Privacy Policy
1. Overview
LoanKey ("we," "us," or "our") operates the website located at www.loankey.org (the "Site"). LoanKey is an independent personal finance comparison platform serving US consumers. We are committed to protecting your privacy and being transparent about how we collect and use data.
This Privacy Policy explains what information LoanKey collects when you visit our Site, how we use that information, how we share it, and what choices you have. By using LoanKey, you agree to the practices described in this policy.
Important: LoanKey does not originate, process, or approve loans. We are an editorial comparison platform. We do not collect Social Security Numbers (SSN), bank account details, or loan application data. Any loan applications happen directly on lender websites — not on LoanKey.
2. Information We Collect
2.1 Information You Provide
LoanKey does not require account registration. We do not operate comment sections, loan application forms, or subscription sign-ups that collect personal data directly from visitors.
2.2 Information Collected Automatically
When you visit LoanKey, certain technical data is automatically collected by our web servers and third-party analytics tools:
- IP Address: Your internet protocol address, used to estimate geographic region (country/state level only)
- Browser & Device: Browser type, operating system, screen resolution, and device type (desktop, mobile, tablet)
- Pages Visited: Which pages on LoanKey you viewed, time spent on each page, and navigation path
- Referral Source: The website or search engine that directed you to LoanKey
- Click Data: Which links you clicked, including outbound clicks to lender websites
- Session Duration: How long your visit lasted and whether you returned to the site
2.3 Cookies & Similar Technologies
LoanKey and its advertising partners use cookies, web beacons, and similar tracking technologies. See Section 3 for full details on how cookies are used.
3. Cookies & Tracking Technologies
LoanKey uses several types of cookies to operate the site and serve relevant advertising. Below is a full breakdown of cookie categories used:
Essential Cookies
Required for basic site function. These cookies do not collect personal data and cannot be disabled without breaking core site features. Examples include session identifiers and security tokens.
Analytics Cookies
LoanKey uses Google Analytics to understand how visitors use our site. Google Analytics collects anonymized data about page views, session duration, traffic sources, and device types. This data is aggregated and does not identify individual users. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
Advertising Cookies
LoanKey participates in the Google AdSense advertising program. Google and its advertising partners use cookies to serve ads based on your prior visits to LoanKey and other websites. These cookies allow advertisers to display loan-related ads relevant to your interests. Google's use of advertising cookies is governed by Google's Privacy Policy.
You can control interest-based advertising from Google by visiting Google's Ads Settings at adssettings.google.com. You can also opt out via the Network Advertising Initiative at optout.networkadvertising.org.
Affiliate Tracking Cookies
When you click a link to a lender website from LoanKey, an affiliate tracking cookie may be set by that lender or our affiliate network. This cookie tracks whether you completed a loan application so we can receive compensation. This cookie is set by the lender — not by LoanKey — and is governed by the lender's privacy policy.
Managing Cookies
You can manage or delete cookies through your browser settings. Disabling cookies may affect certain site features and the relevance of ads you see. Most browsers allow you to block third-party cookies specifically, which limits advertiser tracking without affecting essential cookies.
4. Advertising & Google AdSense
LoanKey is monetized through Google AdSense, a contextual and interest-based advertising program operated by Google LLC. Google AdSense displays advertisements relevant to the content on each page and your browsing history.
How AdSense Works on LoanKey
When you visit a page on LoanKey, Google's servers automatically select ads to display based on the page content, your location (derived from your IP address), your past browsing behavior across Google's advertising network, and demographic data Google may have associated with your browser or device.
What Google Collects
Google may collect data about your visit to LoanKey including pages viewed, time spent, and interactions with advertisements. This data is used by Google to improve ad relevance. LoanKey does not have access to the individual-level data Google collects for advertising purposes.
Third-Party Advertisers: Lenders and financial service companies advertising on LoanKey through Google AdSense may set their own cookies when you click their ads. LoanKey has no control over those cookies. Please review each lender's privacy policy before applying for a loan.
Opting Out of Interest-Based Advertising
US consumers can opt out of interest-based advertising from Google and other participating companies at aboutads.info/choices or by using the Google Ads Settings page at adssettings.google.com. Note that opting out does not prevent ads from appearing — it means ads will no longer be personalized based on your browsing behavior.
5. Third-Party Links & Lender Websites
LoanKey contains links to third-party lender websites including SoFi, LendingClub, Upstart, Marcus by Goldman Sachs, and others. When you click a link to a lender's website, you leave LoanKey and are subject to that lender's privacy policy, terms of service, and data practices.
LoanKey is not responsible for the privacy practices of any third-party website. We strongly encourage you to read the privacy policy of any lender or financial institution before submitting a loan application or personal information.
LoanKey links are clearly labeled. We never redirect you to a lender without your deliberate click. We do not collect your data on behalf of any lender.
6. How We Use Your Data
The data LoanKey collects automatically is used for the following purposes:
- Operating and improving the LoanKey website and loan comparison tools
- Analyzing which loan comparison pages are most useful to US borrowers
- Measuring the effectiveness of our editorial content
- Serving relevant financial advertisements through Google AdSense
- Detecting and preventing fraudulent or abusive site usage
- Complying with legal obligations under applicable US law
- Generating anonymous, aggregated traffic and engagement reports
LoanKey does not use your data to make automated decisions that affect your legal rights. We do not profile individual users for credit or financial scoring purposes.
7. Data Sharing & Disclosure
LoanKey does not sell your personal data to third parties. We share data only in the following limited circumstances:
Service Providers
We share anonymized, aggregated analytics data with Google LLC (Google Analytics) to understand site performance. Google processes this data under Google's own privacy policy and Data Processing Amendment.
Advertising Partners
Google AdSense and its network of advertisers receive cookie and browsing data as described in Section 4. This enables them to serve relevant loan advertisements to site visitors.
Affiliate Networks
When you click a lender link, affiliate tracking data (click ID, page referral) is shared with our affiliate network to track conversions. No personally identifiable information is included in this data.
Legal Requirements
LoanKey may disclose data if required by law, court order, or government authority. We will notify affected users to the extent permitted by applicable law before any such disclosure.
Business Transfers
In the event LoanKey is acquired, merged, or transfers its assets, user data may be transferred as part of that transaction. You will be notified via a prominent notice on our website before any such transfer occurs.
8. Data Security
LoanKey uses HTTPS encryption (SSL/TLS) across all pages of the Site to protect data transmitted between your browser and our servers. This means all page content and any data you send to LoanKey is encrypted in transit.
LoanKey does not store sensitive financial data such as SSNs, bank account numbers, or credit card details — because we never collect them. Our site is an editorial comparison platform, not a loan application system.
Despite our security measures, no internet transmission is 100% secure. If you discover a security vulnerability on LoanKey, please contact us immediately at editorial@loankey.org.
9. Your Privacy Rights
Depending on your state of residence, you may have the following rights regarding your data:
| Right | Description | Available |
|---|---|---|
| Access | Request a copy of the data we hold about you | Yes |
| Deletion | Request deletion of your personal data from our systems | Yes |
| Opt-Out of Ads | Opt out of interest-based advertising via Google Ads Settings | Yes |
| Correction | Request correction of inaccurate data | Yes |
| Data Portability | Receive your data in a portable format (where applicable) | Yes |
| Non-Discrimination | Exercise your rights without discriminatory treatment | Yes |
To exercise any of these rights, email us at editorial@loankey.org with subject line "Privacy Rights Request." We will respond within 30 days as required by applicable US privacy law.
10. California Residents — CCPA Rights
If you are a California resident, the California Consumer Privacy Act (CCPA) grants you additional rights regarding your personal information. Under the CCPA:
- You have the right to know what personal information LoanKey collects, uses, discloses, and sells
- You have the right to request deletion of your personal information
- You have the right to opt out of the sale of your personal information
- You have the right to non-discrimination for exercising your CCPA rights
Do Not Sell My Personal Information: LoanKey does not sell personal information as defined by the CCPA. However, our use of Google AdSense may constitute a "sale" under CCPA's broad definition. To opt out, use Google's Ads Settings at adssettings.google.com or the Network Advertising Initiative opt-out at optout.networkadvertising.org.
California residents may submit CCPA requests to: editorial@loankey.org. Please include "CCPA Request" in the subject line and your California state of residence.
11. Children's Privacy
LoanKey is intended exclusively for adults aged 18 and older. Personal loans, debt consolidation, and consumer financial products discussed on this site require legal adult status in all US states.
LoanKey does not knowingly collect personal information from anyone under the age of 18. If we become aware that a person under 18 has provided personal information to LoanKey, we will delete that information immediately. If you believe a minor has submitted data to our site, please contact us at editorial@loankey.org.
12. Changes to This Privacy Policy
LoanKey may update this Privacy Policy periodically to reflect changes in our data practices, applicable laws, or the services we use. When we make material changes, we will update the "Last Updated" date at the top of this page.
We encourage you to review this Privacy Policy regularly. Continued use of LoanKey after any changes constitutes your acceptance of the updated policy. If changes materially affect your rights, we will post a prominent notice on the LoanKey homepage.
13. Contact Us
For privacy-related questions, data requests, or concerns about this Privacy Policy, please contact the LoanKey editorial team:
- Email: editorial@loankey.org
- Subject Line: Privacy Policy Inquiry
- Response Time: Within 30 days of receipt
- Platform: www.loankey.org
- Jurisdiction: United States
For California CCPA requests, please include "CCPA Request" in your subject line. For general privacy questions about Google AdSense and advertising, please visit Google's Privacy Policy at policies.google.com/privacy.