This Privacy Policy (the "Policy") explains how Advantage First Financial LLC, doing business as "Loan Streamline Pro" ("we," "our," or "us"), collects, uses, shares, and protects personal information when you visit https://loanstreamlinepro.com (the "Site") or use any of our services (collectively, the "Services"). By using the Site or Services, you agree to this Policy. If you do not agree, do not use the Site.
1. Summary
- We are a licensed lender (Advantage First Financial LLC, NMLS #2674295, dba Loan Streamline Pro) serving residents of Texas and Utah.
- We collect the information you submit and limited information generated automatically when you use the Site.
- We use your information to evaluate and service your loan application, and we share it with service providers that help us operate (such as credit bureaus and identity-verification services).
- We do not sell personal information to third parties for cross-context behavioral advertising.
- We never share or sell your mobile phone number or SMS opt-in consent with third parties or affiliates for marketing purposes (see Section 5.3).
- You have rights to access, correct, delete, and limit certain uses of your personal information (see Section 9).
2. Personal Information We Collect
We collect personal information directly from you, automatically when you interact with the Site, and from third parties.
2.1 Information you provide
- Identifiers: full name, email address, phone number, mailing address.
- Financial information: estimated balance amount, loan purpose, estimated credit range, monthly income.
- Communications consent records: the exact opt-in language shown to you, plus the date, time, IP address, and user agent recorded at submission.
- Correspondence: any messages, emails, or feedback you send to us.
2.2 Information collected automatically
- Device and usage data: IP address, browser type, operating system, device identifiers, referring URL, pages viewed, time spent on pages, click events.
- Cookies and similar technologies: see Section 6.
2.3 Information from third parties
- Consumer reporting agencies and service providers: credit and pre-qualification data, eligibility results, and the outcome of your application.
- Advertising and analytics partners: traffic source information, conversion data, audience segments.
- Identity verification services: to confirm your identity and help prevent fraud as required by law.
3. How We Use Your Personal Information
We use personal information to:
- Provide, operate, and improve the Site and Services.
- Evaluate, underwrite, fund, and service your loan and loan application.
- Communicate with you by email, phone, and (only with your express opt-in) SMS about your inquiry, your application, and our Services.
- Verify your identity and prevent fraud, money laundering, and other unlawful activity, including as required by federal law (e.g., the USA PATRIOT Act).
- Comply with applicable laws, court orders, and regulatory requests.
- Conduct analytics, research, and product development.
- Enforce our Terms of Service and protect our rights, property, and the safety of our users.
4. How We Share Personal Information
We share personal information with the following categories of recipients:
- Consumer reporting agencies. We share and obtain information with credit bureaus and similar agencies to evaluate and service your loan.
- Service providers and processors. Companies that perform services on our behalf - hosting, analytics, email and SMS delivery, loan origination and servicing, identity verification, payment processing, customer support, and CRM systems - receive information under contractual obligations to keep it confidential and use it only for the services they provide to us.
- Affiliated third parties. Companies under common ownership or control, only for purposes consistent with this Policy.
- Advertising and analytics partners. Providers such as Google Analytics, Meta, and similar platforms may receive aggregated or pseudonymous usage data; some may set cookies on your device. See Section 6.
- Government, regulators, and law enforcement. Where required by law, subpoena, court order, or to protect rights, property, or safety.
- Corporate transactions. In connection with a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets.
We do not "sell" personal information in exchange for monetary consideration. Certain disclosures to advertising or analytics partners may be considered "sharing" or "sale" under some state privacy laws - see Section 9 and our California Privacy Notice.
Mobile information — including your mobile phone number and SMS/text-messaging opt-in consent — will not be shared, sold, rented, or transferred to any third parties or affiliates for their own marketing or promotional purposes. SMS opt-in consent is never shared with third parties for any purpose. Mobile information may be disclosed only to the service providers (such as our SMS gateway) that help us operate the messaging program, and only as needed to deliver those messages. The categories of sharing described above do not apply to mobile phone numbers or SMS opt-in consent.
5. Communications & Marketing
5.1 Email
We may send you transactional emails (about your inquiry, account, or any application you submit) and, if you have not opted out, marketing emails. You can unsubscribe from marketing emails at any time by clicking the unsubscribe link in any marketing email or by contacting us.
5.2 Phone calls
If you check the phone-call consent box on our form, you authorize us to call you at the number provided, including via automatic telephone dialing systems and artificial or prerecorded voice messages. Consent is not a condition of any purchase or service. You may opt out at any time by telling the caller you wish to be removed.
5.3 SMS / text messages
If you check the SMS consent box on our form, you authorize us to send you informational text messages about your loan inquiry, application status, appointment reminders, account updates, document reminders, and customer support at the mobile number provided. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to cancel. Consent is not a condition of purchase, service, or loan approval. See our SMS Terms for additional details.
Mobile information — including your mobile phone number and SMS/text-messaging opt-in consent — will not be shared, sold, rented, or transferred to any third parties or affiliates for their own marketing or promotional purposes. SMS opt-in consent is never shared with third parties for any purpose. Mobile information may be disclosed only to the service providers (such as our SMS gateway) that help us operate the messaging program, and only as needed to deliver those messages.
5.4 AI-assisted communications
Some communications may be generated using automated technology or AI-assisted systems. A real specialist remains responsible for any binding loan offer or advice.
6. Cookies & Tracking Technologies
We and our analytics and advertising partners use cookies, web beacons, pixels, local storage, and similar technologies to operate the Site, remember your preferences, measure usage, attribute conversions, and improve our marketing.
- Strictly necessary cookies are required to operate the Site (session management, CSRF protection, security).
- Analytics cookies help us understand how visitors use the Site so we can improve it.
- Marketing cookies help measure the effectiveness of advertising and may be set by third parties.
You can manage cookies through your browser settings or device controls. Some browser features (such as the Global Privacy Control signal) may be honored as an opt-out request where required by law.
7. Data Security
We use commercially reasonable administrative, technical, and physical safeguards designed to protect personal information, including encryption in transit (TLS) and access controls. No security measure is perfect, and we cannot guarantee absolute security. You are responsible for keeping your account credentials confidential.
8. Data Retention
We retain personal information for as long as needed to provide the Services, comply with our legal and regulatory obligations (including consent recordkeeping for SMS and telephone outreach), resolve disputes, and enforce our agreements. Retention periods vary based on the type of information and the purposes for which it was collected.
9. Your Rights & Choices
Depending on where you live, you may have the following rights regarding your personal information:
- Access the personal information we hold about you.
- Correct inaccurate personal information.
- Delete personal information, subject to certain legal exceptions.
- Opt out of "sale" or "sharing" of your personal information.
- Limit the use of sensitive personal information, where applicable.
- Non-discrimination for exercising your privacy rights.
- Appeal a denial of your privacy request, in states that provide an appeal right.
To exercise any of these rights, email support@loanstreamlinepro.com or call (833) 289-0694. We will verify your identity before processing your request. California residents - see our California Privacy Notice for additional rights and disclosures under the CCPA/CPRA.
10. Children's Privacy
The Site is not directed to children under 18, and we do not knowingly collect personal information from children under 18. If you believe a child has provided personal information, please contact us so we can delete it.
11. International Users
The Site is intended for U.S. residents. If you access the Site from outside the United States, your information will be processed in the United States, which may have data protection laws different from those of your country.
12. Third-Party Sites
The Site may link to third-party websites, including those of our service providers. We are not responsible for the privacy practices or content of any third-party site. When you interact with a third-party site, that party's own privacy policy governs how it uses your information.
13. Changes to This Policy
We may update this Policy from time to time. The "Last updated" date at the top of this page indicates when changes were posted. Material changes will be communicated through prominent notice on the Site or other appropriate means.
14. Contact Us
If you have questions about this Policy or our privacy practices, contact us:
Advantage First Financial LLC
1712 Pioneer Ave Suite 500, Cheyenne, WY 82001
support@loanstreamlinepro.com · (833) 289-0694