Panda Loans Privacy Policy
How we collect, use, store, and protect your information when you visit pandaloanapp.com.
Last updated: May 3, 2026
1. Who we are
This privacy policy applies to pandaloanapp.com ("Panda Loans," "we," "us," "our"), an independent editorial information resource covering U.S. personal-lending products. We are not a direct lender.
2. Information we collect
- Information you provide: Name, email address, phone number, and message content when you contact our editorial or support team. Comments and ratings submitted to our reviews page.
- Information collected automatically: IP address, browser type, device identifiers, pages visited, referring URLs, and approximate location (city/state) via standard server logs and analytics cookies.
- Information from third parties: When you click affiliate links, the third-party lender may share aggregate information about whether you completed an application. We do not receive your individual application data.
3. How we use information
- To respond to inquiries and provide reader support
- To improve site content, navigation, and editorial coverage
- To measure aggregate traffic patterns and content performance
- To prevent fraud, abuse, and unauthorized access
- To comply with legal obligations
4. Cookies and similar technologies
We use cookies for essential site function, analytics, and (where applicable) advertising attribution. See our cookie policy for details, including categories and opt-out options.
5. Sharing of information
We do not sell personal information. We share information only with:
- Service providers (hosting, email delivery, analytics) under contractual data-protection obligations
- Law enforcement when legally required
- A successor entity in the event of a merger, acquisition, or sale of assets
6. Your rights
Depending on your state of residence, you may have rights to access, correct, delete, or port personal information we hold about you. California, Colorado, Connecticut, Utah, Virginia, and several other states have specific consumer-privacy statutes. To exercise any of these rights, email [email protected] with the request and reasonable identity verification.
7. Data retention
We retain personal information only as long as needed for the purpose collected, after which it is deleted or anonymized. Aggregate analytics data is retained indefinitely.
8. Children
Pandaloanapp.com is not directed to individuals under 18 and does not knowingly collect personal information from children.
9. International visitors
The site is operated in the United States. Visitors from outside the U.S. should understand that information will be transferred to and processed in the U.S.
10. Updates to this policy
Material changes to this policy will be announced via a notice on the site at least 30 days before the change takes effect. The "Last updated" date at the top reflects the most recent revision.
11. Contact
Questions about this privacy policy: [email protected]
Detailed data retention schedule
| Data Category | Retention Period | Reason |
|---|---|---|
| Email correspondence with editorial/support | 24 months | Service quality monitoring, dispute resolution |
| Reviews submitted by readers | Indefinite (anonymized after 36 months) | Editorial reference, public reviews page |
| Server log data (IP, user agent, pages viewed) | 90 days | Security monitoring, traffic analysis |
| Aggregated analytics data | Indefinite | Long-term traffic and content analysis |
| Cookie-based identifiers | Per cookie expiration | See cookie policy for details |
| Form submission data | 12 months unless ongoing inquiry | Inquiry follow-up and audit |
| Tax and accounting records | 7 years | Federal tax law requirement |
Your rights under CCPA / CPRA (California residents)
- Right to know — request disclosure of what categories of personal information we have collected, the sources, the purposes, and any disclosures to third parties.
- Right to delete — request deletion of personal information we hold, subject to exceptions for legal compliance.
- Right to correct — request correction of inaccurate personal information.
- Right to opt-out of "sale" or "sharing" — we do not sell or share personal information for cross-context advertising in the CCPA/CPRA technical sense.
- Right to limit sensitive information use — request that any sensitive personal information be used only for the original collection purpose.
- Right to non-discrimination — exercising these rights will not result in different treatment, pricing, or service quality.
To exercise any of these rights, email [email protected] with the request type and reasonable identity verification. Requests are processed within 45 days as required by California law.
Your rights under other state privacy laws
Residents of Colorado, Connecticut, Utah, Virginia, and several other states have privacy rights similar to CCPA/CPRA under their respective state laws. The same email address ([email protected]) handles all state-level privacy requests.
How we respond to law enforcement requests
We respond to lawful subpoenas, court orders, and other valid legal process. Our policies require: verification that the requesting party is a legitimate law enforcement agency, the request specifies particular records rather than blanket data collection, the legal basis is identifiable in the document, and notice to the affected user when permitted by law.