Privacy Policy
Last Updated: January 14, 2026
At Loan Doctor, protecting your privacy and personal information is a top priority. This Privacy Policy explains what information we collect, how we use it, who we share it with, and how we keep it secure when you use our Debt Diagnostics tool and related services.
1. Information We Collect
You Provide Directly
- • Name, email, phone number
- • Financial details (debts, rates, income estimates, etc.)
- • Any messages or support requests you send us
Collected Automatically
- • IP address, browser & device info
- • Usage analytics (pages viewed, session duration)
- • Cookies & similar tracking technologies
When you request loan officer review or pre-qualification, we or our partners may obtain credit reports and perform credit inquiries (soft or hard pulls).
2. How We Use Your Information
- • Operate and improve the Debt Diagnostics calculator
- • Connect you with loan officers (only when you choose to submit)
- • Generate preliminary, non-binding pre-qualification estimates
- • Communicate with you (with proper consent where required)
- • Analytics, security, fraud detection, and legal compliance
3. Sharing & Disclosure
We share information only in these limited situations:
- • Loan officers/lenders — only when you explicitly submit
- • Service providers (hosting, analytics, email) under strict agreements
- • Legal requirements, subpoenas, or protection of rights
- • Business transfers (merger, acquisition, etc.)
We do NOT sell your personal information.
4. Your Rights
You may request to access, correct, or delete your personal data (subject to legal exceptions). California residents have additional rights under CCPA/CPRA.
5. Security
We use reasonable technical, administrative, and physical safeguards. However, no system is completely secure.