WithU Loans Privacy Policy

WithU Loans ("we," "our," or "us") operates the website at withuloansfinancing.com and provides online lending services. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or apply for a loan. Please read this policy carefully. By using our services, you consent to the practices described in this policy.

1. Information We Collect

We collect information you provide directly to us, as well as information collected automatically when you use our services.

Information you provide:

• Identity information: full name, date of birth, Social Security Number
• Contact information: email address, phone number, mailing address
• Financial information: income, employment, bank account details, existing debts
• Application data: loan purpose, requested amount, credit history authorization

Information collected automatically:

• IP address, browser type, device type, operating system
• Pages visited, time spent on site, referring URLs
• Cookie data and similar tracking technologies

Information from third parties:

• Credit bureau data (TransUnion, Equifax, Experian) — only with your authorization
• Employment and income verification services
• Identity verification services

2. How We Use Your Information

WithU Loans uses collected information for the following purposes:

• To process and underwrite your loan application
• To communicate with you about your application or account
• To comply with legal and regulatory obligations (CFPB, ECOA, TILA)
• To prevent fraud, identity theft, and other illegal activities
• To improve our products, services, and website experience
• To provide financial wellness resources and educational content
• To send account notifications and service-related communications

We will only use your information for the purposes stated in this policy or as otherwise disclosed to you at the time of collection.

3. Information Sharing

WithU Loans does not sell your personal information to any third party — ever. We may share your information only in the following limited circumstances:

• Service providers: Third parties who assist in operating our platform (e.g., payment processors, identity verification, cloud hosting) — subject to strict data processing agreements.
• Credit bureaus: As required for credit reporting and authorized credit checks.
• Legal compliance: When required by law, court order, or governmental authority.
• Business transfer: In connection with a merger, acquisition, or sale of assets, your data may be transferred — subject to the same privacy protections.
• With your consent: Any other sharing will only occur with your explicit written consent.

4. Data Security

WithU Loans employs industry-leading security measures to protect your information:

• 256-bit SSL/TLS encryption for all data in transit
• AES-256 encryption for all data at rest
• SOC 2 Type II certified infrastructure
• Multi-factor authentication for all employee access to borrower data
• Annual third-party penetration testing and security audits
• Role-based access controls limiting data access to authorized personnel only

While we implement comprehensive security safeguards, no internet transmission or electronic storage system is 100% secure. If you believe your account has been compromised, please contact us immediately at [email protected].

5. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your experience, analyze site traffic, and improve our services. Types of cookies we use:

• Essential cookies: Required for the website to function. Cannot be disabled.
• Analytics cookies: Help us understand how visitors use our site (e.g., Google Analytics). Data is anonymized and aggregated.
• Preference cookies: Remember your settings and preferences across visits.

You may disable non-essential cookies through your browser settings. Note that disabling cookies may affect certain website functionality.

6. Your Rights & Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information (subject to legal retention requirements).
• Opt-out: Opt out of marketing communications at any time via unsubscribe links or by emailing [email protected].
• Portability: Request your data in a portable, machine-readable format.

California residents have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, contact us using the information below.

7. Contact Us About Privacy

For privacy-related questions, requests, or concerns, contact our Privacy Team:

• Email: [email protected]
• Mail: WithU Loans Privacy Team, 1200 Financial Plaza Suite 300, Austin, TX 78701
• Phone: 1-800-948-5625

We will respond to all verifiable requests within 30 days. We reserve the right to update this Privacy Policy at any time. Material changes will be communicated via email or prominent website notice.