Privacy Policy & CCPA Rights

1. Who We Are

OppLoans Apply USA ("we," "us," or "our") operates the website opploansapplyusa.com (the "Site"). We are an independent editorial review and information website providing consumer information about OppLoans personal loans and other financial products.

Important: We are NOT affiliated with, endorsed by, sponsored by, or operated by OppFi, Inc., OppLoans, or any of their bank partners. OppLoans and OppFi are registered trademarks of their respective owners. Any use of these trademarks is for editorial identification purposes only.

2. Information We Collect

We collect several categories of information depending on how you interact with our Site.

2.1 Information You Provide Directly

Contact information — when you contact us through our website, email, or feedback forms
Loan application information — when you submit a loan inquiry through our partner-operated forms (see Section 6)
Communication preferences — any settings you configure for how we communicate with you

2.2 Information Collected Automatically

Device and browser information — IP address, browser type and version, operating system, screen resolution
Usage data — pages visited, time spent on pages, referring URLs, exit pages, click patterns
Location data — approximate geographic location derived from your IP address (city/state level, not precise GPS)
Cookies and similar technologies — see Section 4 for full details

2.3 Information from Third Parties

Analytics providers — aggregated site usage data from Statcounter (page views, referrers, no personal identifiers)
Affiliate networks — conversion attribution data from APIdiamond and related affiliate partners
Social media platforms — if you interact with our social media accounts

3. How We Use Your Information

We use the information we collect for the following purposes:

Operate, maintain, and improve our Site and its editorial content
Respond to your inquiries, comments, or requests
Analyze site traffic patterns and content performance
Fulfill our editorial mission of providing accurate, unbiased consumer financial information
Prevent fraud, spam, and abuse of our Site
Comply with applicable laws, regulations, and legal processes
Facilitate the loan application process through our affiliate partners (with your explicit consent)

4. Cookies & Tracking Technologies

This Site uses cookies and similar tracking technologies to enhance your experience and to collect information about site usage.

4.1 Types of Cookies We Use

Essential cookies — required for basic site functionality (page navigation, form submission)
Analytics cookies — Statcounter for measuring site traffic and page views (no personal identifiers collected)
Affiliate cookies — track referrals to loan partners for compensation attribution
Preference cookies — remember your display preferences and site settings

4.2 Managing Cookies

Most browsers allow you to refuse or delete cookies through browser settings. Note that disabling cookies may impair certain site features, including our loan comparison and application tools. For general online tracking opt-out mechanisms, see:

Network Advertising Initiative opt-out: optout.networkadvertising.org
Digital Advertising Alliance opt-out: optout.aboutads.info

5. Third-Party Services & Affiliate Disclosure

This Site participates in affiliate marketing programs, most notably through APIdiamond.com. When you click certain links or submit inquiries through our Site, we may receive compensation.

FTC Disclosure (16 CFR Part 255): All affiliate relationships are clearly disclosed. Compensation we receive does not influence our editorial assessments, recommendations, or scoring. Our editorial team operates under a strict compensation firewall.

5.1 Third-Party Service Providers

We use the following third-party services, each with its own privacy policy:

APIdiamond.com — loan application form processing and affiliate network
Statcounter — anonymous traffic analytics (no personal identifiers)
Google Fonts — web font delivery (no cookies set)
Hosting providers — infrastructure hosting

6. Loan Application Data

Loan application forms embedded on this Site are operated by APIdiamond.com and its lending network partners. When you submit a loan application:

Your personal and financial information is transmitted directly to APIdiamond and their participating lenders
APIdiamond and the lenders will process your application under their own privacy policies
OppLoans Apply USA does not receive or store your Social Security Number, bank account details, or full loan application data
We may receive aggregated conversion data (e.g., "an application was submitted from this page") for compensation attribution

Please review APIdiamond's Privacy Policy and any specific lender's privacy policy before submitting a loan application.

7. Data Sharing & Sale of Information

We do not sell your personal information as "sale" is defined under the California Consumer Privacy Act (CCPA), Virginia Consumer Data Protection Act (VCDPA), or similar laws.

We may share information in these limited circumstances:

With third-party service providers who help us operate the Site (analytics, hosting, form processing)
With affiliate partners when you initiate a loan inquiry (with your knowledge and consent)
To comply with legal obligations, court orders, or valid governmental requests
To protect our legal rights or investigate potential fraud or violations of our Terms
In connection with a merger, acquisition, or asset sale (with prior notice to you)

8. Data Security

We implement reasonable administrative, technical, and physical security measures to protect information in our possession. These include:

HTTPS/TLS encryption for all data transmitted between your browser and our Site
Access controls and authentication for our administrative systems
Regular security updates to our infrastructure and software
Selection of reputable third-party service providers with strong security practices

No system is perfectly secure. While we work to protect your information, we cannot guarantee absolute security. Users transmit information at their own risk.

9. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this policy or as required by law:

Contact form submissions: Up to 24 months
Analytics data: Statcounter aggregated data retained up to 12 months (no personal identifiers stored)
Server logs: Up to 12 months
Affiliate conversion data: As required by our affiliate agreements, typically up to 36 months

10. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

Right to access — request a copy of the personal information we hold about you
Right to correction — request correction of inaccurate information
Right to deletion — request deletion of your personal information (subject to legal exceptions)
Right to opt out — opt out of targeted advertising or profiling
Right to portability — receive your data in a structured, machine-readable format
Right to non-discrimination — not be discriminated against for exercising your privacy rights

To exercise these rights, contact us using the information in Section 15. We will respond within 45 days of receiving your verified request.

11. California Consumer Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

Right to know what personal information we collect, use, disclose, and sell (we do not sell)
Right to delete personal information we have collected from you
Right to correct inaccurate personal information
Right to limit use and disclosure of sensitive personal information
Right to opt out of the sale or sharing of personal information (we do not sell or share for cross-context behavioral advertising)
Right to non-discrimination for exercising your CCPA rights

We collect the following categories of personal information: identifiers, internet/electronic activity, geolocation data, and inferences drawn from that information. We use this information for the operational purposes described in Section 3.

California residents may submit a request via email to the contact information in Section 15.

12. Children's Privacy

This Site is not directed at individuals under 18 years of age and we do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, contact us immediately at the address in Section 15 and we will promptly delete such information.

13. International Data Transfers

This Site is operated for a US audience and hosted in the United States. If you access this Site from outside the United States, your information will be transferred to, stored, and processed in the US. By using this Site, you consent to this transfer. If you are a resident of the European Union or United Kingdom, we recommend that you review this policy and only use this Site if you accept these terms.

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes:

We will update the "Last Updated" date at the top of this policy
We will post a prominent notice on our Site for at least 30 days
For substantial changes, we may notify you by email if we have your address

Continued use of the Site after changes take effect constitutes acceptance of the revised policy.

15. Contact Us

If you have questions, comments, or requests regarding this Privacy Policy or our privacy practices, please contact us:

OppLoans Apply USA — Privacy Team

Email: [email protected]

Website: opploansapplyusa.com

We aim to respond to all privacy-related inquiries within 15 business days. Verified deletion or access requests will be fulfilled within 45 days as required by applicable law.

Privacy Policy

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