Privacy Policy

1. Information We Collect

Liberty Loan US collects various types of information to provide you with the best possible service. Here's exactly what we gather and why:

Personal Information You Provide

When you complete our application or contact us, you voluntarily provide:

Identity Information: Full name, date of birth, Social Security number, driver's license number
Contact Information: Email address, phone number, mailing address
Financial Information: Income, employment status, bank account details, loan amount requested, loan purpose
Credit Information: Credit history, existing debts, payment history (obtained through soft credit inquiries only at application stage)
Communication Data: Messages you send us via email, chat, or phone

Information We Collect Automatically

Device Information: IP address, browser type, device type, operating system
Usage Data: Pages visited, time spent on site, links clicked, actions taken
Location Data: Approximate geographic location (not precise GPS coordinates)
Cookies & Tracking: Session identifiers, preferences, analytics data

Information from Third Parties

We may receive information about you from:

Credit Bureaus: Equifax, Experian, TransUnion (with your consent)
Financial Institutions: Your banks and creditors
Lenders: Partners in our network
Public Records: Court records, public databases

Important: We only perform soft credit inquiries on your initial application. These do not impact your credit score. Hard inquiries only occur if a lender partner initiates their own application process with your explicit consent.

2. How We Use Your Information

We use your information exclusively for legitimate business purposes. We never sell your data for marketing purposes.

Primary Uses

Service Delivery: Matching you with appropriate lenders based on your profile
Application Processing: Evaluating your eligibility and forwarding your information to matched lenders
Communication: Sending you updates, application status, and support responses
Verification: Confirming your identity and checking for fraud
Compliance: Meeting legal, regulatory, and FCRA requirements
Improvement: Analyzing trends to improve our service and user experience

Marketing & Analytics

We may use your information for:

Sending educational content about financial products (only if you've opted in)
Analyzing website traffic and user behavior (anonymized data only)
Conducting customer satisfaction surveys
Improving our platform functionality

Legal & Safety

We may disclose your information if required by law or to:

Comply with court orders, subpoenas, or legal processes
Detect and prevent fraud, security breaches, or illegal activity
Protect the rights and safety of our users and company
Enforce our terms and other agreements

3. Third-Party Sharing & Lenders

This is critical: When you apply through Liberty Loan US, you are authorizing us to share your information with vetted lenders in our network who may be a good match for your request.

Lender Data Sharing

Your information is shared with lenders only:

After you explicitly submit an application
With matched lenders most likely to approve your request
Under confidentiality agreements that require FCRA compliance
For the sole purpose of evaluating your loan eligibility

Your Control: You can withdraw your application before lenders conduct hard credit inquiries. Once a lender pulls your credit, they control that inquiry. Contact us immediately at support@libertyloanus.com to withdraw.

Service Providers

We may share limited information with trusted partners who help us operate:

Payment processors for transaction handling
Cloud hosting providers for data storage
Analytics platforms for usage insights
Customer support software for inquiries

All service providers are contractually bound to protect your data and use it only for specified purposes.

We Do NOT Share For Marketing

We absolutely do not:

Sell your data to third-party marketers
Share information with non-lending business partners
Allow data brokers to purchase your information
Rent or lease your contact information

4. Data Security & Protection

We employ industry-leading security measures to protect your personal and financial information.

Technical Safeguards

Encryption: All data transmitted to/from our servers uses TLS 1.2+ encryption
SSL Certificates: Your connection is secured with 256-bit SSL encryption
Firewalls: Advanced firewalls and intrusion detection systems monitor threats
Regular Audits: Third-party security audits conducted quarterly
Data Minimization: We store only information necessary for your service

Administrative Safeguards

Access controls limiting employee access to personal data
Multi-factor authentication for all employee accounts
Regular employee training on data protection and privacy
Background checks for all staff with data access
Non-disclosure agreements for all employees

Data Retention

We retain your information for as long as necessary to:

Provide our services and process your application
Maintain records required by law (typically 5-7 years)
Resolve disputes and enforce agreements
Comply with regulatory requirements

After this period, we securely delete or anonymize your data unless legal requirements require longer retention.

Data Breach Response

In the unlikely event of a security breach affecting your personal information, we will:

Notify affected individuals without unreasonable delay
Provide details of the breach and steps we're taking
Offer complimentary credit monitoring services
Cooperate fully with law enforcement if requested

5. Your Privacy Rights

Depending on your location, you may have specific rights regarding your personal information.

Universal Rights (Available to All Users)

Right to Access: Request a copy of all personal information we hold about you
Right to Correction: Update or correct inaccurate information
Right to Deletion: Request deletion of your data (with exceptions for legal compliance)
Right to Opt-Out: Unsubscribe from marketing communications anytime
Right to Data Portability: Request your data in a portable, machine-readable format

Exercising Your Rights

To exercise any of these rights, contact us at:

Email: privacy@libertyloanus.com

Mail: Liberty Loan US, Privacy Department, 8 The Green, Dover, DE 19901

Include "Data Subject Request" in your email subject line. We'll respond within 30 days with your requested information or explanation if we cannot comply.

Opting Out of Communications

You can unsubscribe from marketing emails by:

Clicking the "Unsubscribe" link in any marketing email
Logging into your account and adjusting notification preferences
Emailing us at support@libertyloanus.com

Please note: Opting out of marketing does not affect transactional emails about your application or account.

6. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience and gather analytics.

Types of Cookies We Use

Essential Cookies: Required for site functionality (login, security, navigation)
Performance Cookies: Collect data on site usage and performance
Functional Cookies: Remember your preferences and settings
Marketing Cookies: Track your interaction with ads (opt-in only)

Third-Party Analytics

We use Google Analytics to understand how visitors use our site. Google may collect:

Pages visited and time spent
Device and browser information
Approximate geographic location
Traffic source and user flow

This data is anonymized and used only to improve our website. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

Managing Cookies

Most browsers allow you to control cookies:

Delete cookies from your browser settings
Disable cookies entirely (note: some site features may not work)
Enable "Do Not Track" in your browser preferences
Use private/incognito browsing mode

7. CCPA & GDPR Compliance

We comply with major privacy regulations including the California Consumer Privacy Act (CCPA) and General Data Protection Regulation (GDPR).

California Residents (CCPA)

If you're a California resident, you have the right to:

Know what personal information we collect and how it's used
Delete your personal information (with exceptions)
Opt-out of the sale or sharing of your information
Non-discrimination for exercising your rights

We do not sell your personal information, and we do not discriminate against users who exercise their privacy rights.

EU Residents (GDPR)

If you're located in the EU/EEA, we process your data under:

Legal Basis: Legitimate interest (loan matching), contract (service delivery), consent (marketing)
Data Protection Officer: Available for inquiries at dpo@libertyloanus.com
Supervisory Authority: You have the right to lodge complaints with your national data protection authority
International Transfers: Any data transfers to the US include Standard Contractual Clauses

Submitting Privacy Requests

California and EU residents can submit formal requests for:

Access to personal information (copy)
Deletion of personal information
Opt-out of data sale/sharing

Submit requests to: privacy@libertyloanus.com with "CCPA Request" or "GDPR Request" in the subject line.

8. Contact & Data Requests

Questions about our privacy practices? We're here to help.

Privacy Team Contact

Email: privacy@libertyloanus.com
Phone: 1-800-555-LOAN (5626)
Mailing Address: Liberty Loan US, Privacy Department, 8 The Green, Dover, DE 19901
Data Protection Officer: dpo@libertyloanus.com

Data Request Procedure

To request a copy of your personal data:

Send an email to privacy@libertyloanus.com with your full name, email, and phone number
We'll verify your identity through a secure process
You'll receive your data within 30 days in a portable format (PDF or CSV)
This service is completely free

Policy Updates

We may update this privacy policy from time to time. When we do, we'll:

Post the updated policy on this page
Update the "Last Updated" date at the top
Notify you via email if material changes affect your rights
Require your consent to major changes before they take effect

Your Trust Matters: Privacy isn't a feature we add to Liberty Loan US — it's foundational to everything we do. We're transparent about our practices because we believe you deserve to know exactly how your data is being used. If you ever have concerns, please reach out. We're here to help.

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