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Privacy Policy

How we collect, use, and protect your personal information.

Last Updated: January 1, 2024

1. Introduction

12monthsloansbadcredit.com ("we," "our," or "us") is operated by 12MonthsLoans LLC. This Privacy Policy explains how we collect, use, disclose, and protect information you provide when you visit our website or submit a loan request through our platform. By using our website, you consent to the data practices described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide Directly

When you submit a loan request, we collect personal information including but not limited to:

  • Full name, date of birth, and Social Security Number (SSN)
  • Home address, email address, and phone number
  • Employment information, income details, and employer contact
  • Bank account and routing numbers for direct deposit
  • Government-issued identification information

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

  • IP address and approximate geographic location
  • Browser type, version, and operating system
  • Pages visited, time spent on pages, and navigation paths
  • Cookies, web beacons, and similar tracking technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

  • To connect you with participating lenders in our network
  • To verify your identity and prevent fraudulent activity
  • To communicate with you about your loan request and related services
  • To send you marketing communications (with your consent)
  • To improve our website, services, and user experience
  • To comply with legal obligations and regulatory requirements

4. Sharing of Your Information

4.1 Participating Lenders

When you submit a loan request, your information is shared with lenders in our network who may be able to offer you a loan. These lenders are independent third parties and have their own privacy policies.

4.2 Service Providers

We may share information with vendors and service providers who assist us in operating our website and providing services, including analytics providers, email service providers, and fraud prevention services.

4.3 Marketing Partners

With your consent, we may share your information with marketing partners who may contact you with relevant financial product offers. You can opt out of this sharing at any time.

4.4 Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or if we believe disclosure is necessary to protect our rights or the safety of others.

5. Data Security

We implement industry-standard security measures to protect your personal information, including 256-bit SSL encryption for data transmitted through our website. However, no method of transmission over the Internet is 100% secure.

6. Your Rights and Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

  • Access: Request access to the personal information we hold about you
  • Correction: Request correction of inaccurate information
  • Deletion: Request deletion of your personal information, subject to legal exceptions
  • Opt-Out: Opt out of the sale or sharing of your personal information
  • Non-Discrimination: The right not to be discriminated against for exercising your privacy rights

To exercise any of these rights, contact us at 12monthsloansbadcredit@maillin.me or visit our Do Not Sell page.

7. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your data, and the right to opt out of the sale of your information. Visit our Do Not Sell My Personal Information page to exercise these rights.

8. Children’s Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Material changes will be posted on this page with an updated effective date. Your continued use of our website after changes are posted constitutes your acceptance of the updated policy.

10. Contact Us

  • Email: 12monthsloansbadcredit@maillin.me
  • Mail: 12MonthsLoans LLC, Attn: Privacy, 1234 Financial Blvd Suite 500, Las Vegas, NV 89101
  • Phone: 1-800-555-0192