Privacy Policy

1. Applicability and Third-Party Websites

This Privacy Policy applies only to the Learn Personal Loans website and services. Learn Personal Loans contains links to third-party websites, affiliate partners, and advertising networks. When you click on a recommendation, link, or advertisement, you may be directed to a third-party site that has its own privacy policy. This Privacy Policy does not govern the collection, processing, or storing of personal information by any third party. We encourage you to review the privacy policies of any third-party website you visit through links on our platform.

2. Information We May Collect

We, as well as third-party vendors, advertising networks, and supporting partners, use technologies such as cookies, web beacons, and analytics tools to collect a variety of types of information about you when you interact with our platform.

Personal Information

Information that can be used to identify you, such as your name, email address, and password if you create an account, or your email address when you subscribe to our newsletter. We may also collect this information when you submit feedback or communicate with us.

Demographic Information

Information that may or may not be unique to you, such as your zip code, age, gender, general interests, and shopping preferences. This information helps us personalize content recommendations.

Behavioral Information

Information automatically collected when you use our platform, including the pages you visit, content you view, search queries, your IP address, geographic location, browser type, operating system, referring URLs, and the times you access our site.

Third-Party Information

Information we acquire from third-party sources, which may include personal, demographic, behavioral, and indirect information. This may include first-party cookies, third-party cookies, anonymous identifiers, persistent identifiers, and search engine keywords. We have no access to or control over cookies and other tracking devices used by third parties, including advertisers, ad networks, internet service providers, data analytics providers, or social networks, and we have no responsibility or liability for the policies and practices of these parties.

Children's Information

We do not knowingly collect information from anyone under the age of 13. If we obtain actual knowledge that we have collected personal information about a person under the age of 13, that information will be immediately deleted from our systems.

3. How We Use Your Information

We use the information we collect in the following ways:

• Provide, operate, and maintain our website and services, including personalized recommendations.
• Improve, personalize, and expand our platform based on your usage patterns and preferences.
• Send you newsletters, updates, and communications you have subscribed to.
• Understand and analyze how you use our website to develop new features and functionality.
• Communicate with you about account-related matters, including customer service inquiries.
• Notify you of changes to our site, features, or policies.
• Find and prevent fraud or abuse of our services.
• For any other purpose disclosed at the time information is collected, or with your consent.

4. Disclosure of Your Information

We may disclose information that does not identify an individual without restriction. Personal information collected as described in this privacy policy may be disclosed:

• To our partners, affiliates, and subsidiaries who support our business operations.
• To fulfill the purpose for which you provide it.
• To our contractors, service providers, and third-party partners who assist in operating our platform (e.g., email delivery, hosting, analytics) and who are bound by data privacy and confidentiality obligations.
• To a buyer in the event of a merger, acquisition, restructuring, dissolution, or other transfer of assets, with notice to you.
• Where required by law, legal process, or to comply with government or regulatory requirements.
• To enforce our terms of use or protect the rights, safety, or property of Learn Personal Loans, our users, or the public.
• With your consent.

Learn Personal Loans does not sell your personal information to third parties for their direct marketing purposes. We are committed to complying with the CAN-SPAM Act (15 USC 7704) and related regulations. If you do not want to receive promotional emails, you may unsubscribe at any time.

5. Targeted Ads and Analytics Services

Third-party advertising and analytics companies may place advertisements on our behalf onto other websites, perform tracking and reporting functions, and place third-party advertisements on our website. These third parties may collect information about the websites you have viewed, advertisements you have interacted with, your IP address, date and time of interaction, your Internet Service Provider, and the browser you use. This information may be combined with personal information and used to deliver advertising relevant to your interests through email, social media, or other channels.

Learn Personal Loans participates in affiliate programs. When you click on a recommendation link and make a purchase on a third-party website, we may earn a commission at no additional cost to you. Affiliate tracking technologies may be used to attribute purchases to our referrals.

6. Cookies and Tracking Technology

Cookies and similar technologies are used by Learn Personal Loans to improve your experience, provide personalized content, and monitor marketing campaigns and communications. Cookies are small data files stored on your device that help us remember your preferences and understand how you use our site.

We use the following types of cookies:

• Essential Cookies: Required for basic site functionality, including session management.
• Analytics Cookies: Help us understand how visitors use our site so we can improve performance and content.
• Affiliate Cookies: Used to attribute purchases made through our recommendation links to our referrals.
• Preference Cookies: Remember your settings and preferences for future visits.

While some cookies terminate when you close your browser, others may remain on your device until deleted. You can manage cookie settings through your browser preferences.

7. Your Choices

You have several choices regarding how your information is collected and used by Learn Personal Loans:

• You may choose not to provide us with personal information when visiting our site; however, certain features may not be available without it.
• You can manage your communication preferences at any time.
• You can unsubscribe from all marketing emails at any time.
• Your browser may allow you to decline cookies from our website. Please note that some features may not function without cookies.

8. California Residents — Your Privacy Rights

If you are a California resident, the California Consumer Privacy Act (“CCPA”) provides you with specific rights regarding your personal information.

Right to Know

You have the right to request that we disclose to you what categories and specific pieces of personal information we have collected about you. You may submit a verifiable consumer request by emailing us at privacy@learnpersonalloans.com with “CCPA Request” in the subject line.

Right to Delete

You have the right to request the deletion of your personal information collected in the past 12 months. You may submit this request by emailing privacy@learnpersonalloans.com with “CCPA Request” in the subject line.

Right to Opt-Out of Sale

You have the right to opt out of any sale of your personal information. Learn Personal Loans does not sell personal information to third parties.

Right to Non-Discrimination

You have the right not to receive discriminatory treatment for exercising your CCPA privacy rights.

Response Timing

We make every effort to respond to a verifiable consumer request within forty-five (45) days of receipt. If we require additional time (up to 90 days), we will inform you of the reason and extension period in writing.

9. Notice to Non-US Users

Learn Personal Loans is published in the United States and intended primarily for US users. If you are located outside the United States, you should be aware that your personally identifiable information will be transferred to the United States. If you voluntarily submit personally identifiable information to us, you consent to the general use of such information as provided in this Privacy Policy and to the transfer and storage of that information in the United States.

10. Children's Privacy

Learn Personal Loans is committed to upholding the privacy of children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will delete that information promptly. If you believe we have inadvertently collected information from a child under 13, please contact us at privacy@learnpersonalloans.com.

11. Data Security

We take our responsibility to secure the information we collect and maintain seriously. We implement industry-standard security measures, including technical, physical, and administrative controls, to protect your data. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

12. Changes to This Privacy Policy

Learn Personal Loans reserves the right to change or update this Privacy Policy at any time. The updated policy will be applicable from the “Last updated” date shown at the top of this page. We encourage you to review this policy periodically.

13. Contact Us

If you have questions about this Privacy Policy, your personal data, or wish to exercise any of your privacy rights, please contact us at privacy@learnpersonalloans.com.

See also our Terms of Use.