Privacy Policy

OneStop Loans · Last updated: [DATE]

Sample / template for review. This is a starting draft for a micro-finance / consumer-lending business. It is not legal advice. Replace the bracketed fields and have qualified counsel review it before publishing.

This Privacy Policy explains how OneStop Loans ("we," "us," or "our"), collects, uses, shares, and protects information about you when you visit our website, contact us, or apply for or use our loan products and services.

1. Information we collect

Information you provide

Identity & contact: name, address, phone number, email, date of birth, and government-issued identification.
Financial: income, employment, bank account and routing numbers, and, for title loans, vehicle information.
Application: the loan amount, purpose, and supporting documents you submit.

Information collected automatically

Device and usage data such as IP address, browser type, pages visited, and referring links, collected through cookies and similar technologies.

Information from third parties

Credit reports and scores from consumer reporting agencies, identity-verification and fraud-prevention services, and information needed to process payments.

2. How we use your information

To evaluate applications, verify identity and income, and make lending decisions.
To service loans, process payments (including ACH), and manage your account.
To send account notifications, including by text message where you have opted in.
To prevent fraud, comply with law, and enforce our agreements.

3. How we share your information

We may share information with service providers who work on our behalf (payment processors, verification and hosting providers), with consumer reporting agencies, and as required by law or to protect our rights. We do not sell your personal information.

Required text-messaging statement

Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.

4. Your choices

Text messages: reply STOP to opt out or HELP for help at any time. See our Text & Email Consent page.
Cookies: you can control cookies through your browser settings.
Access & corrections: contact us to review or update your information.

5. Data security & retention

We use administrative, technical, and physical safeguards designed to protect your information, and we retain it only as long as needed for the purposes described here or as required by law.

6. Children's privacy

Our services are intended for adults 18 and older. We do not knowingly collect information from children.

7. Changes to this policy

We may update this policy from time to time. Material changes will be posted here with a new "last updated" date.

8. Contact us

OneStop Loans
199 Blossom St, Suite A, Webster, TX 77598
Phone: (281) 332-4848 · Email: apachefal@gmail.com