Effective Date: September 22, 2025
Last Updated: September 22, 2025
1. Introduction
Welcome to Online Loans in Utah (“we,” “our,” or “us”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our loan services. By using our website and services, you consent to the data practices described in this policy.
2. Information We Collect
2.1 Personal Information
We collect personal information that you voluntarily provide to us when you:
- Apply for a loan through our website
- Create an account with us
- Contact us for customer service
- Subscribe to our communications
This information may include:
- Full name and date of birth
- Social Security number
- Driver’s license number and state of issuance
- Home and mailing addresses
- Phone numbers (mobile and landline)
- Email addresses
- Employment information and income details
- Bank account information
- Financial information and credit history
2.2 Automatically Collected Information
When you visit our website, we automatically collect certain information about your device and usage, including:
- IP address and geographic location
- Browser type and version
- Operating system
- Pages visited and time spent on pages
- Referring website
- Device identifiers
- Cookies and similar tracking technologies
2.3 Information from Third Parties
We may obtain information about you from third-party sources, including:
- Credit reporting agencies
- Identity verification services
- Employment verification services
- Bank account verification services
- Marketing partners and affiliates
- Public records and databases
3. How We Use Your Information
We use your personal information for the following purposes:
3.1 Loan Processing and Services
- Processing and underwriting loan applications
- Verifying your identity and financial information
- Making lending decisions
- Funding approved loans
- Managing loan accounts and payments
- Collections activities for delinquent accounts
3.2 Legal and Regulatory Compliance
- Complying with federal and Utah state lending laws
- Meeting regulatory reporting requirements
- Preventing fraud and identity theft
- Conducting risk assessments
- Maintaining records as required by law
3.3 Communication and Customer Service
- Responding to your inquiries and requests
- Providing customer support
- Sending loan-related notifications
- Marketing our products and services (with your consent)
- Improving our website and services
3.4 Business Operations
- Analyzing website usage and user behavior
- Conducting research and analytics
- Managing our business operations
- Protecting our rights and property
4. Information Sharing and Disclosure
We may share your personal information in the following circumstances:
4.1 Lending Partners and Service Providers
We work with a network of licensed lenders and may share your information with:
- Direct lenders who may fund your loan
- Loan brokers and referral partners
- Third-party service providers who assist with loan processing
- Identity and income verification services
- Credit reporting agencies
4.2 Legal Requirements
We may disclose your information when required by law or in response to:
- Court orders, subpoenas, or legal process
- Government investigations or regulatory requests
- Law enforcement inquiries
- Compliance with Utah Department of Financial Institutions requirements
4.3 Business Transfers
In the event of a merger, acquisition, or sale of our business, your information may be transferred to the acquiring entity.
4.4 Consent-Based Sharing
We may share your information with your explicit consent for specific purposes.
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of sensitive data in transit and at rest
- Secure server infrastructure and firewalls
- Access controls and authentication protocols
- Regular security audits and assessments
- Employee training on data protection practices
However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your website experience and collect usage information. Types of cookies we use include:
- Essential Cookies: Necessary for website functionality
- Analytics Cookies: Help us understand website usage patterns
- Marketing Cookies: Used for targeted advertising and personalization
You can manage cookie preferences through your browser settings, but disabling certain cookies may affect website functionality.
7. Your Privacy Rights
Depending on your location, you may have certain rights regarding your personal information:
7.1 Access and Correction
- Request access to the personal information we hold about you
- Request correction of inaccurate or incomplete information
7.2 Deletion
- Request deletion of your personal information, subject to legal and regulatory requirements
7.3 Opt-Out Rights
- Unsubscribe from marketing communications
- Opt out of certain data sharing practices
- Disable non-essential cookies
7.4 California Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know about personal information collected and sold, and the right to delete personal information.
8. Utah-Specific Provisions
As a Utah-based lending platform, we comply with Utah privacy and lending laws, including:
- Utah Consumer Credit Code
- Utah Check Cashing and Deferred Deposit Lending Registration Act
- Utah Title Lending Registration Act
- Utah Department of Financial Institutions regulations
Utah residents may contact the Utah Department of Financial Institutions at (801) 538-8830 with privacy concerns related to financial services.
9. Third-Party Links
Our website may contain links to third-party websites. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party sites you visit.
10. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately.
11. International Users
Our services are primarily intended for U.S. residents, particularly those in Utah. If you access our website from outside the United States, your information may be transferred to and processed in the United States, where privacy laws may differ from your jurisdiction.
12. Data Retention
We retain your personal information for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements
- Resolve disputes and enforce our agreements
- Maintain business records as required
Specific retention periods vary based on the type of information and applicable legal requirements. Financial records are typically retained for at least seven years as required by federal and state regulations.
13. Marketing Communications
We may send you marketing communications about our loan products and services. You can opt out of marketing communications by:
- Clicking the unsubscribe link in email communications
- Contacting us directly at the information provided below
- Updating your communication preferences in your account settings
Please note that even if you opt out of marketing communications, we may still send you service-related communications about your loan account.
14. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will:
- Post the updated policy on our website
- Update the “Last Updated” date
- Notify you of significant changes via email or website notice
Your continued use of our services after any changes constitutes acceptance of the updated Privacy Policy.
15. Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us by email [email protected].
16. Effective Date and Acknowledgment
This Privacy Policy is effective as of the date listed above. By using our website and services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.
Important Notice: This privacy policy is designed to comply with federal privacy laws and Utah state regulations. However, privacy laws are complex and subject to change. We recommend consulting with legal counsel for specific privacy compliance requirements.