Who are we?
We are SmartLoan USA, a lending company.
Our website address is: https://smartloancanada.us/
What information do we collect?
Information you voluntarily provided:
Name
Age
Contact information (phone number, email)
Area of residence
Loan amount required
Device-related information
To verify the device and mitigate risks, we may collect:
Device model and brand (e.g., iPhone 12 / iPhone 14 Pro)
Device serial number (partially masked)
Operating system version
IP address
Location information (used only for risk assessment)
Automatically collected information
When you access our system, we automatically collect:
Login records and usage logs
Page view data
Device security status (such as jailbreak detection)
Authentication Information
Some services may require:
Identity document verification
Bank information (for loan disbursement and repayment only)
How we use your information
The information we collect is used solely to provide, improve, and protect SmartLoan USA services, including:
For completing loan applications and matching suitable loan amounts
Identity verification and fraud prevention
Loan disbursement and repayment processing
Customer service and account support
Risk control and internal statistics
Compliance with regulatory requirements
We will never sell your personal information.
Legal requirements
We may provide necessary information if required by law or by government or law enforcement agencies to fulfill:
Legal obligations
Security risk investigations
Reviews of fraudulent or illegal activities
Data Security, Data Storage and Retention
We employ multi-layered security measures to protect your data, including:
Data encryption
Access control
Firewalls and risk monitoring systems
Regular security audits
However, please understand that no system can guarantee 100% security.
We retain your data based on the following factors:
Legal and regulatory requirements
During the provision of services
Risk control time limits
Generally:
After account closure, we will delete or anonymize personal data within 1-3 years.
Your rights: Protection of minors
You have the right to:
Access the personal data we hold about you
Request correction of inaccurate information
Delete or restrict the use of your data (within legal limits)
Withdraw your consent (this may affect loan services)
File a privacy-related complaint
To exercise the above rights, please contact customer support.
We do not proactively offer loan services to users under 18 years of age,
nor do we knowingly collect information from minors.
Last updated: [03/2025/17]