Privacy Policy

Privacy Policy

At HOD Loans, we value your privacy and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your data when you visit our website, https://hodloans.com. Please read it carefully to understand our practices regarding your personal data.

By accessing or using our Website, you agree to the terms of this Privacy Policy. If you disagree with any part of this policy, please refrain from using our Website.

Information We Collect

We collect information to provide you with the best services and ensure a seamless user experience. This includes:

Personal Information

This refers to information that identifies you as an individual, including:

Name, address, and contact details (phone number and email).
Employment details, such as job title and income.
Financial information related to loan applications, including income, credit score, and banking details.
Data provided through forms, such as loan applications or inquiries.

Non-Personal Information

This refers to data that does not directly identify you, such as:

Browser type, device type, and operating system.
IP address and geographic location.
Pages viewed, time spent on the Website, and usage patterns.
Cookies and tracking technologies that enhance your browsing experience.

Information from Third Parties

We may also collect data from external sources, such as credit bureaus, to process loan applications or verify identities.

How We Use Your Information

The information we collect is used for:

Loan Processing: To evaluate, process, and communicate the status of your loan application.
Customer Support: To respond to inquiries and provide assistance.
Improving Services: To analyze trends and enhance Website functionality.
Legal Compliance: To fulfill legal obligations and comply with regulations.
Marketing: To send updates, promotional offers, or newsletters (only if you have opted in).

Sharing Your Information

We do not sell or rent your personal information. However, we may share your data in these scenarios:

With Service Providers

We collaborate with trusted third parties to deliver our services, such as:

Credit verification agencies.
Payment processors.
IT service providers and hosting partners.

For Legal Obligations

We may disclose your information to:

Comply with legal requirements or respond to legal processes.
Protect the rights, property, or safety of HOD Loans or others.
Prevent fraud or other illegal activities.

In Business Transfers

If HOD Loans undergoes a merger, acquisition, or sale of assets, your personal information may be transferred as part of the business transaction.

Cookies and Tracking Technologies

We use cookies to improve your experience on our Website by:

Remembering your preferences and settings.
Analyzing traffic and improving site performance.
Delivering relevant advertisements and content.

You can manage cookies through your browser settings. Note that disabling cookies may affect some Website functionalities.

How We Protect Your Information

We employ industry-standard measures to protect your data, including:

Encryption: Secure Socket Layer (SSL) technology for data transmission.
Security Assessments: Regular monitoring and assessments of our systems.
Access Restrictions: Limiting access to sensitive data to authorized personnel.

While we take these precautions, no online service is entirely secure. Please exercise caution when sharing sensitive information.

Your Rights and Choices

You have the following rights regarding your data:

Access and Correction: Request access to and correction of your data.
Data Deletion: Request data deletion, subject to legal or business requirements.
Marketing Preferences: Opt out of promotional communications at any time.
Cookie Management: Adjust your browser settings to control cookie usage.

To exercise these rights, please contact us using the details provided below.

Third-Party Links

Our Website may include links to external websites. We are not responsible for their privacy practices or content. Please review their privacy policies before sharing your information.

Retention of Data

We retain your data only as long as necessary for the purposes outlined in this policy, to comply with legal requirements, or to resolve disputes. Once this period ends, your data is securely deleted or anonymized.

Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated policy will be posted here with a revised "12/12/24" Please review this page regularly for any updates.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please reach out to us at:
Email: bill@hodloans.com

Thank you for trusting HOD Loans. We are dedicated to safeguarding your privacy and ensuring your data is handled responsibly.