Effective Date: [Month Day, Year]
Last Updated: [Month Day, Year]
This Privacy Policy explains how [Organization Legal Name] ("we," "our," or "us") collects, uses, shares, and protects personal information when you use our services, website, and messaging program.
1) Scope
This policy applies to:
- Our website and web application
- Loan intake and borrower management workflows
- Email and SMS notifications, including reminders and account updates
2) Information We Collect
We may collect:
- Contact information: name, phone number, email address, mailing address
- Account and loan information: payment schedules, check details, transaction records
- Communication preferences: SMS opt-in status, opt-out status, preferred contact channel
- Support and activity data: message logs, delivery status, timestamps, and basic system diagnostics
3) How We Use Information
We use information to:
- Provide and operate our loan and payment services
- Send service-related messages (for example: payment reminders, deposit notices, or bounced-check notices)
- Maintain account records and communication history
- Improve reliability, prevent abuse, and meet legal obligations
4) SMS Program Privacy Terms
When you opt in to SMS:
- We use your phone number to send service-related text messages.
- Message frequency varies based on account activity.
- Message and data rates may apply per your mobile carrier plan.
- You can reply STOP to opt out and HELP for help.
- SMS consent is stored with audit details (such as timestamp and source) for compliance.
5) Sharing of Information
We may share data with trusted service providers that help us run the service, such as:
- Cloud hosting and database providers
- Email and SMS delivery vendors
- Payment and operational service providers
We only share data as needed to provide the service, secure the platform, and satisfy legal requirements.
6) No Sale of Personal Information / SMS Consent
- We do not sell personal information.
- We do not share SMS consent (phone numbers or opt-in data) with third parties or affiliates for their marketing purposes.
7) Data Retention
We keep personal information for as long as needed to:
- Provide services
- Maintain financial and audit records
- Meet legal, tax, and regulatory requirements
- Resolve disputes and enforce agreements
When data is no longer needed, we delete or de-identify it according to our retention policies.
8) Security
We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, or alteration.
No security method is perfect, but we continually review and improve our controls.
9) Your Choices and Rights
Depending on your location, you may have rights to:
- Access or correct your personal information
- Request deletion (subject to legal and operational limits)
- Change communication preferences, including SMS opt-out
To make a request, contact us using the details below.
10) Children's Privacy
Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.
11) Changes to This Policy
We may update this Privacy Policy from time to time. We will post the updated version with a new "Last Updated" date.
12) Contact Us
[Organization Legal Name]
Email: [privacy@yourdomain.com]
Phone: [Support Phone Number]
Mailing Address: [Mailing Address]
