Privacy Policy

• Account Information: Name, email address, phone number, and password when you create an account.
• Financial Information: Loan details, payment history, and banking details for pre-authorized debits (when using the Alternaly Payments add-on).
• Identity Verification: Government-issued ID, proof of address, and similar information required for identity verification under applicable anti-money-laundering regulations (FINTRAC/MSB in Canada) or for loan applications submitted through the platform.
• Communication Data: Messages, support requests, and correspondence with our team.
• Usage Data: How you interact with our platform, features used, and preferences.
• Technical Data: IP address, browser type, device information, and cookies for analytics purposes.
• Calculator Data: The loan calculator is anonymous and does not store any personal information.

• To provide and operate our private lending platform services.
• To enable platform features such as loan applications submitted by borrowers and portfolio management by lenders.
• To process pre-authorized debits from borrowers and deposit funds to lenders when you use the Alternaly Payments add-on (Canada only).
• To verify your identity and prevent fraud.
• To communicate with you about your account, transactions, and support inquiries.
• To comply with legal and regulatory obligations.
• To improve our services through analytics (Google Analytics).
• To send service-related notifications and updates.

Under Law 25, we obtain your express consent before collecting, using, or disclosing your personal information. You may withdraw your consent at any time by contacting our Privacy Officer. However, withdrawing consent may limit your ability to use certain features of our platform. For anonymous use of our calculator, no consent is required as no personal information is collected.

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations (including financial record-keeping requirements), and to resolve disputes. Account data is retained for the duration of your account plus 7 years after closure to comply with financial regulations. You may request deletion of your data subject to legal retention requirements.

• Google Analytics: For website analytics and usage patterns (anonymized data).
• Payment Processors: For processing pre-authorized debits from borrowers and deposits to lenders when you use the Alternaly Payments add-on.
• Credit Bureaus: For credit verification purposes (with your explicit consent).
• We do NOT sell, rent, or share your personal information with third parties for their marketing purposes.

Your data is stored on servers located in the United States (Hostinger VPS). As required by Law 25, we inform you that your personal information may be transferred to and processed in the United States. We ensure appropriate safeguards are in place to protect your information in accordance with applicable privacy laws. By using our services, you consent to this transfer.

We implement industry-standard security measures to protect your personal information, including encryption in transit (SSL/TLS), secure authentication, access controls, regular security audits, and employee training on data protection. While we strive to protect your information, no method of transmission over the internet is 100% secure.

• Right to Access: Request a copy of your personal information we hold.
• Right to Rectification: Correct any inaccurate or incomplete information.
• Right to Deletion: Request deletion of your personal information (subject to legal obligations).
• Right to Portability: Receive your data in a structured, commonly used format.
• Right to Withdraw Consent: Withdraw your consent at any time.
• Right to be Informed: Be informed about automated decisions affecting you.
• To exercise these rights, contact our Privacy Officer at [email protected]. We will respond within 30 days.

We use only essential cookies necessary for the operation of our platform. Essential cookies enable core functionality such as security, account authentication, and remembering your preferences. We use Google Analytics with IP anonymization enabled for aggregated, non-personal usage statistics. You can control cookies through your browser settings.

Our platform is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately so we can delete it.

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. For significant changes, we will provide additional notice via email or platform notification. We encourage you to review this policy periodically.