforts, and your response to those marketing efforts.

Users may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, some or all of the Site may not function properly.

Third Party Technology & Cookies

We allow third-party companies to collect non-personally identifiable information when you visit the Sites and to use that information to serve ads for our products or services or for products or services of other companies when you visit the Sites or other websites. These companies may use non-personally identifiable information (e.g., navigational, click stream information, browser type, time and date, subject of advertisements clicked or scrolled over, etc.) during your visits to the Sites and other websites in order to provide advertisements about our goods and services likely to be of interest to you. These parties may use a cookie or a third party web beacon, or other technologies, to collect this information.

Why We Collected User Information

Xactus collects and uses information it gathers for the following purposes:

To Provide Products, Services, and Information

We may use the information Users provide about themselves when placing an order to provide service to that order. We may share this information with outside parties to the extent necessary to provide the service. Xactus may use a consumer’s personal information to enhance user experience or contact the consumer about that consumer’s consumer report, including possible disputes or inquiries.

To Send Periodic E-mails

The email address Users provide for order processing, will only be used to send them information and updates pertaining to their order. It may also be used to respond to their inquiries, and/or other requests or questions. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, marketing materials, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, detailed unsubscribe instructions can be found at the bottom of each email or User may contact us via our Site.

To Maintain and Improve Internal Operations

Xactus may use information collected to improve the effectiveness of the Sites, operations or marketing efforts and to prevent and monitor against fraud or theft.

To Comply with Legal, Regulatory or Law Enforcement Requests

We may be required to respond to a subpoena or other request from law enforcement, courts, regulatory or administrative agencies.

Marketing and Advertising

Xactus may use information we collect to deliver advertising and marketing communications and other information regarding our products, service and promotions or to administer promotions or to deliver newsletters, receipt messages, e-mails, mobile messages and special offers.

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