Privacy Policy

Last updated: October 14, 2026

LoanOffers4U ("LoanOffers4U," "we," "us," or "our") is operated by PingAlpha, an Arizona LLC, located at 2820 S. Alma School Rd Ste 18 #553, Chandler, AZ 85286. This Privacy Policy explains what personal information we collect through loanoffers4u.com (the "Site"), how we use and share it, and the choices you have.

LoanOffers4U is not a lender or broker, and does not make credit decisions. We connect visitors with third-party partners who may contact you about their products.

Information We Collect

Information you provide

When you submit our loan request form, we collect the information you enter, which includes: your name, email address, phone number, and home address; your date of birth, Social Security number, and driver's license or state ID number and issuing state; your employment, income, and pay-schedule details; your bank name, account type, routing number, and account number; your housing situation; whether you are military; and the loan amount and purpose you are requesting. We use it to match you with participating partners, and we share it with them as described under "How We Share Information" below. Once a partner receives your information, its own privacy policy governs how that partner uses it.

Sensitive personal information

Your Social Security number, driver's license or state ID number, and bank account and routing numbers are sensitive personal information. We collect it only to provide the service you request - evaluating your request and sharing it with the partner you are matched with - and to prevent fraud, secure the Site, and comply with the law. We do not use it to infer characteristics about you. It is sent over an encrypted connection. We pass it to the partner we match you with so it can evaluate your request, and we keep it only as described under "Data Retention" below.

Information collected automatically

When you visit the Site, we and our service providers automatically collect:

• Attribution and campaign data - if you arrive via an affiliate or advertising link, we record the campaign identifier, click identifier, and any sub-tracking values (sub1, sub2) present in the URL, along with the landing page URL, timestamp, and which partner(s) your inquiry was matched with.
• Device and usage data - such as IP address, approximate location derived from IP, browser type, referring URL, and general usage of the Site.
• Cookies and similar technologies - we set a first-party cookie to tie your visit to the affiliate click that brought you here, and we use your browser's session storage to avoid recording duplicate clicks if you reload the page. See "Cookies and Tracking" below.

How We Use Information

• To collect your inquiry through our form and match you with participating partners who may contact you about loan offers.
• To attribute your visit to the correct affiliate or advertising partner, and to report back to that partner whether a lead resulted in an outcome (for example, a sale or no-sale), so they can be compensated correctly.
• To operate, secure, and improve the Site.
• To comply with legal obligations and enforce our Terms and Conditions.

We do not use the automatically-collected attribution data described above to make credit or lending decisions - we are not a lender and are not in a position to.

Cookies and Tracking

We use a first-party cookie set by our attribution service to associate your browser with the affiliate click that referred you, and browser session storage to remember that a click has already been recorded for this visit so reloading the page doesn't create a duplicate. These are functional, not advertising, cookies set by LoanOffers4U itself. We also load Google Fonts, which may cause your browser to make a request to Google's servers; see Google's own privacy policy for how they handle that request. We also use TrustedForm, a service of ActiveProspect, on our request form. It records a certificate of the consent you give when you submit the form, and to do so it may capture details of your visit and your interactions with the form, such as the page, your IP address, device and browser information, and how the form was completed. See TrustedForm's own privacy policy for how it handles that information.

Most browsers let you block or delete cookies through their settings. Blocking our attribution cookie may prevent an affiliate partner from being credited for your visit, but will not prevent the Site or our inquiry form from functioning.

How We Share Information

• Partners - the lender or marketing partner from our network that we match you with receives the information you submit through our form, including sensitive personal information such as your Social Security number and bank account details, so it can evaluate your request and contact you about its offers.
• Affiliates and advertising networks - we share click and outcome data (for example, campaign ID, click ID, and whether a lead sold) with the affiliate or ad network that referred your click, so they can be paid and can match our postback to their own records.
• Service providers - vendors who host our infrastructure or process data on our behalf, under obligations to protect it.
• Legal and safety - when required by law, regulation, legal process, or to protect the rights, property, or safety of LoanOffers4U, our users, or others.
• Business transfers - in connection with a merger, acquisition, financing, or sale of assets.

We share the information you submit with the partner your request is matched with, and that partner or an advertising network may compensate us when that happens. Under some state privacy laws, this may be considered a "sale" or "sharing" of personal information. You can opt out using our Do Not Sell or Share My Personal Information page; see "Your Choices and Rights" below.

Data Retention

We retain inquiry information and attribution and click records for as long as reasonably necessary to resolve lead outcomes, pay or reconcile affiliate partners, and meet our legal, accounting, and fraud-prevention obligations, after which it is deleted or anonymized.

Your Choices and Rights

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, or to opt out of certain sharing. You can make these requests for any information collected by LoanOffers4U, including the information you submit through our inquiry form and the attribution and usage data described above, using the contact information below, and we will respond as required by applicable law, including the California Consumer Privacy Act (CCPA/CPRA) and other applicable state privacy laws. If your information has already been shared with a partner, you may also need to contact that partner directly about the copy it holds.

To opt out of the sale/sharing of your personal information, visit our Do Not Sell or Share My Personal Information page. We also automatically honor the Global Privacy Control (GPC) signal, where sent by your browser, as a valid opt-out request.

Children's Privacy

The Site is not directed to, and we do not knowingly collect personal information from, anyone under 18. If you believe a child has provided us information, contact us and we will delete it.

Security

We use reasonable administrative, technical, and physical safeguards designed to protect information we handle. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Third-Party Links

The Site may link to third-party partners' websites. Their privacy practices are governed by their own privacy policies, which we encourage you to review.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes are effective when posted on this page, and we will update the "Last updated" date above.

Contact Us

Questions about this Privacy Policy or requests regarding your information can be sent to support@loanoffers4u.com.