Privacy Policy & Advertiser Disclosure

📢 Advertiser Disclosure: LoanAdvisorUSA may receive compensation when you click on links or submit a form on this site. This compensation may influence which products we feature or in what order. However, our editorial team's opinions, ratings, and reviews are independent and not influenced by our advertising relationships. We are not a lender and do not make loan decisions.

Who We Are
Information We Collect
How We Use Your Information
How We Share Your Information
Cookies & Tracking
Your Choices
California Residents — CCPA
Data Security
Children's Privacy
Third-Party Links
Changes to This Policy
Contact Us

Section 1

Who We Are

LoanAdvisorUSA ("we," "us," "our") is an independent personal loan comparison and information website operated at regionalfinanceusa.com.

We are not a lender. We do not originate loans, make credit decisions, or access your credit file. We are not affiliated with Regional Finance, Regional Management Corp. (NYSE: RM), or any lender whose products we review or feature on this Site.

Our mission is to provide independent, fact-checked educational content and loan comparisons to help American consumers make more informed borrowing decisions.

Section 2

Information We Collect

Information You Voluntarily Provide

When you use our rate-check form or contact us, you may provide:

Name, email address, and phone number
Desired loan amount and loan purpose
Estimated credit score range and employment status
Income range and state of residence

Providing this information is voluntary. If you do not submit a form, we do not collect personal identifying information about you.

Information Collected Automatically

Data Type	What We Collect	Purpose
Log Data	IP address, browser type, pages visited, time on page, referring URL	Security & analytics
Cookies	Session and persistent cookies (see Section 5)	Functionality & analytics
Device Info	Device type, OS, screen size	Site optimization
Analytics	Aggregate traffic patterns via Google Analytics	Improve content

Section 3

How We Use Your Information

To connect you with lenders: When you submit our rate-check form, your information is passed to lending partners who may contact you with loan offers. This is a soft credit inquiry — it does not affect your credit score at this stage.
To operate and improve our website: We use analytics data to understand how visitors use our tools and content, and to improve their experience.
To respond to inquiries: If you contact us, we use your contact details to respond.
To comply with the law: We retain or share data as required by applicable law or legal process.
To prevent fraud and abuse: We use log data to identify and block malicious or abusive activity.

We do not: sell your personal information to third-party marketers, use your data to build advertising profiles, or contact you with unsolicited marketing unless you have opted in.

Section 4

How We Share Your Information

We may share your information with the following categories of parties:

Recipient	When & Why
Lending Partners	When you submit a rate-check form. Each lender governs the information you provide to them under their own privacy policy.
Service Providers	Hosting, analytics, and email delivery providers operating under confidentiality agreements.
Legal & Regulatory	When required by law, court order, or to protect our rights or the safety of users.
Business Transfers	In the event of a merger, acquisition, or sale of assets, user data may be transferred as part of that transaction.

We do not sell personal information to data brokers or third parties for marketing purposes.

Section 5

Cookies & Tracking Technologies

We use cookies and similar technologies. Here's what each type does:

Cookie Type	Purpose	Duration
Essential	Required for the calculator and forms to function	Session
Analytics	Google Analytics — aggregate traffic measurement	Up to 2 years
Preference	Remembers calculator settings and state	30 days
Advertising	Tracks conversions from our advertising partners	90 days

Managing Cookies

You can disable cookies in your browser settings. Disabling essential cookies may affect calculator functionality. To opt out of Google Analytics tracking: tools.google.com/dlpage/gaoptout.

Section 6

Your Choices

Opt Out of Prescreened Offers

If you've received an unsolicited loan check in the mail from any lender, you can opt out of future prescreened credit offers at OptOutPrescreen.com or by calling 1-888-5-OPT-OUT.

Email Unsubscribe

If you receive marketing emails from us, you can unsubscribe at any time by clicking the unsubscribe link at the bottom of any email.

Do Not Track

We honor browser "Do Not Track" (DNT) signals where technically feasible. Some third-party services on our site may not honor DNT signals.

Data Access & Deletion

You may request access to or deletion of personal information we hold about you by contacting us at [email protected]. We will respond within 30 days.

Section 7

California Residents — CCPA Rights

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

Your Right	What It Means
Right to Know	Request details about personal information we collect, use, disclose, and sell about you over the past 12 months.
Right to Delete	Request deletion of personal information we have collected, subject to certain legal exceptions.
Right to Correct	Request correction of inaccurate personal information we maintain about you.
Right to Opt-Out	Opt out of the "sale" or "sharing" of your personal information. We do not sell personal information.
Right to Limit	Limit use of sensitive personal information to only what is necessary to provide our services.
Non-Discrimination	We will not discriminate against you for exercising any CCPA/CPRA rights.

To exercise your rights: email [email protected]. We will verify your identity and respond within 45 days (extendable to 90 days with notice). Requests are free of charge (up to twice per year).

Section 8

Data Security

We implement industry-standard security measures including:

SSL/TLS encryption for all data transmission (HTTPS)
Access controls limiting which personnel can access submitted data
Regular security reviews of our systems and third-party integrations
Minimal data retention — we do not store form submission data longer than necessary

Important: No method of transmission over the Internet or electronic storage is 100% secure. While we use commercially reasonable security practices, we cannot guarantee absolute security of your data.

Section 9

Children's Privacy

Our website is intended for adults 18 years of age and older. We do not knowingly collect, solicit, or retain personal information from anyone under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] and we will promptly delete such information.

Section 10

Third-Party Links & Lender Sites

Our website contains links to third-party websites including lender sites, credit bureaus, and government agencies. When you click these links, you leave our site and are subject to that site's own privacy policy and terms. We are not responsible for the privacy practices or content of any third-party site.

Notable third-party sites linked from LoanAdvisorUSA include lenders such as Regional Finance, OneMain Financial, Mariner Finance, and others. Each has its own independent privacy policy.

Section 11

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the revised policy on this page with an updated "Last Updated" date at the top.

For material changes that significantly affect your rights, we will make reasonable efforts to notify you (such as posting a prominent notice on our homepage). Your continued use of our website after changes are posted constitutes acceptance of the revised policy.

Section 12

Contact Us

For privacy-related questions, requests, or complaints:

Contact Method	Details
Privacy Requests	[email protected]
Editorial Team	[email protected]
Response Time	Within 30 days (45 days for CCPA requests)
Mailing Address	[Your Business Address — update before launch]

For non-privacy questions about our content, please visit our About Us page.

Privacy Questions?

We're committed to transparency. Contact us at [email protected] and we'll respond within 30 days.
View our Terms of Service · About LoanAdvisorUSA