Privacy Policy

1Introduction

Panda Loans (“we,” “us,” or “our”) operates the website pandaloansapply.com (the “Service”). This Privacy Policy explains how we collect, use, share, and protect your information when you use our Service.

By using the Service, you agree to the practices described in this policy. If you do not agree, please do not use the Service.

2Information We Collect

We collect several types of information to provide and improve our loan matching service:

Information you give us

• Contact information (name, address, email, phone number).
• Identification information (date of birth, Social Security Number).
• Financial information (income, employer, bank account details).
• Demographic information (residency, age).
• Any other information you choose to share via forms or communications.

Information collected automatically

• Device and browser information (IP address, browser type, operating system).
• Usage data (pages visited, time on site, click paths).
• Location data (general geographic location based on IP).
• Cookies and similar technologies (see Section 5).

Information from third parties

• Credit bureaus (soft inquiries to pre-qualify you).
• Identity verification services.
• Lenders in our network (status updates on your application).

3How We Use Your Information

We use the information we collect for the following purposes:

• Matching you with lenders in our network based on your application.
• Verifying your identity and preventing fraud.
• Communicating with you about your application, offers, and our Service.
• Improving and personalizing your experience on our website.
• Analyzing usage to improve our products, features, and operations.
• Complying with legal obligations and enforcing our Terms of Use.
• Sending marketing communications (with your consent, where required).

4How We Share Your Information

We may share your information in the following ways:

With lenders and lending partners

When you submit a loan application, we share your information with lenders and lending partners in our network who may make you a loan offer. These third parties will handle your data under their own privacy policies.

With service providers

We work with trusted third-party vendors (hosting, analytics, identity verification, customer support) who help us run the Service. These providers may access your information only to perform tasks on our behalf.

For legal reasons

We may disclose information if required to do so by law, court order, or government request, or to protect the rights, property, or safety of Panda Loans, our users, or others.

Business transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred to the new owner as part of that transaction.

5Cookies & Tracking Technologies

We use cookies, web beacons, and similar technologies to collect information about how you use our Service. These technologies help us:

• Remember your preferences and settings.
• Understand how visitors interact with our site.
• Improve performance and personalize content.
• Measure the effectiveness of our marketing.

Most web browsers allow you to control cookies through their settings. However, disabling cookies may limit your ability to use some features of our Service.

6Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Ask us to correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal information.
• Opt-out: Opt out of certain types of data sharing or marketing.
• Portability: Receive your information in a portable format.

California residents have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, contact us using the details in Section 11.

7Data Security

We take the security of your information seriously and use industry-standard measures to protect it, including:

• 256-bit SSL encryption during transmission.
• Secure servers and access controls.
• Regular security audits and updates.
• Limited employee access on a need-to-know basis.

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

8Children’s Privacy

Our Service is not intended for anyone under 18 years old. We do not knowingly collect personal information from children under 18. If we discover that we have collected information from a child under 18, we will delete it promptly.

9Third-Party Links

Our website may contain links to third-party sites or services. We are not responsible for the privacy practices or content of those third parties. We encourage you to review their privacy policies before sharing any information.

10Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of the policy and, where appropriate, notify you by email or through a notice on our Service. We encourage you to review this policy periodically.

11Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us:

• Email: [email protected]
• Website: pandaloansapply.com