17. Information Collection
17.1 Personal Information We Collect
- Account Information: Name, email, phone, company details, billing information
- Profile Information: Skills, licenses, certifications, work history
- Transaction Information: Loan details, time entries, payments
- Communication Data: Messages, support requests, feedback
- Technical Data: IP address, browser type, device information, logs
- Location Data: GPS coordinates for time tracking and job sites
- Background Check Data: License verification, criminal background (with consent)
17.2 Information Collected Automatically
- Usage Data: Pages visited, features used, time spent
- Device Data: Device type, operating system, unique identifiers
- Cookies and Tracking: See Section 23
18. Information Use
We use collected information to:
- Provide and maintain the platform
- Process transactions and send related information
- Send administrative information (updates, security alerts)
- Facilitate matches between companies and workers
- Verify identities and qualifications
- Detect and prevent fraud and abuse
- Improve our services and develop new features
- Comply with legal obligations
- Enforce our Terms and policies
19. Information Sharing
19.1 We Share Information With
- Other Platform Users: Necessary information to facilitate matches and transactions
- Service Providers: Third parties who help operate our platform (including Stripe for payment processing)
- Legal Authorities: When required by law or to protect rights
- Business Transfers: In connection with mergers, acquisitions, or asset sales
- With Your Consent: When you explicitly authorize sharing
19.2 We DO NOT Sell Your Information
We do not sell personal information to third parties.
20. Data Security
20.1 Security Measures
We implement appropriate technical and organizational measures to protect your information, including:
- Encryption in transit (TLS/SSL)
- Encryption at rest for sensitive data
- Access controls and authentication
- Regular security assessments
- Secure infrastructure hosting
20.2 Limitations
No method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.
21. Data Retention
21.1 Retention Period
We retain personal information:
- For as long as your account is active
- For as long as needed to provide services
- As required by law (tax, employment, etc.)
- For legitimate business purposes (analytics, improvement)
21.2 Deletion
Upon account termination, we retain data as required by law and for legitimate business purposes, then securely delete it.
22. User Rights
You may have the right to:
- Access your personal information
- Correct inaccurate information
- Delete your information (subject to legal requirements)
- Export your data
- Object to certain processing
- Withdraw consent (where applicable)
To exercise these rights, contact us at privacy@loanlabor.com.
23. Cookies and Tracking
23.1 We Use Cookies To
- Remember your preferences
- Understand how you use the platform
- Improve user experience
- Prevent fraud
23.2 Cookie Control
You can control cookies through your browser settings. Disabling cookies may limit platform functionality.
24. Children's Privacy
The platform is NOT intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected children's data, we will delete it promptly.
25. International Transfer
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers.
26. Privacy Policy Changes
We may update this Privacy Policy. We will notify you of material changes. Continued use after changes constitutes acceptance.
This is a static public snapshot. The authoritative version of this document is presented and recorded at account registration.
Part I — the Terms of Service — is published separately at terms.html. Both parts form a single document ("LoanLabor Platform Terms of Service and Privacy Policy", Version 1.2.0).