Willow Lake Loan Privacy Policy

This Privacy Policy describes how Willow Lake Loan collects, uses, shares and protects personal information when you visit willowlakeloan.com or submit a loan request. By using the site, you agree to the practices described here. If you do not agree, please do not submit a request.

Information We Collect

Willow Lake Loan collects the information you type into the loan request form, technical data about your device and visit, and information gathered through cookies and similar technologies.

Information you provide

• Contact details: name, email address, phone number and home address.
• Identity details: date of birth and, where a lender requires it, all or part of your Social Security number.
• Financial details: income, pay frequency, employment status, housing status and bank account information for deposits.
• Loan details: the amount you request and the purpose of the loan.
• Messages you send to our support team.

Information collected automatically

• Device and browser type, operating system, IP address and approximate location derived from it.
• Pages viewed, links clicked, time spent on the site and the website that referred you.
• Form interaction data, such as whether a field was completed, used to detect errors and fraud.

Cookies and similar technologies

We and our partners use cookies, pixels and local storage to keep the site working, remember your preferences, measure traffic, understand which marketing brought you here and help prevent fraud.

How We Use Your Information

Willow Lake Loan uses personal information to process your loan request, connect you with lenders, communicate with you, improve the site and meet legal obligations.

• Passing your request to lenders and lending partners who may present an offer.
• Verifying your identity and helping prevent fraud and misuse.
• Sending messages about your request and, with your consent, related offers.
• Answering questions you send to support.
• Analyzing site performance and improving our forms and guides.
• Complying with laws, regulations, legal process and lawful requests.

How We Share Your Information

Willow Lake Loan shares your request with lenders, lending partners and service providers so they can review it, contact you and perform services on our behalf.

• Lenders and lending partners. Lenders in our network, and partners that operate their own networks of lenders, receive your request to decide whether to present an offer. They may verify your information with credit bureaus and other data providers. Their use of your data is governed by their own privacy notices.
• Service providers. Companies that host our site, deliver email and text messages, provide analytics, and help verify identity or detect fraud receive only the data they need to perform those tasks.
• Legal and safety reasons. We may disclose information to comply with law, respond to legal process, protect our rights or the rights of others, or investigate fraud.
• Business transfers. If our business is sold, merged or reorganized, personal information may transfer to the new owner under this policy.

Some sharing for advertising or analytics may count as a "sale" or "sharing" of personal information under certain state laws. You can opt out as described below.

Your Choices

You can control marketing messages, cookies and certain data sharing through the options below, and opting out of marketing does not affect messages about a request you submitted.

• Email: use the unsubscribe link in any marketing email.
• Text messages: reply STOP to any marketing text.
• Calls: ask the caller to place you on their do-not-call list, or contact us.
• Cookies: adjust your browser settings to block or delete cookies; some site features may not work without them.
• Lenders: contact each lender directly to opt out of its communications.

Data Security

Willow Lake Loan uses reasonable administrative, technical and physical safeguards, including encryption in transit, to protect personal information from unauthorized access, loss or misuse.

Access to personal data is limited to people and partners who need it to perform their work. No method of transmission or storage is completely secure, so we cannot promise absolute security. Please protect your own devices and never share your passwords.

Data Retention

We keep personal information only as long as needed to provide the service, meet legal, tax and regulatory requirements, resolve disputes and enforce our agreements.

When information is no longer needed, we delete it or de-identify it so it can no longer reasonably be linked to you. Lenders and partners that received your request keep data according to their own retention schedules.

Children's Privacy

Willow Lake Loan is intended only for adults 18 and older, and we do not knowingly collect personal information from anyone under 18.

If you believe a minor has submitted information through our site, contact us and we will delete it.

State Privacy Rights

Residents of California and certain other states may have rights under state law to know, access, correct and delete personal information, and to opt out of its sale or sharing.

Depending on where you live, those rights may include:

• The right to know what categories and specific pieces of personal information we have collected, the sources, the purposes and the categories of recipients.
• The right to request deletion of personal information, subject to legal exceptions.
• The right to correct inaccurate personal information.
• The right to opt out of the sale or sharing of personal information and of targeted advertising.
• The right to limit use of sensitive personal information where state law provides it.
• The right not to be treated differently for exercising these rights.

Some information collected in connection with a loan is covered by federal financial privacy law rather than state privacy law, so certain requests may be handled under those rules. Where state law allows, you may also appeal a decision we make on your request.

How to Make a Request

To exercise a privacy right or opt out, contact Willow Lake Loan through our contact page for privacy requests and tell us which right you want to use.

We will ask for information to verify your identity, usually the name, email and phone number you used on the form. You may use an authorized agent where state law allows; we may ask for proof of that authority. We respond within the time required by applicable law.

Changes to This Policy

Willow Lake Loan may update this Privacy Policy as our practices or the law change, and the revised version will be posted on this page.

Significant changes will be highlighted on the site. Your continued use of the site after changes are posted means you accept the updated policy. For details on site use, see our terms of use.