Privacy Policy

LoanPro ("we", "our", "us") operates this credit simulator as an estimation tool. This Privacy Policy explains how we handle your data and comply with U.S. laws.

1. Information We Collect

We do not collect personal information such as name, email, SSN, financial history, or device identifiers. Inputs used in simulations remain local in your browser and are never transmitted to us.

2. Estimation Disclaimer

Results are only estimates. They do not constitute offers, commitments, or actual loan terms. Users must consult financial institutions for precise numbers.

3. Cookies & Tracking

We do not use cookies, analytics, or third-party trackers. You can browse anonymously.

4. Sharing and Disclosure

Since no personal data is collected or stored, we do not share, sell, or disclose any user information to third parties.

5. Legal Compliance

• CalOPPA: privacy policy clearly posted, even without PII collection
• GLBA: written privacy notice requirement, even if no info collected
• FTC Fair Info Practices: notice, choice, access, security principles
• CCPA/CPRA: no sale of personal data; rights preserved even if no data collected

6. Data Security

All simulation calculations run locally. No data is transmitted or stored on servers. However, your browser and device remain responsible for overall security.

7. Children

Our service is not directed at children under 13. We do not knowingly collect data from minors in compliance with COPPA.

8. Changes to This Policy

This policy is effective as of June 11, 2025. We may update this annually or as required. Continued use implies acceptance.

9. Contact

For questions or concerns, please email: support@loanpro.example.com

10. Data Retention

We do not collect or store any user data, so no data retention policies are required. Any data entered during simulations is automatically discarded when you close or refresh your browser.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices. Users are encouraged to review each external site's policy before sharing any personal data.

12. Your Rights

You retain all rights under applicable laws, including the right to know what data is collected, to access or delete such data, and to opt out of its sale. Since we collect no data, these rights are automatically respected.

13. International Users

This service is intended for use in the United States. If you are accessing the site from other regions with different data protection laws, please note that we do not process or transfer any personal data across borders.

14. Accessibility

We strive to make our services accessible to all users, regardless of ability. If you experience any barriers while using our platform, please contact us so we can improve your experience.

15. Contacting Us

You may contact us by email at support@loanpro.example.com. We currently do not offer phone or chat support for privacy-related inquiries.