Effective Date: September 24, 2025
Last Updated: September 24, 2025
At Loans with Spirit, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website or apply for loan services.
When you apply for a loan or use our services, we collect:
- Full name and contact details
- Social Security number
- Date of birth and age verification
- Employment information and income details
- Banking and financial account information
- Driver’s license or state ID information
Communication Information:
- Phone numbers and email addresses
- Correspondence and communication records
- Customer service interaction history
- Survey responses and feedback
Information We Collect Automatically
Website Usage Data:
- IP address and device information
- Browser type and operating system
- Pages visited and time spent on site
- Referring websites and search terms
- Cookies and similar tracking technologies
Application Process Data:
- Form completion progress
- Document upload information
- Verification attempt records
- System interaction logs
How We Use Your Information
We use your personal information to:
- Verify your identity and eligibility
- Assess creditworthiness and ability to repay
- Connect you with appropriate lenders
- Facilitate loan approval and funding decisions
Provide Customer Service:
- Respond to your questions and requests
- Provide account information and updates
- Resolve issues and handle complaints
- Send important service notifications
Business Operations
Legal and Compliance:
- Meet regulatory requirements and reporting obligations
- Prevent fraud and protect against security threats
- Enforce our terms of service and agreements
- Respond to legal requests and court orders
Marketing and Communications:
- Send promotional offers and product information
- Provide educational content about financial services
- Conduct market research and customer surveys
- Improve our website and service offerings
How We Share Your Information
With Lenders and Partners
Loan Network Partners:
- Licensed lenders in our network who may approve your loan
- Financial service providers who offer related products
- Verification services that confirm your information
- Payment processing companies that handle transactions
Service Providers:
- Technology companies that support our website and applications
- Customer service providers who assist with support
- Marketing companies that help with promotional activities
- Legal and professional service providers
Legal Requirements
We may share your information when:
Required by Law:
- Compliance with federal and state regulations
- Response to subpoenas, court orders, or legal processes
- Cooperation with law enforcement investigations
- Protection of our legal rights and interests
Business Transactions:
- Merger, acquisition, or sale of our business
- Transfer of assets or business operations
- Bankruptcy or insolvency proceedings
- Due diligence for potential business deals
Your Privacy Rights
Access and Control
Information Access:
- Request copies of personal information we have about you
- Review how your information has been used and shared
- Obtain details about our data collection practices
- Receive information in a portable format when possible
Information Control:
- Update or correct inaccurate personal information
- Request deletion of your personal information (subject to legal requirements)
- Opt out of marketing communications and promotional offers
- Withdraw consent for certain data uses where applicable
State-Specific Rights
California Residents (CCPA):
- Right to know what personal information is collected
- Right to delete personal information (with exceptions)
- Right to opt-out of sale of personal information
- Right to non-discrimination for exercising privacy rights
Other State Rights:
- Additional rights may apply based on your state of residence
- Contact us for information about your specific state rights
- We comply with all applicable state privacy laws
- Rights may vary based on local regulations
Data Security
Protection Measures
Technical Safeguards:
- Industry-standard encryption for data transmission and storage
- Secure servers with regular security updates and monitoring
- Multi-factor authentication for system access
- Regular security audits and vulnerability assessments
Administrative Controls:
- Employee training on data privacy and security
- Limited access to personal information on need-to-know basis
- Background checks for employees handling sensitive data
- Incident response procedures for potential security breaches
Physical Security:
- Secure facilities with controlled access
- Locked storage for physical documents
- Secure disposal of sensitive materials
- Environmental controls to protect equipment and data
Data Breach Response
If a security breach occurs, we will:
Immediate Response:
- Investigate and contain the breach promptly
- Assess the scope and impact of the incident
- Take steps to prevent further unauthorized access
- Document the breach and response actions
Notification Process:
- Notify affected individuals as required by law
- Report to regulatory authorities when necessary
- Provide clear information about the breach and response
- Offer assistance and resources to affected customers
Cookies and Tracking
Types of Cookies We Use
Essential Cookies:
- Required for website functionality and security
- Enable basic features like page navigation
- Remember your preferences during your visit
- Cannot be disabled without affecting site operation
Analytics Cookies:
- Help us understand how visitors use our website
- Collect information about popular pages and features
- Measure website performance and user experience
- Used to improve our services and content
Marketing Cookies:
- Enable personalized advertising and promotional content
- Track your interests and preferences across websites
- Help us measure the effectiveness of marketing campaigns
- May be placed by our advertising partners
Managing Cookies
Your Cookie Choices:
- Configure your browser to block or delete cookies
- Opt out of targeted advertising through industry tools
- Use browser privacy settings to control tracking
- Clear cookies and browsing data regularly if desired
Children’s Privacy
Age Restrictions
Minimum Age Requirements:
- Our services are not intended for individuals under 18 years old
- We do not knowingly collect information from minors
- Loan applications require verification of adult age
- Parents should monitor children’s online activities
COPPA Compliance:
- We comply with Children’s Online Privacy Protection Act
- We do not target advertising to children under 13
- We will delete information from minors if discovered
- We encourage parents to discuss online privacy with children
International Users
Limited International Services
Geographic Restrictions:
- Our loan services are available only to US residents
- Website access may be restricted in certain countries
- International visitors may view informational content only
- Data processing occurs primarily within the United States
Cross-Border Transfers:
- Personal information may be transferred to service providers globally
- We ensure appropriate safeguards for international data transfers
- We comply with applicable international privacy laws
- Users outside the US should review local privacy regulations
Third-Party Links
External Websites
Third-Party Connections:
- Our website may contain links to external sites
- We are not responsible for third-party privacy practices
- External sites have their own privacy policies and terms
- We recommend reviewing policies before providing information
Partner Services:
- Lenders and partners have separate privacy policies
- We encourage you to read their privacy notices
- We cannot control how partners use your information
- Your relationship with partners is subject to their terms
Changes to This Privacy Policy
Policy Updates
Notification of Changes:
- We may update this privacy policy periodically
- Material changes will be communicated clearly
- Updated policy will be posted on our website
- Continued use constitutes acceptance of changes
Review Recommendations:
- Check this policy regularly for updates
- Contact us with questions about policy changes
- Your rights and our commitments may evolve over time
- We strive to maintain transparency about our practices
Contact Information
Privacy Questions and Requests, State-Specific Contacts and General Customer Service: contact us by email [email protected].