Privacy Policy

LoanPayments.org, operated by Mindseed, Inc ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.

By using LoanPayments.org, you agree to the collection and use of information in accordance with this policy. Please read this policy carefully before using our services.

1. Information We Collect

Information You Provide

When you use our services, you may provide us with:

• Account Information: Name, email address, password
• Contact Information: Phone number (for SMS reminders)
• Loan Information: Loan names, due dates, payment amounts, lender names
• Payment Information: When subscribing to premium features (processed by secure third-party payment processors)
• Communications: Messages you send to us for support

Information Collected Automatically

When you access our website, we automatically collect:

• Device Information: Browser type, operating system, device type
• Log Data: IP address, access times, pages viewed, referring URLs
• Usage Data: Features used, actions taken, time spent on pages
• Location Data: Country and region (derived from IP address)

Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Keep you logged in and remember your preferences
• Understand how you use our service
• Analyze website traffic and performance
• Deliver relevant content and features

2. How We Use Your Information

We use the information we collect to:

• Provide Services: Send loan payment reminders via email and SMS
• Manage Your Account: Create, maintain, and secure your account
• Process Payments: Handle subscriptions for premium features
• Communicate: Respond to inquiries, send service updates
• Improve Services: Analyze usage to enhance features and user experience
• Ensure Security: Detect and prevent fraud, abuse, and security threats
• Comply with Law: Meet legal obligations and respond to lawful requests

3. Third-Party Services

We use trusted third-party service providers to operate our service:

4. Loan Data Sharing

We understand that your loan information is sensitive. Here's how we handle it:

We Do NOT:

• Sell your loan data to third parties
• Share your data without your explicit consent
• Use your data for purposes you haven't approved

Optional Savings Features

We may offer optional features that help you find better loan rates or refinancing opportunities. If you choose to use these features:

• You will be clearly informed about what data would be shared
• You must provide explicit, affirmative consent (opt-in)
• Data is shared only with lenders or financial partners you approve
• The purpose is solely to help you find better loan terms
• You can withdraw consent at any time

These features are entirely optional. You can use LoanPayments.org for reminders without ever sharing your loan data with third parties.

5. Data Retention

We retain your information for as long as:

• Your account is active
• Needed to provide you services
• Required by law or for legitimate business purposes

After you delete your account, we will delete or anonymize your personal information within 90 days, except where we are required to retain it for legal, regulatory, or fraud prevention purposes.

Anonymized, aggregated data (which cannot identify you) may be retained indefinitely for analytics and service improvement.

6. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption: Data transmitted via HTTPS/TLS encryption
• Secure Storage: Data stored on secure servers with access controls
• Password Protection: Passwords are hashed using industry-standard algorithms
• Access Controls: Limited employee access on a need-to-know basis
• Monitoring: Systems monitored for security threats

While we strive to protect your information, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but will notify you of any breach as required by law.

7. Your Rights

You have the right to:

• Access: Request a copy of the personal data we hold about you
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data
• Portability: Request your data in a portable format
• Opt-Out: Unsubscribe from marketing communications
• Withdraw Consent: Revoke consent for optional data sharing

To exercise these rights, contact us at privacy@loanpayments.org. We will respond within 30 days.

8. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: What personal information we collect, use, and disclose
• Right to Delete: Request deletion of your personal information
• Right to Opt-Out: Opt out of the "sale" of personal information
• Right to Non-Discrimination: Equal service regardless of exercising your rights

We do not sell personal information. If this changes, we will provide a clear opt-out mechanism.

To submit a CCPA request, email privacy@loanpayments.org with "CCPA Request" in the subject line.

9. Children's Privacy

LoanPayments.org is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us at privacy@loanpayments.org. We will promptly delete such information.

10. Do Not Track Signals

Some browsers offer a "Do Not Track" (DNT) setting. Currently, there is no industry standard for responding to DNT signals. As a result, we do not currently respond to DNT browser signals. However, you can manage cookies through your browser settings and opt out of analytics tracking where applicable.

11. International Users

LoanPayments.org is operated from the United States. If you are accessing our service from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States.

By using our service, you consent to the transfer of your information to the United States and the processing of your information in accordance with this Privacy Policy and U.S. law.

12. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

13. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes:

• We will update the "Last Updated" date at the top of this page
• We will notify you via email (if you have an account)
• We may display a prominent notice on our website

Your continued use of the service after changes are posted constitutes acceptance of the updated policy.

14. Contact Us

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