Privacy Policy
Effective date: January 1, 2024. We collect only what we need, protect what you share, and never sell your data — full stop.
What We Collect
We collect information you provide directly: your name, email, phone number, date of birth, income details, and banking information entered during the loan application process.
We also collect limited technical data — device type, browser, and IP address — solely to secure your session and detect fraud. We do not run advertising trackers.
How We Use Your Information
Your data is used exclusively to evaluate and process your loan application, verify your identity, comply with federal and state lending regulations, and communicate your approval status.
We may contact you by email or phone regarding your active application or account. You may opt out of non-essential communications at any time by contacting support.
We Never Sell Your Data
Your personal and financial information is never sold, rented, or traded to third-party marketers, data brokers, or lead aggregators. That is a firm policy, not a fine-print carve-out.
We may share limited data with regulated credit bureaus, fraud prevention services, and banking partners strictly as required to fund and service your loan — no broader distribution.
Your Rights
You may request access to the personal data we hold about you, ask us to correct inaccuracies, or request deletion of your records — subject to legal retention requirements.
California residents have additional rights under the CCPA, including the right to know, delete, and opt out of data sales. Submit a request at any time via our contact page.
Security Measures
All data is transmitted over 256-bit TLS encryption. Stored records are protected by access controls, audit logging, and regular third-party security assessments.
In the event of a data breach affecting your information, we will notify you within 72 hours as required by applicable law and provide clear guidance on next steps.
Cookies & Tracking
We use session cookies to keep your application secure while you complete it. We do not use third-party advertising cookies or cross-site behavioral tracking tools.
Policy Updates
We may update this policy to reflect changes in law or our practices. Material changes will be communicated by email to active account holders at least 14 days before taking effect.
Contact Our Privacy Team
Questions about this policy or your data rights? Reach us at support@speedyloanusa.com or visit our Contact page. We respond to all privacy inquiries within two business days.