Privacy Policy

1. Introduction

Welcome to MyUSA Loan ("we," "our," or "us"). We are committed to protecting your privacy and handling your personal information with care, transparency, and respect. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website or use our loan matching services.

By using our website, you agree to the collection and use of your information as described in this policy. If you disagree with any part of this policy, please do not use our services. MyUSA Loan is not a direct lender — we connect borrowers with third-party lenders who have their own privacy policies.

2. Information We Collect

We collect information you provide directly to us, as well as information collected automatically when you use our services:

• Personal Identification: Name, date of birth, Social Security Number (for lender matching purposes), government ID information.
• Contact Information: Email address, phone number, mailing address, and zip code.
• Financial Information: Annual income, employment status, credit score range, loan amount requested, loan purpose, and property details.
• Technical Data: IP address, browser type, device identifiers, pages visited, time spent on site, and referring URLs collected via cookies and analytics tools.
• Communications: Records of your communications with our support team, including emails and phone call records.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To match you with appropriate lenders in our network based on your loan profile.
• To communicate with you about your application status, loan offers, and account activity.
• To improve our platform, identify technical issues, and enhance user experience.
• To send you educational content, newsletters, and promotional materials (you can opt out at any time).
• To comply with legal obligations, prevent fraud, and enforce our Terms of Service.
• To analyze usage patterns and develop new features and services.

4. Data Sharing

We do not sell your personal information to third-party advertisers or data brokers. We may share your information in the following limited circumstances:

• Lender Network: We share your loan application data with lenders in our network for the purpose of generating loan offers. Each lender has its own privacy policy and data practices.
• Service Providers: We work with trusted technology partners (e.g., cloud hosting, email platforms, analytics) who process data on our behalf under strict confidentiality agreements.
• Legal Requirements: We may disclose information when required by law, court order, or government authority.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction.

5. Cookies Policy

Our website uses cookies and similar tracking technologies to improve functionality and analyze usage. Types of cookies we use include:

• Essential Cookies: Required for basic site functionality such as form submissions and page navigation.
• Analytics Cookies: Help us understand how visitors interact with our site (e.g., Google Analytics).
• Marketing Cookies: Used to track the effectiveness of our advertising campaigns.

You can control cookie preferences through your browser settings. Disabling certain cookies may affect functionality. We use a cookie consent banner on first visit to give you control over non-essential cookies.

6. Data Security

We implement industry-standard security measures to protect your personal information, including 256-bit SSL/TLS encryption for data transmission, encrypted storage for sensitive fields, access controls limiting who can view personal data, regular security audits and vulnerability assessments, and employee training on data handling best practices.

While we take every reasonable precaution, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but commit to promptly notifying you of any data breach that affects your information.

7. Your Rights

Depending on your state of residence, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal data, subject to certain legal exceptions.
• Opt-Out: Opt out of marketing communications at any time using the unsubscribe link in emails.
• Data Portability: Request your data in a portable, machine-readable format.
• California Residents: You have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt out of the sale of personal information.

To exercise any of these rights, please contact us using the information in Section 8.

8. Contact for Privacy Concerns

If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact our Privacy Team:

9. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will notify you by email (if you have an account) or by posting a prominent notice on our website.

The "Last Updated" date at the top of this policy reflects the most recent revision. Your continued use of our services after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.