1. Who We Are

QuickLoans4U ("we," "our," or "us") operates the website quickloans4u.com and provides short-term personal lending services. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website or apply for a loan.

2. Information We Collect

When you submit a loan application, we collect the following categories of information:

Category	Data Collected	Purpose
Identity	Full name, date of birth, citizenship status, government-issued ID type	Verify your identity and eligibility
Contact	Email address, phone number, mailing address	Communicate about your application and loan
Financial	Monthly income, housing payment, employment status, credit score range, bank name	Assess your ability to repay
Disbursement	Bank account details or Zelle contact (encrypted)	Send funds if approved
Documents	Government ID, paystubs, bank statements	Verify income and identity
References	Name, phone number, relationship of two personal references	Additional verification if needed
Technical	IP address, browser type, submission timestamp	Security, fraud prevention, compliance

3. How We Protect Your Data

We take the security of your personal information seriously and implement multiple layers of protection:

• Encryption in transit: All data transmitted between your browser and our servers is encrypted using TLS (HTTPS)
• Encryption at rest: Sensitive fields including your street address and bank details are encrypted using AES-256 before being stored in our database
• No plaintext storage: We never store Social Security Numbers, raw bank account numbers, or routing numbers in plain text
• Access controls: Only authorized loan officers with verified accounts can access application data
• Audit logging: Every access to your application data is recorded for compliance and security monitoring
• Secure file storage: Uploaded documents are stored outside of the public web directory and cannot be accessed directly via a URL

4. How We Use Your Information

We use the information you provide exclusively for the following purposes:

• Evaluating and processing your loan application
• Verifying your identity, income, and employment
• Communicating with you about your application status
• Disbursing approved loan funds to your account
• Collecting repayment of your loan
• Complying with applicable laws and regulations
• Detecting and preventing fraud

5. Information We Do NOT Collect

• We do not collect or store your full Social Security Number — only a verification token if identity verification is performed
• We do not run a hard credit inquiry without your explicit written consent
• We do not collect information from minors under 18
• We do not use tracking cookies or behavioral advertising

6. Information Sharing

We do not sell, rent, or share your personal information with third parties for commercial purposes. We may share your information only in the following limited circumstances:

• With your consent: If you explicitly authorize us to share your information
• Legal compliance: If required by law, court order, or government regulation
• Fraud prevention: To protect against fraudulent activity or unauthorized use of our services
• Service providers: We may use trusted third-party services (such as email delivery) to operate our platform — these providers are contractually prohibited from using your data for any other purpose

7. Data Retention

We retain your application data for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and resolve disputes. In general:

• Active loan applications are retained for the duration of the loan relationship
• Denied applications are retained for a minimum of 3 years for compliance purposes
• Uploaded documents are retained for the duration required by applicable lending regulations
• You may request deletion of your data by contacting us, subject to legal retention requirements

8. Your Rights

You have the following rights regarding your personal information:

• Access: You may request a copy of the personal information we hold about you
• Correction: You may request correction of inaccurate information
• Deletion: You may request deletion of your data, subject to legal retention requirements
• Opt-out: You may opt out of non-essential communications at any time

To exercise any of these rights, contact us at info@quickloans4u.com.

9. Cookies

Our website uses only essential session cookies required for security (CSRF protection) and login functionality. We do not use advertising cookies, tracking pixels, or third-party analytics tools that collect personal data.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected data from a person under 18, we will delete it immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our services after changes are posted constitutes acceptance of the updated policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your data, please contact us:

• Email: info@quickloans4u.com
• Website: quickloans4u.com