Privacy
Policy
Last Updated: June 2026
12 Sections
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Information We Collect
Section 01 of 12
In order to facilitate real-time loan underwriting and fraud prevention, InstantLoans.ai collects comprehensive data points. This includes Personally Identifiable Information (PII) such as your full legal name, physical address, email, telephone number, Date of Birth (DOB), and Social Security Number (SSN). We also collect financial data, including employment status, monthly income, pay frequency, and bank account ownership. Additionally, we automatically collect behavioral and technical metadata, including IP address, user-agent, device fingerprinting tokens, session analytics, and geolocation data.
Gramm-Leach-Bliley Act (GLBA) Disclosures
Section 02 of 12
InstantLoans.ai operates as a financial lead generator and broker. Under the GLBA, we are required to explain how we collect, use, and share your non-public personal information (NPI). We share your NPI with our network of state and federally chartered financial institutions and lending aggregators solely for the purpose of matching you with credit products. By submitting a request, you direct us to share this data with these third parties.
Fair Credit Reporting Act (FCRA) Notice
Section 03 of 12
We do not operate as a Consumer Reporting Agency (CRA). However, the lenders in our network may request consumer reports, credit scores, and other information from CRAs (such as Experian, Equifax, or TransUnion) to evaluate your creditworthiness. Submitting your information on our platform may result in a "soft pull" (which does not affect your credit score) or, if you proceed with a specific lender, a "hard pull" (which may affect your credit score).
How We Use Your Information
Section 04 of 12
Your data powers our proprietary AI matching engine. We use your information to: (a) Verify your identity and mitigate fraud; (b) Process your loan request in real-time through our Ping-Tree network; (c) Communicate with you regarding your application status via email and SMS; (d) Improve our machine-learning underwriting models; and (e) Comply with applicable federal and state anti-money laundering (AML) and Know Your Customer (KYC) regulations.
Information Sharing and the Ping-Tree Network
Section 05 of 12
To maximize your approval odds, your application data is securely transmitted via encrypted APIs to our "Ping-Tree" network. Your data may be sold or transferred to the following categories of third parties: (1) Direct state-licensed lenders, (2) Tribal lending entities, and (3) Lead aggregators/Data Brokers who will further distribute your request to match you with a credit product. We do not sell your personal information to non-affiliated third parties for unrelated direct marketing campaigns.
California Privacy Rights (CCPA / CPRA)
Section 06 of 12
Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents possess the Right to Know what personal information is collected, the Right to Delete their personal information, the Right to Opt-Out of the sale or sharing of their data, and the Right to Limit the Use of Sensitive Personal Information. To exercise these rights, please email compliance@instantloans.ai or use our "Do Not Sell My Info" portal.
compliance@instantloans.aiTelephone Consumer Protection Act (TCPA)
Section 07 of 12
By submitting your phone number, you provide express written consent under the TCPA to receive telemarketing calls, SMS text messages, and pre-recorded voice messages from InstantLoans.ai and our lending partners, even if your number is on a Do-Not-Call registry. You may revoke this consent at any time by replying "STOP" to any SMS message or contacting us directly.
Cookies, Tracking & Global Privacy Control (GPC)
Section 08 of 12
We utilize cookies, web beacons, pixels, and session-replay scripts (such as ActiveProspect TrustedForm and Jornaya LeadiD) to document prior express written consent and analyze user behavior. We legally recognize and process Global Privacy Control (GPC) signals from compatible browsers as a valid request to opt-out of the "sale" or "sharing" of personal data.
Data Security & Encryption
Section 09 of 12
We mandate military-grade security. All sensitive PII (such as SSNs and bank details) is encrypted at rest using 256-bit AES encryption and in transit via TLS 1.3. We operate on a Zero-Trust architecture, employ cryptographic blind indexing for database queries, and undergo regular penetration testing to maintain SOC 2 compliance standards.
Data Retention & Cryptographic Deletion
Section 10 of 12
We retain your personal data for a strict maximum of 90 days to comply with state lending audit requirements and TCPA consent verification. When data reaches the end of its retention lifecycle or upon a valid CCPA deletion request, the data is cryptographically destroyed, leaving only an anonymized tombstone record for regulatory auditing.
90 Days
Retention Period
Cryptographic
Deletion Method
Anonymized
Post-Deletion
Children's Privacy (COPPA)
Section 11 of 12
InstantLoans.ai does not offer financial products to minors. Our services are strictly restricted to individuals 18 years of age or older. We do not knowingly collect personal information from children under 13. Any data determined to belong to a minor will be purged immediately in accordance with the Children's Online Privacy Protection Act (COPPA).
Service restricted to users 18 years of age or older. Any data from minors discovered is permanently deleted immediately upon detection.
Modifications to this Policy
Section 12 of 12
We reserve the right to amend this Privacy Policy at any time to reflect changes in regulatory requirements or business practices. Material changes will be communicated via email or through a prominent notice on our website. Continued use of our services constitutes acknowledgment of the updated policy.
Privacy questions? Contact us at compliance@instantloans.ai
Sovereign Nexus Holdings LLC operates InstantLoans.ai as a loan marketplace, not a direct lender.