Privacy Policy
1. Who we are
This website, loanplansonline.com, is operated by Loan Plans Online ("we", "us"). We are not a lender. We run a website that collects loan requests and refers them to participating lenders, lending networks and their partners. This policy explains what information we collect, how we use it and who we share it with.
2. Notice at collection – information we collect
This section is our notice at collection. When you use our website or submit a loan request, we may collect the following categories of personal information, for the purposes in section 3, and keep them as described in section 8:
- Contact details: name, email address, phone numbers, home address.
- Identity details: date of birth, Social Security Number, driver's license or state ID number and issuing state, military status.
- Financial details: requested loan amount and reason, income source and amount, pay frequency and pay dates, employer and job details, bank name, routing and account number, account type and age, self-reported credit rating, homeownership, vehicle ownership and debt information.
- Technical details: IP address, browser and device information, pages visited, referring site and campaign parameters, and cookies or similar technologies.
- Consent records: the date, time, IP address and version of the consents you give on our form.
3. How we use your information
- To process your loan request and match it with participating lenders and lending networks.
- To verify your identity and help prevent fraud.
- To contact you about your request and, if you opted in, to send marketing messages.
- To operate, secure and improve our website and to measure our advertising.
- To meet legal, regulatory and compliance obligations.
4. How we share your information
By submitting a loan request you ask us to share the information you provide, including sensitive information such as your Social Security Number and bank account details, with:
- Participating lenders, lending networks and lead buyers, who may in turn share it with lenders in their own networks so they can review your request, make you an offer and contact you.
- Marketing partners and affiliates that may offer you other financial products or services, if you agreed to receive marketing.
- Data verification and fraud-prevention providers, including data aggregators, to confirm your identity, contact details, employment and bank information.
- Service providers that help us operate our business, such as hosting, data verification, fraud prevention and communication providers, under confidentiality obligations.
- Authorities or other parties when required by law, to protect our rights, or in connection with a merger, acquisition or sale of assets.
We may receive payment from lenders or networks when we refer your request. Lenders and networks that receive your information use it under their own privacy policies, which we encourage you to review.
5. Marketing communications
If you opted in, we and our partners may contact you by email, phone or text message, including by automated technology. Consent to marketing is not a condition of any loan. You can opt out at any time by replying STOP to a text message, using the unsubscribe link in an email, or contacting us at support@loanplansonline.com.
6. Cookies, tracking and Do Not Track
We use cookies, pixels and similar technologies to keep the form working, remember your progress, prevent fraud and measure advertising campaigns, including through advertising partners such as social media platforms. You can block cookies in your browser settings, but parts of the website may not work properly. Our website does not currently respond to browser "Do Not Track" signals.
7. How we protect your information
We use encrypted connections (HTTPS) and encrypt sensitive data such as Social Security and bank account numbers when we store it. Access is limited to people and systems that need it. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.
8. How long we keep your information
We keep your information only as long as needed for the purposes described in this policy, including legal, accounting and compliance requirements, and then delete or anonymize it.
9. Your choices and rights
Depending on your state of residence – including California, Colorado, Connecticut, Utah, Virginia, Texas and other states with consumer privacy laws – you may have the right to:
- know what personal information we collect, use and share;
- access, correct or delete your personal information;
- opt out of the sale or sharing of your personal information and of targeted advertising (see Do Not Sell or Share My Personal Information);
- appeal our decision if we deny your request, by replying to our response;
- not be discriminated against for exercising these rights.
To stop marketing messages, use our Unsubscribe page.
To make a request, email support@loanplansonline.com with the subject "Privacy Request". We will verify your identity before responding. Information already shared with lenders is handled under their own policies, so you may also need to contact them directly.
10. Children
Our services are only for adults 18 years or older. We do not knowingly collect information from anyone under 18.
United States users only
Our website is intended only for residents of the United States. If you access it from outside the United States, your information will be processed in the United States.
11. Changes to this policy
We may update this policy from time to time. The "Last updated" date above shows when it was last changed. Continued use of the website after an update means you accept the revised policy.
12. Contact us
Loan Plans Online
Email: support@loanplansonline.com