Last updated on September 4, 2026.

Introduction

We provide content through our Website and email—both My Loans Under 36 and our affiliated entities. Our business also includes marketing and data services designed to connect advertisers with specific consumer audiences. To do this, we collect information about individuals and use it across multiple advertising channels: digital platforms, mobile applications, email marketing, telemarketing, and others. Part of our business involves sharing and selling this consumer data, and we offer behavioral advertising that follows your activity across different websites and applications.

This privacy policy outlines what personal information we collect from and about you when you visit My Loans Under 36, as well as the methods and purposes for which we collect, use, maintain, and disclose that information. Additional website information can be found in our terms of service.

Please take the time to read this policy carefully so you know what our policies and practices are regarding your personal information. If our policies and practices aren’t acceptable to you, then don’t use our website or subscribe to our email list. Whenever you access or use this website or interact with our other services, you’re agreeing to be bound by this privacy policy.

Policy Scope And Third-Party Services:

When clicking on links to other websites from My Loans Under 36, you acknowledge that you are leaving our site and entering a separate digital space with its own privacy policies. We urge you to be mindful and protect your information. We encourage you to review the privacy policies of any websites you access through links from My Loans Under 36.

Methods Of Personal Information Collection:

Information collected through this website includes personal details you provide, such as your name, email address, phone number, mailing address, and information submitted through inquiry forms. We may supplement this information with data obtained from third parties, including affiliates, data brokers, and marketing or advertising partners. Certain third-party data providers are entities that have obtained your personal information from their own services. Additionally, we automatically collect information using cookies and other tracking technologies to perform analytics on our website and to facilitate advertising. More information appears below.

Categories of Personal Data We Collect:

“Personal information” (hereinafter “data,” “information,” or “personal information”) includes any type of data or information created, collected, received, stored, or transmitted in the performance of the Company’s business, regardless of format, that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a specific consumer or household.

You will be asked to submit personal information when you subscribe to My Loans Under 36. This includes your name, date of birth, street address, e-mail address and phone number. We collect other information via cookies and similar technologies such as IP address, imprecise geolocation (inferred from your IP address), device ID, date/time stamp, browsing behavior and click-through activity. We may also obtain information that is relevant for advertising purposes from data brokers or publicly available databases , like demographic information, interests, past locations (e.g. visits to certain stores or websites), or purchase history. We may collect certain limited categories of sensitive personal information, including race/ethnicity or location data. We only collect data that is relevant to potential marketing campaigns. See “Your Privacy Rights” below to see how to exercise your rights with regard to our use of your personal information.
“In particular, we have collected the following categories of personal information within the last twelve (12) months:

1. Identifiers, such as real names, aliases, unique personal identifiers, online identifiers, email addresses, account names, or other similar identifiers;
2. Personal information categories listed in California Customer Records Statute (Cal. Civ. Code. § 1798.80(e)), which includes any information that identifies, relates to, describes, or is capable of being associated with a particular individual but is not publicly available to the general public from federal, state, or local government records;
3. Protected classification characteristics under California or federal law, such as race, gender, or age;
4. Internet or other similar network activity, such as information about what websites you have visited or how you have interacted with an internet website application or advertisement;
5. Commercial Information, such as purchases you have made in the past;
6. Professional or Employment-Related Information, such as your current job or job history;
7. Imprecise geolocation data, such as your approximate location based on your IP address;
8. Inferences drawn from other personal information.

We sell and share this information with third parties and affiliated companies for marketing and advertising purposes. You have the right to opt out of the sale or sharing of your personal information at any time by visiting here or calling 844-554-0878.

Treatment of Sensitive Information

We do not directly collect Sensitive Personal Information, which includes data relating to race or ethnicity, religion, precise geolocation, LGBTQ+ identity, health conditions, financial account information, or citizenship status. However, we may indirectly receive information through automated technologies such as cookies that track visits to certain web pages, potentially indicating interest in sensitive subject areas. For instance, engagement with content related to specific ethnic groups or medical topics may suggest such interests. These inferences are not made by us but may be drawn by affiliated companies or third parties with whom information is shared. If state or local law requires consent to process Sensitive Personal Information, our affiliates will not make sensitive inferences. We do not collect or use personal information concerning children under 18.

Our Uses of Personal Information

The personal information we collect is used to send you your requested newsletters and to provide content or marketing messages through email or by other channels. We also share personal information with our partners who may send you marketing messages as well (opt-out here). Our use of data might be considered cross context behavioral advertising.

When We Share Personal Information

We share the data we collect with our affiliated companies for marketing uses, and with service providers, including companies that provide services related to cross context behavioral advertising, analytics, advertising fraud detection, web hosting, information security, or other related services. We may also share your data with third parties (including our affiliates) who may further sell or share it. We have contracts in place with any third parties who have access to information to ensure adequate information security measures and compliance with laws. We may also share personal information as required by law, or to protect the health or safety of any person.

In some cases we may disclose your personal information to law enforcement, regulators, judicial authorities, other government entities, or other third parties to comply with any court order, law, or legal process, including to respond to any government or regulatory request; to protect the rights, freedoms, or safety of any person; and/or to enforce or apply our terms of use and other agreements, including, if applicable, for billing and collection purposes.

We may also disclose your personal information to a buyer or other business successor, whether as a going concern or as part of a bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred to effectuate a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets.

We may also disclose your personal information to a third party for any purpose disclosed by us when you provide the information (either in this privacy policy or on the screen in which you provide that information) for any purpose to which you have consented.

Targeted Ads and Analytics Services

The personal information we collect is shared with unaffiliated companies for the purpose of showing you advertisements on this or other sites, and for analysis and reporting related to those ads. These companies (which may include data brokers) use cookies and other technologies to collect information from your web browser about the sites and pages you view and ads that you view or click. We (or thee third parties) may combine personal information collected at this site with personal information from other sources (including data brokers) and/or share it with third parties for marketing and advertising purposes (a.k.a “cross-context behavioral advertising” under some laws). We or the third parties described in this section collect your IP address, date and time of your visit and of the actions you took here, your Internet Service Provider (ISP), and the browser type and version you used to visit this site. This information may be combined with personal information from other sources (including data brokers) as described above and used to display advertisements from us or from others through email, social media, websites, apps, direct mail, or by other channels. We also use personal information to understand how users interact with this site in order to improve the user experience.

Cookies, Pixels and Similar Technologies

This site uses cookies, pixels, and similar technologies to: (1) operate this site, (2) improve your user experience, (3) provide personalized content and advertisements, and (4) monitor engagement with ads and other communications. Cookies are small files that our server sends to your browser that are used to recognize you when you visit certain websites. We use cookies to: operate this website, analytics and tracking, and advertising purposes. You can customize your cookie settings to limit some or all cookies in your browser settings. You can also clear (delete) the cookies on your browser at any time. Note that if you use a “do not track” setting, this may result in an “opt-out cookie” being set on your browser to block additional data collection.

We use various automated technologies to collect information from users of our Website. These include browser cookies, which are small data files stored on your device that help enable Website functionality. You can configure your browser to decline cookies, but doing so may limit access to certain Website features. Unless you modify your browser settings, cookies will be placed when you visit our Website.

Certain Website features may also use Flash cookies, also known as local stored objects, to remember your preferences and track navigation across the Website. Flash cookies are managed separately from standard browser cookies, and information on controlling them is available through Adobe’s Flash Player settings.

In addition, our Website, emails, and affiliated sites may use web beacons, tags, or pixels—small electronic files that allow us to measure page visits, email engagement, content popularity, system functionality, and related Website statistics.

Global Privacy Control and Do Not Track

Global Privacy Control (“GPC”) signals and other universal opt-out preference signals are recognized by us as valid requests to opt out of the sale or sharing of your personal information. When detected, we will automatically opt you out without requiring additional steps from you. Tracking every site you visit on the internet is not our intent. As noted above, you may block or delete cookies using your browser’s cookie settings. If you choose to opt out or activate a “Do Not Track” signal, including GPC, an opt-out cookie will be set on your browser to restrict certain cookie-based data collection. Removing that cookie or changing your GPC settings may cause automated collection to restart.”

Your Personal Information Rights

You may exercise your privacy rights by using the web form here, or by calling 844-554-0878. You may exercise the following privacy rights to: (1) know how we collect and use personal information (which is the purpose of this Privacy Policy), (2) opt out of us selling or sharing your personal information with third parties, (3) obtain a copy of the personal information we have collected about you, (4) request that we delete your personal information, and (5) make other requests relating to your personal information–we may not be able to accept all requests, but you can always delete your data. If you still have questions or concerns after making your request, please use the email provided below. You may also have the right to appeal to state or federal governmental privacy authorities if we are unable to resolve your issue.

If you would like to log complaints, please see below for contact information:

For the FTC: ReportFraud.ftc.gov or go to ftc.gov/complaint. You can also go directly to the Better Business Bureau complaint portal at bbb.org/file-a-complaint.

For security reasons, we cannot respond to requests unless we can reasonably verify the requester’s identity or authority. A request must contain sufficient information to confirm who is making the request and enough detail for us to understand and respond to it. Requests may be submitted without creating an account, and information provided will be used exclusively for verification and request processing. We respond to verifiable requests within 45 days of the date we receive them. If an extension is necessary, we will notify you in writing within the initial 45-day period, identifying the reason and the duration of the extension, which shall not exceed 45 additional days.

If a request is denied in accordance with legal requirements and you would like to appeal, or if you have additional privacy-related inquiries, you may contact us using the information below. Depending on your jurisdiction, you may also have the right to raise concerns with a local privacy authority. Exercising your data rights will not result in discrimination.

Children’s Data Privacy

Our website is only for use by people who are 18 or older. We do not knowingly accept personal information from anyone under the age of 18, and we will remove any such personal information if we become aware that it is present in our systems.

Protecting Personal Information

We utilize commercially reasonable technical, physical, and organizational security measures to protect your personal information from loss or misuse. We maintain policies and procedures, staff training, and regularly audit our practices to ensure ongoing protection in response to constantly evolving risks. However, no security measures are perfect and we cannot guarantee that our security measures or those of our affiliates or third parties with whom your data is shared will prevent your information from being illegally accessed, stolen, or altered.

Retention of Personal Information

We hold personal information for as long as needed to provide services, comply with the law, and address any disputes or claims. Once data is no longer required for these purposes, we delete or anonymize it consistent with applicable legal requirements.

Future Changes To This Policy

My Loans Under 36 reserves the right to change or update our Privacy Policy at any time and without advance notice. The updated policy will be applicable from the “effective date.” Please consider occasionally reviewing our Policy to remain informed on how My Loans Under 36 may collect, use, and share personal information.

Data is Processed in the United States

Our business and this website are based in the United States. This website is for use only by users in the U.S. When you visit this website, your personal information will be processed and stored in the United States, under applicable U.S. laws.

Email Us

If, after reviewing this policy, you still have questions or concerns, please contact us at [email protected] or 223 W. 1230 N. Box 223, Provo, Utah 84604.