Privacy Policy

This Privacy Policy describes how SortMyLoan.com ("SortMyLoan," "we," "us," or "our") collects, uses, shares, and protects information about you when you visit our website (sortmyloan.com) and use our loan-matching service. By using our website or services, you consent to the practices described in this Policy.

1. About SortMyLoan

SortMyLoan operates a loan-matching service that connects U.S. consumers with a network of third-party lenders and lending partners. We are not a lender. We do not make credit decisions, originate loans, or determine loan terms. Our role is to receive your loan request and share your information with lenders in our network who may extend offers to you.

SortMyLoan is operated by an entity organized under the laws of the State of Delaware, United States.

2. Information We Collect

2.1 Information You Provide Directly

When you submit a loan request through our website, we collect:

• Contact information: full name, email address, phone number, mailing address
• Identity information: date of birth, Social Security number, driver's license number and issuing state (when provided)
• Employment and income information: employer or income source, employer phone, time at employer, monthly income, pay frequency, next pay date
• Banking information: bank routing number, bank account number, account type, time at bank, direct-deposit status
• Loan request details: requested loan amount, loan purpose, requested credit score range, existing debt
• Residence information: residential status, time at current address
• Consent records: the consents you grant during application, including TCPA, E-SIGN, Privacy Policy, Terms of Use, Credit Authorization, and FCRA Written Instructions

2.2 Information We Collect Automatically

When you visit our website, we automatically collect:

• IP address, browser type, operating system, device type
• Pages visited, time spent on each page, referring URL
• Date and time of visit
• Cookies and similar tracking technologies (see Section 7)
• Form interactions and step-by-step funnel progress (used to optimize the application experience)

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Lending partners in our network — including whether they extended you an offer, their decision, and the outcome of any loan you may have accepted
• Service providers who help us verify the information you submit (e.g., bank verification services, identity verification providers)
• Analytics providers such as Google Analytics
• Advertising partners who may share information about how you found us

3. How We Use Your Information

We use the information we collect to:

• Provide our loan-matching service — sharing your information with lenders in our network so they can determine whether to extend offers to you
• Communicate with you about your loan request, including by phone, email, and SMS where you have consented
• Verify your identity and the accuracy of information you provide
• Detect and prevent fraud, security threats, and other unlawful activity
• Comply with applicable laws and respond to legal requests
• Improve our website, services, and user experience
• Analyze how our website is used (in aggregate, anonymized form where reasonably possible)
• Send marketing communications about our service or related products, where you have consented

4. How We Share Your Information

Sharing your information with lenders and lending partners is how the SortMyLoan service works. We share your information with:

4.1 Lenders and Lending Partners

When you submit a loan request, we share your application information with lenders and lending partners in our network so they can determine whether to extend an offer. Each lender's use of your information is governed by their own privacy policy, which you should review before accepting any offer.

4.2 Service Providers

We share information with service providers who help us operate our business, including: hosting providers, analytics providers, customer support tools, identity verification services, fraud detection services, and email/SMS communication providers. These service providers are contractually required to use your information only to provide the service we have engaged them for.

4.3 Legal and Safety

We may disclose your information when required by law, in response to a subpoena or other legal process, to comply with regulatory or government investigations, to protect our rights or property, to enforce our Terms of Use, or to protect the safety of others.

4.4 Business Transfers

If SortMyLoan is involved in a merger, acquisition, asset sale, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

4.5 With Your Consent

We may share your information for any other purpose with your consent.

5. Your Privacy Rights

Depending on the state you reside in, you may have the following rights with respect to your personal information:

• Right to Know. Request information about the personal information we collect, use, and share.
• Right to Delete. Request that we delete personal information we collect about you, subject to certain exceptions.
• Right to Correct. Request that we correct inaccurate personal information about you.
• Right to Opt Out of Sale or Sharing ("Do Not Sell or Share My Personal Information"). Direct us to stop sharing your information with lenders and other third parties for cross-context behavioral advertising.
• Right to Limit Use of Sensitive Personal Information. Direct us to limit our use of sensitive personal information to specified purposes.
• Right to Non-Discrimination. You will not receive discriminatory treatment for exercising your privacy rights.

To exercise any of these rights, visit our Privacy Rights page or email us at info@sortmyloan.com. We will respond to verifiable requests within 45 days, as required by law (and we acknowledge receipt within 15 business days).

5.1 California Residents (CCPA / CPRA)

California residents have specific rights under the California Consumer Privacy Act and the California Privacy Rights Act. In addition to the rights above, California residents have the right to receive a copy of the specific pieces of personal information we hold about them, including the categories of sources from which personal information was collected, the business or commercial purposes for collecting or selling personal information, and the categories of third parties with whom we share personal information.

We do not knowingly sell the personal information of consumers under 16 years of age without affirmative opt-in.

5.2 Other State Privacy Laws

Residents of Colorado, Connecticut, Virginia, Utah, Texas, Florida, Oregon, Montana, Iowa, Indiana, Tennessee, Delaware, and other states with comprehensive privacy laws have rights similar to those described above. To exercise these rights, use the same process described in Section 5.

5.3 Global Privacy Control (GPC)

We honor the Global Privacy Control (GPC) browser signal as an opt-out of the sale or sharing of personal information under the CCPA/CPRA. If your browser sends the GPC signal when you visit our site, we treat that as an opt-out request for that browser session.

6. Data Security

We use industry-standard security measures to protect your personal information, including:

• 256-bit Transport Layer Security (TLS/SSL) for data in transit
• Encryption at rest for sensitive fields including Social Security numbers, driver's license numbers, and bank account information using AES-256-GCM encryption
• Strict access controls — only authorized personnel can access sensitive information, and all access is logged and audited
• Regular security reviews and updates

No security system is impenetrable, however, and we cannot guarantee the absolute security of your information. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to make our website work, analyze how it is used, and improve your experience. Categories of cookies we use:

• Essential cookies — required for the website to function (e.g., to save your application progress between steps)
• Analytics cookies — help us understand how visitors interact with our site (e.g., Google Analytics, configured to anonymize IP addresses and disable cross-device tracking and advertising personalization)
• Functional cookies — remember your preferences

You can control cookies through your browser settings. Disabling certain cookies may affect your ability to use parts of our website.

8. Children's Privacy

Our service is not directed to individuals under 18 years of age. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from a person under 18, we will delete that information promptly.

9. Data Retention

We retain your personal information for as long as needed to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. Specific retention periods:

• Active loan request data: retained for 90 days from submission, then archived
• Consent records: retained for at least 4 years to satisfy TCPA and other regulatory requirements
• Privacy rights requests: retained for at least 24 months as required by law
• Financial transaction records: retained for at least 7 years as required by federal recordkeeping rules

10. Marketing Communications

If you have consented to receive marketing communications from us, you can opt out at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Replying STOP to any marketing SMS
• Emailing us at info@sortmyloan.com

Opting out of marketing communications does not affect transactional communications about your loan request or our service.

11. Third-Party Links

Our website may contain links to third-party websites, including lenders and lending partners. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party website you visit.

12. International Users

Our service is intended for U.S. residents only. If you access our website from outside the United States, please be aware that your information will be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date at the top of this page and may notify you by email or through a prominent notice on our website. Continued use of our service after a change constitutes acceptance of the updated Policy.

14. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us:

• Email: info@sortmyloan.com
• Mail: SortMyLoan, [REVIEW: insert full registered business address before launch], State of Delaware, United States

To exercise privacy rights or submit a Do Not Sell / Do Not Share request, please use our Privacy Rights form.