Privacy Policy

1. Privacy Policy Overview

This Privacy Policy outlines how USALoanToday.com (referred to as "we," "our," or "us") collects, uses, shares, and protects your personal information. By accessing or using this website, you consent to the practices described in this Privacy Policy.

This Privacy Policy is supplemented by state-specific notices for residents of Colorado, Connecticut, Utah, and Virginia. Please review our Notice to Residents of Colorado, Connecticut, Utah, Virginia for additional details. California residents should consult our California Privacy Policy.

This Privacy Policy is subject to and part of our Terms of Use, which governs your use of our Service. Please refer to the Terms for additional information about liability, arbitration, and governing law.

2. Notice at Collection

We may collect personal information for business, commercial, and legal purposes as detailed below. By providing your information, you consent to its collection, use, and disclosure under this Privacy Policy.

If you wish to exercise your rights regarding your information, please visit the "Your Privacy Rights and Choices" section below.

3. Information We Collect

3.1 Information You Provide

By providing your personal information, you certify that it is accurate, truthful, and complete. Providing false or misleading information may result in denial or suspension of access to our services.

We collect personal information you voluntarily provide, including:

• Name, email address, phone number, and mailing address
• Social Security number, driver's license number, and bank account information
• Employment and income details, credit information, and other financial data
• Any additional information you choose to submit via forms, surveys, or other communications

3.2 Automatically Collected Information

We automatically collect certain information when you visit the website, such as:

• Browser type, IP address, device type, and operating system
• Referring URLs, pages viewed, time spent on pages, and clickstream data
• Geolocation information (if enabled on your device)

3.3 Information From Third Parties

We may collect information from affiliates, advertising partners, data vendors, and public sources. This may include demographic data, online behavior, and inferred preferences to improve our services.

4. How We Use Your Information

We use your information for the following purposes:

1. Providing Services: To match you with lenders, process transactions, and fulfill your requests
2. Personalization: To deliver customized content and offers based on your preferences
3. Marketing: To communicate offers via email, SMS, or other means. You may opt-out at any time
4. Fraud Prevention: To verify identity, prevent fraud, and enhance website security
5. Legal Compliance: To meet legal obligations, enforce our Terms of Use, and resolve disputes
6. Analytics and Improvements: To analyze website performance, conduct research, and enhance services

5. Email Communications

If you provide your email address, you consent to receive email communications from USALoanToday.com and its Lender Partners, as well as marketing partners. These communications may include:

• Transactional Emails:
  • Updates, reminders, and notifications directly related to your loan request or application
  • These messages are necessary for the completion of your loan application or use of the Service and cannot be opted out of while your application is active
• Marketing Emails:
  • Marketing offers and advertisements for financial products or services
  • You can opt out of marketing emails at any time by clicking the unsubscribe link included in each email or going here optmeout.me

Additional Information:

• If you receive marketing emails directly from a Lender Partner, you must contact them to opt out, as they operate independently of USALoanToday.com
• For assistance, contact us at [email protected]

6. SMS Communications

If you provide your mobile phone number, you consent to receive SMS messages from USALoanToday.com and its Lender Partners. These communications may include:

• Transactional SMS Messages:
  • Updates, reminders, and notifications directly related to your loan request or application
  • These messages are necessary for the completion of your loan application or use of the Service and cannot be opted out of while your application is active
• Marketing SMS Messages (only if you provide explicit consent, not required to use the Service):
  • Marketing offers and advertisements for financial products or services
  • You can opt out of marketing SMS at any time by clicking the unsubscribe link included in each SMS or going here optmeout.me

Additional Information:

• These messages may be sent using an automatic dialing system or other technology, even if your number is on a national or state Do-Not-Call registry
• Standard messaging and data rates may apply
• If you receive marketing SMS directly from a Lender Partner, you must contact them to opt out, as they operate independently of USALoanToday.com
• For assistance, contact us at [email protected]

7. How We Share Your Information

Your information may be shared with:

1. Lenders and Partners: To provide financial services and products tailored to your needs
2. Service Providers: Including hosting, analytics, payment processing, and marketing vendors
3. Marketing Partners: To deliver targeted offers for financial and non-financial products
4. Law Enforcement or Legal Requests: To comply with subpoenas, legal orders, or regulatory obligations
5. Corporate Transactions: In the event of a sale, merger, or transfer of assets
6. Aggregated Data: Non-identifiable data shared for research or analysis

Opt-Out Note: If you do not wish for your information to be shared with lenders or partners, do not submit your information on this website.

For transparency about compensation and partnerships, see our Advertising Disclosure.

8. Cookies, Tracking Devices, and Advertising

We use cookies and tracking technologies for:

• Session management, website functionality, and analytics
• Behavioral advertising through third-party providers, including Google Analytics

Opt-Out: You can manage cookies via your browser settings or visit Network Advertising Initiative for additional choices.

9. Your Privacy Rights and Choices

You have the following rights under applicable law:

• The Right to Know what personal information we collect, use, and share
• The Right to Delete your personal information
• The Right to Opt-Out of the sale of your personal information

To exercise your privacy rights, follow the instructions below:

• Unsubscribe: Use our unsubscribe form or email [email protected] with your name, address, and request, and include "Unsubscribe" in the subject line
• All Other Requests: Email [email protected] with your name, address, and request, and include the request type (e.g. "Right to Know", "Right to Delete", or "The Right to Opt-Out") in the subject line

Verification: We will not fulfill your request unless we can reasonably verify your identity. To do so, you may be asked to provide your name, address, and email for verification.

Authorized Agents: You may designate an authorized agent to make a request on your behalf. The agent must provide written authorization, proof of their identity, and confirmation of your permission.

10. Data Retention and Security

We retain your information for as long as necessary to fulfill business or legal obligations. We implement industry-standard security measures to protect your data, including encryption and access controls. However, no method is 100% secure.

11. Children's Privacy

This website is not intended for individuals under the age of 16. If we become aware of any collection of data from children, we will delete it promptly.

12. Links to Other Websites

We are not responsible for the privacy practices of third-party websites linked from our site. Review their policies before sharing information.

13. Electronic Consent and Communication

By providing your information, you consent to receive notifications, disclosures, and documents electronically. This consent applies to:

• Communications from us or our partners
• Information submitted through our website

You agree that this consent satisfies requirements under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act).

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted with an updated "Effective Date." Continued use of the website constitutes acceptance of the revised policy.

15. Governing Law

This Privacy Policy is governed by the laws of Wyoming, excluding its conflict-of-law principles.

16. Dispute Resolution

Any disputes arising from this Privacy Policy or our use of your personal information will be resolved through binding arbitration as detailed in our Terms of Use.

17. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact us at [email protected]

For questions or concerns:

• Email: [email protected]