This Privacy Policy explains how Loans Offer Today LLC (“Loans Today,” “we,” “us” or “our”) collects, uses and discloses personal information when you use the Loans Today app for iPhone (the “App”) and the website loansoffertoday.com, including its request form (the “Website”). Together, they are the “Service.”
Loans Today is a loan-matching service, not a lender. We do not originate, fund, broker or service loans and do not make lending decisions. With your permission, we pass your request to participating lenders and providers (“Providers”), who decide whether to present an offer. Once a Provider receives your information, its own privacy policy applies.
1. Information you give us
Your request in the App. The amount you want to request; your first and last name, date of birth, ZIP code and state of residence; your email address and phone number; and your income source, employment status, time employed and approximate monthly income.
Phone verification. We send a one-time code to your phone number to confirm that it belongs to you and keep a record that the number was verified.
Your consents. Before anything is shared, the App asks for three separate consents: agreement to our Terms of Use and this Privacy Policy, authorization to use your information to review your request and match you with available options, and authorization to share your information with participating Providers. We keep a record of each consent you give.
The request form on the Website. Depending on the Providers available to you, the form may also ask for your street address and city, whether you own or rent and how long you have lived there, work and cell phone numbers, Social Security number, employer and job title, pay frequency and next pay dates, whether you are paid by direct deposit, whether you or a dependent are in the military, your bank’s name, account type, routing number, account number and time with your bank, and your driver’s license or state ID number and state of issue.
Contact Support. Your full name, email address, the topic you choose and your message.
2. Information collected automatically
When you use the Service, we and our service providers automatically collect your device type and operating system, app version, IP address and the approximate location derived from it, crash and diagnostic data, and how you use the Service, such as screens viewed, steps completed and taps on the Calculator and Rates tabs. The Website uses cookies and similar technologies for the same purposes. Amounts you enter in the Calculator are used only to show your estimate and are not sent to Providers.
The App does not request access to your contacts, photos, camera, microphone or precise location.
3. How we use information
We use personal information to:
- review your request and match it with participating Providers, and show you the options they present;
- verify your phone number and identity and help prevent fraud;
- send you messages about your request by email, text message and in-app notice;
- respond to your Support messages;
- analyze and improve the Service, including the Calculator and Rates tabs;
- comply with legal and regulatory requirements and enforce our Terms of Use.
We do not make credit decisions, and we do not use your information for purposes unrelated to your request without your consent.
4. How we disclose information
Participating Providers. When you give your consent to share, we disclose your request to Providers that may be able to present loan options. Providers may contact you, verify your information and, if you continue with them, check your credit. Providers or marketing partners may compensate us when a request is matched or an offer is accepted.
Service providers. Companies that help us with hosting, analytics, text-message and email delivery, identity verification, fraud prevention, customer support and security receive the information they need to do that work, under contracts that limit their use of it.
Legal reasons. We may disclose information when required by law, subpoena or court order, or to protect the rights, property and safety of Loans Today, our users and others.
Business transfers. Information may be transferred to a successor in a merger, acquisition or sale of assets, subject to this Privacy Policy.
5. Sale of personal information and your choice to opt out
We do not sell personal information to data brokers. However, because Providers or marketing partners may compensate us when we share your request, this sharing may be considered a “sale” or “sharing” of personal information under some state laws. You can opt out at any time by emailing support@loansoffertoday.com with the subject “Do Not Sell or Share.” We also honor Global Privacy Control signals on the Website. If you opt out, we will not be able to send your request to Providers.
6. App Tracking Transparency
We will not track you across other companies’ apps and websites unless you allow it when the App shows Apple’s App Tracking Transparency prompt. You can change this choice at any time in your iPhone’s Settings.
7. Your rights
Depending on your state, including California, Colorado, Connecticut, Oregon, Texas, Virginia and others with consumer privacy laws, you may have the right to know and access the personal information we hold about you, receive a portable copy, correct it, delete it, opt out of its sale or sharing and of targeted advertising and profiling, limit the use of sensitive personal information such as your Social Security number and bank account details, appeal our decision on your request, and exercise these rights without discrimination.
To make a request, use Contact Support in the App or email support@loansoffertoday.com from the email address you used in your request. We will verify your identity by matching information we already hold and respond within 45 days. An authorized agent may act for you with your written permission. To appeal our decision, reply with “Appeal” in the subject line; we will respond within 60 days.
Some information we handle is subject to the federal Gramm-Leach-Bliley Act. Where it applies, state privacy rights may not, and we protect that information as federal law requires.
8. Deleting your information
You can ask us to delete your personal information at any time through Contact Support in the App or by emailing support@loansoffertoday.com. We will delete or de-identify it within 30 days, except records we must keep by law, to resolve disputes or to prevent fraud. Information already sent to a Provider is held by that Provider; contact the Provider directly to request deletion.
9. Retention
We keep personal information only as long as needed to provide the Service, meet legal obligations, resolve disputes and enforce our agreements, and then delete or de-identify it.
10. Security
We use administrative, technical and physical safeguards, including encryption in transit, to protect personal information. No method of transmission or storage is completely secure. If a breach affects your information, we will notify you as the law requires.
11. Children
The Service is not intended for anyone under 18, and we do not knowingly collect their personal information. If we learn we have, we will delete it.
12. Changes to this Privacy Policy
We may update this Privacy Policy. We will post the new version with a new date and notify you in the App or by email before material changes take effect.
13. Contact us
Loans Offer Today LLC, 1551 Three Crowns Dr, Casper, WY 82604-3174, United States. Email: support@loansoffertoday.com.