Privacy Policy

This policy explains what information 12M Loan collects when you use 12mloan.com, how it is used and shared, and the choices you keep. The one-sentence version: request data goes to the lenders reviewing your request under this policy's terms, analytics stay aggregate, and we sell nothing to data brokers.

Information We Collect

Information you provide. When you submit a loan request, you provide identity details (name, address, date of birth, contact information), financial details (income, employment or income source, bank account and routing numbers), and your requested amount. When you contact us, you provide whatever your message contains.

Information collected automatically. Standard web logs — IP address, browser type, pages viewed, referring page, timestamps — collected for security and site operation. This site does not run third-party behavioral advertising trackers.

How We Use It

Request data is used for exactly its stated purpose: transmission to lenders in the network licensed for your state, so they can evaluate the request and respond with offers. Contact data is used to reply. Log data is used to keep the site running, secure, and improving. We do not use your data to build advertising profiles, and we do not sell personal information to data brokers.

How Information Is Shared

With network lenders — your request details, so they can review and respond; each lender's own privacy policy governs its handling from there, and lenders may retain request data as their compliance obligations require. With service providers — hosting, security, and communications vendors bound to use data only for the services they provide us. For legal reasons — where law, subpoena, or protection against fraud requires. In a business transfer — if the service is acquired, data transfers under this policy's protections. That list is exhaustive.

Security and Retention

Data transmits over encrypted connections (TLS) and is stored with access controls limiting it to personnel who need it. No internet transmission is perfectly secure — a promise of absolute security would be the first dishonest sentence on this site — but industry-standard measures are in place and reviewed. Request data is retained as long as needed for the service and legal compliance, then deleted or anonymized.

Your Choices and Rights

You may request access to, correction of, or deletion of your personal information by contacting [email protected] — include enough detail to locate your record, and we respond within the timeframes your state's law sets. Residents of states with comprehensive privacy laws (including California) have specific statutory rights to know, delete, correct, and opt out of sale or sharing; we honor these for all users regardless of state, and we do not sell personal information as those laws define sale. You can decline cookies in your browser; core site functions survive without them.

Children

This service is for adults 18 and over. We do not knowingly collect information from anyone under 18, and any such record identified is deleted.

Changes and Contact

Material changes to this policy are posted here with an updated effective date; continued use after posting is acceptance. Questions, requests, and complaints reach us at [email protected], by phone at 888-925-1651, or by mail at 9352 Northgate Ave, Suite 100, Spokane, WA 99201 — and the compensation side of how this site works lives on the advertiser disclosure page.