Advertising Disclosure

ADVERTISING DISCLOSURE

This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which impacts the location and order in which brands (and/or their products) are presented, and also impacts the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

At Loan Gospel, safeguarding the privacy rights of our users is our top priority. We have implemented and continuously maintain a robust privacy compliance framework to ensure that users have access to information and can exercise their rights regarding their personal information and privacy.

Our privacy policy has been carefully crafted to provide you with clear and concise information about the data we collect, how we use it, and the choices you have regarding certain data uses. While we have summarized the key elements of our privacy policy below for your convenience, please note that the full version of our privacy policy is the legally binding document.

It's important to highlight that our privacy policy primarily applies to website visitors. However, for certain services, we are governed by the Gramm-Leach-Bliley Act, which regulates data collection, use, and sharing practices.

Furthermore, depending on your location, specific state laws may afford you additional privacy rights. For example, if you are a resident of Vermont, rest assured that we will not share your non-public personal information with unaffiliated third parties without your consent, except as allowed by law. Additionally, we will not share your credit score with our affiliates without your consent.

If you reside in California, we invite you to review our dedicated California privacy notice, which provides specific information about your privacy rights under the California Consumer Privacy Act (CCPA).

We encourage you to familiarize yourself with our comprehensive privacy policy and the applicable notices for a complete understanding of our privacy practices. Your privacy matters to us, and we are committed to ensuring transparency and providing you with control over your personal information.

Please take a moment to carefully review the following Terms of Use before using this website (including its subdomains) known as the "Site." These terms establish the legal rights and obligations between you and Loan Gospel. ("LG," "we," "our," or "us"), the operator of the Site. By accessing or using the Site, you explicitly acknowledge and agree that you are entering into a binding legal agreement with us. You further confirm that you have understood and accepted these Terms of Use, including the Privacy Policy and the Consent for Electronic Signatures. If you do not agree to these Terms, please refrain from accessing or using the Site.

Modification: We reserve the right to modify these Terms at our discretion. Any changes will become effective ten (10) days after we post the revised Terms on the Site. By continuing to use the Site after such changes, you indicate your acceptance of the modified Terms.
Site Access and Use of the Service: The Site is intended for individuals who are at least eighteen (18) years old. If you are under 18 years of age, please refrain from visiting or using the Site. The services provided on the Site are for personal use only. By accessing and using the Site, you agree to comply with these Terms and applicable laws.
Restrictions: You are prohibited from copying, distributing, displaying, modifying, framing, or mirroring any part of the Site, its content, or trademarks (referred to as "Marks") without our prior written authorization. You may not use, modify, reproduce, distribute, display, or publish the Content (defined below) without express authorization. Disrupting servers or networks connected to the Site, using automated systems to access the Site, and circumventing security features are also prohibited.
The Integrity of Your Information: Some services on the Site require you to provide personal and sensitive information, including information about your finances. If you choose to provide such information, you are responsible for ensuring its accuracy, truthfulness, completeness, and currency. Our collection, use, and disclosure of your personal information are governed by these Terms and our Privacy Policy.
Offering Forms: The Site allows you to submit an online request ("Match Request") to be matched with third-party partners who offer financial products and services. If you engage with any of these partners, you will enter into separate agreements with each of them. LG does not guarantee that the offers provided by partners will have the best rates or terms available in the market. By submitting a Match Request, you consent to partners contacting you via various means of communication, even if your telephone number is on a Do Not Call Registry. You agree to contact specific partners directly if you no longer wish to receive communications from them. LG is not responsible for a partner's failure to comply with your request to stop contacting you.
Third-Party Sources and Content: The Site enables you to access and interact with third-party websites, services, and content ("Third Party Sources"). We do not control these Third Party Sources and disclaim responsibility for their content, terms of use, privacy policies, or actions. Your interaction with Third Party Sources is at your own risk, and you agree to waive any legal rights or remedies you may have against LG regarding Third Party Content.
Intellectual Property Rights: The Content on the Site, including text, graphics, trademarks, and other materials ("Materials"), is owned or licensed by LG and protected by applicable copyright and intellectual property laws. You may only use the Content for personal, non-commercial purposes with our prior written consent. You must retain all copyright and proprietary notices if you download or print any Content.
User Submissions: The Site may allow you to submit, host, and share content ("User Submissions"). You are solely responsible.

8.1. Responsibility.

The Site may permit the submission, hosting, sharing and publishing of Content by you and other users ('User Submissions'). You understand that whether or not such User Submissions are published, we do not guarantee any confidentiality with respect to any User Submissions. You shall be solely responsible for your User Submissions and the consequences of posting, publishing or uploading them. We have complete discretion whether to publish your User Submissions and we reserve the right in our sole discretion and without further notice to you, to monitor, censor, edit, remove, delete, and/or remove any and all Content posted on the Site (including User Submissions) at any time and for any reason.

8.2. Ownership.

You represent and warrant that you own or have the necessary rights and permissions to use and authorize the Site to use all Intellectual Property Rights (defined below) in and to your User Submissions and to enable inclusion and use thereof as contemplated by the Site and these Terms. Unless the User Submissions are separately referred to, all references herein to Content shall include references to User Submissions. "Intellectual Property Rights" means any and all rights, titles, and interests, whether foreign or domestic, in and to any and all trade secrets, patents, copyrights, service marks, trademarks, know-how, or similar intellectual property rights, as well as any and all moral rights, rights of privacy, publicity and similar rights of any type under the laws or regulations of any governmental, regulatory, or judicial authority, foreign or domestic. You retain all of your ownership rights in and to your User Submissions.

8.3. License to User Submissions.

By submitting the User Submissions to LG, you hereby grant LG a worldwide, irrevocable, non-exclusive, royalty-free, perpetual, sub-licensable and transferable license to use, reproduce, distribute, prepare derivative works of display, and perform the User Submissions in connection with the Site and LG business, including without limitation for redistributing part or all of your User Submissions (and derivative works thereof) in any media formats and through any media channels and, and you hereby waive any moral rights in your User Submissions, to the extent permitted by law. You also hereby grant each user of the Site or other viewer or user of the User Submission a non-exclusive right to use, reproduce, distribute, prepare derivative works of, display and perform such User Submissions, all in accordance with these Terms.

8.4. Prohibited Content.

You agree that you will not display, post, submit, publish, upload or transmit a User Submission that: (i) is unfair or deceptive under the consumer protection laws of any jurisdiction; (ii) is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights; (iii) creates a risk to a person’s safety or health, creates a risk to public safety or health, compromises national security, or interferes with an investigation by law enforcement; (iv) impersonates another person; (v) promotes illegal drugs, violates export control laws, relates to illegal gambling, or illegal arms trafficking; (vi) is unlawful, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, gives rise to civil liability, violates any law, or is inappropriate; (vii) involves theft or terrorism, or (viii) is otherwise malicious or fraudulent.

8.5. Exposure.

You understand and acknowledge that when accessing and using the Site: (i) you will be exposed to User Submissions from a variety of sources and that LG is not responsible for the accuracy, usefulness, safety, or Intellectual Property Rights of, or relating to, such User Submissions; and (ii) you may be exposed to User Submissions that are inaccurate, offensive, indecent, or objectionable. You hereby agree to waive and hereby do waive, any legal or equitable rights or remedies you may have against LG with respect to (i) and (ii) herein.

8.6 Complaints about Content.

LG respects the Intellectual Property Rights of others. Therefore, we encourage you to report any Content you believe violates your Intellectual Property Rights.

9. User Profile:Our services are available to both registered users and guests. This section of the Terms applies specifically to registered users. During the registration process, we may request certain contact and personal information, such as your name, email address, profile picture, address, and phone number. Mandatory fields will be clearly indicated.

Please note that providing false, incorrect, or outdated information may hinder your registration and affect our ability to deliver services to you. To log in, you will need to provide your email and password. We may also introduce additional or alternative means of identification and authentication periodically for logging in and accessing the service.

You agree to maintain strict confidentiality of your login details and refrain from disclosing them to others. It is recommended to change your password regularly, at least once every six months. You are responsible for any content you upload or provide, including any links to external websites, as part of a User Submission.

We shall not be held responsible for any consequences arising from your failure to provide accurate and complete information during the registration process or for any misuse of your profile resulting from compromised or shared login details.

If you wish to have your user profile removed, you can request its deletion. We may require additional information to verify your identity through email or alternative means before processing your request. Once your request is processed, your account will be terminated, and you will no longer have access to the service as a registered user.

Subject to these Terms, you may re-register at any time following the termination of your account by completing the registration process again.

Regardless of any available legal remedies, we reserve the right, at our sole discretion, to temporarily or permanently deny, limit, suspend, or terminate your user profile, restrict your access to the service, remove your uploaded content, and employ technical and legal measures to prevent your use of the service if we determine that:

You have misused your rights to use the service.
You have violated the Terms.
You have breached any applicable laws, rules, or regulations. Your actions or omissions are harmful or likely to be harmful to us, other users, or service providers.

10. Information Accuracy: While we strive for accuracy, we cannot guarantee that the Content available on the Site is completely accurate, reliable, current, or free of errors. We reserve the right to make changes to the Content or any part of it at our sole discretion, without prior or subsequent notice. Your use of the Content, or any part thereof, is solely at your own risk and responsibility.

11. Disclosure. We retain the right to access, read, preserve, and disclose any information obtained in connection with the Site and your usage, as deemed necessary to:(i) Comply with applicable laws, regulations, legal processes, subpoenas, or government requests.(ii) Enforce the Site Terms, including investigating potential violations.(iii) Detect, prevent, or address fraud, security issues, or technical problems.(iv) Respond to user support inquiries.(v) Safeguard the rights, property, or safety of LG, its users, or the public.

12. Links

12.1. The Site may contain links and allow you to share content on third-party websites not owned or controlled by LG. We are not affiliated with, have no control over, and assume no responsibility for the content, privacy policies, or practices of such third-party websites. By using and linking to third-party websites, you solely assume liability for your actions and release LG from any related liability. We encourage you to review the terms, conditions, and privacy policies of any third-party website you visit.

12.2. You may link to the Site provided that:

You do not replicate any page on the Site.
The hyperlink accurately describes the Site's content.
You do not misrepresent your relationship with LG or provide false information.
Your website does not contain offensive or infringing content.
You and your website comply with these Terms and applicable law.

13. Privacy. We handle personal information collected through the Site in accordance with our privacy policy, available at Privacy Policy. By providing or making personal information available to us, you agree to its use as outlined in the Privacy Policy.

14. We are not a Partner. The Site assists you in connecting with Partners based on your provided information but is not a lending institution, insurance provider, or other Partner. We do not participate in coverage or credit decisions made by referred Partners. We do not issue mortgages, credit cards, insurance coverage, or other financial products.

15. Your Financial Decisions and Responsibilities. The Site helps you find Partners based on your needs and information, but we do not endorse or control Partner products or services. We are not your agent or advisor, and we do not validate or investigate Partner qualifications. You are solely responsible for evaluating and vetting each Partner before engaging with them. Your financial decisions are your own, and you rely on your own judgment when selecting Partner products or services.

16. Warranty Disclaimers.

16.1. These disclaimers apply regardless of whether services are paid for. Certain exclusions may not apply according to applicable law.

16.2. We do not warrant or represent the terms, rates, fees, quotes, or services offered by Partners or third-party sources. We do not guarantee that their offerings are the best available. The Site is provided "as is" and "as available," without warranties of any kind. LG disclaims all warranties, express or implied, including but not limited to merchantability, title, fitness for a particular purpose, non-infringement, and those arising by statute or from a course of dealing or usage of trade.

16.3. Our content and services aim to assist you with financial decisions but may not consider your specific financial situation. It is your responsibility to seek additional information and advice from qualified professionals aware of your circumstances. LG does not endorse or guarantee user-submitted content and disclaims liability for such content.16.4. Your use of the Site content or interaction with third-party features is at your own risk. You are responsible for reading and complying with the terms and conditions of third-party sources. LG is not liable for any claims or damages arising from disputes with third parties resulting from your use of the Site.

17. Limitation of Liability:

17.1. To the maximum extent permitted by applicable law, LG shall not be held liable for any indirect, exemplary, special, consequential, or incidental damages of any kind, or for any loss of data, revenue, profits, or reputation arising under these terms or as a result of your use of, or inability to use, the site, even if LG has been advised of the possibility of such damages or losses. Please note that in certain jurisdictions, the limitation or exclusion of liability for incidental or consequential damages may not be enforceable, and therefore, the above limitations may not apply to you.

17.2. Under no circumstances shall LG’s total liability for any and all damages arising under these terms or as a result of your use of, or inability to use, the site exceed the total amount of US$100.

18. Indemnity: You agree to indemnify, defend, and hold LG, our affiliates, and our respective officers, directors, employees, and agents harmless from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from:

your use of, or inability to use, the site;
your user submissions;
your interaction with any site user; or
(IV)your violation of these terms.

19. Term and Termination: These terms remain in effect until terminated by LG or you. LG reserves the right, in its sole discretion, to terminate these terms and/or your access to the site, or any part thereof, at any time and with or without cause (including, but not limited to, for a breach of these terms). LG shall not be liable to you or any third party for the termination of the site or any part thereof. If you object to any term or condition of these terms, or any subsequent modifications, or if you become dissatisfied with the site in any way, your only recourse is to immediately discontinue the use of the site. Upon termination of these terms, you must cease all use of the site. This section 17 and sections 5 (Sharing Your Information), 7 (Intellectual Property Rights), 11 (Privacy), 14 (Warranty Disclaimers), 15 (Limitation of Liability), 16 (Indemnity), and 19 (General) will survive the termination of these terms.

20. Assignment: You may not transfer or assign these terms or any rights and licenses granted hereunder. However, LG may assign these terms without any restriction or notification to you.

21. General: LG reserves the right to discontinue or modify any aspect of the site at any time. These terms and the relationship between you and LG shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. You agree to submit to the personal and exclusive jurisdiction of the courts located in California and waive any jurisdictional, venue, or inconvenient forum objections to such courts. These terms constitute the entire agreement between you and LG regarding the site. If any provision of these terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect. No waiver of any term of these terms shall be deemed a further or continuing waiver of such term or any other term, and a party's failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision. YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION OCCURS OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

This privacy policy ("Privacy Policy") is designed to describe Loan Gospel (“LG”, "we", "our" or "us") data collection practices in connection with this site (together with its subdomains, features, and services available thereon, the "Site"), and in connection with your use or engagement with any feature, content, offer, element or service we make available to you via the Site (the “Services”).

We reserve the right, in our sole and absolute discretion, to change this Privacy Policy at any time. In which case, we will post the modified Privacy Policy on the Site, and the “Last Updated” statement at the bottom shall reflect the effective date of the modified version. Any access or use you make of the Site following such date, constitutes your consent and acceptance of the modified Privacy Policy. If we make significant changes, we will make sure to provide more prominent notice to you, such as posting a notification on the Site, seven (7) days before the changes become effective. In which case, the changes will be effective seven (7) days after such notification was published.

1. Terms of Use. This Privacy Policy forms an integral part of the Site’ Terms of Use (the "Terms"). Any capitalized term in this Privacy Policy that we don't define, will have the meaning given to it in the Terms.

2. Our Legal Bases of Processing. We process and use Personal Information in accordance with data protection laws. Our legal ground for processing your Personal Information will typically be one or more of the following:

2.1. Performance of a Contract. By accessing or using the Site, you ask us to provide the Services to you in accordance with our Terms of Use. In order to do that, we need to process some of your Personal Information (such as using your financial information to provide you with our Partners’ offers).

2.2. Legitimate Interests. We may use some of your Personal Information where we have legitimate business grounds to do so. We use this Personal Information to operate, improve and promote the Services (for example, when we customize your experience of the Services or for analytics purposes) and to protect our business (for example, to prevent fraud or ensuring the Site security).

2.3. Legal Obligations. In some cases, our use of your personal information will be necessary to comply with regulatory obligations or legal requirements (for example, addressing complaints from users or authorities);

2.4. Consent. In certain cases, we will ask for your consent to process and use your Personal Information in order to provide additional services (for example, when you subscribe to our newsletters, provide us Personal Information to get personalized loan offers or add a review on a service or product). When we rely on consent as our legal basis of processing You may ask to withdraw your consent by sending us a request to business@loangospel.com. Once we have verified your request, we will contact you.

3. Information We Process. When you visit the Site, or use the Services we may collect certain information about your visit and usage of the Site and the Services, in one or more of the following ways:

3.1. Information You Provide to Us. Some of the Services will require you to provide or submit certain Personal Information in order to be able to use them. Such Services and features are subject to your specific and active consent and choice (e.g. providing your financial information to be contacted with potential loan offers from Partners, subscribing to newsletters which may become available in certain Sites from time to time, and more) , and some will be collected upon your consent to this Privacy Policy, as described below.

For the purposes of this Privacy Policy, "Personal Information" means information that may be used, either alone or in combination with other information, to personally identify an individual, such as a first and last name, an email address, phone number, a home or other physical address, and other contact information. In some jurisdictions and given the specific use we make with the information, an IP address that your Internet service provider allocates for your device, may also be considered as Personal Information. In which case, we will be treating the IP address as personal in all handling and safeguarding aspects.

3.1.1. Third Party Forms and Services: The Site lists, rates and compares various 3rd party businesses, lending partners, platforms, brands and commercial entities in the financial services market (collectively, "Partners") and their respective products and/or services (collectively, "Products"). We may, from time to time, provide you with offers, services and Products of Partners via an online request to be filled by you, upon your intent choice and consent, and such information will be used to facilitate your connection and/or engagement with the relevant Partners (“Lead”). Your submission of information will also be provided directly to our Partners and will be used according to this privacy policy as well as such Partners’ own privacy policy. Additionally, if you want to receive more information about a Partner or a Product, or if you otherwise want to pursue a transaction with a Partner, and you click the relevant Partner icon or tab, you may be directed to a landing page or an online form that is owned and operated by the Partner (the "Landing Page"); similarly, you may also be directed to the Landing Page through other websites and online searches. In either case, however, you may be prompted to submit certain information on the Landing Page, including Personal Information such as your name, email address, and phone number (such information collectively, "Landing Page Info"). The Landing Page Info that you submit is collected directly by the Partner who provided it and will include its own privacy policy and data collection practices information. We advise you to refer to such a privacy policy to better understand the purpose of collection and use of the Personal Information you submit.

3.1.2. Contact Us. If you send us a ‘Contact Us’ (or similar) request, whether by submitting an online form that we make available, by sending an email to an email address that we display, by using a feedback or reporting feature that is available on the Site, or by other means, you may be required to provide us with certain Personal Information, such as your name and email address. Such information, including the content of your approach, will be used for the purposes of processing and addressing your request and for our legitimate business purposes, as further described in section 4 and 5 of this Privacy Policy.

3.1.3. Blogs, Newsletters, Surveys and Promotions. The Site may contain a blog forum, reviews, and articles displaying information about our services, Partners, Products, and the relevant market vertical. The Site may also offer you the opportunity to subscribe to newsletters and participate in surveys and other promotional activities (some of which may be administered by us, and some of which may be administered by third party services with which we engage). In each of the foregoing cases, your interaction (such as responding on the blog forum, subscribing to a newsletter, or participating in a survey) may require you to provide certain Personal Information such as your name and email address.

3.2. Information We Collect from You. We collect information about your use of the Services and your interaction with the Site or the Services, as follows, and in the following ways:

3.2.1. Device Information: For delivering and compatibility purposes, so as for language, geographic location and time zone, we collect device information such as: device type and version, operating system type, language and version, and information that can be extracted out of a user agent, such as browser type and version, screen resolution.

3.2.2. Interactions and Usage: In order to provide the Services, operate the Site, and keep improving it, so as to be able to sync with our Partners and affiliates, we collect information about your interaction and use of the Services, such as: URLs from which you were directed to the Site and to which you are referred from the Site, internal URL’s of the Site in which you visited and your actions with respect to the Services (such as view or click), date/time stamp of Site use, timing for clicks and page-views.

3.2.3. Log Files: We collect information through server log files, but also by deploying tracking technologies within the Site, such as pixel tags. We do this to analyze trends, track user’s engagement and interaction with the Site and respective Services. The type of information collected may include internet protocol (IP) addresses that your Internet Service Provider allocated to your device. We collect IP for limited time and for specific purposes. One, is to better understand your geographic location (country, region, and language) and therefore be able to provide the Services in your own language and relevant to your place of origin. Second, we use automated tools to analyze IP addresses and flag those that are fraudulent. Third, we may retain your IP address to evidence any consents you have given us or the Partners.

3.2.4. Cookies and Similar Technologies. The Site may use "cookies" and other anonymous web tracking technologies (such as "web beacons" and "pixel tags") implemented by us or by third party service providers. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that website to recognize your browser. Cookies may store your online preferences and other information about the interaction you make in the Site. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent to your browser. However, some features or services, included in the Site, may not function properly without cookies, and some features may become unavailable for you in such cases. A pixel tag is a type of technology placed on a website for the purpose of tracking activity on websites, or when emails are opened or accessed (if applicable), and is often used in combination with cookies.

Please refer to Cookie Policy for more information about the type of cookies used and the manner in which we use cookies/tracking technologies on our Site.

3.3. Information we receive from Third Parties. Like many Internet based services, the Site and the Services are operated and provided in collaboration, sync and interaction with third parties, including Partners, affiliates and other third parties. In order to enable and facilitate such sync, as well as to provide you with tailored offers and services from Partners, we may receive information from third parties, such as: an internal user identifier that out system generates to each user, details of Products you purchased, or applied for, from the Partners, and a summary of action taken by you (e.g. click, purchase, view, form submission or a phone call). In some Sites, you will be able – upon your choice – to consume the Service on a click-by-call basis. In which case, a third-party vendor/s facilitates the call transmission, tracking and feedback for success. In such cases, the phone number from which you called may be provided to us (with no other information about you attached), for limited time and for purposes of resolving referrals and successful calls with our Partners. Except for this purpose, we do not make any other use of such information, unless you will give us your explicit consent.

4. Consent, Choice and Modifications. You are not legally obligated to provide us with Personal Information (and you acknowledge that providing us with Personal Information is done freely). Nor are you required to use the Site in the first place. By using the Site and engage or interact with the Services, you consent to this Privacy Policy and to our information practices described herein. If you do not agree to this Privacy Policy, please do not access or otherwise use the Site or the Services.

Some of the Services will require you to submit specific Personal Information. In such a case you can choose whether you want to use such Services or not. Be aware that even if you provided us with your Personal Information, you have the full right to withdraw such consent at any time (please refer to section 8 below to get further details about opting out and withdrawing consent).

5. The Way We Use Personal Information. In addition to the uses of information we collect (including Personal Information, jointly “your Information”) described elsewhere in this Privacy Policy, we also use Personal Information in the following ways:

To generally provide you with the Site, Services and constantly improve them. We will use your Information to: (a) administer and make available the Site and Services to you; (b) further develop and generally improve the Site and the Services; (c) counting and tracking purposes of referrals and ads; (d) validation of users as human and anti-fraud monitoring (e) respond to your inquiries and other communications with you; (f) identify or authenticate your access and use of the Site; and (g) market to you personalized offers.

6. Sharing Your Information with Third Parties.

We do not share Personal Information about you with third parties, except for the following circumstances:

6.1. Data Storage and Security Platforms (“Data Platforms“); We use third party cloud and storage services to store and retain all Information that we collect about you. It means that we send or otherwise share your Information to/with third party entities that are located anywhere in the world, including in the U.S, for the purpose of storing such information on our behalf, or for other processing needs. These Data Platforms may be located anywhere in the world. We use Data Platforms that maintain a strict privacy protection and data security policies, and strict compliance with applicable data protection laws. However, their practices and activities are fully governed by their own privacy policies.

6.2. Social Media Platforms. We may share information with social media platforms (such as YouTube, Meta, LinkedIn etc.) for marketing and operation purposes. Such social media platforms may collect your Personal Information independently and may combine the not identified information provided by us, with your Personal Information which they collect to which you gave your separate and independent consent. Any such action and any Personal Information that may derive from it is subject to the social media's own privacy policy and is not, governed, controlled, or known by us. To the extent provided by law, you may opt-out from this data sharing according to section 9 below (Privacy Notice for California Residents).

6.3. Third Party Service Providers. We may send or otherwise share your Information to/with various third party service providers that help us with our business operations (for example, customer service operators and email or phone administration providers), that help us understand how our users use the Site and Services, operate them and to improve them.

6.4. Enforcement. We may share your Personal Information with any third party if we believe that disclosure of such information is helpful or reasonably necessary to: (a) comply with any applicable law, regulation, legal process, or governmental request; (b) enforce our Terms of Use, including investigations of potential violations thereof; (c) detect, prevent, or otherwise address fraud or security issues; and/or (d) protect against harm to the rights, property or safety of LG, our affiliated entities, our users, yourself, and/or the public.

6.5. Offerors. The Services may include submission of an online request, in case you will choose and be interested to receive offers from our Partners based on your Personal Information (”Request”). In which case, we will send your Request information or otherwise share it to/with our Partners and service providers in order for such Partners to provide you with personalized offers and to contact you with the information you have requested. When you submit a Request, both LG and offerors may contact you directly with quotes or offers via all means of communication provided by you: mail, email, telephone, text message, fax, and others. you may receive telemarketing calls from offerors or third parties on their behalf (including using an automatic telephone dialing system or an artificial or prerecorded voice) as a consequence of submitting a request through our services, even if your telephone number is registered on a state, corporate or federal do not call registry. You will be able to find the identity of the Partner with whom information is shared, or a list of such Partners and service providers with whom such Request information is shared, before you give us your consent for such sharing. In either case, you acknowledge that: (a) the Partners may contact you using the Request information which you submitted; (b) we do not control the way in which Partners may contact you, or the subject matter of such contact; and (c) each Partner is required to provide its own privacy policy, and so it would not necessarily adhere to this Privacy Policy.

6.6. Affiliates, Merger, Sale or Bankruptcy. We may share your information with our group companies (e.g. parent company, subsidiary, sister company or other affiliated entities). In the event that LG or one of our affiliated entities is acquired by, or merged with, a third party entity, or otherwise sells all or part of our/its assets, we may (and hereby reserve the right to) transfer or assign the Personal Information and other information we have collected or received. In such a case, we will require the acquiring entity to post its data practices and provide you with any of your rights as per the jurisdiction of your residency.

We may also share some non-Personal Information with the following type of third parties and under the following circumstances:

6.7. Third parties we engage or host or provide us with services and features we can offer to you, collect data from the Site and visitors’ engagement with the content and features on our behalf, or for the provisioning of their services. This happens in cases where we use or deploy third party technology, service or feature, or where we otherwise give these third parties access to our Site or technology for specific purposes, as described in the Privacy Policy or in the Site. We may use analytics tools, including Google Analytics and Taboola. These tools help us understand users’ behavior on our Site and Services, including by tracking page content, and click/touch, movements, scrolls and keystroke activities. The privacy practices of these tools are subject to their own policies and they may use their own cookies to provide their services. For further information about cookies, please see our Cookie Policy.

6.8. Google Maps. Our website includes Google Maps features and content. The use of such Google Maps features and content is subject to the then-current version of the Google Privacy Policy available at https://www.google.com/policies/privacy/.

7. Links to and Interaction with Third Party Properties. The Site may link to third party websites (such as those of Partners), content, and other online properties (collectively, "Third Party Properties"). Data associated with your clicking through to such Third Party Properties, as well as any Personal Information you provide on such Third Party Properties, is provided to the third party (although LG and its affiliated entities may have arrangements with such third parties pursuant to which such data and Personal Information is sent or shared back to/with us). We are not responsible for the privacy practices of such third parties, or for such Third-Party Properties, Products, and respective data collection practices. We encourage you to read the terms and conditions and privacy policy of each Third-Party Property that you choose to use or interact with

8. Choices and Opt-Out. It is your choice to provide us with your information for the uses described in this Privacy Policy. You can decide at any time to exercise your rights with respect to your Personal Information and the jurisdiction of your residency. For example (where applicable and relevant):

8.1. Cookies and Tracking Technologies. you may set your browser to refuse and/or block any cookies from the Site or third party services.

8.2. When applicable, review and update or request to remove your Personal Information from our servers (for more details please refer to Section 2).

9. California privacy notice. Privacy Notice for California Residents. As mentioned above, some of our data collection is governed by the GLBA. However, in some instances the California law may apply to our data sharing. If you are a California resident, this section may apply to you and supplement the main privacy policy. The California Consumer Privacy Act (CCPA) provides specific rights to California residents in relation to their personal information. As a California resident and to the extent provided by law, you may:

Request to Know/Access. You have the right to know what information we have collected, used, disclosed, or in the preceding twelve (12) months. Please read Section 3.1 (Information you provide to us), Section 3.2 (Information we collect) and Section 3.3 (Information we receive from third parties) to exercise this right. We will also disclose to you the specific pieces of personal information that we collected about you if we receive your request for such information and verify your identity.
Request to Deletion. You have the right to request that we delete from our databases any of your personal information that we collect and retain, subject to certain exceptions (such as detecting security incidents, debugging, comply with legal obligations, etc.). We will delete your personal information from our records once we verify your identity and unless an exception applies.
Request to Opt-Out from Sale of Personal Information. Though we do not currently sell personal information the California Consumer Protection Act may consider some of our use of cookies as “sale” of personal information. As a California resident you may click the “do not sell my personal information” link at the bottom of our homepage, check the box and opt out of such “sale” of information to third parties. When you opt out, you may still see general audience advertising regarding our services.
No Discrimination. We will not discriminate against you for exercising your above rights, by: (A) denying you goods or services; (B) charging you different rates for goods or services; (C) providing you with a different level or quality of goods or services; or (D) suggesting that you will receive a different price, rate, level, or quality of goods or services. We may have a different rate or provide a different level or quality of service if the difference is reasonably related to the value provided to you by your personal information we collect.
Handling Privacy Requests. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If the exercise of your right requires more time (up to 45 additional days), we will inform you of the reason and extension period in writing. We may deny your request if we couldn’t verify your request or if we must retain your personal information for certain activities (such as detecting security incidents, debugging, comply with legal obligations, etc.).

Our California Do Not Track Notice. Some web browsers offer a “Do Not Track” (“DNT”) signal. A DNT signal is an HTTP header field indicating your preference for tracking your activities on the Service or through cross-site user tracking. We do not currently respond to DNT signals. We may allow third parties, such as companies that provide us with analytics tools, to collect Personal Information about an individual consumer’s online activities over time and across different web sites and services when a user uses the Site.

10. Information Security. We, and respective third-party services/affiliate entities implement data security systems and procedures to secure the information transmitted, processed and stored on the Site, our computer servers and systems. For example, the Site is encrypted by using SSL and so as any other information at transport, we periodically review our information and data collection practices to ensure constant monitoring, we use third party processing and serving services that implement various information security standards and certifications (at rest and transmission), and we monitor and filter access to data when it comes to personnel in our organization. Such systems and procedures reduce the risk of security breaches, but they do not provide absolute security, as there is no such thing when it comes to the world-wide network. Therefore, we cannot guarantee that the Site and our servers are immune to unauthorized access to the information stored therein and to other information security risks.

11. Children’s Privacy. The Site or the Services are not designed to attract users under the age of 18. Accordingly, we do not intend to collect Personal Information from anyone we know to be under 18. If we learn that we have collected Personal Information from a child under 18, we will use commercially reasonable efforts to delete that information as quickly as possible. If you believe that we might have any such information, please contact us at: business@loangospel.com.

12. Commitment. Protecting your privacy online is an evolving practice, and we use our best efforts to evolve our Site in a manner that meets these requirements and best practices as per all jurisdictions in which the Site is available.

13. Contact Us. We try to make this Privacy Policy simple and easy to understand. However, if you have any questions you may contact us at: business@loangospel.com

COOKIE POLICY

This Cookie Policy ("Cookie Policy” or “Policy”) applies to the websites operated by or otherwise provided to you by Loan Gospel. (respectively, the “Site/s”, and “LG”, “us” or “we”). By accessing and using the Site, you consent to the use of cookies, as described in this Policy.

We expressly reserve the right to modify this Policy from time to time. If there are any material changes to this Cookie Policy, you will be notified via the Site/s. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of the Site constitutes your agreement to be bound by such changes to this Policy. You're only remedy, if you do not accept the terms of this Policy, is to discontinue use of the Site or to refuse accepting cookies by using your browser’s settings.

This Cookie Policy is an integral part of our Privacy Policy and terms and definitions we used and explained in the Privacy Policy will have the same meaning in this Policy. This Policy explains:

What cookies are
What cookies are used when you use the Site
How third parties use cookies on the Site
Your cookie options
Interest-Based Advertising

1. What Are The Cookies ?

A cookie is a small text file that is stored in your web browser that allows the Site or a third party to recognize you, as a visitor (and not as an individual). Cookies might be used for the following purposes: (1) to enable certain functions; (2) to provide analytics; (3) to store your preferences; and (4) to enable ad delivery and behavioral advertising.

Cookies can either be session cookies or persistent cookies. A session cookie expires automatically when you close your browser. A persistent cookie will remain until it expires, or until you delete your cookies from your browser. Expiration dates are set in the cookies themselves; some may expire after a few minutes while others may expire after longer periods. Cookies placed by the website you’re visiting are sometimes called “first party cookies,” while cookies placed by other entities are sometimes called “third party cookies.”

Cookies are many times used with a pixel tag on the Sites. Pixel tags (also known as web beacons or clear GIFs) are typically transparent graphic images placed on a website. These pixels are used in combination with cookies to measure the actions of visitors to their websites that arrive through the services. For example, we, or our business partners may use pixel tags to track interactions on the Site/s or to understand referrals to partners from our Site/s, or, for Retargeting purposes, as we described in the Privacy Policy, or other interest-based advertising as further explained in section 5 below.

2. What cookies are used for when I use the Site?

When you access and/or use the Site or interact with the services, we or a third party may place a number of cookies in your browser. Some of the cookies will only be used if you use certain features or select certain preferences, and some cookies will be used for a longer-term purpose, as described in our Privacy Policy.

Each cookie serves one of the following purposes:

Essential Cookies: These first-party cookies allow users to use a feature of the Site such as: (i) remaining logged in, or (ii) making purchases.
Analytics Cookies: These cookies track information about how the Site/s are being used so that we can improve them and report on our performance. We may also use analytics cookies to test new ads, pages, or features to see how users react to them. Analytics cookies may either be first-party or third-party cookies.
Preference Cookies: These first-party cookies store your Site preferences.
Ad Targeting Cookies: These third-party cookies (also known as “behavioral” or “targeted” advertising are placed by advertising platforms or networks in order to: (i) deliver ads and tracks ad performance, and (ii) enable advertising networks to deliver ads that may be relevant based upon your activities.

3. How do third parties use cookies on the Sites?

Third-party entities like analytics, Third Party vendors or ad networks generally use cookies to collect user information on an anonymous basis. They may use that information to better understand users’ activities on the Site and other websites that they visited immediately after.

4. What are my cookie options?

If you don’t like the idea of cookies or certain types of cookies, you can change your browser’s settings to delete cookies that have already been set and to not accept new cookies. To learn more about how to do this, visit the help pages of your browser. Please note, however, that if you delete cookies or do not accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.

You may also opt-out of third party cookies by following the instructions provided by each third party in its privacy policy.

5. How to manage cookies?

As we explain in our Cookie Policy, cookies help you to get the most out of our Site/s and services. If you do disable cookies you may find that certain sections of our Site do not properly function.

How to disable behaviorally targeted advertising cookies

If you are concerned about behaviorally targeted advertising cookies (which serve you advertisements based on your use of the Website and other websites), users based in the European Union can visit www.youronlinechoices.eu and users based in the US can visit www.aboutads.info/choices for more information.

How to enable and disable cookies using your browser

Google Chrome

Click the wrench icon on the browser toolbar >> Select Settings >> Click ‘Show advanced settings’ >> In the “Privacy” section, click the ‘Content settings’ button
To enable cookies in the “Cookies” section, pick ‘Allow local data to be set’, this will enable both first-party and third-party cookies. To allow only first-party cookies pick ‘Block all third-party cookies without exception’
To disable cookies, in the “Cookies” section, pick ‘Block sites from setting any data’
Note there are various levels of cookie enablement and disablement in Chrome. For more information on other cookie settings offered in Chrome, refer to the following page from Google: http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647

Microsoft Internet Explorer 6.0, 7.0, 8.0

Click on ‘Tools’ at the top of your browser window and select ‘Internet Options’ >> In the options window navigate to the ‘Privacy’ tab
To enable cookies: Set the slider to ‘Medium’ or below
To disable cookies: Move the slider to the top to block all cookies
Note there are various levels of cookie enablement and disablement in Explorer. For more information on other cookie settings offered in Internet Explorer, refer to the following page from Microsoft: http://windows.microsoft.com/en-GB/windows-vista/Block-or-allow-cookies

Microsoft Edge

Click on the More actions button on the toolbar, and select Settings >>Search for View advanced settings and click on it >> Under Cookies section, select to either Don't block cookies (default), block only third-party cookies >> Restart Edge.

Mozilla Firefox

Click on ‘Tools’ at the browser menu and select ‘Options’ >> Select the Privacy panel
To enable cookies: Check ‘Accept cookies for sites’
To disable cookies: Uncheck ‘Accept cookies for sites’
Note there are various levels of cookie enablement and disablement in Firefox. For more information, refer to the following page from Mozilla: http://support.mozilla.org/en-US/kb/Enabling%20and%20disabling%20cookies

Opera

Click on ‘Setting’ at the browser menu and select ‘Settings’ >> Select ‘Quick Preferences’ <;o>To enable cookies: check “Enable Cookies”
To disable cookies: uncheck “Enable Cookies”
Note there are various levels of cookie enablement and disablement in Opera. For more information on other cookie settings offered in Opera, refer to the following page from Opera Software: http://www.opera.com/browser/tutorials/security/privacy

Safari on OSX

Click on ‘Safari’ at the menu bar and select the ‘Preferences’ option >>Click on ‘Security’
To enable cookies: In the ‘Accept cookies’ section select ‘Only from site you navigate to’
To disable cookies: In the ‘Accept cookies’ section select ‘Never’
Note there are various levels of cookie enablement and disablement in Safari. For more information on other cookie settings offered in Safari, refer to the following page from Apple: https://support.apple.com/en-us/guide/safari/sfri11471/mac

All other browsers

Please look for a “help” function in the browser or contact the browser provider.

How to manage your cookies?

Most internet browsers are initially set up to automatically accept cookies. As we explain above, you can change the settings to block cookies or to alert you when cookies are being sent to your device.

Please be aware, that if you disable the cookies that we use, this may impact your experience while on the Site, for example, you may not be able to visit certain areas of the Site or you may not receive personalized content or information when you visit a Site.

For more information about the cookies that the Site uses you can click here.

6. Interest-Based Advertising

We and third parties engage in interest-based advertising provided by vendors in order to deliver advertisements and personalized content that we and other advertisers believe will be of interest to you. To the extent third-parties are using cookies or other technologies to perform these services, the Site does not control the use of this technology or the resulting information for online, mobile, or email advertising, and is not responsible for any actions or policies of such third parties.

If you have any questions about our Cookie Policy, you may contact us by sending an email to business@loangospel.com.

Third-Party cookies

Google

We use various products and features provided by Google LLC. (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA; "Google").