Privacy Policy

1. Scope, Purpose, and Applicability

This Privacy Policy applies to information collected through our website, contact forms, customer support channels, legal request channels, and technical interactions associated with browsing and use of our services. It applies to information that can identify, describe, or reasonably be linked to an individual or household, as defined by applicable law.

This Privacy Policy does not govern third-party websites, lender or issuer platforms, affiliate properties with separate notices, or products and services that display different privacy terms. When you leave our platform or engage directly with a provider, the provider's privacy policies and contract terms apply to that relationship.

2. Categories of Personal Information Collected

Identifiers and Contact Data

We may collect name, email address, phone number, mailing address, account identifiers, and communication details submitted through forms or support requests.

Commercial and Preference Data

We may collect product interests, inquiry context, communication preferences, interaction history, and other data reflecting how users compare financial options.

Technical and Usage Data

We may collect IP address, browser type, device attributes, operating system, session timestamps, clickstream behavior, page interaction metrics, referral URLs, and diagnostic logs.

Security and Fraud Prevention Data

We may collect metadata used for abuse prevention, rate limiting, bot detection, request integrity checks, and suspicious activity monitoring.

3. Sources of Personal Information

• Directly from users through web forms, support submissions, and communication channels.
• Automatically through cookies, scripts, local storage, analytics tags, and server-side logging.
• From service providers and integration partners supporting analytics, security, and delivery operations.
• From participating providers where lawful and relevant to request handling or dispute resolution.

4. Purposes for Processing

We process personal information for legitimate business and legal purposes, including providing comparison functionality, supporting user requests, maintaining platform security, detecting fraud and abuse, improving service performance, and meeting legal obligations.

Processing purposes may also include customer communication, dispute handling, policy enforcement, audits, quality assurance, incident response, and lawful cooperation with government or regulatory authorities where required.

5. Legal Bases for Processing

Where applicable, we process personal information on one or more legal bases: consent, contractual necessity, legal obligation, protection of vital interests, and legitimate interests that are not overridden by data subject rights. The legal basis may vary depending on the jurisdiction and context of the interaction.

6. Disclosure and Sharing Practices

We may disclose information to vendors and processors that provide hosting, data storage, analytics, communications, customer support, security operations, compliance monitoring, and technical maintenance. Such disclosures are subject to contractual obligations designed to limit use beyond authorized services.

We may share request-related data with participating financial providers where users request information or connection to provider channels. We may also disclose information in connection with legal process, regulatory requests, mergers, financing transactions, asset transfers, fraud investigations, or rights protection activities.

7. Cookies, Tracking Technologies, and Similar Tools

We use cookies and similar technologies to support authentication continuity, service stability, preference memory, analytics, and security controls. Cookies may include strictly necessary, functional, performance, and measurement categories.

Browser controls can be used to manage cookie behavior, but disabling certain cookies may reduce functionality or impair user experience. We may honor legally required preference signals in jurisdictions where such obligations apply.

8. Data Retention

Retention periods are determined based on operational necessity, legal requirements, dispute defense needs, fraud prevention requirements, and recordkeeping obligations. We retain data only as long as reasonably necessary for disclosed purposes, then delete, anonymize, or de-identify data in accordance with our internal retention framework and legal obligations.

9. Security Measures

We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. Controls may include encryption in transit, access controls, logging, monitoring, least-privilege permissions, and incident response procedures.

No data transmission or storage system can be guaranteed to be fully secure. Users should protect credentials, avoid sharing access details, and notify us promptly of suspected account misuse or unauthorized communication events.

10. Consumer Rights and Jurisdiction-Specific Notices

Depending on applicable law, users may have rights to access, correct, delete, port, or limit use of personal information, and may have rights to object to certain processing activities. California residents may have CCPA/CPRA rights, including rights to know, delete, correct, and opt out of certain sale/sharing activities as defined by law.

Rights requests can be submitted through designated channels on this website or by contacting support@loansbykradevic.com. We may verify identity before fulfilling requests and may decline or limit requests where legally permitted.

11. Minors

Our services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn that data from a child under 13 has been collected in violation of this policy, we will take steps to delete it as required by law.

12. International Transfers

Where cross-border transfers occur, we apply reasonable contractual and organizational controls intended to support lawful transfer and handling. Transfer mechanisms and safeguards depend on jurisdiction and legal requirements applicable to the data set at issue.

13. Changes to this Policy and Contact Information

We may revise this Privacy Policy from time to time. Updated versions are effective upon publication unless otherwise stated. Material updates may be accompanied by additional notice where required by law.

Privacy inquiries and rights requests may be directed to support@loansbykradevic.com, (970) 406-7881, or 12029 W Center Ave, Lakewood, CO 80228-2901.

14. Definitions

For purposes of this Privacy Policy, "Personal Information" means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular consumer or household, subject to exclusions provided by applicable law.

"Service Provider," "Processor," "Sale," "Share," and "Sensitive Personal Information" have the meanings assigned by applicable privacy law in your jurisdiction. Where legal definitions differ across jurisdictions, the controlling definition is the one required by the law that applies to your request.

15. Jurisdiction-Specific Addendum

California

California residents may have rights under CCPA/CPRA, including rights to know, delete, correct, and opt out of certain sale or sharing activities, subject to legal exceptions. California residents may also have rights to limit certain uses of Sensitive Personal Information where applicable.

Virginia, Colorado, Connecticut, Utah, and Other U.S. State Privacy Regimes

Residents of states with comprehensive privacy statutes may have rights to access, correction, deletion, data portability, opt out of targeted advertising, and appeal denied requests, subject to each statute's scope and exemptions.

Nevada

Nevada residents may submit certain opt-out requests under Nevada law as applicable to website operators and covered information transfers.

16. Data Breach and Security Incident Response

In the event of a confirmed security incident involving personal information, we will follow applicable legal notification requirements, including required timelines, recipient categories, and regulator notifications where mandated. Notification content and timing may vary based on incident scope, data category, and legal obligations.

17. Automated Decisioning and Profiling Notice

We may use automated tools to support security, fraud prevention, and content relevance operations. We do not provide lender underwriting decisions and do not issue final credit approvals. Provider-level decisioning is conducted by participating providers under their own legal disclosures.