Privacy Policy

1. Introduction & Commitment

This Privacy Policy explains how Jora Credit ("we," "our," or "us") collects, uses, protects, and discloses personal information when you visit our website (the "Site") at jorancredit.com, utilize our financial educational guides, calculate estimated repayments with our interactive tools, or submit a loan connection inquiry.

We are committed to maintaining the highest standards of data integrity, transparency, and consumer privacy. We operate as an informative resource and introductory referral service connecting prospective borrowers with participating lenders and financial partners. We encourage you to read this entire document carefully to understand your rights regarding your personal information.

2. Information We Collect

Depending on how you navigate and interact with our Site, we may collect different categories of information:

3. How We Use Your Information

We process personal data only when we have a legitimate legal and business basis, specifically:

• Loan Referral & Matching: Facilitating transmission of your loan parameters (such as amount, state of residence, and income type) to licensed lending partners and referral networks within our participating provider ecosystem.
• Interactive Tool Functionality: Processing client-side inputs in our loan repayment calculators and estimation utilities to provide immediate financial representations.
• Customer Inquiries: Answering support requests, resolving technical difficulties, and providing updates regarding site changes.
• Fraud Prevention & Cyber Defense: Monitoring suspicious activity, bot traffic, automated abuse, and potential denial-of-service threats to protect user data and server integrity.
• Legal Compliance: Adhering to applicable state and federal statutory retention requirements, lending disclosure mandates, and responding to authorized legal subpoenas.

4. Disclosure & Sharing of Personal Information

We do not sell, rent, or trade your personal contact details to non-affiliated third-party marketers for unrelated promotional sales pitches.

We may disclose personal information in the following limited circumstances:

• Participating Lending Partners: When you submit a loan inquiry, your parameters are transmitted to lending partners so they can review their eligibility criteria and formulate tentative loan offers. Each participating lender maintains their own independent privacy policy.
• Authorized Service Providers: Trusted third-party vendors who provide infrastructure hosting, database management, anti-fraud scanning, email transmission, and analytics. These vendors are bound by non-disclosure and strict data processing agreements.
• Legal & Regulatory Authorities: Where required by law, subpoena, civil investigation, or regulatory agency order, or when disclosure is essential to safeguard legal rights, user safety, or financial security.
• Corporate Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or asset sale, customer information may be transferred as an operational business asset, subject to this policy's protections.

5. Cookies, Tracking & Do Not Track

We utilize cookies, local storage, and similar web tracking technologies to deliver an intuitive user experience:

• Strictly Necessary Cookies: Essential for fundamental website navigation, load balancing, and CSRF security verification.
• Preference Cookies: Store choices such as previously calculated loan amounts or slider positions across your active session.
• Analytical Cookies: Collect anonymous aggregate statistics on page view counts, bounce rates, and traffic sources to help us refine our informative guides.

Cookie Control: You can modify your browser preferences to reject cookies or notify you when cookies are sent. Please note that disabling cookies may affect certain interactive calculator features. We honor recognized opt-out preference signals such as Global Privacy Control (GPC).

6. Data Security & Encryption Standards

We implement comprehensive administrative, technical, and physical safeguards designed to prevent unauthorized access, destruction, misuse, or alteration of personal data:

• Transit Encryption: All communications between your web browser and our servers are encrypted using Transport Layer Security (TLS 1.3 / 256-bit SSL encryption).
• Access Controls: Access to sensitive system logs and inquiry information is strictly restricted on a least-privilege basis to authorized personnel subject to non-disclosure obligations.
• Infrastructure Auditing: Regular vulnerability scanning, automated perimeter firewalls, and server hardening against known threat vectors.

7. Data Retention & Disposal

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by statutory financial regulations:

• Loan Inquiry Records: Stored for up to 24 months to satisfy regulatory compliance, resolve potential inquiries, and verify partner attribution, after which they are securely purged or anonymized.
• Customer Support Correspondence: Kept for up to 3 years to maintain service records and audit trails.
• Server Logs & Technical Metrics: Automatically rotated and purged within 90 to 180 days.

8. State Consumer Privacy Rights (CCPA / CPRA, VCDPA, CPA & Others)

Depending on your state of residence (including California, Virginia, Colorado, Connecticut, Utah, and others), you may possess specific statutory consumer rights regarding your personal information:

• Right to Know / Access: Request disclosure of the specific personal information we have collected, the categories of sources, and third parties with whom it has been shared.
• Right to Delete: Request the deletion of personal information we have collected from you, subject to statutory retention exceptions (e.g., fraud prevention or legal compliance).
• Right to Correct: Request correction of inaccurate personal data maintained in our active records.
• Right to Opt-Out of Sale or Sharing: Direct us not to share your personal data for cross-context behavioral advertising.
• Right to Non-Discrimination: We will not deny services, charge different rates, or provide lower service quality because you exercised any statutory privacy rights.

To exercise these rights, please email your request to privacy@jorancredit.com with the subject line "Consumer Privacy Request". We will verify your identity before processing the request in accordance with applicable state timelines.

9. Third-Party Links & Independent Lenders

Our Site contains external links and referral connections to third-party lending websites, educational financial portals, and credit reporting bureaus. When you click on a referral link or proceed to an independent lender's portal, you depart our Site. We have no control over, and assume no legal responsibility for, the privacy practices, terms, or data collection policies of external third parties. We strongly recommend reviewing the privacy notices of any lender you engage with.

10. Children's Online Privacy (COPPA)

Our Site and loan matching services are directed solely to adults aged 18 years and older (or the age of majority in your jurisdiction). We do not knowingly solicit, collect, or maintain personal information from children under the age of 18. If we learn that an individual under 18 has submitted personal data through our site, we will promptly delete that information from our active records.

11. Policy Modifications & Updates

We reserve the right to revise this Privacy Policy at any time to reflect legislative updates, technological modifications, or shifts in our business services. When updates occur, the "Last Updated" date at the top of this page will be revised. Your continued use of our Site following any posted revisions constitutes your understanding and acknowledgment of the updated policy.

12. Contacting Our Privacy Officer

If you have any questions, comments, or requests regarding this Privacy Policy or our consumer data practices, please contact our dedicated compliance department: