Privacy Policy

We collect only the information needed to operate the Site and provide its features:

• Account information — name, email address, and a securely hashed password when you register
• Q&A & consultation submissions — questions, replies, and consultation requests you submit
• Contact form submissions — name, email, and message when you contact us
• Newsletter sign-ups — your email address if you subscribe for Guide Book access or updates
• Technical data — IP address, browser user-agent, and pages visited, used for security (spam/abuse prevention) and basic page-view statistics

We do not collect Social Security numbers, bank account numbers, or any payment information — FaqLoan.com does not charge for any service.

• To create and manage your account and authenticate logins
• To display your Q&A posts and replies and notify you of moderation status
• To respond to contact form and consultation requests
• To send Guide Book access links and occasional educational emails to subscribers
• To detect and prevent spam, fraud, and automated abuse (rate limiting, IP blocking, reCAPTCHA verification)
• To understand aggregate site usage (which pages are most visited) so we can improve content

We use a session cookie to keep you logged in and to protect forms from cross-site request forgery (CSRF). This cookie is required for the Site to function and contains no personally identifiable information by itself.

We may use standard, privacy-respecting analytics to understand aggregate traffic patterns (e.g., which pages are viewed and how often). This data is used internally and is not sold to third parties.

We use Google reCAPTCHA on certain forms (login, registration, contact, Q&A replies) to prevent spam and automated abuse. reCAPTCHA may set its own cookies and is subject to Google's Privacy Policy.

If you subscribe to our newsletter or create an account, we may email you:

• A link to access the free Loan Guide Books
• Replies or status updates related to your Q&A posts or consultation requests
• Occasional educational tips or site updates

We do not sell, rent, or share your email address with third-party marketers. You may unsubscribe from non-essential emails at any time using the link provided, or by contacting us.

Passwords are stored using one-way industry-standard hashing and are never stored or transmitted in plain text. We use reasonable administrative and technical safeguards — including rate-limiting, IP blocklisting, and bot-detection measures — to protect against unauthorized access, misuse, or disclosure of data.

No method of transmission or storage is 100% secure, and we cannot guarantee absolute security. If we become aware of a data breach affecting your personal information, we will notify affected users as required by applicable law.

We do not sell your personal information. We may share limited data with trusted service providers who help us operate the Site, including:

• Email delivery providers — to send transactional and newsletter emails
• Google reCAPTCHA — to verify form submissions are from humans, not bots
• Hosting & infrastructure providers — to store data and serve the Site securely

These providers are only permitted to use your data to perform services on our behalf. We may also disclose information if required by law, subpoena, or to protect the rights, safety, or property of FaqLoan.com, our users, or the public.

You may:

• Review and update your account information from your dashboard
• Request a copy of the personal data we hold about you
• Request deletion of your account and associated personal data
• Unsubscribe from newsletter emails at any time

To exercise any of these rights, contact us via the Contact Page. We will respond within a reasonable timeframe.

FaqLoan.com is not directed to children under 18, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can remove it.

We may update this Privacy Policy periodically to reflect changes in our practices or for legal reasons. The “Last Updated” date at the top of this page reflects the most recent revision. We encourage you to review this page periodically.

If you have questions about this Privacy Policy or how your data is handled, please reach out via our Contact Page.