This Privacy Policy explains, in plain language, how Loans.net collects, uses, and safeguards your personal information whenever you use our Site and Services. For more about our company, visit our About Us page, or contact us with any questions.
Last Updated: July 29, 2026
Loans.net (“we,” “us,” “our,” or “Company”) is committed to protecting your privacy. Specifically, this Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at loans.net (the “Site”) and use our loan comparison and marketplace services (the “Services”).
Importantly, please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our Services. In addition, by accessing and using Loans.net, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy.
1. Information We Collect Under This Privacy Policy
1.1 Information You Provide Directly
Specifically, we collect information that you voluntarily provide when you:
- Complete loan comparison forms or rate quotes
- Create an account or register with our Services
- Submit your contact information to be connected with lenders
- Communicate with us via email, phone, or chat
- Provide feedback or respond to surveys
Notably, this information may include:
- Name, email address, and phone number
- Mailing address and zip code
- Loan type, amount, and term preferences
- Employment and income information
- Credit profile information (which you authorize us to obtain)
- Any other information you choose to provide
1.2 Information Collected Automatically
For example, when you visit our Site, we automatically collect certain information about your device and browsing behavior, including:
- IP address and device identifiers
- Browser type and operating system
- Pages visited and time spent on our Site
- Referring URL and clickstream data
- Cookies and similar tracking technologies
- Location data (with your permission)
1.3 Third-Party Information
Additionally, we may receive information about you from third parties, including:
- Credit reporting agencies and consumer reporting services
- Marketing partners and data providers
- Social media platforms (if you connect your account)
- Public databases and verification services
2. How We Use Your Information Under This Privacy Policy
2.1 Primary Purpose
- To connect you with lenders and loan products that match your needs
- To facilitate loan applications and comparisons
- Additionally, to send your information to lenders you have selected
2.2 Secondary Purposes
- To improve and optimize our Services and website
- To send you updates, newsletters, and marketing communications (with your consent)
- Also, to respond to your inquiries and customer support requests
- To comply with legal obligations and enforce our terms
- Additionally, to detect fraud and protect against security threats
- To analyze usage patterns and user behavior
- Furthermore, to personalize your experience on our Site
3. How We Share Your Information Under This Privacy Policy
3.1 Sharing with Lenders
Important: Loans.net is a loan comparison marketplace, not a lender. Indeed, we connect borrowers with lenders. Specifically, when you submit a loan inquiry or request quotes, we share your personal information with the lenders you select so they can evaluate your application and provide you with loan offers.
As a result, by using our Services, you authorize us to share your information with participating lenders. Moreover, each lender has its own privacy practices, and we encourage you to review their privacy policies.
3.2 Service Providers
In addition, we may share your information with third-party service providers who perform services on our behalf, including:
- Payment processors
- Data analytics providers
- Marketing and advertising partners
- Customer support platforms
- Website hosting and maintenance providers
3.3 Legal Obligations
Likewise, we may disclose your information when required by law or when we believe in good faith that disclosure is necessary to:
- Comply with applicable laws, regulations, or court orders
- Additionally, protect our legal rights and interests
- Enforce this Privacy Policy and other agreements
- Protect the safety and security of our users or the public
3.4 Business Transfers
Similarly, if Loans.net is involved in a merger, acquisition, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. In turn, we will provide notice before your information becomes subject to a different privacy policy.
3.5 Data We Do Not Sell
Specifically, under the California Consumer Privacy Act (CCPA), we do not “sell” or “share” your personal information for cross-context behavioral advertising purposes as defined by the CCPA. However, we may disclose your information to lenders and service providers as described in this policy.
4. Your Privacy Policy Rights
4.1 California Consumer Privacy Act (CCPA) Rights
Accordingly, if you are a California resident, you have the following rights under the CCPA:
Right to Know: You have the right to request what personal information we have collected about you in the past twelve months, including the categories of information, sources, and how we use it.
Right to Delete: You have the right to request deletion of personal information we have collected from you, subject to certain exceptions (such as information needed to complete a transaction or comply with legal obligations).
Opt-Out Rights: You have the right to opt out of our sharing of your personal information with third parties. Alternatively, you can submit an opt-out request through the “Do Not Share My Personal Information” link on our website or by contacting us directly.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights. Nonetheless, we will not deny goods or services, charge different prices, or provide lower-quality service because you exercised your privacy rights.
Global Privacy Control: We recognize and honor Global Privacy Control (GPC) signals. If you use a browser or device that supports GPC, we will treat this as a valid opt-out request.
4.2 How to Exercise Your Rights
To exercise any of these rights, please submit a request by:
- Emailing us at privacy@loans.net
- Calling us at (646) 257-4131
- Submitting a request through our website contact form
Consequently, we will verify your identity and respond to your request within forty-five (45) days. If we need more time, we will notify you.
4.3 Authorized Representative
Furthermore, you may designate an authorized representative to make requests on your behalf. Additionally, we will require proof of authorization.
5. Cookies and Tracking Technologies Under This Privacy Policy
Specifically, we use cookies, web beacons, pixels, and similar tracking technologies to:
- Remember your preferences and login information
- Additionally, understand how you use our Services
- Deliver personalized content and advertisements
- Track your interactions with our Site
Additionally, most browsers allow you to control cookies through their settings. Furthermore, you can set your browser to refuse cookies or alert you when cookies are being sent. However, disabling cookies may affect the functionality of our Services.
6. Data Security Under This Privacy Policy
Specifically, we implement comprehensive physical, technical, and administrative safeguards to protect your personal information from unauthorized access, alteration, disclosure, and destruction. These measures include:
- Encryption of sensitive data in transit and at rest
- Additionally, secure socket layer (SSL) technology on our website
- Firewalls and intrusion detection systems
- Regular security assessments and penetration testing
- Access controls and employee training
While we strive to protect your information, no system is completely secure. Nevertheless, we cannot guarantee absolute security of your data. Ultimately, you acknowledge the inherent risks of internet transmission.
7. Data Retention Under This Privacy Policy
Generally, we retain your personal information for as long as necessary to provide our Services, comply with legal obligations, and resolve disputes. Typically, retention periods vary depending on the context of the processing and our legal obligations. Generally, we retain information for:
- Active accounts: Duration of your relationship with us plus a reasonable period afterward
- Inactive accounts: Up to three (3) years after last activity
- Legal and compliance purposes: As required by law
Subsequently, when information is no longer needed, we securely delete or anonymize it.
8. Third-Party Links and Services
For instance, our Site may contain links to third-party websites, including lender websites and partner services. Consequently, we are not responsible for the privacy practices of these external sites. Therefore, we encourage you to review the privacy policies of any third-party websites before providing your information.
9. Children’s Privacy Policy
Notably, our Services are not intended for individuals under the age of eighteen (18). Overall, we do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will delete that information promptly. If you believe we have collected information from a minor, please contact us immediately.
10. Financial Information and Fair Credit Reporting
For example, when you request loan quotes, we may collect financial information and authorize the retrieval of your credit report. Notably, this information is used solely to connect you with appropriate lenders. Specifically, our use of credit information is governed by the Fair Credit Reporting Act (FCRA) and other applicable laws. Ultimately, you authorize us to obtain your credit report from consumer reporting agencies.
11. Telephone Consumer Protection Act (TCPA) Compliance
Consequently, by providing your phone number, you consent to receive calls and text messages from us and our lending partners regarding your loan inquiry. Additionally, you can opt out of marketing calls and texts by replying “STOP” to any text message or calling us to request removal from our contact list. However, we may still contact you regarding your pending loan application.
12. Privacy Policy Contact Information
Finally, if you have questions about this Privacy Policy or our privacy practices, please contact us:
Loans.net
Email: privacy@loans.net
Phone: (646) 257-4131
Mailing Address: 641 Lexington Ave, New York, NY 10022
Therefore, we will respond to your inquiry within thirty (30) business days.
13. Changes to This Privacy Policy
Overall, we may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. Consequently, we will notify you of material changes by posting the updated Privacy Policy on our Site and updating the “Last Updated” date at the top of this page. Thus, your continued use of our Services after changes become effective constitutes your acceptance of the updated Privacy Policy.
14. California Resident Disclosures Under This Privacy Policy
Categories of Personal Information Collected: Identifiers, commercial information, biometric information, internet or electronic activity, geolocation data, professional information, education information, and inferences drawn from this data.
Purposes of Use: To provide loan comparison and marketplace services, verify identity, comply with legal obligations, prevent fraud, and improve our Services.
Categories of Sources: You, service providers, lenders, credit reporting agencies, and analytics providers.
Categories of Recipients: Lenders, service providers, and as required by law.
Retention Period: As described in Section 7 of this Privacy Policy.
15. Governing Law
Finally, this Privacy Policy is governed by and construed in accordance with the laws of the United States and applicable state laws, without regard to its conflict of law principles.
Ultimately, by using Loans.net, you acknowledge that you have read and understand this Privacy Policy and agree to its terms.