1. We Are Not a Lender
DCR Loans is a comparison and matching service. We are NOT a lender, bank, credit union, loan broker acting on your behalf, or financial institution. We do not issue loans, make lending or credit decisions, determine your eligibility, set rates or fees, underwrite, or transfer funds.
What we do: based on information you provide, we help you compare options and, when you choose to proceed, we facilitate your request by connecting you with an independent third-party provider from our network ("Provider" or "Providers"). Those Providers, not DCR Loans, make all decisions about whether to offer you a loan, the amount, the rate, and the terms. Any actual terms, including APR, finance charges, payment schedule, and required disclosures under the federal Truth in Lending Act (TILA) and Regulation Z, are determined and disclosed to you by the Provider before you enter into any agreement.
We do not promise loan approval, funding, or any specific outcome.
Representative products surfaced through the Services carry APRs from 5.99% to 35.99% (maximum 35.99%), terms of 65 days to 24 months, and amounts from $100 to $5,000. These are representative ranges only; your actual offer, if any, is set by the Provider. State availability varies.
2. Information We Collect
We collect only what is reasonably necessary to provide the Services and to facilitate the application or request you choose to start.
2.1 Information you provide
Identifiers and contact information: name, date of birth, email address, phone number, and residential address. We use phone number plus a one-time passcode (OTP) for login and verification.
Application information: to complete an application with a Provider, the application flow may require identity-verification information (such as a Social Security Number and driver's license) and financial information (such as bank account and routing number, employer details, employment status, income, and the purpose of your request). You enter this information yourself in the flow so that the Provider you select can evaluate your request.
Money-habits inputs: goals and progress you enter in the savings-challenge and progress-tracking module.
Communications: information you provide when you contact support.
2.2 Information collected automatically
Device information: device type, operating system, app version, device identifiers, and language settings.
Usage and technical data: screens viewed, in-app events, diagnostics and crash data, and approximate location derived from technical signals (such as IP address) for fraud prevention and state-availability purposes.
We do not knowingly collect more information than is reasonably necessary. We are a comparison and matching service and do not originate or offer loans ourselves.
3. How We Use Your Information
We use personal information to:
- create and manage your account and authenticate you (phone plus OTP);
- help you compare options and, when you choose to proceed, facilitate the application or request you initiated with the Provider you select;
- provide the money-habits module;
- communicate with you about the Services, including service messages and responses to your requests;
- maintain, secure, debug, and improve the Services;
- detect, prevent, and respond to fraud, abuse, and security incidents;
- determine state availability and other legal eligibility requirements; and
- comply with our legal obligations and enforce our Terms.
We do not use your information to make lending decisions because we do not make lending decisions.
4. How and With Whom We Share Your Information
We do not share your information with third parties for their independent commercial use, and we do not share it for cross-context behavioral advertising.
We may receive a referral fee from a Provider for connecting you with it. That fee is compensation for the referral service, not consideration for providing your personal information to third parties for their independent use.
We share personal information only as follows:
4.1 Providers you choose
When you choose to proceed with a request, we share the information you submitted only with the single independent Provider you select, as needed to facilitate the application or request you initiated. This sharing is at your direction, to complete the transaction you asked us to start. Once your information is shared with a Provider, the Provider acts as an independent controller and handles it under its own privacy policy and applicable law.
4.2 Service vendors
We share information with vendors that perform services for us, such as cloud hosting, OTP and messaging delivery, analytics and crash reporting, customer support tooling, and security and fraud prevention. They may use the information only to perform services for us and are bound by confidentiality and data-protection obligations.
4.3 Legal, safety, and business transfers
We may disclose information to comply with law or lawful requests; to protect the rights, property, or safety of DCR Loans, our users, or others, including to prevent fraud; and in connection with a merger, acquisition, financing, or sale of assets, in which case we will require the recipient to honor this Policy or provide notice of any material change.
4.4 With your direction
We share information with third parties when you ask us to.
5. Your Privacy Rights and Choices
Subject to your jurisdiction and applicable law, you may have the right to access or know, correct, and delete your personal information, to limit certain sharing as defined by applicable state privacy law, to limit the use of sensitive personal information, and not to be discriminated against for exercising your rights.
5.1 How to exercise your rights
Email privacy@dcrloans.com or write to the address in Section 11. We verify your identity before acting on most requests. You may use an authorized agent where the law allows. We honor opt-out preference signals such as Global Privacy Control (GPC) where required.
5.2 In-App Account Deletion
You can delete your account and associated personal information directly in the App:
- Open the DCR Loans App and sign in.
- Go to Account or Settings.
- Select "Delete Account."
- Confirm when prompted.
When you delete your account, we delete or de-identify the personal information associated with it, except information we are required or permitted to retain under applicable law. Deleting your account here does not delete information already held by a Provider; contact the Provider directly to address that information. If you cannot use the in-app feature, email privacy@dcrloans.com.
5.3 Marketing choices
Email: use the unsubscribe link in marketing emails (processed under CAN-SPAM). Transactional messages may continue.
SMS: reply STOP to opt out, HELP for help (TCPA). OTP and essential alerts may still be delivered.
Push: disable in your device settings.
6. State Privacy Disclosures (United States)
This Section adds disclosures for residents of US states with comprehensive privacy laws, including California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), and Texas (TDPSA).
Categories of personal information we collect: identifiers (name, date of birth, email, phone, address, device identifiers); financial and identity information you enter to complete an application (such as bank account information and, where a Provider requires it, Social Security Number and driver's license); professional or employment information; internet or network activity (usage and diagnostics); and approximate location for fraud prevention and state availability.
Sensitive personal information: where identity or financial information you provide is treated as "sensitive" under your state's law, we use it only to provide the Services you request, to facilitate the application you start, and to prevent fraud and ensure security.
Sharing: we do not share personal information for cross-context behavioral advertising or for monetary or other valuable consideration unrelated to facilitating your request. Disclosures to the Provider you select are made at your direction to complete the transaction you requested. California residents may exercise the rights above as described in Section 5; we do not knowingly share the personal information of consumers under 16 for purposes prohibited by applicable law.
7. Financial Information and Credit Reporting
GLBA. Financial information you enter (such as bank account and income details) may be treated as nonpublic personal information under the Gramm-Leach-Bliley Act and is handled accordingly.
FCRA. DCR Loans does not pull consumer reports or make credit decisions. If a Provider you select chooses to obtain a consumer report, that is done by the Provider under the Fair Credit Reporting Act, with any hard credit inquiry occurring only under the Provider's process and authorization.
8. Data Retention
We keep personal information only as long as reasonably necessary for the purposes in this Policy, to comply with legal, tax, and regulatory obligations, to resolve disputes, prevent fraud, and enforce our agreements. As general guidance: account and application data for the duration of the relationship and a period afterward as required by law; device and usage logs for a shorter period; opt-out and request records for the period required by law. Information you have shared with a Provider is retained by that Provider under its own practices.
9. Security
We use administrative, technical, and physical safeguards, including encryption in transit and access controls. No method of transmission or storage is completely secure. Keep your login credentials and device secure, and contact privacy@dcrloans.com if you believe your account has been compromised.
10. Children, US Only, and Changes
The Services are intended for adults in the United States and are not directed to anyone under 18. We do not knowingly collect information from anyone under 18. Your information is processed and stored in the United States. We may update this Policy; we will revise the "Last updated" date and, where required, provide additional notice. The current version is always available at https://dcrloans.com/privacy/.
11. Contact Us
DCR Loans LLC
4260 Loch Lomond Ln, Colorado Springs, CO 80909
Privacy email: privacy@dcrloans.com
Support email: help@dcrloans.com
Website: https://dcrloans.com