Summary
- We collect the information you enter in our loan request form, plus basic technical data when you browse.
- Loan requests are shared with lenders and lending networks so they can consider you for an offer, and they may pay us for that referral.
- You can ask to access, correct or delete your information and opt out of its sale or sharing by emailing support@livbleloans.com.
- We are not Livble. Information you give Livble is handled under Livble's own privacy policy.
Who we are and what this policy covers
This Privacy Policy explains how LivbleLoans.com ("LivbleLoans," "we," "us" or "our") collects, uses and shares information about visitors to our website and people who submit a loan request through it. It applies to livbleloans.com and its pages. It does not apply to websites or services run by others, including Livble, lenders or lending networks, which have their own privacy policies.
Information we collect
Information you provide
When you submit a loan request, the form may ask for your name, email address, phone number, home address, date of birth, Social Security number, employment and income details, bank account information, the amount you want to borrow and why. If you email us, we receive your email address and whatever you include in your message.
Information collected automatically
When you visit our website, we and our service providers may collect your IP address, browser and device type, operating system, pages viewed, time on page, the website that referred you and general location derived from your IP address. Some of this is collected through cookies, pixels and similar technologies.
Information from others
Lenders and lending networks may tell us whether a request was received, matched or funded so we can operate the service and receive payment. Fraud-prevention and identity-verification providers may give us information that helps confirm a request is genuine.
How we use information
- To process your loan request and connect you with lenders and lending networks
- To respond to your questions and requests
- To operate, secure and improve our website, including detecting fraud and abuse
- To understand how visitors use our pages so we can make them more useful
- To comply with law, enforce our Terms of Use and protect our rights and the rights of others
How we share information
| Recipient | Why |
|---|---|
| Lending network partner | Our loan request form is provided by a lending network partner. Information you enter is sent to that partner, whose own privacy policy also applies. |
| Lenders and other networks | So they can review your request, check your credit if they choose, make an offer and contact you. Lenders may pay for these referrals. |
| Service providers | Companies that host our website, deliver fonts and content, provide analytics, prevent fraud or send email on our behalf. |
| Legal and safety | When required by law or legal process, or to protect the rights, property or safety of users, the public or us. |
| Business transfers | If our website or business is sold, merged or reorganized, information may transfer to the new owner under this policy. |
Lenders that receive your information use and protect it under their own privacy notices, including any notices required by the Gramm-Leach-Bliley Act. Lenders may contact you by phone, email or text message based on the consent you give in the request form, and you can opt out of their marketing by following the instructions they provide.
Cookies and similar technologies
Cookies are small files stored on your device. We and our service providers may use them to keep the website working, remember preferences, measure traffic and understand which pages are useful. You can block or delete cookies in your browser settings. Some features, including the loan request form, may not work properly if you block them.
Your choices
- Don't submit a request. You can read every page on our site without giving us personal information.
- Marketing messages. Use the unsubscribe link in any email, or reply STOP to text messages from the sender.
- Cookies. Adjust your browser settings to limit or block cookies.
- Privacy requests. Email support@livbleloans.com to access, correct or delete your information or to opt out of its sale or sharing.
Your state privacy rights
Depending on where you live, including California, Colorado, Connecticut, Virginia, Texas, Oregon and other states with consumer privacy laws, you may have the right to:
- Know what personal information we collect, use and share about you, and get a copy of it
- Correct inaccurate personal information
- Delete personal information we hold about you, subject to legal exceptions
- Opt out of the sale of your personal information, the sharing of it for targeted advertising, and certain profiling
- Limit the use of sensitive personal information, such as your Social Security number or financial account details
- Appeal our decision on your request, where your state provides that right
- Not be treated differently for exercising these rights
Some information collected for loan requests is covered by federal financial privacy law and may be exempt from certain state law rights. We'll explain if an exemption applies to your request.
Do Not Sell or Share My Personal Information
Sharing loan request information with lenders and lending networks that pay for referrals may be considered a "sale" or "sharing" of personal information under some state laws. To opt out, email support@livbleloans.com with the subject "Do Not Sell or Share" and include the name, email address and phone number you used. Because a loan request can only be completed by sharing it with lenders, opting out means we can't process new requests from you.
California notice at collection
In the past 12 months, we may have collected the following categories of personal information: identifiers (such as name, email, phone, address and IP address); personal information described in California Civil Code Section 1798.80 (such as Social Security number, bank account information and employment details); characteristics such as age; commercial information (such as the loan amount you requested); internet activity (such as pages viewed); general geolocation; and inferences drawn from this information.
We use these categories for the purposes described in this policy and may disclose identifiers, Section 1798.80 information, age, commercial information and inferences to lenders and lending networks, which may be considered a sale or sharing. We disclose internet activity and general geolocation to service providers. We keep each category only as long as described in the retention section below. We do not knowingly sell or share the personal information of consumers under 16.
How to make a privacy request
Email us
Send your request to support@livbleloans.com and tell us which right you want to use.
Verify your identity
We'll ask you to confirm details that match what we hold, such as your name, email and phone number. Don't send your Social Security number or full bank account number by email.
Get a response
We respond within the time your state's law requires, usually 45 days, and tell you if we need more time.
You may use an authorized agent to make a request for you. We may ask the agent for proof of authorization and ask you to verify your identity directly.
How we protect information
We use reasonable administrative, technical and physical safeguards, including encrypted connections on our website. No method of transmission or storage is completely secure, so we can't guarantee absolute security. Protect your own information by never sharing passwords or financial details by email.
How long we keep information
We keep personal information only as long as needed for the purposes in this policy, including processing requests, resolving disputes, keeping business records and meeting legal obligations. When it's no longer needed, we delete or de-identify it. Lenders and lending networks keep the information they receive under their own retention policies.
Children's privacy
Our website is intended for adults who are at least 18 years old. We do not knowingly collect personal information from children. If you believe a child has given us information, contact us and we'll delete it.
Links to other websites
Our pages link to other websites, including Livble, Livble's help center, app stores and news sources. We don't control those websites and aren't responsible for their privacy practices. Read their privacy policies before sharing information with them.
Changes to this policy
We may update this Privacy Policy from time to time. When we do, we'll change the "Updated" date at the top of this page. If a change is significant, we'll make it clear on this page.
Contact us
For questions about this policy or to make a privacy request, email support@livbleloans.com or visit our contact page.