Privacy Policy

01Information We Collect

When you visit loansbearslending.com or submit a loan-matching application, we collect the following categories of information:

Personal & Contact Information

• Full name, email address, telephone number
• Date of birth and Social Security Number (for verification only)
• Mailing address and state of residence
• Employer name and employment status

Financial Information

• Monthly income amount and pay frequency
• Bank account routing and account numbers
• Existing debt obligations (when self-reported)

Device & Usage Information

• IP address, browser type, operating system
• Pages visited, time on site, referring URLs
• Cookies, web beacons, and similar tracking technologies

02How We Use Your Information

We use the information we collect strictly for the following purposes:

• Matching you with appropriate licensed lenders in our network
• Verifying your identity and preventing fraud
• Communicating with you about your application and account
• Improving our website, services, and matching algorithms
• Complying with applicable legal and regulatory obligations

We will never use your data to send unsolicited marketing from third parties or sell your information to advertisers.

03How We Share Your Information

With Lenders in Our Network

When you submit a loan application, we share your relevant information with licensed lenders in our network who are most likely to approve your request. You will only be matched with lenders you've consented to be contacted by.

With Service Providers

We work with trusted third-party service providers (cloud hosting, identity verification, fraud detection) who are contractually obligated to protect your data and use it only to provide services to us.

For Legal Compliance

We may disclose your information when required by law, court order, or government request, or to protect our rights, property, or the safety of others.

04Your Privacy Rights

Depending on your state of residence (especially California, Colorado, Connecticut, Virginia, and Utah), you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct inaccurate or incomplete data
• Deletion: Request that we delete your personal information (subject to legal exceptions)
• Opt-out: Opt out of the sale or sharing of your personal information
• Non-discrimination: Receive equal service and pricing regardless of your privacy choices

To exercise any of these rights, please contact us using the methods listed in Section 9. We will respond to verifiable requests within 45 days.

05Data Security

We take the security of your information seriously and have implemented industry-standard safeguards including:

• 256-bit SSL/TLS encryption on all data in transit
• AES-256 encryption for data at rest
• SOC 2 Type II compliant infrastructure
• Multi-factor authentication for employee access
• Regular security audits and penetration testing
• Strict access controls and employee training

While no system is 100% secure, we continuously work to ensure your data remains protected.

06Cookies & Tracking Technologies

Our website uses cookies and similar technologies to remember your preferences, analyze site usage, and improve your experience. You can control or disable cookies through your browser settings, though some features of our site may not function properly without them.

We do not use third-party advertising cookies. We do use analytics cookies (such as Google Analytics) to understand how our site is used, with IP addresses anonymized where possible.

07Children's Privacy

Loans Bear is intended for adults aged 18 and older (19 in some states). We do not knowingly collect personal information from anyone under the age of 18. If we become aware that we have collected personal information from a child, we will delete it promptly.

08Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the revised policy on this page and update the "Last Updated" date at the top. Continued use of our services after changes constitutes your acceptance of the updated policy.

09Contact Us

If you have any questions about this Privacy Policy or want to exercise your privacy rights, you can reach us:

• By email: [email protected]
• Through the contact form on our website
• By mail: Loans Bear Privacy Team, [Mailing Address]

We aim to respond to all privacy inquiries within one business day.