How AlignedPLoans.com collects, uses, shares, and safeguards your personal information.
AlignedPLoans.com ("AlignedPLoans," "we," "us," or "our") is an independent, free online loan-matching platform. We are not a lender, bank, credit union, loan broker, or financial institution. We operate a website that connects consumers in the United States with a network of third-party lenders who may offer personal loan products.
This Privacy Policy explains how we handle personal information collected through our website (alignedploans.com), related pages, and any associated services (collectively, the "Platform").
Plain-English Summary: We match you with lenders — we don't make lending decisions. Your data helps us find potential loan options for you and improve our Platform.
The types of personal information we may collect depend on how you interact with our Platform. Categories include:
Full name, date of birth, Social Security Number (last 4 digits or full, as required by lenders)
Email address, phone number, mailing address, state of residence
Annual income, employment status, employer name, monthly expenses, loan amount requested
Self-reported credit score range; lenders may perform their own credit inquiries independently
IP address, browser type, pages visited, time on site, referring URL, device identifiers
State and zip code (required); general geographic region derived from IP address
We collect information through several means:
— when you complete and submit our online loan request form.
— via cookies, web beacons, pixel tags, and similar technologies when you browse our Platform.
— we may receive information from analytics providers, advertising partners, data brokers, or lenders who verify and supplement the information you provided.
— publicly available records may be used to verify identity or comply with legal obligations.
We use the personal information we collect for the following purposes:
— to connect you with lenders in our network who may offer loan products suited to your profile.
— to confirm your identity and protect against fraudulent activity.
— to analyze how our Platform is used and improve user experience.
— to send you information about your loan request, loan offers, and related financial products you may find useful. You may opt out at any time.
— to meet our obligations under applicable federal and state laws, including TILA, the FCRA, the GLBA, and applicable state lending regulations.
— to send promotional communications; you have the right to opt out (see
Important: AlignedPLoans does not make lending or credit decisions. Any credit decision is made solely by the lender you choose to work with, based on their own criteria.
We do not sell your personal information in the traditional sense. However, by submitting a loan request, you expressly authorize us to share your information with:
— licensed lenders who may review your information and extend a loan offer.
— we may transfer your inquiry to verified third-party partners who may contact you about financial products. You consent to this by submitting a request.
— vendors who provide technology, analytics, email delivery, identity verification, or other services on our behalf, under strict confidentiality agreements.
— when required by law, court order, or to protect our legal rights.
— in the event of a merger, acquisition, or sale of assets, your data may be transferred to a successor entity.
Opt-Out: You may request that we stop sharing your information for marketing purposes by contacting us at info@alignedploans.com. Note that lenders you have already been connected with may independently continue to contact you.
We use cookies and similar tracking technologies to operate and improve our Platform, analyze traffic, and support advertising. Types of cookies we use:
— necessary for the Platform to function; cannot be disabled.
— help us understand how visitors use our site (e.g., Google Analytics).
— used to display relevant ads on third-party sites.
— remember your preferences and improve user experience.
You can control cookies through your browser settings. Disabling certain cookies may affect Platform functionality. We also participate in industry opt-out programs such as the NAI opt-out and DAA opt-out.
We take the protection of your personal information seriously and implement industry-standard security measures, including:
Please Note: No method of data transmission or storage over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. If you have reason to believe your information has been compromised, please contact us immediately.
We retain your personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. In general:
After the applicable retention period, your data is securely deleted or anonymized.
Regardless of your state of residence, you have certain rights regarding your personal information:
To exercise any of these rights, please contact us using the information in Section 13. We will respond within 45 days (or as required by applicable law). We may need to verify your identity before processing your request. We will not deny services or penalize you for exercising your privacy rights.
Our Platform is intended solely for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at info@alignedploans.com and we will promptly delete such information from our records.
Depending on your state of residence, you may have additional rights under state privacy law:
— California residents have the right to know, delete, correct, and opt out of the "sale" or "sharing" of personal information, and to limit the use of sensitive personal information. To submit a California privacy request, contact us at info@alignedploans.com with the subject line "California Privacy Request." Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Texas (TDPSA)
— Residents of these states have similar rights to access, correct, delete, and opt out of targeted advertising and profiling. Nevada
— Nevada residents may opt out of the sale of personal information by emailing us at info@alignedploans.com.
— We comply with all applicable state financial privacy laws, including those governing the sharing of nonpublic personal information under the Gramm-Leach-Bliley Act (GLBA).
Not all lenders operate in all states. State laws may restrict certain loan products in your state of residence.
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email or a prominent notice on our Platform.
Your continued use of our Platform after any changes constitutes your acceptance of the revised Privacy Policy. We encourage you to review this page regularly.
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out: