Privacy Policy

1. Overview & Scope of Policy

This Privacy Policy describes how Greenline Loans collects, uses, protects, and discloses personal information obtained from individuals who visit our website (greenslineloans.com), utilize our financial education resources, interact with our interactive loan estimation tools, or submit a request to be connected with third-party participating lending providers.

By accessing or using our services, you acknowledge that you have read, understood, and consented to the practices described in this Privacy Policy. If you do not agree with any portion of this policy, you should discontinue use of our website immediately.

2. Gramm-Leach-Bliley Act (GLBA) Financial Privacy Notice

The federal Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) requires financial institutions and referral partners to disclose how they collect, share, and protect non-public personal information (NPI). The table below outlines our sharing practices and your ability to limit sharing.

*Note: When you submit an explicit loan inquiry form, you are directing Greenline Loans to share your inquiry information with participating providers so they can present loan options.

3. Categories of Information We Collect

Depending on your interactions with our website, we may collect several distinct categories of personal information:

A. Information You Voluntarily Provide

• Contact Identifiers: Full legal name, residential mailing address, email address, primary phone number, and preferred contact time.
• Loan Request Criteria: Requested principal amount, intended loan purpose (e.g., debt consolidation, emergency medical, auto repair, home improvement), and desired repayment duration.
• Employment & Income Estimates: General monthly income range, primary income source (employment, self-employment, benefits, retirement), employer tenure, and pay frequency.
• Banking Profile (General): Bank account type (checking or savings) and direct deposit qualification status (required by lenders for electronic ACH disbursement).

B. Automatically Collected Technical Information

• Device & Connection Data: Internet Protocol (IP) address, operating system, browser brand and build version, device hardware model, screen resolution, and language settings.
• Usage & Clickstream Metrics: Referral website URL, pages viewed on our site, duration per page, scroll depth, search queries entered into calculators, and exit links clicked.
• Approximate Location Data: Non-precise geolocation (state and city level derived from IP address) utilized solely to verify regional lending availability.

4. Sources of Personal Information

We obtain personal information through the following channels:

• Direct Consumer Submissions: Information provided directly when submitting a loan inquiry, using interactive calculation tools, subscribing to updates, or contacting customer support.
• Automated Data Collection: Cookies, web server logs, local browser storage, and transparent pixel tags deployed across our web properties.
• Third-Party Business Partners: Licensed lead-routing platforms, verification services, fraud detection networks, and analytics service providers (e.g., Google Analytics).

5. How We Utilize Your Data (Purposes of Processing)

We process your personal information strictly for legitimate commercial and business operations:

• Loan Matching & Referral: Matching your financial inquiry parameters against participating lending criteria to identify lenders licensed in your state.
• Customer Service & Communication: Responding to consumer inquiries, delivering confirmation receipts, and providing transactional updates.
• Product & Educational Improvements: Analyzing aggregated behavioral patterns to optimize our repayment calculators, educational guides, and mobile interface responsiveness.
• Fraud Detection & Security: Monitoring for malicious bots, automated brute-force attacks, multi-inquiry spamming, and fraudulent identity submissions.
• Legal & Regulatory Compliance: Maintaining audit trails required by state lending regulators, the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), and judicial subpoenas.

6. Disclosure to Participating Lenders & Third Parties

Greenline Loans is not a bank or direct lender. To fulfill the purpose of our service, we may disclose personal information to the following categories of recipients:

• Participating Lending Partners: When you submit a request, your information is routed to independent lenders within our lending network. Each lender evaluates your profile according to its own independent underwriting standards.
• Authorized Technology Vendors: Cloud infrastructure hosts, database management providers, and transactional email gateways bound by confidentiality agreements.
• Legal Authorities & Fraud Prevention Bodies: When compelled by law, subpoena, court order, or to protect the vital safety, property, and legal rights of our users or the public.
• Corporate Successors: In the event of a merger, corporate restructuring, divestiture, or sale of substantial assets, consumer data may constitute a transferred business asset under appropriate confidentiality covenants.

7. Credit Inquiries & Fair Credit Reporting Act (FCRA) Disclosures

Understanding how your credit profile is reviewed is essential to responsible borrowing:

• Greenline Loans Does Not Pull Credit: Simply browsing our website, utilizing our repayment calculators, or exploring general informational guides does NOT involve a credit bureau inquiry and has zero impact on your credit score.
• Participating Lender Inquiries: When you submit an inquiry to be connected with lenders, participating lending partners may conduct an initial "soft" credit inquiry through major consumer reporting agencies (Equifax, Experian, TransUnion) or alternative credit verification services (such as LexisNexis, FactorTrust, or DataX). Soft inquiries do NOT adversely impact your FICO® score.
• Formal Credit Applications: If a participating lender presents a loan agreement and you formally proceed, the lender may perform a "hard" credit inquiry, which may temporarily affect your overall credit score.
• FCRA Consumer Rights: Under the Fair Credit Reporting Act (15 U.S.C. § 1681), you have the right to know what is in your credit file, dispute inaccurate credit data, and obtain one free copy of your credit report every 12 months from each nationwide credit bureau via AnnualCreditReport.com.

8. Cookies, Pixels & Tracking Technologies

We and our analytical partners use cookies, web beacons, and local storage to ensure smooth site navigation, record calculator input states during your active session, and compile anonymous website performance statistics.

• Strictly Necessary Cookies: Required to enable core security protocols, session management, and CSRF token verification.
• Functional & Preference Cookies: Remember your loan calculator presets (e.g., preferred term duration) across page reloads.
• Analytical Cookies: Help us understand how visitors discover and navigate our articles, identify high-traffic resources, and resolve technical bugs.

Browser Cookie Management: Most internet browsers permit you to reject or delete cookies through browser settings. Please note that disabling cookies may impair the functionality of interactive calculators or session retention on our website.

"Do Not Track" & Global Privacy Control (GPC): We recognize and respect Global Privacy Control (GPC) signals sent by compatible web browsers, treating them as valid requests to opt out of third-party cross-context behavioral tracking where mandated by state law.

9. Security & Encryption Protocols

We implement robust physical, technical, and administrative safeguards to protect your personal information against unauthorized disclosure, interception, or destruction:

• Transport Layer Security (TLS 1.3 / 256-Bit): All data transmitted between your browser and our servers is secured using modern TLS encryption protocols.
• Access Control & Least Privilege: Access to personal records is restricted exclusively to vetted personnel and automated routing processes requiring two-factor authentication (2FA).
• Routine Vulnerability Assessments: Systems undergo continuous automated security scans and vulnerability patching to mitigate emerging cyber risks.

Disclaimer: While we adhere to rigorous commercial security protocols, no method of transmission over the internet or method of electronic storage is completely infallible. We encourage consumers to maintain strong personal computer defenses and never share login credentials.

10. Data Retention & Disposal Standards

We retain personal data only for as long as reasonably necessary to fulfill the specific purposes outlined in this policy, including:

• Facilitating the transmission of your active loan inquiry to participating providers.
• Satisfying legal, accounting, anti-fraud, or regulatory compliance mandates (typically up to 5 to 7 years in accordance with applicable state lending record retention laws).
• Resolving disputes, enforcing our Terms of Use, and defending against legal claims.

Upon expiration of the applicable retention period, records are irreversibly anonymized or destroyed using secure cryptographic deletion procedures.

11. Children's Online Privacy Protection Act (COPPA)

Greenline Loans is intended strictly for adults who have reached the legal age of majority in their state of residence (minimum 18 years old; 19 in Alabama and Nebraska). We do not knowingly solicit, collect, or maintain personal information from children under the age of 18.

If we become aware that an individual under 18 has submitted information through our site, we will promptly delete all associated data from our servers. Parents or guardians who believe their child has submitted data may contact us immediately at [email protected].

12. State-Specific Consumer Privacy Rights

Residents of several U.S. states enjoy expanded privacy protections under state statutes, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA/CPRA), Colorado Privacy Act (CPA), Connecticut Data Privacy Act (CTDPA), Virginia Consumer Data Protection Act (VCDPA), and Utah Consumer Privacy Act (UCPA).

A. California Resident Rights (CCPA / CPRA)

If you are a California resident, you possess the following statutory rights:

• Right to Know / Access: You may request disclosure of the specific pieces and categories of personal information collected about you, the categories of sources, the business purposes for collecting or sharing it, and the categories of third parties with whom it was shared during the preceding 12 months.
• Right to Request Deletion: You may request that we delete personal information collected from you, subject to legal exceptions (such as complying with statutory financial record-keeping mandates).
• Right to Correct Inaccuracies: You may request the correction of inaccurate or incomplete personal information maintained in our active databases.
• Right to Opt Out of Sale or Sharing: You have the absolute right to direct us not to "sell" or "share" your personal data for cross-context behavioral advertising.
• Right to Non-Discrimination: We will never deny services, charge different interest rates, or provide an inferior quality of service because you exercised any of your CCPA/CPRA rights.

B. California "Shine the Light" Disclosure

Under California Civil Code § 1798.83, California residents may once per calendar year request information regarding disclosures of personal information to third parties for their direct marketing purposes during the immediately preceding year. Submit requests with the subject "California Shine the Light" to [email protected].

C. Rights for Residents of CO, CT, UT, and VA

Residents of Colorado, Connecticut, Utah, and Virginia possess comparable rights to confirm whether we process their personal data, access such data, obtain it in a portable format, request correction or deletion, and opt out of profiling or targeted advertising. In the event we deny a verified request, residents of these states have the right to appeal our decision by emailing our Privacy Office.

13. Opt-Out & "Do Not Sell or Share My Personal Information"

You retain continuous control over your communications and information sharing preferences:

• Email Communications: Every promotional email transmitted by Greenline Loans contains an automated, single-click "Unsubscribe" link in the footer. Clicking this link immediately removes your address from future promotional distributions.
• Data Sharing Opt-Out: To opt out of non-essential third-party sharing or submit a formal "Do Not Sell or Share My Personal Information" directive, send an email to [email protected] with the subject line "Privacy Rights Request".
• Verification Protocol: To protect consumer privacy and prevent unauthorized data disclosures, we verify consumer requests by matching at least two data points provided in your request (such as your full legal name and email address) against records in our database before processing access or deletion requests.
• Response Timeline: We respond to verifiable consumer requests within forty-five (45) calendar days of receipt. In complex circumstances, an extension of up to 45 additional days may be utilized with prior written explanation.

14. Third-Party Links & External Lenders

Our website contains links to external websites, including participating lenders, financial calculators, educational tools, and third-party application forms. Once you click an external link or are redirected to a participating lender's web portal, Greenline Loans no longer controls the collection or processing of your information.

Interactions on external domains are governed strictly by the respective third party's privacy policy, terms of service, and electronic consent disclosures. We strongly advise consumers to review the privacy policy of any third-party website before submitting sensitive financial credentials.

15. Policy Revisions & Amendments

We reserve the right to amend, update, or modify this Privacy Policy at our discretion to reflect shifts in lending regulations, business operations, or technical infrastructure.

When modifications occur, we will update the "Last Updated" timestamp at the top of this document. For material updates affecting how we handle consumer information, we will provide prominent notice on our homepage. Your continued use of our website following the posting of updated terms constitutes binding acceptance of all revisions.

16. Contact Our Privacy Officer

If you have questions, comments, or concerns regarding this Privacy Policy, our data protection protocols, or wish to exercise your statutory privacy rights, please reach out to our dedicated Privacy and Compliance Office: