This Website Privacy Policy explains how Loans Offer Today LLC (“Loans Today,” “we,” “us” or “our”) collects, uses and discloses personal information when you visit loansoffertoday.com, use its tools and request form, or contact us through it (the “Website”). How the Loans Today app for iPhone handles your information is described in our separate App Privacy Policy.
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 we collect
When you use the request form. Depending on the Providers available to you, the form may ask for the amount you want to request; your name, date of birth, email address and work and cell phone numbers; your street address, city, state and ZIP code, whether you own or rent and how long you have lived there; your Social Security number and driver’s license or state ID number and state of issue; your income source, employer and job title, pay frequency and next pay dates, and whether you are paid by direct deposit; whether you or a dependent are in the military; and your bank’s name, account type, routing number, account number and time with your bank.
When you contact us. Your full name, email address, the topic you choose and your message.
When you use our tools. Amounts you enter in the loan calculator are used only to show your estimate and are not sent to Providers.
Automatically. Your IP address and the approximate location derived from it, browser type, device type and operating system, the pages you view, the links and tools you use, the steps of the request form you complete, referring pages, and the date and time of your visit.
From others. Providers may tell us whether they presented an offer, and identity verification and fraud prevention services may confirm or flag the details you provide.
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 identity and help prevent fraud;
- send you messages about your request by email and text message;
- respond to your messages;
- operate, secure and improve the Website, including the calculator and Rates & terms pages;
- 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 submit a request and agree to share it, 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, form processing, 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. Do Not Sell or Share My Personal Information
Why this applies to us. 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 the California Consumer Privacy Act and similar laws in other states. Our use of advertising cookies may also be considered “sharing.”
What information is involved. Identifiers such as your name, email address, phone numbers and address; personal characteristics such as your date of birth and military status; financial information such as the amount you request, your income, employment, pay schedule and bank account details; and government identifiers such as your Social Security number and driver’s license or state ID number, where a Provider requires them.
How to opt out. You can opt out at any time, in any of these ways:
- email support@loansoffertoday.com with the subject “Do Not Sell or Share” and the email address or phone number you used in your request;
- write to Loans Offer Today LLC, 1551 Three Crowns Dr, Casper, WY 82604-3174;
- turn on Global Privacy Control in your browser before using the Website, which we treat as an opt-out for that browser;
- in the App, decline tracking in Apple’s App Tracking Transparency prompt or turn it off in your iPhone’s Settings.
We do not need to verify your identity to process an opt-out, but we may ask for details to find your records. An authorized agent may submit an opt-out for you with your written permission.
What happens after you opt out. We will stop sending your personal information to Providers. Because Providers need your request to make an offer, we will not be able to send your request to Providers, although you can keep using the calculator and Rates & terms pages. Information already sent to a Provider is held by that Provider; contact the Provider directly about it.
No discrimination. We will not treat you differently because you opted out, except that we cannot connect you with Providers without sharing your request.
6. 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, email support@loansoffertoday.com or use our contact form. 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.
7. Deleting your information
You can ask us to delete your personal information at any time 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.
8. Retention
We keep personal information only as long as needed to provide the Website and our services, meet legal obligations, resolve disputes and enforce our agreements, and then delete or de-identify it.
9. 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.
10. Links to other websites
The Website may link to websites operated by Providers and others. When you leave the Website, the other site’s privacy policy applies, and we are not responsible for its practices.
11. Children
The Website 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 on this page with a new date, and for material changes we will provide additional notice as the law requires.
13. Contact us
Loans Offer Today LLC, 1551 Three Crowns Dr, Casper, WY 82604-3174, United States. Email: support@loansoffertoday.com.