Privacy Policy

This Privacy Policy describes how LoanFree.AI ("LoanFree.AI," "we," "us," or "our") collects, uses, and shares information when you use our website and student-loan discharge eligibility and case-preparation services (the "Services"). By using the Services, you agree to the practices described in this policy.

1. Information We Collect

We collect the following categories of information:

• Information you provide. Contact details (name, email, phone, mailing address), the last four digits of your Social Security number, financial information (income, expenses, household size, loan balances and servicers), employment details, and the narrative information you enter about your financial hardship.
• Information collected automatically. Basic technical data such as IP address, browser type, device information, and pages viewed, collected through standard server logs and similar technologies.

2. How We Use Your Information

• To provide the eligibility screening and case-preparation Services.
• To generate your Brunner analysis and case documents.
• To match you with a participating bankruptcy attorney in your state.
• To communicate with you about your case and respond to inquiries.
• To process payments through our payment processor.
• To maintain security, prevent fraud, and comply with legal obligations.

3. How We Share Your Information

We share your information only as needed to deliver the Services, including with: (a) the attorney to whom your case is matched; (b) service providers who process payments, send email, or host our infrastructure; and (c) authorities where required by law. We do not sell your personal information.

4. Data Security

Sensitive personal and financial fields are encrypted at rest, and data is transmitted over encrypted connections. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your information for as long as necessary to provide the Services and to comply with our legal, accounting, and reporting obligations. You may request deletion of your information as described below, subject to those obligations.

6. Your Choices and Rights

Depending on where you live, you may have the right to access, correct, or delete your personal information, or to opt out of certain uses. To make a request, contact us at support@loanfree.ai.

7. Children's Privacy

The Services are not directed to children under 18, and we do not knowingly collect information from them.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be posted on this page with an updated "Last updated" date.

9. Contact Us

Questions about this policy can be sent to support@loanfree.ai.