Privacy Policy

Introduction

THERESA-LOAN ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Register for an account
• Apply for credit
• Contact us with inquiries
• Subscribe to our newsletter
• Participate in surveys or promotions

This information may include:

• Name and contact information (email, phone number, address)
• Date of birth and identification documents
• Financial information (income, employment status, bank details)
• Credit history and related documents
• Any other information you choose to provide

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and browser type
• Operating system and device information
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Process and evaluate credit applications
• Provide, operate, and maintain our services
• Verify your identity and prevent fraud
• Communicate with you about your account and applications
• Send administrative information and updates
• Respond to your inquiries and provide customer support
• Comply with legal obligations and regulatory requirements
• Improve our website and services
• Analyze usage patterns and trends
• Send marketing communications (with your consent)

Sharing Your Information

We may share your information in the following situations:

• Credit Bureaus: To verify your creditworthiness and report payment activities
• Service Providers: With third-party vendors who perform services on our behalf
• Legal Requirements: When required by law, regulation, or legal process
• Business Transfers: In connection with a merger, sale, or acquisition
• With Your Consent: When you explicitly authorize us to share your information

We do not sell your personal information to third parties for marketing purposes.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit and at rest
• Secure server infrastructure
• Regular security assessments and updates
• Access controls and authentication mechanisms
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

Your Privacy Rights

Depending on your location, 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 or incomplete information
• Deletion: Request deletion of your personal information
• Restriction: Request restriction of processing your information
• Portability: Request transfer of your information to another service
• Objection: Object to processing of your information
• Withdraw Consent: Withdraw previously given consent

To exercise these rights, please contact us using the information provided below. We will respond to your request within the timeframe required by applicable law.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website functionality and performance
• Deliver relevant content and advertisements

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new privacy policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have questions or concerns about this privacy policy or our data practices, please contact us: