Privacy Policy
Last updated: 12/11/2025
TheLoanOfficer is committed to protecting your privacy and ensuring transparency in data handling.
Introduction
This Privacy Policy describes how TheLoanOfficer ("we," "our," or "us") collects, uses, and protects your information when you use our loan marketplace platform. We are committed to maintaining the highest standards of data protection and transparency.
By using our platform, you consent to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.
Information We Collect
Personal Information
- • Name, email address, and contact information
- • Financial information necessary for loan applications
- • Professional credentials and licensing information (for loan officers)
- • Identity verification documents
Usage Information
- • Platform interaction data and preferences
- • Communication logs between borrowers and loan officers
- • Search history and listing views
- • Device information and IP addresses
Ephemeral Storage and Data Retention
Temporary Data Storage
Certain sensitive information is stored temporarily and automatically purged to enhance security.
Ephemeral Data Types
- • Document uploads: Scanned by AI, then automatically deleted
- • Conversation data: xxxx
- • Search queries: xxxx
- • Session data: Automatically cleared upon logout or after 24 hours of inactivity
- • Error logs: Retained for 14 days for debugging purposes
Data Retention Schedule
Borrower Data
- • Profile: 3 years after last activity
- • Loan applications: 7 years (regulatory requirement)
- • Communication logs: 90 days
Loan Officer Data
- • Professional credentials: 5 years
- • Subscription data: 7 years
- • Performance metrics: 2 years
Consent and Authorization
Borrower Consent
By creating an account and using our platform, borrowers explicitly consent to:
- • Sharing financial information with verified loan officers
- • Temporary storage of documents for loan processing
- • Communication through our secure messaging system
- • Data processing for loan matching and verification
- • Receiving loan offers and related communications
Loan Officer Authorization
Loan officers must provide explicit authorization for:
- • Access to borrower information within their subscription tier
- • Professional credential verification and background checks
- • Communication with borrowers through our platform
- • Data processing for loan origination activities
- • Compliance monitoring and audit requirements
Withdrawal of Consent
You may withdraw your consent at any time by contacting our support team. However, please note that withdrawing consent may limit your ability to use certain features of our platform. We will process your request within 30 days and ensure all applicable data is properly handled according to your preferences.
Data Security and Protection
Security Measures
- • End-to-end encryption for all data transmission
- • Multi-factor authentication for all accounts
- • Regular security audits and penetration testing
- • SOC 2 Type II compliance
- • Automated data backup and recovery systems
Access Controls
- • Role-based access permissions
- • Regular access reviews and updates
- • Audit logging for all data access
- • Employee background checks and training
- • Secure data centers with 24/7 monitoring
Information Sharing and Disclosure
We Share Information With:
- • Verified loan officers: Only within their subscription tier and for legitimate business purposes
- • Service providers: Third-party vendors who assist in platform operations (under strict confidentiality agreements)
- • Regulatory authorities: When required by law or to comply with legal obligations
- • Business partners: Only with your explicit consent for specific services
Loan Officer Matching
Based on your loan details, here are loan officers who typically work with similar borrowers or loan programs.
You may choose freely who to contact.
We Do NOT Share:
- • Personal information with unverified third parties
- • Financial data for marketing purposes
- • Contact information with other users without consent
- • Sensitive documents outside of the loan application process
Your Rights and Choices
Access and Portability
Request a copy of your personal data in a portable format
Correction
Update or correct inaccurate personal information
Deletion
Request deletion of your personal data (subject to legal requirements)
Restriction
Limit how we process your personal information
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
Email: privacy@theloanofficer.com
Phone: 1-800-LOAN-HELP
Address: TheLoanOfficer Privacy Team, 123 Financial District, Suite 100, New York, NY 10004
Policy Updates
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Your continued use of our platform after any modifications constitutes acceptance of the updated policy.