Online Loans in Arizona
Effective Date: August 19, 2025
Last Updated: August 19, 2025
1. Overview
Online Loans in Arizona (“we,” “us,” “our,” or “the Company”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you use our website and loan application services.
Important Notice: We are a loan connection service that helps Arizona residents apply for loans from direct lenders. We do not directly lend money or make credit decisions. We connect consumers with potential lenders who may offer loan products.
By using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.
2. Information We Collect
2.1 Personal Information You Provide
When you apply for loan assistance through our service, we may collect:
- Contact Information: Name, address, phone number, email address
- Financial Information: Income details, employment information, bank account information
- Identification Information: Social Security number, date of birth, driver’s license number
- Loan Information: Requested loan amount, loan purpose, financial needs
- Arizona-Specific Information: Arizona residency verification, local address confirmation
2.2 Information Collected Automatically
When you visit our website, we automatically collect certain information:
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Information: Pages visited, time spent on site, click patterns, referral sources
- Location Information: General geographic location (city/state level) based on IP address
- Technical Information: Screen resolution, browser settings, enabled plugins
2.3 Information from Third Parties
We may receive information about you from:
- Credit reporting agencies and verification services
- Identity verification providers
- Marketing partners and referral sources
- Social media platforms (if you choose to connect)
- Public records and databases
3. How We Use Your Information
3.1 Primary Uses
We use your personal information for the following purposes:
- Loan Matching: To connect you with potential lenders who may offer suitable loan products
- Application Processing: To process and submit your loan applications to direct lenders
- Verification: To verify your identity, income, and other application information
- Communication: To contact you about your application, loan offers, and related services
- Customer Service: To provide support and respond to your inquiries
3.2 Secondary Uses
- Website Improvement: To analyze usage patterns and improve our services
- Marketing: To send you information about relevant financial products (with your consent)
- Fraud Prevention: To detect and prevent fraudulent applications and activities
- Legal Compliance: To comply with applicable laws and regulations
- Analytics: To understand user behavior and optimize our Arizona-focused services
4. Sharing Your Information
4.1 Sharing with Lenders
Primary Purpose: We share your loan application information with potential lenders who may be able to provide you with loan products. This is the main purpose of our service.
When you submit a loan application, we may share your information with:
- Licensed direct lenders serving Arizona residents
- Tribal lenders offering alternative lending products
- Specialized lenders (federal employee lenders, title loan companies, etc.)
- Lending networks that may connect you with additional lenders
4.2 Service Providers
We may share information with trusted service providers who help us operate our business:
- Identity and income verification services
- Credit reporting and scoring services
- Technology providers and website hosting services
- Marketing and analytics providers
- Customer service and support providers
4.3 Legal Requirements
We may disclose your information when required by law or to:
- Comply with legal processes, court orders, or government requests
- Protect our rights, property, or safety
- Investigate fraud or security issues
- Comply with Arizona state regulations and federal laws
4.4 Business Transfers
In the event of a merger, acquisition, or sale of our business, your information may be transferred to the new entity, subject to the same privacy protections.
5. Data Security
5.1 Security Measures
We implement industry-standard security measures to protect your personal information:
- Encryption: All sensitive data is encrypted during transmission using SSL/TLS technology
- Secure Servers: Data is stored on secure servers with restricted access
- Access Controls: Limited employee access on a need-to-know basis
- Regular Monitoring: Continuous monitoring for security threats and vulnerabilities
- Secure Disposal: Proper disposal of information when no longer needed
5.2 Data Protection Standards
We maintain data protection standards that include:
- Regular security audits and assessments
- Employee training on data protection practices
- Incident response procedures for potential data breaches
- Compliance with applicable data protection regulations
5.3 Limitations
While we implement strong security measures, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.
6. Your Privacy Rights
6.1 Access and Control
You have the following rights regarding your personal information:
- Access: Request to see what personal information we have about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal requirements)
- Opt-Out: Opt out of marketing communications and certain data sharing
- Portability: Request a copy of your information in a portable format
6.2 Marketing Communications
You can opt out of marketing communications by:
- Clicking the “unsubscribe” link in emails
- Contacting us directly using the information below
- Updating your preferences in your account (if applicable)
6.3 Do Not Sell
We do not sell your personal information to third parties for their own marketing purposes. When we share information with lenders, it is to help you obtain loan products you have requested.
7. Cookies and Tracking Technologies
7.1 Types of Cookies
We use several types of cookies and similar technologies:
- Essential Cookies: Required for website functionality and security
- Analytics Cookies: Help us understand how visitors use our website
- Marketing Cookies: Used to deliver relevant advertisements
- Preference Cookies: Remember your settings and preferences
7.2 Managing Cookies
You can control cookies through your browser settings, but disabling certain cookies may affect website functionality. Most browsers allow you to:
- View and delete cookies
- Block cookies from specific sites
- Block third-party cookies
- Set preferences for cookie acceptance
8. Third-Party Services
8.1 External Links
Our website may contain links to third-party websites, including lender websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
8.2 Third-Party Tools
We may use third-party analytics and marketing tools, including:
- Google Analytics for website analytics
- Social media plugins and widgets
- Marketing automation platforms
- Customer service chat tools
9. Data Retention
9.1 Retention Periods
We retain your personal information for different periods based on the purpose:
- Application Data: Retained for the duration of the application process and up to 7 years for legal compliance
- Marketing Data: Until you opt out or we no longer have a legitimate business need
- Website Analytics: Typically 26 months or as required by analytics providers
- Customer Service Records: Up to 3 years for quality assurance and training
9.2 Deletion
We securely delete or anonymize personal information when it is no longer needed, unless retention is required by law.
10. Children’s Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.
If you are a parent or guardian and believe your child has provided personal information to us, please contact us immediately.
11. Arizona Residents
11.1 Arizona-Specific Rights
As an Arizona resident, you may have additional privacy rights under Arizona state law. We comply with all applicable Arizona privacy and consumer protection regulations.
11.2 Arizona Lending Laws
We operate in compliance with Arizona lending and consumer protection laws, including proper licensing requirements for any direct lending activities and adherence to Arizona’s consumer privacy protections.
11.3 State Regulations
Our data practices comply with Arizona Revised Statutes regarding consumer privacy and financial services, ensuring your information is handled according to state requirements.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:
- Update the “Last Updated” date at the top of this policy
- Post the revised policy on our website
- Notify you of significant changes via email or website notice
- Provide additional notice as required by law
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.
13. Contact Information
Privacy Questions and Requests
If you have questions about this Privacy Policy or want to exercise your privacy rights, please contact us by email [email protected].
Response Time
We will respond to privacy requests within 30 days of receipt. For complex requests, we may extend this period by an additional 30 days with notice.
Verification
To protect your privacy, we may need to verify your identity before responding to requests about your personal information.
Important Reminder
Loan Connection Service: Online Loans in Arizona is a loan connection service. We help Arizona residents apply for loans from direct lenders but do not make loans ourselves. When you submit an application through our service, your information may be shared with potential lenders who can provide loan products.
Read Lender Policies: Each lender has their own privacy policy and terms. Please review these carefully before accepting any loan offers.
This Privacy Policy is effective as of the date listed above and governs our collection, use, and disclosure of your personal information.