Privacy Policy

TopBadCreditLoans.com ("we," "our," "the Site") respects your privacy. This policy explains what information we collect, how we use it, and the choices you have.

1. Information We Collect

Information you provide

If you use our contact form, we collect the name, email address, subject, and message you submit. This information is stored in a local text file and is used only to respond to your inquiry.

Information collected automatically

When you visit the Site, our server may automatically collect standard log information, including your IP address, browser type, referring URL, pages visited, and the date and time of your visit. This data is used to maintain and improve the Site.

2. Cookies and Tracking

The Site may use cookies (small text files stored on your device) for basic site functionality. We do not use cookies for advertising targeting or cross-site tracking.

Third-party services embedded on or linked from the Site (such as Google Fonts) may set their own cookies. We do not control these cookies. You can manage cookie preferences through your browser settings.

3. How We Use Your Information

We use the information we collect to:

• Respond to your contact form submissions
• Maintain and improve the Site
• Monitor Site usage and identify technical issues
• Comply with legal obligations

We do not sell, rent, or share your personal information with third parties for marketing purposes.

4. Third-Party Services

The Site contains links to third-party lender websites. When you click a lender link and leave our Site, you are subject to that lender's privacy policy. We encourage you to review the privacy practices of any site you visit.

We use the following third-party services:

• Google Fonts - for typography (Google's privacy policy)

5. Data Retention

Contact form submissions are retained for as long as needed to respond to your inquiry and for our internal records. Server logs are retained according to standard hosting provider practices.

6. Data Security

We take reasonable measures to protect the information we collect. However, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data.

7. Children's Privacy

The Site is not directed at anyone under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

8. Your Rights

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

• Request access to the personal information we hold about you
• Request correction or deletion of your personal information
• Object to or restrict processing of your personal information

To exercise any of these rights, please contact us.

9. Changes to This Policy

We may update this Privacy Policy at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after changes are posted constitutes acceptance.

10. Contact

Questions about this Privacy Policy? Contact us or email hello@topbadcreditloans.com.