Privacy Policy – Loan GPT

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INTRODUCTION

The LoanGPT (“LoanGPT,” “we,” “us,” or “our”)-owned and managed website https://loangpt.co and any company affiliate or subsidiary website or mobile application (collectively, the “Sites”) are covered by this privacy statement (hereinafter referred to as the “Privacy Policy”). In this privacy statement, “we,” “us,” or “our” refer to LoanGPT subsidiaries or affiliates that have a link to this privacy statement.

This Privacy Policy is provided to communicate how we and our affiliates collect, protect, use, share and retain your personal information when visiting our Site. Please note that this Privacy Policy applies only to our information-gathering, use, and dissemination practices in connection with our Site and does not apply to any of our information practices conducted separately by LoanGPT outside of our Site.

Please read this Policy before using our Site as continued navigation constitutes your agreement to the terms of this policy.

ACCEPTANCE OF THE POLICY

By using this website, you agree to our privacy statement, as well as the way in which we may use and disclose information about you. Please be aware that our rules and procedures only apply to the Sites that we own or control; they do not apply to websites maintained by other companies, websites to which we may link, or websites that are part of other industries with whom we may share information.

CHANGES TO THIS PRIVACY POLICY

LoanGPT reserves the right to update this privacy policy at any time. When we make changes, we will revise the date at the top of this page. Changes will be effective when posted unless otherwise indicated. We encourage you to check this page periodically to stay informed. If there are any significant changes to the policy, we will post those changes prominently on our website.

THE PRIVACY COMMITMENT WE MAKE

Your privacy is important to us. To better protect your privacy, we explain our online information practices and the choices you can make about the way your information is collected and used. We make privacy information available on our homepage and throughout our Site.

WHAT INFORMATION DOES LOANGPT COLLECT?

On our website, we collect personal information about you that you willingly provide to us for purposes of connecting you with loan options and financial solutions. This information includes:

– Full name
– Mailing address
– Email address
– State of residence
– Phone number
– Total amount of unsecured debt
– Loan needs and financial situation
– IP address
– Website interaction and activity on the Site
– How you heard about us
– Date of birth
– Employment and salary information

We also automatically collect non-personally identifiable information including:

– Clickstream information about your visit
– The address of the website from which you originated before visiting our website
– Pages you visit on our website
– Browser type and operating system
– Device information
– Geographic location (country level)
– Time spent on pages

If you become a client of LoanGPT or one of our lending partners, additional personal information may be collected including information about your education, home address, employment, debts, creditors, life events and financial condition.

We collect this information when you visit, interact or register on our website, respond to an advertisement on third party websites, participate in contests or surveys, or call us.

HOW WE USE YOUR INFORMATION

We may use or disclose the personal information we collect for the following purposes:

– To connect you with loan options and financial solutions that match your needs
– To develop your free loan and debt consolidation analysis
– To contact you with the results of your analysis and explain how LoanGPT can help
– To fulfill or meet the reason for which the information is provided
– To provide you with information, products or services that you request from us
– To send you email alerts, newsletters and other notices concerning our products or services
– To carry out our obligations and enforce our rights arising from any contracts
– To assist you in identifying appropriate resources if we cannot serve you
– To provide qualified leads to third party lending partners who may administer a program
– To improve our website and present its contents to you
– To engage consumers who desire loan and debt relief services
– To access consumer records and create their accounts
– To offer client support
– For testing, research, analysis and product development
– To conduct audit, compliance or other legal work associated with our business
– To perform financial reporting, accounting, and other general business administration
– To assess third party vendors and service providers
– As necessary or appropriate to protect the rights, property or safety of us, our customers or others
– To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations
– To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets

SMS AND TEXT MESSAGE COMMUNICATIONS

By providing your phone number and opting in through our website, you consent to receive SMS text messages from LoanGPT. These messages may include:

– Loan consultation confirmations and reminders
– Loan application status updates
– Account notifications
– Promotional offers (only if separately opted in)

To opt out of SMS communications at any time, reply STOP to any message. Standard message and data rates may apply.

IMPORTANT: Information gathered in SMS campaigns will not be shared with third parties or affiliates for marketing purposes. SMS opt-in data and consent will not be shared with any third parties or affiliates.

INFORMATION DISCLOSURE TO THIRD PARTIES

We reserve the right to sell, rent, or transfer your personal information to other parties for any reason as authorized by law. We may disclose your personal information to:

BUSINESS PURPOSE DISCLOSURES:
– Our affiliates and subsidiaries
– Service providers and vendors who perform services on our behalf
– Third parties to whom you or your agents authorize us to disclose your personal information
– Lending partners to match you with appropriate loan products
– Auditors, examiners, and law enforcement as required
– Credit reporting agencies

COMMERCIAL PURPOSE DISCLOSURES:
– Our affiliates
– Corporate credit facility lenders
– Service providers and vendors
– Other third parties including marketers

When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information:

Category A: Identifiers
Category B: California Customer Records personal information categories
Category C: Protected classification characteristics under California or federal law
Category D: Commercial information
Category F: Internet or other similar network activity
Category I: Professional or employment-related information
Category K: Inferences drawn from other personal information

Please contact our customer service department to proactively opt-out of having your personal information shared by sending an email to privacy@loangpt.co if you do not want your personal information to be collected by any third party who is not our agent or service provider.

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this Site. We do not link the information we store in cookies to any personally identifiable information you submit while on our Site.

We use session cookies and persistent cookies. A session ID cookie expires as soon as your browser is closed. Persistent cookies remain on your hard drive for an extended period of time and can be removed by following directions in your Internet browser’s “help” file.

We use persistent cookies to track and target the interests of our users to enhance the experience on our Site. If you reject cookies, you may still use our Site, though certain features may not function as well.

We employ the following types of cookies:

– Essential Cookies: Required for the website to function properly
– Analytics Cookies: Help us understand how visitors interact with our website (Google Analytics)
– Marketing Cookies: Used to deliver relevant advertisements (Google Ads, Meta Pixel)

Some of our business partners and affiliates use cookies on our Site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by LoanGPT only and does not cover the use of cookies by any advertiser or third party.

You may choose to set your web browser to refuse cookies altogether. If you do so, some parts of the Site may not function as intended. For more information about how to manage cookies in your browser:

– Safari: http://help.apple.com/safari/mac/8.0/#/sfri11471
– Google Chrome: https://support.google.com/chrome/answer/95647
– Microsoft Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge
– Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox

PIXELS AND WEB BEACONS (CLEAR GIFS)

We use pixels, web beacons (also known as clear gifs or web bugs), and other tracking technologies to better manage our Site content and advertising. These technologies allow third parties to collect browsing information across sites and help us make the ads and content displayed more relevant to users.

Pixels collect IP address and location, date and time stamp, user agent, cookie IDs (if applicable), URL, time zone, and other browser-level data. We use pixels for ad or content optimization only after such data has been aggregated with other data collected from advertisers or other third parties.

We may share aggregate statistics such as the number of unique user views, demographics about users who engaged in ads or content, conversion rates, and date and time information. We do not link the data collected by clear gifs or web beacons to personally identifiable information of our clients.

We also use Google Analytics to gather information on visitors to our website, including Demographics and Interest Reporting to gather information such as age, gender, and interests. Using the Ads Settings, visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads at: https://adssettings.google.com/

We use Hotjar to better understand our users’ needs and optimize our offerings. For more information about how Hotjar processes your information, please review their privacy policy at: https://www.hotjar.com/legal/policies/privacy/

DATA SECURITY

We have implemented appropriate physical, technological, and administrative systems to protect and secure the information we collect online in order to prevent unauthorized access, preserve data accuracy, and guarantee proper use of information.

When you make personal information available to us, we protect it both while transmitting from your browser to our servers and while stored on our systems through encryption standards with advanced TLS (Transport Layer Security). Facilities where our systems are located can only be accessed by authorized individuals. All employees are trained on information security expectations to ensure the confidentiality and proper usage of data.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the internet or wireless networks can be guaranteed to be 100% secure.

You can also take precautions to keep your information safe:
– Be cautious when using public networks or computers
– Choose complex passwords unrelated to personal information
– Use different passwords for each website
– Completely log out of accounts and clear caches after use on public computers

DO NOT CALL POLICY

In accordance with state law, this privacy policy serves as the LoanGPT Do Not Call Policy for all customers under the Telephone Consumer Protection Act. We reserve the right to listen in on or record any telephone conversations you have with us. We keep a record of internal Do Not Call requests. Requests for “Do Not Call” status will be complied with within 30 days and remain in effect for at least five years. Residential or mobile phones that are on the Do Not Call list will not receive telemarketing calls.

LoanGPT maintains a strict “anti-spam” policy. Unless you provide us with your email address or subscribe on one of our sites to receive communications such as our newsletter, you will not receive LoanGPT emails.

You can ask us not to contact you at your phone number, email address, or postal mailing address by contacting us at privacy@loangpt.co. Please be aware that even if you choose not to receive marketing offers by phone, mail, or email, we may still need to get in touch with you to handle account-related issues and for other nonmarketing reasons.

SOCIAL SECURITY NUMBERS

When we acquire your Social Security number, our Privacy Policy: (1) safeguards the privacy of Social Security numbers, (2) forbids their unauthorized disclosure, and (3) places restrictions on who can access them. We do not disclose SSNs to third parties except where required or permitted by law, and we limit access to SSNs to personnel who need access to perform their job functions.

BUSINESS TRANSITIONS

Your personally identifiable information may be transferred in the event that our company goes through a business transition, such as a merger, acquisition by another firm, or sale of all or a portion of its assets. Any such change in ownership or management of your personal information will be communicated to you through email and/or a clear notice posted on our website for 30 days before it takes effect.

DO NOT TRACK DISCLOSURES

We do not currently respond to “Do Not Track” (DNT) signals in browsers. When users visit https://loangpt.co, third parties may collect personally identifiable information about those users’ online activities over time and across several Sites. In general, users may be able to disable some or all of this tracking activity by utilizing the “Do Not Track” setting within most major Internet browsers.

CHILDREN’S PRIVACY

Our Site is not directed to individuals under the age of eighteen (18), and we do not knowingly solicit or collect information from visitors under 18. Individuals under the age of 18 are asked not to submit any personal information through the Site without parental permission. If we learn or are notified that we have collected any information from a child under 18, we will promptly use all commercially reasonable efforts to have the information deleted. For more information about COPPA, visit the website of the Federal Trade Commission.

THIRD-PARTY WEBSITES

Our Site may contain links to third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of those websites. These third-party websites and entities have separate privacy and data collection practices, and LoanGPT has no responsibility or liability relating to them.

TESTIMONIALS

We may display testimonials or reviews on our website. If we post testimonials that include personal information, we will obtain consent from the individuals prior to posting.

USERS OUTSIDE OF THE UNITED STATES

This privacy statement is intended to address the gathering of data from U.S. citizens via our websites. If you are using our Sites from outside the United States, please be advised that your information is transmitted to, stored, and processed in the United States, where our servers are located and where our central database is operated. The rules and regulations governing data protection in the U.S. and other nations might not be as comprehensive as those in your country. By utilizing our services, you agree that we may transfer your information to our facilities and to the third parties we share it with in accordance with this policy.

YOUR CALIFORNIA PRIVACY RIGHTS (CCPA)

This section applies to any California residents for whom we have obtained personal data from any source, including your use of our website(s), your purchase of our goods or services, or your interaction with us.

For the purposes of this section, “personal information” refers to data that may reasonably be used to directly or indirectly identify, characterize, relate to, or link a specific California consumer, resident, or household. Publicly accessible data and de-identified information are not considered personal information.

CATEGORIES OF PERSONAL INFORMATION WE COLLECT:

Category A – Identifiers: Real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. COLLECTED: YES

Category B – California Customer Records: Name, signature, Social Security number, physical description, address, telephone number, passport number, driver’s license or state ID number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. COLLECTED: YES

Category C – Protected Classification Characteristics: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information. COLLECTED: YES

Category D – Commercial Information: Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. COLLECTED: YES

Category E – Biometric Information: Genetic, physiological, behavioral, and biological characteristics used to extract a template or other identifier. COLLECTED: NO for clients, YES for certain employees

Category F – Internet or Other Similar Network Activity: Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. COLLECTED: YES

Category G – Geolocation Data: Physical location or movements. COLLECTED: YES

Category H – Sensory Data: Audio, electronic, visual, thermal, olfactory, or similar information. COLLECTED: YES

Category I – Professional or Employment-Related Information: Current or past job history or performance evaluations. COLLECTED: YES

Category J – Non-Public Education Information: Education records directly related to a student maintained by an educational institution. COLLECTED: NO

Category K – Inferences: Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. COLLECTED: YES

SOURCES OF PERSONAL INFORMATION:
– Directly from our clients or their agents
– Indirectly from our clients or their agents
– Directly and indirectly from activity on our website (loangpt.co)
– From third parties that interact with us in connection with the services we perform, including affiliate marketers and credit reporting agencies
– Information that is publicly available online or elsewhere
– Employees and job applicants

YOUR RIGHTS UNDER CALIFORNIA LAW:

Right to Know: You have the right to know what personal information we collect, how we use it, who we disclose it to, and if we sell it.

Right to Delete: You have the right to request the deletion of your personal information that is collected or maintained by us.

Right to Opt-Out of Sale: You have the right to opt-out of the sale of your personal information by us.

Right to Data Portability: You have the right to request a portable version of your data.

Right to Non-Discrimination: You have the right not to receive discriminatory treatment by us for the exercise of the privacy rights described above.

You may also authorize someone to exercise the above rights on your behalf. In order to have a third party exercise rights on your behalf as an agent, the third party would need to complete the same forms as the consumer and have a notarized letter authorizing them to act on your behalf.

In order to verify your identity for prospective consumers, you must provide: first and last name, state of residence, phone number, physical address, and email. If you are a current customer, you must also provide your Social Security number or other identifying account number.

To exercise these rights, please contact us:
– Email: privacy@loangpt.co
– Phone: (844) 964-3031
– Website: loangpt.co

NOTICE OF RIGHT TO OPT-OUT

You have the right to request that LoanGPT stop selling your personal information now and in the future. To opt-out of such sales, please contact us:

– Email: privacy@loangpt.co
– Phone: (844) 964-3031
– Website: loangpt.co

CALIFORNIA “SHINE THE LIGHT” LAW

Residents of California may, under California Civil Code §1798.83, request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to privacy@loangpt.co.

In accordance with California law, when individuals with California addresses or phone numbers are disclosed to us, we will automatically treat them as if they had requested that we not share their information with non-affiliated third parties unless specifically allowed by the relevant California law.

VERMONT RESIDENTS

We automatically consider accounts with Vermont billing addresses as if you asked that we restrict the information we share with our affiliates and that we limit the information we share with nonaffiliated third parties. Only your name, address, other contact information, and details of our interactions and experiences with you will be shared with non-affiliated third parties with whom we have joint marketing agreements.

NEVADA RESIDENTS

This notification is being sent in accordance with state legislation. You can ask to be included on our internal “Do Not Call” list by contacting us directly and stating your request in writing at privacy@loangpt.co. Nevada law also requires us to provide the following contact information for the Nevada Attorney General: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101.

OPT-OUT / UNSUBSCRIBE

You may opt out of promotional or information sharing options in the following ways:

Promotional Emails: To opt-out of receiving emails from us, you can:
a) Click “unsubscribe” in the footer of any email message, or
b) Email us at privacy@loangpt.co, or
c) Call us at (844) 964-3031

Information Sharing: To opt out of information sharing, email privacy@loangpt.co or call (844) 964-3031.

Text Messages/SMS: To opt out of text/push notifications, reply “STOP” to any text message, or contact us as noted above.

CHANGING OR UPDATING YOUR INFORMATION

LoanGPT relies on you to update and correct your personal information. If you find that our information about you is incorrect or incomplete, please contact us at privacy@loangpt.co and we will make the necessary corrections.

IMPORTANT DISCLOSURES

LoanGPT does not actually provide debt settlement, debt consolidation, or other credit counseling services directly. We ONLY refer you to companies that may provide some or all of those services. On average, consumers who successfully complete a debt relief program see average savings of 40% to 60% of their enrolled debt load before program fees. Program fees are calculated based on a percentage of enrolled debt and typically range from 14% to 27%. Programs are not available in all states, and fees may vary by state. Programs typically run from 24 to 48 months, depending on a consumer’s debt load and individual circumstances. Consumers must save at least 25% of the total amount of each enrolled debt before a debt relief company can make a bona fide settlement offer to a consumer’s creditors. Settlements typically occur every 3 to 6 months, with clients receiving their first settlement within 4 to 7 months of enrollment.

We do not assume clients’ debts, make monthly payments to creditors, or provide tax, bankruptcy, accounting, legal advice, or credit repair services. Please contact a tax professional to discuss the tax consequences of debt relief and a bankruptcy attorney for more information on bankruptcy.

Please note that using debt resolution services will likely have an adverse effect on your credit, and you may face collections or lawsuits from creditors or collectors. Additionally, your outstanding debt may increase due to the accrual of fees and interest. Before enrolling, it is essential to read and understand all program terms, conditions, and materials. Please note that certain types of debts may not be eligible for enrollment. Also, some creditors may not be eligible for enrollment because they do not negotiate with debt relief companies.

HOW TO CONTACT US

If you have any questions or concerns regarding this Privacy Policy or our privacy practices, please contact us:

LoanGPT
Email: privacy@loangpt.co
Phone: (844) 964-3031
Website: loangpt.co

Office Hours:
Monday – Friday: 7:00 AM – 7:00 PM PST
Saturday: 8:00 AM – 4:00 PM PST