Privacy Policy

This Privacy Policy applies to individuals who interact with us, including customers, prospective customers, Website visitors, business partners, vendors, contractors, and other individuals who provide information to us in connection with our Services.

Throughout this Privacy Policy, “you” refers to the individual accessing our Website, communicating with us, or providing information to us, and “we,” “us,” and “our” refer to Loan America.

If you access third-party websites or services through links provided on our Website, those third parties' privacy practices are governed by their own privacy policies. We are not responsible for the privacy practices, content, or security of third-party websites or services.

By accessing or using our Website, you acknowledge that you have had an opportunity to review this Privacy Policy.

Where we request your consent to collect, use, disclose, or otherwise process Personal Information, we will obtain and maintain that consent in the manner required by applicable law.

Your use of our Website and Services may also be subject to additional terms, disclosures, consents, agreements, or notices applicable to particular products, Services, communications, or transactions.

Because we provide Services by telephone and other communication methods, we may communicate with you by telephone, text message, email, or other electronic means.

We may record, monitor, retain, or review telephone calls and other communications between you and us for purposes including quality assurance, employee training, customer service, documentation, security, fraud prevention, compliance, dispute resolution, and other legitimate business purposes.

Where required by applicable law, we will provide appropriate notice and obtain any required consent before recording or monitoring a communication.

If a third-party service provider records, transcribes, stores, or processes communications on our behalf, that provider may process information in accordance with its agreement with us and applicable law.

The information we collect depends on how you interact with us and the Services you use. Depending on the circumstances, we may collect:

• Name and contact information;
• Postal or mailing address;
• Email address;
• Telephone number;
• Date of birth;
• Account or login information;
• Financial and debt-related information;
• Employment and income information;
• Information concerning creditors, debts, balances, payment obligations, and financial circumstances;
• Information submitted through forms or applications;
• Information contained in communications with us;
• Information concerning your preferences and interactions with our Services;
• Device identifiers and technical information;
• IP address and server-log information;
• Browser and operating-system information;
• Website activity and interaction information; and
• Other information that you voluntarily provide to us or that we obtain from lawful sources.

We seek to collect information that is reasonably necessary for legitimate business purposes and permitted by applicable law.

Depending on the Services you request, we may collect information concerning your financial circumstances and debts. This information may include, where applicable:

• Types and amounts of debt;
• Creditors and debt collectors;
• Account balances;
• Payment obligations;
• Interest rates and fees;
• Income and employment information;
• Household or financial circumstances;
• Information concerning your ability to make payments; and
• Other information reasonably necessary to evaluate, provide, or facilitate requested Services.

We use this information to understand your circumstances, evaluate whether particular Services may be appropriate, communicate with you, facilitate requested Services, maintain appropriate records, and comply with applicable legal and regulatory requirements.

We will only collect and process sensitive financial information to the extent reasonably necessary for our legitimate business purposes, your requested Services, or as otherwise permitted by applicable law.

We may receive Personal Information from several sources, including directly from consumers and from third parties. Our lead-generation activities may include:

• Direct Lead Generation. We may collect information directly from individuals through our Website, advertising, forms, telephone interactions, landing pages, surveys, or other channels.
• Third-Party Lead Sources. We may receive information from third parties that generate, collect, or provide consumer leads to us.
• Referral and Business Relationships. We may provide or receive consumer information through referral relationships, business partners, affiliates, service providers, or other organizations involved in providing or marketing Services.
• Services Provided on Behalf of Others. We may provide lead-generation, customer-contact, call-center, administrative, or other services on behalf of another company. In those circumstances, we may process Personal Information in accordance with our agreement with that company, applicable law, and the privacy disclosures provided to the consumer.

Depending on the circumstances, information may be provided to us by a consumer directly or by a third party acting with the consumer's authorization or pursuant to another lawful basis.

Where required by applicable law, we will maintain appropriate records concerning the source of consumer information and any applicable consent or authorization.

We may collect information about how you interact with our Website and Services, including pages viewed, links clicked, searches performed, browser type, operating system, device type, IP address, referring website, approximate geographic information, and other technical or usage information.

When this information can reasonably be associated with you, we may treat it as Personal Information.

We may create or use information that does not reasonably identify an individual, including aggregated or de-identified information.

We may use this information for legitimate business purposes such as analytics, research, reporting, product development, Website improvement, security, and marketing.

We may combine information collected from different sources to better understand how our Services are used, communicate with you, evaluate our marketing activities, and improve our business operations.

When information that would otherwise be considered anonymous or aggregated is combined with Personal Information in a manner that reasonably identifies an individual, we will treat the resulting information as Personal Information to the extent required by applicable law.

We collect information through several methods, including:

• Forms, applications, and other information you submit;
• Telephone calls and other communications;
• Website interactions;
• Surveys, questionnaires, and other voluntary submissions;
• Cookies and similar technologies;
• Server logs and Website analytics;
• Advertising and marketing technologies;
• Lead-generation and referral partners;
• Business partners and service providers;
• Information provided to us when we provide Services on behalf of another organization; and
• Other lawful sources.

The information collected and the purposes for which it is used may vary depending on the nature of your relationship with us.

We use information we collect to:

• Provide and administer our Services;
• Evaluate and respond to requests for information or Services;
• Understand your financial or other circumstances when necessary to provide requested Services;
• Communicate with you;
• Schedule, facilitate, and administer Services;
• Process transactions;
• Maintain customer and business records;
• Improve and personalize our Website and Services;
• Perform analytics, research, quality control, and business analysis;
• Evaluate the effectiveness of marketing and lead-generation activities;
• Develop and improve products and Services;
• Send permitted marketing communications;
• Prevent fraud and protect the security of our systems;
• Monitor and improve call quality and customer interactions;
• Troubleshoot technical issues;
• Comply with legal and regulatory obligations;
• Establish, exercise, or defend legal claims;
• Enforce our agreements and policies; and
• Protect our rights, property, users, employees, and business.

We may also use information for other purposes that are compatible with the purposes for which it was collected or otherwise permitted by applicable law.

We may disclose Personal Information when reasonably necessary to operate our business, provide requested Services, communicate with consumers, comply with legal obligations, or perform the purposes described in this Privacy Policy.

We may provide information to vendors and Service Providers that perform services on our behalf. These services may include:

• Website hosting;
• Data storage;
• Customer relationship management;
• Call-center and telephone services;
• Call recording and transcription;
• Payment processing;
• Customer support;
• Email and text-message delivery;
• Analytics;
• Advertising and marketing;
• Lead management;
• Security and fraud prevention;
• Information technology; and
• Other business-support functions.

We seek to provide Service Providers with information reasonably necessary for them to perform their services and expect them to handle information in accordance with applicable contractual and legal requirements.

Depending on the circumstances, we may receive or provide Personal Information in connection with lead-generation, referral, marketing, customer-service, call-center, or other business relationships.

When we provide Personal Information to another organization, the nature of the disclosure depends on the relationship and the purpose for which the information is being provided. For example, we may:

• Receive leads generated by third parties;
• Provide leads or referrals to business partners;
• Share information with companies that assist in providing requested Services;
• Provide information to companies on whose behalf we perform call-center or customer-contact services; or
• Work with affiliated or unaffiliated organizations that support our business operations.

Where required by applicable law, we will provide appropriate notice and obtain any required consent before making a disclosure.

We may disclose information when you request or authorize us to do so.

We may disclose information when reasonably necessary to comply with applicable law, regulation, legal process, subpoena, court order, governmental request, or other legal obligation.

We may disclose information when reasonably necessary to protect our rights, property, systems, users, employees, or others, or to detect or prevent fraud, abuse, security threats, or other unlawful activity.

Information may be transferred in connection with an actual or contemplated merger, acquisition, financing, reorganization, bankruptcy, sale of assets, or other corporate transaction.

Where required by applicable law, we will provide appropriate notice concerning such transfers.

We recognize the sensitivity of the information that may be provided to us, including financial and debt-related information.

We maintain administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, acquisition, disclosure, alteration, or destruction.

Depending on the nature of the information and our business operations, these safeguards may include access controls, authentication procedures, secure systems, employee training, vendor oversight, monitoring, data-management procedures, and other security measures appropriate to the nature and sensitivity of the information.

We limit access to Personal Information to employees, contractors, and Service Providers who have a legitimate business need for that information.

We also seek to require applicable Service Providers that handle Personal Information on our behalf to maintain appropriate safeguards and use the information only for authorized purposes.

No method of transmitting or storing information can be guaranteed to be completely secure. Accordingly, while we take commercially reasonable measures to protect Personal Information, we cannot guarantee absolute security.

We maintain procedures designed to identify, investigate, respond to, and remediate suspected security incidents involving Personal Information.

If we determine that a security incident has affected Personal Information, we will take reasonable steps to investigate the incident, contain and remediate the issue, and determine whether notification is required.

Where required by applicable law, we will provide notice to affected individuals, governmental authorities, or other parties within the time and in the manner required by law.

We may also take additional measures that we determine are appropriate based on the nature and circumstances of an incident.

We retain Personal Information for as long as reasonably necessary to:

• Provide our Services;
• Fulfill the purposes for which the information was collected;
• Maintain appropriate business and transaction records;
• Comply with legal and regulatory obligations;
• Resolve disputes;
• Enforce agreements;
• Detect and prevent fraud;
• Protect our legal rights; and
• Meet other legitimate business needs.

Retention periods vary depending on the type of information, the nature of the relationship, legal requirements, and other relevant circumstances.

When Personal Information is no longer reasonably necessary for these purposes, we will take reasonable steps to delete, destroy, de-identify, or otherwise dispose of it in accordance with applicable law and our information-retention practices.

We take reasonable steps to maintain accurate Personal Information and to limit the information we collect, use, and retain to information that is reasonably necessary for legitimate business purposes and the Services we provide.

Where appropriate, we may provide individuals with mechanisms to update or correct information associated with their account or relationship with us.

You may unsubscribe from marketing emails by following the unsubscribe instructions contained in the applicable communication.

You may also manage certain cookies through your browser settings.

Depending on where you live and applicable law, you may have additional rights regarding your Personal Information, including rights to access, correct, delete, or obtain a copy of certain Personal Information and rights to opt out of certain sales, sharing, or targeted advertising.

Instructions for submitting privacy requests are provided below.

To submit a privacy request, please contact us using the information provided in this Privacy Policy.

Depending on the request and applicable law, we may need to verify your identity before completing the request.

We may request information reasonably necessary to verify that you are the individual whose information is the subject of the request or that you are authorized to act on that individual's behalf.

Where permitted by law, you may authorize another person to submit a request on your behalf.

We will respond to verified requests within the time period required by applicable law.

If you are a California resident, you may have additional rights under applicable California privacy laws, including the California Consumer Privacy Act, as amended. Depending on the circumstances and applicable law, California residents may have rights to:

• Know or access Personal Information;
• Request deletion of Personal Information;
• Request correction of inaccurate Personal Information;
• Obtain certain information in a portable format;
• Opt out of certain sales or sharing of Personal Information;
• Limit certain uses or disclosures of Sensitive Personal Information; and
• Not receive discriminatory treatment for exercising applicable privacy rights.

These rights are subject to applicable legal limitations and exceptions. We will not discriminate against you for exercising rights provided to you by applicable law.

Additional California-specific disclosures may be provided in a separate California Privacy Notice where appropriate.

We may use information to communicate with you about our Services and, where permitted by applicable law, to provide advertising or promotional communications.

We may use cookies, pixels, advertising identifiers, analytics tools, and similar technologies to measure the effectiveness of our marketing activities and understand interactions with our Website.

Depending on applicable law and your choices, certain third-party advertising or analytics providers may receive information concerning your interactions with our Website.

Where required by applicable law, we will provide appropriate mechanisms to opt out of targeted advertising, sales, sharing, or other applicable forms of data processing.

Our Website may integrate with or link to third-party websites, applications, technology platforms, or services.

Third parties may collect or process information independently from us. Their privacy practices are governed by their own privacy policies and terms.

We encourage you to review the privacy policies of third-party services before providing them with Personal Information.

Our Website and Services are not directed to children under the age of 13, unless expressly stated otherwise.

We do not knowingly collect Personal Information from children in violation of applicable law.

If you believe that a child has provided Personal Information to us in circumstances where such collection was not permitted, please contact us so that we can review and, where appropriate, delete the information.

If you participate in our text messaging program, additional terms may apply. Our text messaging practices, including consent, opt-out procedures, and the handling of text messaging information, are described in our Text Messaging Terms and applicable disclosures provided at the time of enrollment.

This Privacy Policy should be read together with our Terms of Use and other applicable agreements.

To the extent permitted by law, if there is a conflict between this Privacy Policy and our Terms of Use concerning privacy or the handling of Personal Information, this Privacy Policy will control with respect to those privacy-related matters.

If you have questions, concerns, or complaints regarding this Privacy Policy or our privacy practices, please contact our Privacy Department using the details in the Contact Us section below.

We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, Services, or applicable law.

When we make material changes, we may provide notice by posting the revised Privacy Policy on our Website, updating the “Last Updated” date, providing notice through email, or using another legally permitted method.

Your continued use of the Website following the effective date of a revised Privacy Policy constitutes your acknowledgment of the updated Privacy Policy to the extent permitted by law.