Privacy Policy

2. Information We Collect

To provide our loan services and manage your account, we collect several types of information:

• Identity Information: Your full name, date of birth, Social Security Number (SSN), and government-issued ID details.
• Contact Information: Your home address, phone number, and email address.
• Financial Information: Bank account details, transaction history, income details, and employment history.
• Credit Information: Information from credit reporting agencies regarding your credit history and score.
• Technical Information: Your IP address, device type, and how you interact with our website.

3. How We Use Your Information

We use your data strictly for business purposes, including:

• Verifying your identity to prevent fraud and comply with "Know Your Customer" (KYC) laws.
• Determining your eligibility for a loan or credit line.
• Processing payments and managing your loan account.
• Communicating important updates or changes to your services.
• Meeting our legal and regulatory obligations in the United States.

4. Sharing Your Information

We do not sell your personal information to third parties. We only share your data with trusted partners when necessary to provide our services:

• Service Providers: Companies that help us with identity verification, payment processing, and credit reporting.
• Legal Requirements: We may share data to comply with a court order, law, or legal process, including responding to government or regulatory requests.
• Financial Partners: Banks or institutional partners involved in funding your loan.

5. Your Privacy Rights

Depending on where you live (such as California), you may have specific rights regarding your data:

• Right to Know: You can ask us what information we have collected about you.
• Right to Delete: You can ask us to delete certain personal information, subject to legal requirements to keep some data for financial audits.
• Right to Correct: You can ask us to fix incorrect information in your profile.

6. Data Security

We use professional-grade security measures to protect your data. This includes AES-256 encryption for data at rest and TLS for data in transit. We also maintain SOC 2 compliance standards to ensure our systems are secure against unauthorized access.