Privacy Policy

Last updated: September 22, 2026 • Effective date: September 22, 2026

Loan Invest Option, LLC ("we," "our," or "us") respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website loaninvestoption.com (the "Site") and use our financial advisory, lending, tax, and insurance services (collectively, the "Services").

1. Information We Collect

We may collect the following categories of information:

Identity Data: Name, date of birth, Social Security number, government-issued ID.
Contact Data: Billing address, shipping address, email, phone number.
Financial Data: Bank account numbers, income, assets, liabilities, credit score, tax returns.
Technical Data: IP address, browser type, device identifiers, cookies, usage analytics.
Profile Data: Preferences, feedback, survey responses, investment goals.

2. How We Use Your Information

We use your information to:

Process loan applications, investment transactions, and insurance policies.
Provide personalized financial advice and portfolio management.
Comply with federal and state regulations (SEC, FINRA, GLBA, CFPB).
Communicate with you regarding your account and services.
Improve our Site, products, and customer experience.
Detect and prevent fraud, money laundering, and illegal activity.

3. Legal Basis for Processing (US Residents)

For U.S. residents, our processing is governed by the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), state financial privacy laws (including the California Consumer Privacy Act/CPRA, Virginia VCDPA, Colorado CPA, and others), and applicable SEC/FINRA regulations.

4. Information Sharing

We do not sell your personal information. We share only as necessary with:

Lending partners, custodians, and broker-dealers (to deliver services).
CPAs, attorneys, and insurance carriers (with your consent).
Regulators, auditors, and law enforcement (as legally required).
Service providers (hosting, analytics, email) bound by confidentiality.

5. Data Security

We implement administrative, technical, and physical safeguards including 256-bit TLS encryption, multi-factor authentication, role-based access controls, and annual third-party penetration testing. Financial data is stored at SOC 2 Type II certified custodians.

6. Data Retention

We retain personal and financial records for a minimum of seven (7) years after account closure, consistent with SEC Rule 17a-4 and IRS guidance, or longer where required by law.

7. Your Rights

Depending on your state, you may have the right to:

Access, correct, or delete your personal information.
Opt out of certain sharing with non-affiliated third parties.
Request a copy of the information we have collected about you.
Opt out of marketing communications at any time.
Not be discriminated against for exercising your privacy rights.

8. Cookies & Tracking Technologies

We use essential, functional, and analytics cookies. You may manage cookie preferences through your browser or our cookie banner. Disabling essential cookies may limit Site functionality.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect information from minors.

10. International Transfers

Loan Invest Option operates exclusively in the United States. Your information is processed and stored within the U.S.

11. Third-Party Links

Our Site may contain links to external websites. We are not responsible for the privacy practices of those sites.

12. Changes to This Policy

We may update this policy periodically. Material changes will be posted with a revised "Last Updated" date and, where required, we will notify you via email or prominent Site notice.

13. Contact Us

For privacy-related questions, data requests, or to exercise your rights:

Loan Invest Option Privacy Office
89 Reservoir Rd, Coventry, Rhode Island 02816, USA
Email: privacy@loaninvestoption.com
Phone: (401) 823-9532