Privacy policy

Loans Plainly is an educational loan information and calculator site. The editorial site and calculators do not collect loan applications through Loans Plainly systems, approve loans, produce lender quotes, or make lending decisions.

The optional third-party request form on /request-loan is separate from the editorial site. Information entered into that form may be processed by the form provider, its lender network, and any lender that reviews the request.

The site is designed so readers can learn about loans and run planning estimates without giving Loans Plainly sensitive loan application information.

Loans Plainly is operated by LEGITIME DOMAINS d.o.o., Ulica Stjepana Gradića 1, 10010 Zagreb, Croatia.

For privacy questions or requests, contact contact@loansplainly.com or use the contact page.

The information collected depends on how you use the site. Visiting a page is different from contacting us directly.

• Basic technical data such as IP address, browser, device type, pages requested, timestamps, referrer, and security logs
• Analytics data when analytics is enabled, such as page views, approximate location, traffic source, browser, device, and navigation patterns
• Cookies or similar technologies when required for analytics or basic site functionality
• Voluntary contact information such as your name, email address, and message content if you contact us
• Newsletter information only if a newsletter feature is introduced and you choose to subscribe
• Affiliate click or referral data when a disclosed partner link or optional third-party request placement is used
• Calculator inputs that you enter into calculator tools

Loans Plainly does not ask you to send sensitive application, account, identity, or credential information. Do not include this information in calculators, messages, or emails to us.

• Social Security numbers, national ID numbers, or government ID documents
• Bank account logins, passwords, one-time codes, or security questions
• Full bank account numbers, full card numbers, or account access credentials
• Income documents, pay stubs, tax returns, or credit report uploads
• Loan application packages, lender portals, or borrower account files
• Information about children or messages sent on behalf of children

For the current static calculators, numbers you enter are used for education and planning and are handled in the browser. They are not loan applications, not lender submissions, and not transmitted to lenders by Loans Plainly.

Calculator results are estimates only. They are not offers, quotes, approvals, prequalifications, regulated disclosures, or final payment schedules.

We use information for limited purposes connected to operating an educational website. Where EU-style legal bases are relevant, we generally rely on legitimate interests, consent where required, and legal obligation where applicable.

• Operate, maintain, secure, troubleshoot, and improve the site
• Respond to messages, privacy requests, correction requests, and disclosure concerns
• Understand whether calculators and educational content are useful and navigable
• Measure site performance and basic usage when analytics is enabled
• Maintain disclosed affiliate or referral attribution for partner placements
• Comply with legal obligations, enforce site terms, and protect the site from abuse

Google Analytics 4 is configured through environment variables and loads only when ENABLE_ANALYTICS=true in production with a valid GA measurement ID. If those conditions are not met, the analytics script does not render.

Loans Plainly does not configure advertising cookies or retargeting pixels in public editorial content.

When the optional third-party request form is enabled on /request-loan, the form provider may use its own scripts, tracking, cookies, terms, and privacy practices for that form experience.

You can control cookies through your browser settings. Blocking analytics cookies may reduce measurement accuracy but should not prevent basic access to the site.

Loans Plainly may rely on third-party services to host the site, deliver pages, measure analytics when enabled, receive email or contact messages, protect against abuse, manage affiliate attribution, and provide the optional third-party loan request form.

Those providers process information under their own terms and privacy policies. Loans Plainly does not send calculator inputs to lenders or broker matching services.

If you use the optional request form, information entered into that form may be processed by the form provider, its lender network, and lenders that review the request. Review the provider and lender disclosures before submitting information.

• Hosting, deployment, and security providers
• Analytics providers when analytics is enabled
• Email or contact management providers for messages you send
• Affiliate attribution or partner networks for disclosed partner placements
• Optional third-party loan request form provider and lender network

Loans Plainly does not sell loan application data collected through its own editorial site or calculator systems.

If you choose to use the optional third-party request form, the form provider, its lender network, and reviewing lenders may receive and process the information you submit under their own terms.

Partner networks may receive click, referral, or attribution information when you choose to use a disclosed partner link or request placement.

Retention depends on the type of information. Security logs may be kept for operational and security needs. Contact emails may be kept while needed to respond and maintain a reasonable record of the inquiry. Analytics retention is governed by the analytics provider's configuration and policies.

Affiliate attribution data and optional third-party request-form data may be retained by partner networks, providers, or lenders under their own terms.

You may request access, correction, deletion, or clarification regarding personal information you voluntarily provided to Loans Plainly. Some requests may be limited by legal, security, or recordkeeping obligations.

• Use browser controls to block or delete cookies.
• Unsubscribe from any newsletter if one is introduced and you subscribed.
• Contact us to request access, correction, deletion, or restriction where applicable.
• EU visitors may also have rights to object, port data, withdraw consent where consent applies, and complain to a supervisory authority.

We use reasonable measures to protect the limited information handled by the site, including encrypted connections and access controls where appropriate. No website can guarantee perfect security.

Do not send sensitive financial documents, identity documents, credentials, or loan application packages to Loans Plainly.

Loans Plainly is intended for adult audiences researching borrowing topics. It is not directed to children, and we do not knowingly collect personal information from children.

Loans Plainly is operated from Croatia and may use providers in other countries. If you visit from outside Croatia, your information may be processed in a country with different data protection rules than your location.

This policy may be updated as the site, analytics configuration, advertising posture, or legal requirements change. The current version is the version published on this page.

For privacy questions or requests, contact contact@loansplainly.com or use the contact page. Please do not include sensitive account, identity, tax, credit, or loan application information in your message.