Privacy Policy

Privacy Policy

Last Updated: January 2025

This Privacy Policy explains how LoiNow.com (“LoiNow,” “we,” “us,” or “our”) collects, uses, shares, and protects your information when you access our website or submit a business-purpose loan inquiry.

LoiNow operates in accordance with:

• GLBA (Gramm-Leach-Bliley Act)
• FTC Privacy & Safeguards Rules
• CCPA & CPRA (California Consumer Privacy Laws)
• ADA Title III Accessibility Standards
• Applicable federal and state lending regulations

LoiNow does not originate consumer loans and does not target minors under 18.

1. Information We Collect

We collect the following categories of information:

A. Information You Provide

• Name, email, phone number
• Business entity details
• Property addresses and loan scenario information
• Uploaded documents (e.g., business financials, rehab budgets, construction plans)

B. Automatically Collected Data

When using our Site, we may collect:

• IP address
• Device and browser type
• Pages visited
• Session duration
• Cookies and tracking data
• Behavior analytics

C. Sensitive Information

We do not intentionally collect:

• Social Security numbers (unless voluntarily submitted for underwriting)
• Personal income statements for consumer purposes
• Banking credentials

All data voluntarily provided is handled under GLBA-level safeguards.

2. How We Use Your Information

We use your information to:

• Evaluate business-purpose loan requests
• Communicate about loan scenarios and underwriting
• Provide initial term sheets or LOIs
• Improve Site performance and security
• Detect fraud or unauthorized access
• Comply with regulatory or legal requirements

We never sell your personal information.

3. Legal Basis for Processing Information

We process data in accordance with:

• Legitimate business interest (evaluating loan scenarios)
• Contractual necessity (responding to loan inquiries)
• Regulatory compliance (GLBA, anti-fraud, recordkeeping laws)

4. Data Sharing & Third-Party Disclosures

LoiNow may share information with:

• Funding partners, capital providers, and underwriters
• Appraisal, title, escrow, and insurance vendors
• Fraud prevention and compliance partners
• Authorized IT and security vendors

We do NOT share information with:

• Data brokers
• Marketing companies
• Third parties for resale

All partners are required to maintain GLBA-compliant safeguards.

5. Your Privacy Rights (CCPA/CPRA)

If you are a California resident, you have the right to:

• Right to Know

Request what personal information we have collected.

• Right to Delete

Request deletion of eligible data.

• Right to Correct

Fix inaccurate or incomplete information.

• Right to Opt-Out of Sharing

We do not sell your data, but you may opt out of third-party sharing used for underwriting.

• Right to Limit Use of Sensitive Data

We do not use sensitive personal data for advertising or profiling.

Submit a request via:

📧 Loi@loinow.com

We will verify your identity before processing requests.

6. Cookies & Tracking Technologies

We use cookies for:

• Site functionality
• Session management
• Security and fraud detection
• Analytics (Google Analytics, server logs)

Users may disable cookies through their browser settings.

For full details, see our Cookie Policy page.

7. Data Security (GLBA Safeguards Rule)

LoiNow maintains industry-standard protections:

• AES-256 encryption
• HTTPS/TLS secure transmission
• Access-controlled data systems
• Multi-factor authentication
• Intrusion monitoring
• Regular vulnerability and compliance audits

No system is 100% secure, but LoiNow actively works to protect your information.

8. Data Retention

We retain information as required by:

• Federal lending recordkeeping laws
• GLBA Safeguards Rule
• State regulations
• Fraud-prevention standards

Loan inquiry data may be retained for up to 5–7 years for compliance.

9. Children’s Privacy

LoiNow does not collect data from individuals under 18.
Any such information submitted will be deleted.

10. Third-Party Links

Our Site may link to external tools or partners.
We are not responsible for:

• Their content
• Their privacy policies
• Security practices

Use third-party links at your own discretion.

11. International Users

LoiNow serves U.S. borrowers only.
If you are accessing our Site from outside the U.S., you consent to U.S. data laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically.
The “Last Updated” date will reflect changes.

Continued use of the Site means acceptance of the updated policy.

13. Contact Us

For questions, requests, or privacy concerns:

📧 Loi@loinow.com
🌐 https://LoiNow.com

Legal Disclaimer

Nothing in this Privacy Policy constitutes legal, financial, or tax advice.
Lending programs, underwriting guidelines, and requirements may change at any time.