Privacy Policy

Introduction

In this Privacy Policy, the words "you," "your," and "User" mean each and every person who accesses or uses any Service. The words "we," "us," "our" mean Phantom Loans LLC. Please review this Privacy Policy before using or accessing any products or services offered by Phantom Loans LLC.

Information We Collect

We may collect the following types of information when you use our Services or apply for a loan:

• Personal identifiers: name, address, email address, phone number
• Financial information: income, requested loan amount, loan purpose
• Technical data: IP address, browser type, device information, cookies
• Communications data: records of any correspondence with us

How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan application
• Verify your identity and assess creditworthiness
• Communicate with you about your application or account
• Send SMS notifications, account alerts, and customer care messages (only if you have opted in)
• Comply with applicable laws and regulations
• Improve our website and services

SMS and Mobile Communications

If you provide your mobile phone number and opt in to SMS communications, we will use it solely to send you Account Notifications, Customer Care messages, and Marketing messages as described at the time of opt-in.

Mobile phone numbers and opt-in data collected will not be shared with third parties or affiliates for promotional or marketing purposes.

Message frequency may vary. Standard Message and Data Rates may apply. You may opt out at any time by replying STOP. Reply HELP for assistance.

How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

• Service providers: third parties who assist us in operating our website and conducting our business, subject to confidentiality agreements
• Legal compliance: when required by law, court order, or governmental authority
• Business transfers: in connection with a merger, acquisition, or sale of assets
• With your consent: for any other purpose with your explicit consent

Credit Inquiries

By submitting an application, you authorize Phantom Loans LLC to verify the information you provide and evaluate your creditworthiness. A soft credit inquiry may be used for prequalification and will not affect your credit score. A hard credit inquiry will be performed only if you proceed with a full application.

Cookies and Tracking

We use cookies and similar tracking technologies to improve your experience on our Site. You may disable cookies through your browser settings; however, some features of the Site may not function properly as a result.

Data Security

We implement commercially reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Children's Privacy

Our Services are intended solely for users who are 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If we become aware that we have collected such information, we will delete it promptly.

Your Rights

You may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal obligations
• Opt out of marketing communications at any time

To exercise any of these rights, please contact us at the information below.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated version on our Site and indicate the date it was last revised. Your continued use of our Services after any changes constitutes your acceptance of the updated Policy.

Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Phantom Loans LLC

Phone: (888) 555-0100

Website: phantomloans.com