Privacy Policy
LoanDirectUSA.com
Effective Date: September 25, 2025
LoanDirectUSA ("Company," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect information when you use our website, forms, and related services (the "Services"). By using the Services, you agree to the practices described here.
1. Eligibility & Children's Privacy
Our Services are intended only for U.S. residents age 18 and older. We do not knowingly collect personal information from individuals under 18. If we learn that information has been submitted by someone under 18, we will delete it as soon as reasonably possible.
2. Information We Collect
When you use our Services, we may collect:
Personal Information you provide, such as your name, address, phone number, email, income, debt amounts, housing status, employment details, and (if requested) date of birth or last four digits of your SSN.
Device & Usage Data, such as IP address, browser type, operating system, pages visited, time on site, and referral/UTM information.
Communications, including emails, texts, or calls between you and us (or Providers if you connect with them).
3. How We Use Information
We use the information we collect to:
- Route your request to independent lenders, loan brokers, and/or debt-relief providers ("Providers").
- Enable Providers to evaluate your eligibility, which may include soft credit inquiries.
- Communicate with you about your request and related services.
- Operate, improve, and secure the Services.
- Comply with legal, regulatory, or contractual requirements.
4. How We Share Information
We may share your information with:
- Providers, so they can evaluate your request, determine eligibility, and contact you with offers.
- Service Providers, such as hosting, analytics, and communications vendors.
- Advertising/Analytics Partners, to measure performance and reach interested audiences.
- Legal/Compliance, if required by law or to protect rights, safety, and security.
- Corporate Transactions, in connection with a merger, acquisition, or asset transfer.
We do not sell your personal information in the ordinary sense. However, some data uses (such as targeted advertising and analytics) may be considered a "sale," "share," or "targeted advertising" under state privacy laws.
5. Credit Inquiries by Providers
By submitting your information, you authorize Providers to review your credit history, which may include a soft credit inquiry that does not affect your credit score. If a hard inquiry is required, the Provider will request your separate consent.
6. Your Privacy Choices
Depending on your state of residence, you may have the right to:
- Request access to the personal information we have about you.
- Request deletion or correction of your information.
- Opt out of the "sale," "sharing," or use of your information for targeted advertising.
To exercise these rights, contact us at privacy@loandirectusa.com. We may need to verify your identity before fulfilling a request.
You may also opt out of marketing emails by using the "unsubscribe" link and opt out of texts by replying STOP. Transactional or service-related messages may still be sent.
7. Data Security & Retention
We use reasonable safeguards to protect personal information. No method of storage or transmission is completely secure. We keep information as long as needed to provide the Services, comply with laws, or resolve disputes.
8. Third-Party Links
Our Services may contain links to third-party websites. We are not responsible for the privacy practices of third parties.
9. Changes to this Policy
We may update this Privacy Policy from time to time. The "Effective Date" above reflects the date of the most recent version. Your continued use of the Services after changes are posted means you accept those changes.
10. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at: