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How it worksFAQPrivacy PolicyTerms
How it worksFAQPrivacy PolicyTerms

Privacy Policy

Our Commitment to Your Privacy

At Online US Loans, we understand the importance of privacy and are dedicated to protecting your personal information. This Privacy Policy outlines our practices regarding the collection, use, and disclosure of information when you use our website and services. We want you to feel confident and secure while interacting with us, knowing that your privacy is our top priority.

Age and Residency Requirements

Online US Loans is intended for use by individuals who are 18 years of age or older and legal residents of the United States, United Kingdom, or Canada. By accessing our website and utilizing our services, you acknowledge and agree to comply with the terms of this Privacy Policy. If you do not meet the age and residency requirements or do not agree with the terms outlined here, we kindly request that you refrain from using our website and services.

Protection and TRUSTe Privacy Seal Program

We take your privacy seriously and have implemented measures to safeguard your information. Online US Loans proudly participates in the TRUSTe Privacy Seal Program. TRUSTe is an independent organization focused on advancing privacy and trust on the web. As a member, we uphold stringent privacy standards and undergo monitoring by TRUSTe's team of privacy specialists. If you have any questions or concerns regarding our Privacy Policy, please reach out to our support team. In the unlikely event that your concerns are not addressed to your satisfaction, you may contact TRUSTe, who will act as a liaison between you and Online US Loans to resolve the matter.

Notification of Privacy Policy Updates

Online US Loans may update this Privacy Policy to reflect changes in our information practices. We reserve the right to modify this Privacy Policy at any time. In the event of any material changes to our information practices, we will revise this policy accordingly. We encourage you to review this policy whenever you access our website or use our services to ensure you are aware of the most current version.

Collection of Personally Identifiable Information

We collect and combine both personally identifiable information (PII) and non-personally identifiable information (Non-PII) from various sources. PII includes data that can be used to identify, contact, or locate an individual, such as your name, address, email address, phone number, social security number, and other relevant details. Non-PII, on the other hand, does not identify you personally and includes information like your ZIP code, gender, age, or IP address.

Our Use of Information

Online US Loans collects and retains information about you to effectively communicate with you, process your requests for products and services, and provide information about financial services that may be of interest to you. We prioritize the security and confidentiality of your information, using it only for the purposes outlined in this Privacy Policy.

Third-Party Disclosures

We may obtain information about you from third parties, such as credit reports, demographic information, and other relevant sources. It's important to note that we do not pull a credit bureau report on customers without their permission. We may also share your information with trusted affiliates, partners, and service providers to fulfill your requests, offer superior service, and inform you about product and service opportunities that align with your interests.

Cookies and Tracking Technologies

To enhance your experience on our website, Online US Loans uses cookies and similar tracking technologies. Cookies are small data files stored on your device that help us recognize you and customize your interactions with our site. You have the option to accept or decline cookies, but please note that certain features may be limited if cookies are disabled. We utilize cookies solely for the purposes of improving our service and tailoring our offerings to better meet your needs.

Third-Party Links

Online US Loans may include links to third-party websites for your convenience and reference. However, please be aware that we are not responsible for the privacy practices of these external sites. We encourage you to review the privacy statements of any website that collects personally identifiable information. This Privacy Policy applies solely to information collected by Online US Loans.

Security Measures

We employ a range of security technologies and procedures to safeguard your personal information from unauthorized access, use, or disclosure. Our systems are housed in controlled facilities with limited access, and we use encryption protocols, such as the Secure Socket Layer (SSL) protocol, when transmitting highly confidential data over the internet.

Your Rights and Choices

At Online US Loans, we believe in empowering you to make informed decisions about your personal information. You have the right to opt-out or opt-in to receiving communications from us and our partners. To remove your information from our database or unsubscribe from future communications, please follow the instructions provided in our email communications or contact our support team. We respect your choices and strive to provide a seamless and hassle-free experience.

Protecting Minors' Privacy

Online US Loans does not knowingly collect information from children under the age of 18. We do not use children's information for any purpose, including marketing and promotional activities. If you become aware that a child under the age of 18 has provided us with their personally identifiable information, please contact us immediately, and we will promptly remove the information from our records.

Your Privacy, Our Priority

We understand that your privacy is essential, and we take pride in maintaining the confidentiality and security of your information. While we cannot guarantee absolute protection against unforeseen circumstances, we continuously strive to uphold the highest standards of privacy and security practices. We are committed to earning your trust and providing you with a positive experience throughout your journey with Online US Loans.

Please note that the provided content is a starting point and should be customized to align with your specific privacy policies and requirements. If you require further assistance or have any additional requests, please feel free to reach out to us.

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Disclosure & Range of Annual Percentage Rate (APR) for Qualified Customers: At Online US Loans, we prioritize transparency and responsible lending. The Annual Percentage Rate (APR) represents the annual interest charged to borrowers and includes associated fees and costs. Due to our extensive network of lenders, we cannot guarantee a specific APR, as it varies based on the lender and your unique circumstances. Generally, APRs for loans can range between 5.99% and 35.99%. It is crucial to carefully review the loan agreement provided by the lender for precise APR and repayment terms.

Representative Examples of APR, Total Loan Costs & Fees for Qualified Customers: To provide insight into potential loan terms, here are representative examples of APR, monthly payments, and total amounts paid for various loan amounts and terms:

  1. For a $1,000 loan with a 12-month repayment term, the APR is 29.82%, resulting in a monthly payment of $94.56 and a total amount paid of $1,134.72.

  2. For a $2,000 loan with a 12-month repayment term, the APR is 24%, resulting in a monthly payment of $189.12 and a total amount paid of $2,269.44.

  3. For a $4,000 loan with a 24-month repayment term, the APR is 12%, resulting in a monthly payment of $188.29 and a total amount paid of $4,518.96.

Financial Implications (Interest & Finance Charges): As a loan matching service, we do not set the specific fees and interest rates for your loan. It is essential to thoroughly review the loan agreement provided by your lender, which will include comprehensive information about the loan's associated costs. Before proceeding, ensure that you fully understand and accept the terms. Our loan matching service is free, and you are under no obligation to accept any offers presented by the lender.

Late or Non-Payment Implications: By accepting the terms and conditions of a personal loan, you commit to repaying the loan amount and any applicable interest within the specified timeframe outlined in the loan agreement. Failure to meet these obligations, including late payments, may result in additional charges. Please review your lender's late, partial, and non-payment policies as detailed in the loan agreement. It is crucial to collaborate with reputable lenders who handle past-due accounts fairly and reasonably.

Potential Impact to Credit Score: Our lenders may conduct credit checks to assess your creditworthiness. It is important to note that missed payments or late payments can negatively affect your credit score. To maintain a healthy credit history, manage your loan responsibly and make timely payments.

Collection Practices: Online US Loans is not involved in the debt collection process, as we are not a lender. Your lender will outline specific debt collection practices in the loan agreement. We exclusively collaborate with reputable lenders who adhere to fair collection practices.

Legal Disclaimer: Online US Loans connects borrowers with lenders or lending partners, and the terms and conditions of the specific lender or lending partner will govern any loan you select. Displayed APRs, loan amounts, and other loan details are estimations and may vary based on the lender or lending partner and your individual circumstances. We are not lenders, loan brokers, or agents. We do not make credit decisions or broker loans. Any information you submit through our website will be shared with lenders or lending partners. Please carefully review the terms provided by the lender before accepting any loan offers.

Availability and Material Disclosure: Personal loan lenders operate under distinct rules and regulations in each state. Consequently, your loan amount, APR, and repayment terms may vary based on your location, creditworthiness, and the lender or lending partner. We are not affiliated with any specific lender, and our advertising referral service connects you with lenders that may offer loans ranging from $500 to $10,000.

Loan Renewal Policies: Loan renewal options may not always be available. We recommend reviewing the renewal policy outlined by your lender before signing the loan agreement.

Important Disclosures. Please Read Carefully: Individuals experiencing serious financial difficulties should explore alternative options or seek professional financial advice.

This website is not an offer to lend. OnlineUSLoans.com is not a lender or lending partner and does not make loan or credit decisions. OnlineUSLoans.com connects individuals with lenders or lending partners from its network of approved lenders and lending partners. OnlineUSLoans.com does not control or take responsibility for the actions or inactions of any lender or lending partner. We are not an agent, representative, or broker of any lender or lending partner and do not endorse any lender or lending partner. OnlineUSLoans.com may receive compensation from its lenders and lending partners. Our service is always free to you. In certain cases, you may have the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and specific federal laws, exempt from state laws, including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require dispute resolution in a tribal jurisdiction. We urge you to read and understand the terms of any loan offer, whether from a tribal or state-licensed lender, and reject any offer that you cannot afford to repay or find unacceptable.

This service may not be available in all states. If you request connection to a lender or lending partner in a state where such loans are prohibited or in a location where OnlineUSLoans.com lacks an available lender or lending partner, you will not be connected. We encourage you to read and understand the terms of any loan offer from lenders and lending partners, rejecting any offer that you cannot afford to repay or find unacceptable.

By submitting your information via this website, you authorize OnlineUSLoans.com and its partners to conduct a credit check, which may include verifying your social security number, driver license number, or other identification, as well as reviewing your creditworthiness. Credit checks are typically performed by major credit bureaus such as Experian, Equifax, TransUnion, Teletrack, DP Bureau, or others. You also authorize OnlineUSLoans.com to share your information and credit history with a network of approved lenders and lending partners.

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