Privacy Policy

Introduction

SmartLoanScan ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our loan document analysis service.

By using our service, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our service.

Information We Collect

Personal Information

When you create an account or use our service, we may collect:

• Name and email address (via OAuth authentication)
• Payment information (processed securely through Stripe)
• Account preferences and settings
• Usage data and analytics

Document Data

When you upload loan documents for analysis:

• Document Files: Temporarily stored during analysis and automatically deleted within minutes after processing
• Analysis Results: We retain analysis results (detected errors, signatures, seals) but NOT the original document files
• Metadata: File names, upload timestamps, and document page counts for usage tracking

Automatically Collected Information

We automatically collect certain information when you use our service:

• IP address and browser type
• Device information and operating system
• Pages visited and features used
• Time and date of visits
• Referring website addresses

How We Use Your Information

We use the collected information for the following purposes:

• Service Delivery: To provide, maintain, and improve our document analysis service
• Account Management: To create and manage your account, process payments, and provide customer support
• Usage Tracking: To monitor subscription limits and usage for billing purposes
• Communication: To send service updates, security alerts, and administrative messages
• Analytics: To understand how users interact with our service and improve user experience
• Legal Compliance: To comply with legal obligations and protect our rights

Document Security and Retention

Your document security is our top priority:

• Automatic Deletion: All uploaded PDF files are automatically deleted from our servers within minutes after analysis completion
• No Long-Term Storage: We do NOT store your loan documents long-term. Only analysis results are retained
• Encryption: All data transmission is encrypted using industry-standard SSL/TLS protocols
• Secure Processing: Documents are processed in secure, isolated environments
• Access Controls: Strict access controls ensure only authorized systems can process your documents

Analysis results (list of detected errors, signature locations, etc.) are retained for your records and can be deleted at any time from your account dashboard.

Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party service providers (e.g., Stripe for payment processing, cloud hosting providers) who assist in operating our service
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Protection of Rights: To protect our rights, property, or safety, or that of our users or others

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

• Essential Cookies: Required for authentication and service functionality
• Analytics Cookies: Help us understand how users interact with our service (via Umami Analytics)
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings, but disabling certain cookies may limit service functionality.

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Download your analysis results and account data
• Opt-Out: Unsubscribe from marketing communications (service emails may still be sent)

To exercise these rights, please contact us at the email address provided below.

Data Retention

We retain your information for as long as necessary to provide our service and comply with legal obligations:

• Account Data: Retained while your account is active and for a reasonable period after deletion
• Document Files: Automatically deleted within minutes after analysis
• Analysis Results: Retained until you delete them or close your account
• Payment Records: Retained for tax and accounting purposes as required by law

Children's Privacy

Our service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete that information.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.

Security

We implement industry-standard security measures to protect your information:

• SSL/TLS encryption for all data transmission
• Secure cloud infrastructure with access controls
• Regular security audits and updates
• Automatic document deletion after processing
• Employee training on data protection best practices

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at:

Email: [email protected]
Website: https://smartloans-jbhewywn.manus.space

GDPR Compliance (For EU Users)

If you are located in the European Economic Area (EEA), you have additional rights under the General Data Protection Regulation (GDPR):

• Legal Basis: We process your data based on your consent, contract performance, and legitimate interests
• Data Portability: You have the right to receive your data in a structured, machine-readable format
• Right to Object: You can object to processing of your personal data for direct marketing purposes
• Automated Decision-Making: Our AI analysis does not make decisions that significantly affect you without human review
• Supervisory Authority: You have the right to lodge a complaint with your local data protection authority