1. Introduction
Welcome to Affordable Loan USA (“we,” “us,” “our”). This Privacy Policy explains how we collect, use, disclose, and protect the personal information you provide when you visit our website (https://affordableloanusa.com) or apply for a loan or other financial product from us.
By using our website or services, you agree to the terms of this Policy. If you do not agree, please do not use our website or services.
2. Information We Collect
We collect personal information that you provide directly to us, and information that is automatically collected when you use our website or services, including but not limited to:
Identifying details: name, date of birth, Social Security number (or equivalent), driver’s license or other government-issued ID.
Contact information: mailing address, email address, phone number.
Financial and transactional information: bank account numbers, routing numbers, payment history, credit history, income, employment information.
Website usage information: IP address, browser type, device information, pages visited, time spent on pages, cookies, analytics data.
Other information relevant to loan underwriting, servicing, or regulatory compliance.
3. How We Use Your Information
We use the information we collect for purposes including:
Processing your loan application, verifying identity and eligibility, credit and income verification.
Servicing and managing your loan account, including payments, statements, customer support.
Compliance with legal and regulatory obligations (for example state financial regulation, anti-money-laundering, KYC / CIP obligations).
Fraud prevention, security, and risk management.
Analysing usage of our website and improving our services.
Marketing and promotional communication (where permitted), including sending you information about products or offers we believe may interest you.
4. Sharing Your Information
We may share your personal information in the following ways:
With our affiliates and subsidiaries, where applicable.
With service providers, contractors, vendors who assist us in operating our website, servicing loans, marketing or processing applications — subject to contractual obligations to protect your data.
With credit-reporting agencies, lenders, debt collectors, or other financial institutions as needed for underwriting, servicing, or collection of loans.
With regulatory, government, law enforcement or public agencies as required by law or regulation.
With your consent or at your direction.
We do not sell your personal information to third-parties outside the loan underwriting or servicing process, unless specifically disclosed and you give consent (or as permitted by applicable law).
5. Cookies and Tracking Technologies
We use cookies, web beacons, analytics tools and similar tracking technologies to gather information about your usage of the website (such as pages visited, links clicked, how long you stay on our site), to personalise your experience, provide targeted offers, and improve our website and services.
You can manage or disable cookies through your browser settings — however, please note that disabling cookies may impact the full functionality of our site.
6. Your Rights & Choices
Depending on your state of residence and applicable laws (for example under the CCPA for California residents), you may have rights including:
The right to access the personal information we hold about you.
The right to correct or update your information.
The right to request deletion of certain personal information (subject to certain exceptions).
The right to opt-out of certain types of sharing or marketing uses of your information.
The right to non-discrimination for exercising your privacy rights.
To exercise your rights or receive more information about your choices, please contact us (see “Contact Us” below).
7. Security
We implement reasonable administrative, technical and physical safeguards to protect your personal information from unauthorized access, disclosure, misuse or destruction. However, no method of transmission over the Internet or method of electronic storage is completely secure; we cannot guarantee absolute security.
8. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, to service your loan, to meet legal or regulatory requirements, or to protect our legal rights. After that, we will securely delete or anonymise the information.
9. Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a minor under 18 without parental consent, we will take steps to delete that information.
10. International Transfers
Although our primary operations are in the United States, if we transfer your information to affiliates, service providers or other parties located outside your country of residence, we will ensure that appropriate safeguards are in place to protect your data.
11. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal/regulatory requirements. We will update the “Last updated” date at the top of this page. Your continued use of our website or services after such changes constitutes your acceptance of the updated Policy.
12. How to Contact Us
If you have questions or concerns about this Privacy Policy, or wish to exercise your privacy rights, you may contact us at:
Affordable Loan USA