1. Introduction
Welcome to Creditus Loan ("we," "us," or "our"), operated at creditusloan.com. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our website and services. By accessing or using our platform, you agree to the practices described in this policy.
Creditus Loan is a loan marketplace that connects borrowers with a network of third-party lenders. We are not a lender and do not make credit decisions. This policy applies to information collected through our website, digital tools, and related services.
2. Information We Collect
We collect information to connect you with suitable lending partners and provide a personalized experience. The categories of information we collect include:
- Personal Identifiers: Full name, email address, phone number, mailing address, and date of birth.
- Financial Information: Stated income, employment status, bank account type, housing status, and partial Social Security Number for identity verification purposes.
- Technical Data: IP address, browser type, operating system, referring URLs, and device identifiers collected automatically through cookies and analytics tools.
- Usage Data: Pages visited, features used, clicks, form interactions, and time spent on our platform.
- Communications: Messages, emails, or contact form submissions you send to us.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To match your profile with lenders in our network most likely to meet your needs.
- To communicate with you about your application status, offers, and account activity.
- To improve our platform, services, and user experience through analysis and testing.
- To comply with applicable laws, regulations, and legal obligations.
- To detect, prevent, and investigate fraud, security incidents, and misuse of our services.
- To send marketing communications where you have opted in, and to provide relevant content.
4. How We Share Your Information
We share your information in limited circumstances and only as described below:
- Lending Partners: We share your profile data with lenders in our network to facilitate loan matching. By submitting your information, you consent to this sharing.
- Service Providers: We engage trusted third-party vendors (hosting, analytics, communication tools) who process your data on our behalf under strict data protection agreements.
- Legal Authorities: We disclose information when required by law, court order, or governmental authority, or to protect the rights and safety of our users and the public.
- Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to this policy.
We do not sell your personal information to advertisers or unaffiliated third parties for marketing purposes.
5. Cookies & Tracking Technologies
We use cookies and similar technologies to enhance your experience. The types we use include:
- Essential Cookies: Necessary for the website to function correctly.
- Performance Cookies: Help us understand how visitors interact with our site (e.g., Google Analytics).
- Functional Cookies: Remember your preferences to personalize your experience.
- Targeting Cookies: Used to deliver relevant advertising on third-party platforms.
You can control cookies through your browser settings. Note that disabling essential cookies may affect the functionality of our website.
6. Data Security
We implement industry-standard security measures to protect your information, including:
- 256-bit SSL/TLS encryption for all data in transit.
- Encrypted storage for sensitive personal and financial data.
- Strict access controls limiting employee access to personal data on a need-to-know basis.
- Regular security audits and vulnerability assessments.
In the event of a data breach that poses a risk to your rights, we will notify affected individuals and relevant authorities within 72 hours of becoming aware of the breach, where required by applicable law.
7. Your Rights & Choices
Depending on your location, you may have the following rights regarding your personal data:
- Access: Request a copy of the personal information we hold about you.
- Correction: Request correction of inaccurate or incomplete data.
- Deletion: Request deletion of your personal data, subject to legal retention requirements.
- Data Portability: Request your data in a structured, machine-readable format.
- Opt-Out of Marketing: Unsubscribe from marketing emails at any time using the link in any email we send.
- California Residents (CCPA): You have the right to opt out of the sale of your personal information. We do not sell personal data; however, you may submit a request to privacy@creditusloan.com.
8. Children's Privacy
Our services are intended strictly for individuals aged 18 and older. We do not knowingly collect, use, or disclose personal information from minors. If we discover that we have inadvertently collected information from a person under 18, we will promptly delete it. If you believe we have collected such information, please contact us at privacy@creditusloan.com.
9. Third-Party Websites
Our platform may contain links to third-party websites, including lender websites, partner tools, and external resources. This Privacy Policy does not apply to those external sites. We are not responsible for the privacy practices of any third-party website. We encourage you to review the privacy policy of every site you visit before submitting personal information.
10. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. Specifically:
- Application data is retained for up to 7 years to comply with financial recordkeeping obligations.
- Marketing communication records are retained for 3 years from your last interaction.
- Technical and usage logs are typically retained for 12 months.
You may request earlier deletion of your data by contacting privacy@creditusloan.com, subject to legal obligations we must fulfill.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or platform features. When we make material changes, we will notify you via email or by posting a prominent notice on our website at least 30 days before the changes take effect. We encourage you to review this page periodically.
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our Privacy Team:
- Email: privacy@creditusloan.com
- Mail: Creditus Loan, Attn: Privacy Team, 1234 Capital Avenue, Suite 800, New York, NY 10001
We will respond to all verifiable requests within 30 days of receipt.