Privacy Policy

Loansfax ("Loansfax," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your information across all our lead generation services. By using our website, forms, or services, you consent to the practices outlined below.

1. Scope and Overview

This Privacy Policy applies to visitors and users of any Loansfax-owned website, form, or landing page, including those hosted through third parties. We operate as a marketing and lead distribution platform, not a lender or financial institution. We collect personal and financial data to match consumers and business owners with relevant service providers in the following industries:

• Business Loans
• Personal Loans
• Debt Relief (Consumer & Business)
• Credit Repair
• Mortgage & Refinance
• Insurance (Health, Life, Auto, etc.)

Loansfax recognizes the eleven (11) broad categories of personal information referenced in the California Consumer Privacy Act (CCPA) that a business may collect about a consumer. In particular, Loansfax has collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Examples	Collected
A. Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card 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.	YES
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.	YES
D. Commercial information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
E. Biometric information	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information.	NO
F. Internet or other similar network activity	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	YES
G. Geolocation data	Physical location or movements.	YES
H. Sensory data	Audio, electronic, visual, thermal, olfactory, or similar information.	NO
I. Professional or employment-related information	Current or past job history or performance evaluations.	YES
J. Non-public education information	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other personal information	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	YES

Personal information does not include publicly available information from government records, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA's scope.

2. Information We Collect

We may collect the following categories of information:

• Personal Identifiers: Full name, email, phone number, address
• Financial Information: Business revenue, SSN, EIN, credit score range, loan purpose, bank account information
• Demographic Data: Age, state of residence, business type
• Device & Usage Info: IP address, browser type, time zone, cookies, session tracking
• Consent Metadata: Timestamp, form ID, browser ID, consent version text

3. How We Use Your Information

We use the data you provide to:

• Match you with service providers that align with your needs
• Verify identity and eligibility for financial services
• Facilitate contact from Loansfax and/or selected partners
• Send follow-up emails, texts, and calls (if you consented)
• Retarget you through ads on Meta, Google, and other platforms
• Improve our services and prevent fraud
• Analyze usage patterns and optimize user experience

4. How We Share Your Information

By submitting your information, you consent to us sharing it with:

• Lenders, brokers, insurers, and financial service providers
• Service providers (e.g., CRM platforms, analytics, suppression tools)
• Affiliate or sub-broker partners working under contract with us

We do not sell your information without your consent. Sharing is done solely to deliver the service you requested.

The table below describes how we have disclosed this information in the past 12 months:

Categories of personal information	Categories of third parties to whom this information was disclosed	Categories of third parties to whom this information was sold/shared
Identifiers	Hosting and IT services providers, data analytics providers, and customer care service providers	Social media networks and marketing and advertising providers; 3rd party data purchasers/service providers from whom consumers are seeking services
Sensitive Personal Information (e.g., bank account information and social security number)	Hosting and IT services providers and payment processors	3rd party data purchasers/service providers from whom consumers are seeking services
Internet or other electronic network activity information	Data analytics providers, hosting and IT services providers, and customer care service providers	Social media networks and marketing and advertising providers
Geolocation information	Data analytics providers, hosting and IT services providers, and order fulfillment service providers	Social media networks and marketing and advertising providers
Inferences regarding preferences or other characteristics	Data analytics providers, hosting and IT services providers	Social media networks and marketing and advertising providers
Audio, Visual or Similar Information	Hosting and IT services providers, data analytics providers, service providers who assist with fraud or loss prevention, and customer care service providers	We do not sell or share.

We have disclosed Personal Information for the following commercial/business purposes in the preceding 12 months:

• To provide the services you have registered for on our website.
• To provide you with information, products, or services that you request from us, or resolve consumer concerns, or request to opt-out of marketing.
• To provide you with notices concerning our products, services, events, or news, that may be of interest to you.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.
• To improve our website, products, and services, and present its contents to you including testing, research, analysis, and product/service development.
• To maintain the safety, security, and integrity of our website, platforms, as well as products and services, databases, and other technology assets, and business.
• To respond to government or law enforcement requests and as required by applicable law, court order, or governmental regulations.
• To evaluate or conduct a merger, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our business or assets.
• As described to you when collecting your Personal Information or as otherwise permitted under applicable law.

We have sold or shared Personal Information in the preceding 12 months to personalize your website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our website, third-party sites, and via email or text message (with your consent, where required by law). We do not knowingly share or sell the Personal Information of anyone under the age of 16. We use Sensitive Personal Information (i.e., Social Security numbers) only for purposes expressly permitted under California law.

5. Your Consent to Communications (TCPA & CAN-SPAM)

Message/data rates may apply. Consent is not a condition of service. You can opt out at any time by clicking unsubscribe in emails or replying STOP to texts.

6. Your Rights and Choices (CCPA/CPRA & State Laws)

If you are a California resident or resident of another state with similar privacy laws, you have the following rights:

• Access: Request a copy of the data we hold on you
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of the sale or sharing of your personal information
• Correction: Correct inaccurate information
• Limit Use: Limit the use of sensitive personal data

You can submit a request by emailing privacy@loansfax.com or completing our Data Request form. We will verify your identity and respond within 45 days. If we require additional time to process your request, up to a maximum total of ninety (90) days from the date the request is received, we will notify you of this and inform you of the reason for requiring the additional time.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

Verifiable Consumer Request Requirements

The verifiable consumer request must:

• Provide sufficient information that allows Loansfax to verify, to a reasonable degree of certainty, that you are the person about whom Loansfax collected personal information (or your authorized representative), which may include multi-factor authentication of identifying information provided by you. Such authentication may be conducted and verified independently or in combination with a comparison of personal information already maintained by Loansfax, if any; and
• Describe your request with sufficient detail that allows Loansfax to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us, but we must also be able to confirm the personal information relates to you. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Non-Discrimination

We will not discriminate against you for exercising any of your rights as described above. Unless permitted by the law, Loansfax will not:

• Deny you goods or services
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties
• Provide you a different level or quality of goods or services
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services

7. Use of Cookies and Online Tracking

We use cookies and tracking technologies including Meta Pixel and Google Analytics to:

• Understand how visitors use our sites
• Retarget visitors with relevant ads
• Measure ad performance
• Analyze user behavior and preferences
• Improve website functionality and user experience

You can manage cookie preferences through your browser or device settings or by directly updating through our website cookie banner.

8. Data Retention

We retain personal data:

• For up to 5 years for legal and compliance purposes (e.g., consent logs)
• For up to 24 months for marketing and re-engagement, unless you opt out
• In accordance with retention periods defined by law or contract

9. Data Security

We endeavor to safeguard and protect your information. We have security measures in place, including industry-standard encryption and access controls, to help protect against the loss, misuse, and alteration of personal information under our control. All form submissions are securely stored with encryption. Admin access is password-protected and restricted to key personnel.

10. No Services for Minors

We do not knowingly collect data from individuals under 18. If you believe a minor has submitted information, contact us immediately at privacy@loansfax.com.

11. Third-Party Websites

Our site may contain links to third-party sites. We are not responsible for their privacy practices. We encourage you to read the privacy policies of any third-party sites you visit.

12. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be posted on our website with the new effective date. We encourage you to review this Privacy Policy regularly to stay informed about how we are protecting your information.

13. Contact Us