Privacy Policy – Loan Credit USA

Effective Date: December 23, 2025

This Privacy Policy explains how Loan Credit USA (“we,” “us,” “our”) collects, uses, shares, and protects personal information when you visit our website, apply for credit access services, communicate with us, or otherwise use our services.

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1) Who We Are

Loan Credit USA operates as a Credit Access Business (“CAB”) in Texas and may assist consumers in obtaining a loan from a third-party lender. This Privacy Policy applies to information we handle in connection with our website and services.

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2) Information We Collect

We may collect the following categories of information, depending on how you interact with us:

• Identifiers & Contact Info: name, email address, phone number, mailing address, date of birth.
• Application & Eligibility Info: employment, income information, residency information, and similar details you provide.
• Banking & Payment Info: bank account details used for authorization and payment processing, including returned-payment indicators.
• Identity Verification Info: information used to confirm identity and reduce fraud risk (including information collected through verification tools).
• Communications: emails, call notes, support inquiries, and message history.
• Device/Online Activity: IP address, browser type, device identifiers, pages viewed, timestamps, and similar usage data.
• Cookies & Tracking Data: cookies or similar technologies used for website functionality, analytics, and security.

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3) How We Use Information

We use personal information to:

• Provide and administer our CAB services and website features;
• Process requests, applications, and support inquiries;
• Verify identity, validate banking information, and prevent fraud;
• Send service communications (including account notifications and payment reminders);
• Improve our website, customer experience, and security controls;
• Comply with legal, regulatory, and recordkeeping obligations; and
• Enforce our agreements and protect our rights and the rights of others.

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4) How We Share Information

We may share personal information in the following circumstances:

• With third-party lenders (or their authorized servicers) when necessary to facilitate or administer the loan you request.
• With service providers that support our operations (for example: hosting, security, analytics, customer support tools, payment processing, and verification services). These providers are expected to use information only to perform services for us.
• For legal and compliance reasons such as responding to lawful requests, court orders, regulatory inquiries, or to protect against fraud and security threats.
• In connection with a business transaction (such as a merger, acquisition, financing, or sale of assets), subject to appropriate safeguards.

We do not share personal information except as described above, or as otherwise permitted or required by law.

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5) SMS Privacy (Required Disclosure)

Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.

If you opt in to receive SMS messages, we may send account notifications and service-related messages. Message and data rates may apply. Message frequency will vary. You can opt out at any time by replying STOP, or reply HELP for more information.

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6) Cookies and Online Analytics

We may use cookies and similar technologies to keep our site working, help prevent fraud, remember preferences, and understand how visitors use our site. You can control cookies through your browser settings. Some site features may not function properly if cookies are disabled.

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7) Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no method of transmission or storage is 100% secure. You are responsible for keeping your login credentials (if any) confidential.

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8) Data Retention

We retain personal information for as long as reasonably necessary to provide services, maintain business records, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary depending on the type of information and the purpose for which it was collected.

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9) Your Texas Privacy Rights

Depending on your circumstances and subject to legal exceptions, you may have rights under Texas privacy law to request access to, correction of, or deletion of certain personal information, and to opt out of certain processing (such as targeted advertising, where applicable).

To submit a request, contact us using the information in Section 1. We may need to verify your identity before responding.

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10) Children’s Privacy

Our services are not intended for children under 18. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided us information, contact us and we will take appropriate steps.

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11) Financial Privacy Notices

Certain financial privacy laws may require specific privacy notices and disclosures depending on the role of the parties and the type of information processed. Where required, we will provide any applicable notices in connection with your transactions or upon request.

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12) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make changes, we will post the updated version on this page and update the Effective Date.

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13) Contact Us

Questions about this Privacy Policy? Contact us:
Phone: (XXX) XXX-XXXX
Email: INFO@LOANCREDITUSA.COM