Legal
What we collect, why we collect it and who gets to see it. Written so you can read it in about five minutes.
Updated October 1, 2026
The short version
If you read nothing else, read these four lines.
We collect what we need to find you a loan, and nothing more.
We never sell your personal information.
Lenders only see your file after you choose them.
You can ask for a copy of your data, or ask us to delete it.
Template note: this is sample text for a US loan broker. Replace it with your own and have a lawyer review it before you publish.
01
What we collect
We collect information you give us and information we get when you use this site.
Contact details, like your name, email, phone number and address.
Loan details, like the amount, the purpose and the home or vehicle.
Money details, like your income, debts, job and bank statements, when you apply.
Credit information from a credit bureau, only after you agree to a credit check.
Site data, like pages viewed, device type and rough location, collected with cookies.
02
How we use it
We use your information to:
Answer your questions and match you with loan options.
Prepare your application and send it to the lenders you choose.
Meet legal duties, like checking your identity and keeping records.
Fix problems and make our site and tools better.
Send rate alerts or news, only if you ask for them.
04
Cookies and analytics
Cookies are small files your browser keeps. We use them to keep the site working, remember your choices in Loan Studio and learn which pages are useful.
You can block cookies in your browser settings. The site still works, but some tools may forget your settings.
05
How long we keep it
We keep application records for at least three years after your loan closes or your application ends, because the law requires it.
We delete or anonymize other information when we no longer need it.
06
Your choices
You can always:
Ask for a copy of the information we hold about you.
Ask us to fix anything that is wrong.
Ask us to delete your information, unless the law says we must keep it.
Stop marketing emails at any time with the unsubscribe link.
Some states, like California, give people extra privacy rights. We honor them for every client, wherever you live.
07
How we protect it
Your documents are encrypted when they are sent and when they are stored. Only your advisor and the people who process your loan can open your file.
Every member of our team completes privacy training each year.
08
Children and changes
Our services are for adults. We do not knowingly collect information from anyone under 18.
If we change this policy, we will update the date at the top of this page. If a change is important, we will email clients before it takes effect.
Questions about your data?
Email our privacy team. We reply within five business days.