Privacy Policy

Last Updated: October 1, 2025

Introduction

Loan AI Portal ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan matching services.

We operate in cooperation with RoundSky, a trusted technology partner that powers parts of our platform. By using our services, you consent to the data practices described in this policy.

Information We Collect

Personal Information

When you apply for a loan through our platform, we collect the following types of personal information:

  • Contact Information: Name, email address, phone number, and mailing address
  • Financial Information: Income, employment status, bank account information, and credit history
  • Identification Information: Social Security Number, date of birth, and government-issued ID
  • Loan Details: Loan amount requested, loan purpose, and financial situation
  • Device Information: IP address, browser type, device type, and operating system

Automatically Collected Information

We automatically collect certain information when you visit our website:

  • Cookies and similar tracking technologies
  • Usage data (pages viewed, time spent, clicks)
  • Referring website information
  • Browser and device characteristics
  • Geographic location (based on IP address)

How We Use Your Information

We use the information we collect for the following purposes:

  • Loan Matching: To match you with appropriate lenders from our network based on your financial profile
  • AI Analysis: To power our artificial intelligence algorithms that predict approval likelihood and find the best rates
  • Communication: To contact you regarding your loan application, send updates, and provide customer support
  • Verification: To verify your identity and prevent fraud
  • Service Improvement: To analyze usage patterns and improve our platform
  • Compliance: To comply with legal obligations and enforce our terms of service
  • Marketing: To send promotional materials about our services (with your consent)
  • Partner Integration: To facilitate our cooperation with RoundSky and other technology partners in delivering our services

Information Sharing and Disclosure

With Lenders

When you submit a loan application, we share your information with lenders in our network who may be able to provide you with loan offers. These lenders will use your information to evaluate your application according to their own privacy policies.

With Technology Partners

We cooperate with RoundSky and other trusted technology partners to operate our platform and deliver our services. These partners may have access to your information as necessary to perform their functions, but they are contractually obligated to maintain confidentiality and use the information only for authorized purposes.

With Service Providers

We may share your information with third-party service providers who perform services on our behalf, including:

  • Credit bureaus and credit reporting agencies
  • Identity verification services
  • Payment processors
  • Cloud hosting providers
  • Analytics and marketing platforms
  • Customer support tools

Legal Requirements

We may disclose your information when required by law, such as:

  • In response to subpoenas, court orders, or legal processes
  • To protect our rights, property, or safety
  • To prevent fraud or illegal activities
  • In connection with a merger, acquisition, or sale of assets

Data Security

We implement industry-standard security measures to protect your personal information:

  • Encryption: All data transmission is protected using 256-bit SSL/TLS encryption
  • Secure Storage: Your information is stored on secure servers with restricted access
  • Access Controls: Only authorized personnel have access to personal information
  • Regular Audits: We conduct regular security audits and vulnerability assessments
  • Compliance: We comply with industry standards and regulatory requirements

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website:

  • Essential Cookies: Necessary for website functionality and security
  • Performance Cookies: Help us understand how visitors use our website
  • Functional Cookies: Remember your preferences and settings
  • Advertising Cookies: Used to deliver relevant advertisements

You can control cookies through your browser settings. However, disabling certain cookies may affect the functionality of our website.

Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information (subject to legal obligations)
  • Opt-Out: Opt out of marketing communications at any time
  • Data Portability: Request your data in a portable format
  • Restriction: Request restriction of processing in certain circumstances
  • Object: Object to certain types of processing

To exercise any of these rights, please contact us at maloni@outlook.com. We will respond to your request within 30 days.

California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

  • Right to know what personal information is collected, used, shared, or sold
  • Right to delete personal information held by businesses
  • Right to opt-out of the sale of personal information
  • Right to non-discrimination for exercising your CCPA rights

We do not sell your personal information to third parties. You can nevertheless exercise the opt-out and sensitive data limitation rights described below using the dedicated forms.

Do Not Sell or Share My Personal Information

Submit your “Do Not Sell or Share” request by completing the secure web form linked below or by emailing us with the subject line “CCPA Do Not Sell or Share” at privacy@loan-platform.com. We will confirm receipt and honor your request within 15 business days.

Limit the Use of My Sensitive Personal Information

You may direct us to use your sensitive personal information only for the services you request or as otherwise permitted by California law. Complete the limitation request form below or email us with the subject line “Limit Use of Sensitive PI” at privacy@loan-platform.com. We will process limitation requests within 45 days (with the option to extend once, as permitted).

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

Third-Party Links

Our website may contain links to third-party websites, including those of our lender partners and technology partners like RoundSky. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

International Users

Our services are based in the United States and are intended for users in the U.S. If you access our services from outside the U.S., please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Loan AI Portal

Email: maloni@outlook.com

For more information, visit our Contact Page.

Technology Partnership

Our platform operates in cooperation with RoundSky, a trusted technology partner. RoundSky may process certain data on our behalf to deliver core platform functionality. RoundSky is contractually required to maintain the confidentiality and security of any personal information they process for us and to use such information only for authorized purposes. The cooperation is governed by a formal Data Processing Agreement (DPA) that outlines the technical and organizational safeguards RoundSky must follow. For more information about RoundSky's privacy practices, please visit their website.

Consent

By using our website and services, you consent to our Privacy Policy and agree to its terms. If you do not agree with this policy, please do not use our services.