1. Information We Collect

LoanKey.org collects information in two primary ways: information you provide directly, and information collected automatically when you visit our website.

Information You Provide

When you interact with forms, subscribe to newsletters, or contact us directly, we may collect:

• Your name and email address (if you subscribe to rate alerts or our newsletter)
• Your general loan inquiry details (loan type, estimated amount range) if submitted through our comparison tools
• Any messages or correspondence you send through our contact form

Information Collected Automatically

When you visit LoanKey.org, our servers and third-party analytics tools automatically collect certain information, including:

• IP address and approximate geographic location (city/state level)
• Browser type, version, and operating system
• Pages visited, time spent on pages, and navigation paths
• Referring website or search query that brought you to our site
• Device type (desktop, mobile, tablet) and screen resolution
• Date and time of your visit

2. How We Use Your Information

LoanKey.org uses collected information for the following purposes:

• To operate and improve the website — Understanding how visitors use our site helps us improve content quality, navigation, and rate comparison tools.
• To deliver personalized content — We may use browsing behavior to suggest relevant loan types or articles based on your interests.
• To send communications — If you have subscribed to our email list, we may send rate updates, new lender reviews, and financial tips. You may unsubscribe at any time.
• To comply with legal obligations — We may process your data as required by applicable law.
• To serve relevant advertisements — We use Google AdSense and other advertising partners to display ads that may be relevant to your financial interests.
• To detect and prevent fraud — We monitor traffic patterns to identify and block malicious or fraudulent activity.

3. Information Sharing & Disclosure

LoanKey.org does not sell, rent, or trade your personal information to third parties for their own marketing purposes. We may share your information only in the following circumstances:

Service Providers

We work with trusted third-party vendors who help us operate our website, including analytics providers (Google Analytics), email service providers, and hosting companies. These providers access your data only to perform services on our behalf and are contractually obligated to protect it.

Advertising Partners

We participate in Google AdSense and other affiliate programs. These advertising networks may use cookies and similar technologies to display ads based on your browsing history. Please see Section 5 for more details.

Legal Requirements

We may disclose your information if required by law, court order, or government authority, or if we believe disclosure is necessary to protect the rights, property, or safety of LoanKey.org, its users, or the public.

Business Transfers

In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity. We will notify you of any such change via a prominent notice on our website.

4. Cookies & Tracking Technologies

LoanKey.org uses cookies and similar tracking technologies to enhance your experience on our site. Cookies are small text files stored on your device when you visit a website.

Types of Cookies We Use

• Essential Cookies: Required for the website to function properly. These cannot be disabled.
• Analytics Cookies: Used by Google Analytics to collect anonymous data about how visitors use our site, helping us improve performance and content.
• Advertising Cookies: Used by Google AdSense and affiliate partners to deliver relevant advertisements based on your interests and browsing behavior.
• Preference Cookies: Remember your settings and preferences across visits.

You can control or disable cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our website. For more information about managing cookies, visit allaboutcookies.org.

5. Google AdSense & Third-Party Advertising

LoanKey.org uses Google AdSense to display advertisements. Google, as a third-party vendor, uses cookies to serve ads based on a user’s prior visits to our website and other sites on the internet.

Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to LoanKey.org and/or other websites. You may opt out of personalized advertising by visiting Google’s Ads Settings at adssettings.google.com.

We also participate in affiliate programs with financial lenders and comparison platforms. When you click on a lender link and are approved for a loan, LoanKey.org may receive a referral commission. This does not affect the rate you receive or our editorial assessment of the lender.

6. California Privacy Rights (CCPA)

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you specific rights regarding your personal information:

• Right to Know: You have the right to request information about the categories and specific pieces of personal information we have collected about you.
• Right to Delete: You have the right to request deletion of personal information we have collected, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt out of the sale of your personal information. LoanKey.org does not sell personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To exercise your California privacy rights, please contact us at the information provided in Section 11.

7. Children’s Privacy

LoanKey.org is intended for adults aged 18 and older. Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently collected personal information from a child under 13, we will take steps to delete such information promptly. If you believe we have collected information from a child, please contact us immediately.

8. Data Security

We take reasonable and appropriate measures to protect the information we collect from loss, misuse, unauthorized access, disclosure, alteration, and destruction. Our website is served over HTTPS with SSL/TLS encryption. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

9. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law. Analytics data is typically retained for 26 months. Email subscriber data is retained until you unsubscribe. Contact form submissions are retained for up to 12 months.

10. 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. When we make material changes, we will update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically. Your continued use of LoanKey.org after any changes constitutes your acceptance of the revised policy.

11. Contact Us