Last updated: January 2026. This document is a template and must be reviewed by counsel before this site accepts a single live request.
This policy explains what badcreditloan.ai collects when you use this website, who we share it with, why, and what you can do about it. It applies to this website only. Once you are connected to a lender, that lender's own privacy policy governs what it does with your information.
What we collect
Information you give us
- Loan details: the amount requested, the purpose, and your self-reported credit rating.
- Financial details: employment status and monthly income band.
- Identity and location: name, state, and ZIP code.
- Contact details: email address and telephone number.
We do not request a Social Security number, driver's licence number, or bank account credentials on this website. A lender may request those on its own secure system after you have reviewed its terms.
Information collected automatically
- IP address, approximate location derived from it, browser and device type.
- Pages viewed, referring URL, and timestamps.
- Cookies and similar technologies used for functionality, analytics, and attribution.
How we use it
- To route your request to lenders and lending partners in our network.
- To verify the information you provided and assess your creditworthiness with credit bureaus.
- To operate, secure, and improve this website and detect fraudulent submissions.
- To contact you about your request, and, where permitted and until you opt out, about related offers.
- To comply with legal obligations and to respond to lawful requests.
Who we share it with
Submitting the form is a request that we share your information. We disclose it to:
- Lenders and lending partners in our network, so they can evaluate your request. This may include tribal lenders.
- Credit reporting agencies, including national bureaus (Experian, Equifax, TransUnion) and alternative bureaus (Teletrack, DataX, Clarity, and similar).
- Marketing and analytics partners, where you have not opted out and where applicable law permits.
- Service providers who host, secure, or support this website under contract.
- Authorities, where required by law, subpoena, or to protect our rights or someone's safety.
Some of this sharing may be treated as a "sale" or "sharing" of personal information under state privacy laws. See Your rights for how to opt out.
Cookies
We use cookies that are necessary for the site to function, plus analytics and attribution cookies that tell us which pages and referrers produce completed requests. Most browsers let you refuse or delete cookies; blocking necessary cookies may prevent the form from working.
How long we keep it
We retain submitted requests for as long as needed to provide the service and to meet legal, record-keeping, and dispute-resolution obligations, typically several years, after which the record is deleted or de-identified. Automatically collected technical data is retained on a shorter schedule.
Security
Information is transmitted over encrypted connections and stored in encrypted form, with access limited to personnel and processors who need it. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security.
Your rights
Depending on where you live, you may have the right to know what we hold about you, to obtain a copy, to correct it, to have it deleted, to opt out of its sale or sharing, to opt out of targeted advertising, and not to be discriminated against for exercising any of these. Residents of California, Colorado, Connecticut, Virginia, Utah, Texas, and other states with comprehensive privacy laws have some or all of these rights by statute.
To exercise any of them, email support@badcreditloan.ai with the subject line "Privacy request". We will verify your identity before acting, and respond within the period your state's law requires. An authorised agent may act for you with written proof.
Note that we cannot recall information already delivered to a lender. You must contact that lender directly. Deleting your record with us does not delete it with them.
Marketing communications
You may opt out of marketing email at any time using the unsubscribe link in any message, via ourunsubscribe page, or by emailingunsubscribe@badcreditloan.ai. Opting out of marketing does not stop transactional messages about a request you have submitted.
Children
This site is not directed to anyone under 18, and we do not knowingly collect information from minors. If you believe a minor has submitted information, contact us and we will delete it.
Changes
We may update this policy. The "last updated" date at the top of this page reflects the current version. Material changes will be announced on this page before they take effect.
Contact
Badcreditloan.ai LLC, [Street address], [City], [State] [ZIP].support@badcreditloan.ai.