SmallBalanceLoans.com ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and share the information you provide to us through our website and subdomains.
1. Information We Collect
We may collect or have access to the following types of information through our website or associated third-party services:
- Contact Information: such as name, email address, or phone number when voluntarily submitted via Zoho Forms or similar contact tools.
- Technical Data: such as IP address, browser type, and operating system, collected automatically through providers like Cloudflare.
- Usage Information: such as pages visited, time spent, and general interactions with our website or subdomains.
Information Not Collected
SmallBalanceLoans.com does not collect or store any sensitive financial information such as credit details, property data, loan amounts, or income information. When you click on a loan offer or "Apply" link, you are redirected to a third-party lender's secure website, where any personal or financial data is collected under that lender's privacy policy.
2. How We Collect Information
- Form Submissions: Information you voluntarily provide via Zoho Forms or other embedded forms.
- Automated Collection: Technical and usage data automatically collected via Cloudflare, Google Analytics, or similar technologies.
- Cookies and Tracking Technologies: Set and managed primarily by third-party providers (see Section 9).
3. How We Use Your Information
We use collected information to:
- Respond to inquiries and provide services.
- Manage community or informational engagement on our subdomains.
- Ensure the security and performance of our website and related services.
- Comply with applicable legal and regulatory obligations.
- Perform internal analytics and service improvements.
We do not use your information to make credit decisions or process loan applications. All lending-related data collection occurs directly on the lender's platform.
4. Advertising and Referral Disclosure
- SmallBalanceLoans.com may receive a fixed referral or marketing fee when users visit or engage with a lender's website through our links. These fees are paid solely for marketing and advertising exposure and do not represent a commission, brokerage, or loan-origination activity.
- We do not influence, participate in, or determine any loan approvals, terms, or outcomes. All financial interactions occur exclusively between you and the third-party lender.
- We do not sell personal information as defined by applicable U.S. privacy laws, including the California Consumer Privacy Act (CCPA).
5. User Responsibility
- Before entering any personal or financial information on a third-party lender's site, you are encouraged to review that company's Terms of Use and Privacy Policy to understand how your information will be handled.
- Your use of third-party websites or services accessed through our platform is at your own discretion and subject to those third parties' practices.
6. Sharing of Information
We may share limited data under the following circumstances:
- With service providers (such as Zoho, Cloudflare, and website-hosting vendors) for operational purposes.
- With lenders and financial service providers in connection with user-initiated financial inquiries (see Section 15).
- In response to lawful legal requests (see Section 18).
- In the event of a business transfer (see Section 10).
7. Data Security
- We rely solely on established third-party providers such as Zoho and Cloudflare for data protection and encryption.
- We do not implement additional independent security systems beyond those provided by these vendors.
8. Data Retention
- We retain personal or contact information only as long as necessary for our business purposes or as required by law.
- Information related to marketing referrals or analytics may be stored in aggregated, non-identifiable form for statistical analysis.
9. Third-Party Services and Cookies
Our services rely on several third-party providers that may set cookies or tracking technologies, including but not limited to:
- Zoho (form submissions and CRM management)
- Cloudflare (security and performance)
- Google Services (Maps, Fonts, Analytics)
- Website hosting providers
We do not set our own tracking cookies. You can manage or disable cookies directly through your browser settings (see Section 16).
10. Business Transfers
In the event of a merger, acquisition, or similar restructuring, user information may be transferred as part of that transaction, provided that the receiving entity continues to honor this Privacy Policy or a substantially similar version thereof.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The most current version may be posted on this page with the effective date noted above.
12. Visitors from California and the European Union
- We do not specifically target individuals in California or the European Union. However, residents of these regions may still access our site.
- If you are covered by privacy laws in those jurisdictions and wish to exercise applicable rights, please contact us, and we will respond as appropriate under relevant law.
13. Children's Privacy
- Our services are not directed toward individuals under 13 years of age.
- We do not knowingly collect personal data from children. If we learn that such data has been inadvertently collected, it will be promptly deleted.
14. International Data Transfers
- Your information may be transmitted to or stored on servers operated by third-party providers (including Zoho, Cloudflare, and website-hosting vendors) located in various jurisdictions.
- We do not control the geographic storage locations or international data-transfer policies of these providers.
15. Sharing with Broker-Dealers and Private Lenders
- We may share limited, non-sensitive information with lenders and financial service providers to facilitate legitimate business inquiries initiated by users.
- These entities are required to use such data solely for lawful purposes and must maintain confidentiality consistent with applicable law.
16. Managing Cookies and Tracking Preferences
You can manage or disable cookies through your browser:
For information on ad tracking and opt-out tools, see Section 17.
17. Interest-Based Advertising, Google Ads, and Do Not Track
We may use Google or similar advertising platforms for remarketing or interest-based advertising. Users can opt out through:
At this time, our website does not respond to "Do Not Track" (DNT) signals from browsers.
18. Disclosure for Legal Requests and Investigations
We may disclose personal information as required by law or when we believe such disclosure is necessary to:
- Comply with subpoenas, court orders, or other legal processes.
- Cooperate with law enforcement or regulatory authorities.
- Prevent fraud, protect safety, or enforce our legal rights.
19. Legal Basis for Processing (International Visitors)
If you are accessing this website from outside the United States, we rely on one or more of the following legal bases for processing your information:
- Your consent when you voluntarily submit information.
- Our legitimate interest in responding to inquiries and improving our services.
- Compliance with legal obligations.
20. Email Communication and Opt-Out Rights
- If you contact us or subscribe to updates, we may use your email address to respond or provide information related to your inquiry.
- You may request to stop receiving communications at any time by contacting us at the address below or by following any opt-out instructions contained in our messages.
- We do not send unsolicited marketing emails.
21. Contact Us
If you have questions or concerns regarding this Privacy Policy or our privacy practices, you may contact us at:
Email: privacy@smallbalanceloans.com
Please note that we may not be able to respond to all inquiries individually.