Privacy Policy

Introduction

Local Loans ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services to apply for business funding.

Information We Collect

Personal Information

When you apply for funding, we collect:

• Name and contact information (email, phone, address)
• Business information (name, type, revenue, industry)
• Financial information (loan amount requested, annual revenue)
• ZIP code for local matching purposes
• Loan purpose and business details

Automatically Collected Information

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our site
• Referral source (how you found our website)
• Cookies and similar tracking technologies

How We Use Your Information

We use your information to:

• Process and evaluate your loan application
• Match you with appropriate lending partners
• Communicate about your application status
• Provide customer support and respond to inquiries
• Send you relevant funding opportunities
• Improve our website and services
• Comply with legal and regulatory requirements
• Prevent fraud and ensure security

How We Share Your Information

Lending Partners

We share your application information with qualified lending partners who may be able to provide funding solutions. These partners are carefully vetted and must agree to protect your information.

Service Providers

We may share information with trusted third-party service providers who assist us with:

• Customer relationship management (CRM)
• Email and SMS communications
• Website analytics and optimization
• Payment processing and fraud prevention
• Legal and compliance services

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or to protect our rights, property, or safety.

Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security assessments
• Employee training on data protection
• Incident response procedures

Your Privacy Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications
• Request information about how we use and share your data
• File a complaint with relevant authorities

Cookies and Tracking

We use cookies and similar technologies to enhance your experience:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Enable personalized advertising
• Preference Cookies: Remember your settings

You can control cookies through your browser settings, but disabling them may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any information.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website and updating the "Last updated" date.

State-Specific Privacy Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising privacy rights

European Union Residents (GDPR)

EU residents have rights under the General Data Protection Regulation (GDPR), including data portability, the right to be forgotten, and the right to lodge complaints with supervisory authorities.