Privacy Policy

📋 1. Overview

Global Loan Advisor ("GLA," "we," "us," or "our"), operated by Shahid Hassan Naik, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit globalloanadvisor.com.

By accessing or using the site, you acknowledge that you have read and understood this policy. If you disagree with its terms, please discontinue use of the site.

📊 2. Information We Collect

Information you provide directly:

• Email address, if you subscribe to our weekly rate alert newsletter
• Name and email, if you submit a contact form
• Any information you voluntarily include in a message to us

Information collected automatically:

• IP address (anonymised where required by law)
• Browser type, version, and operating system
• Pages visited, time on page, and referring URL
• Device type (desktop, mobile, tablet)
• General geographic location (country/region — not precise location)

We do not collect financial account details, credit card numbers, Social Security numbers, or credit scores. GLA is a research and information platform — not a lender, broker, or financial services provider.

⚙️ 3. How We Use Your Information

• To deliver the weekly rate alert newsletter you subscribed to
• To respond to contact form submissions and enquiries
• To analyse site usage and improve content quality and navigation
• To detect and prevent fraudulent or abusive behaviour
• To comply with applicable legal obligations
• To monitor site performance and fix technical errors

🍪 4. Cookies & Tracking Technologies

Essential cookies: Required for basic site functionality. Cannot be disabled without affecting site operation.

Analytics cookies: Help us understand page views, traffic sources, and user behaviour via Google Analytics. Data is aggregated and anonymised.

Preference cookies: Remember settings you have chosen such as cookie consent status.

We do not use: advertising cookies, retargeting cookies, or any cookies that track you across third-party websites for commercial purposes.

You can control or delete cookies via your browser settings. To opt out of Google Analytics: Google Analytics Opt-out Add-on.

🔗 5. Third-Party Services

• Google Analytics — Website traffic analysis. IP anonymisation enabled.
• Email service provider (ESP) — Used to deliver the newsletter only. Your email is stored solely for this purpose.
• Web hosting provider — Standard server logs retained for security and performance.
• Cloudflare (CDN) — Content delivery and DDoS protection.

We do not share your data with lenders, financial comparison platforms, credit bureaus, or advertising networks. GLA has no affiliate relationships with lenders — there is no commercial reason to share your data.

🔐 6. Data Storage & Security

• SSL/TLS encryption for all data in transit (HTTPS enforced site-wide)
• Access controls limiting who can access personal data
• Regular security reviews of our hosting environment
• Minimal retention — only what is necessary for the stated purpose

Subscriber emails are retained until you unsubscribe. Contact form data is retained for up to 12 months then deleted. Analytics data is retained in anonymised form for up to 26 months.

⚖️ 7. Your Rights

To exercise any right, contact us using the email in Section 12. We will respond within 30 days.

🇪🇺 8. GDPR — EU & UK Users

If you are located in the EEA or United Kingdom, the GDPR and UK GDPR apply. Legal bases for processing:

• Consent — Newsletter subscription (withdraw at any time)
• Legitimate interests — Analytics, site security, responding to enquiries
• Legal obligation — Where required by applicable law

You have the right to lodge a complaint with your local data protection authority. For UK users: Information Commissioner's Office (ICO). For EU users: your national supervisory authority.

🇺🇸 9. CCPA — California Residents

• Right to know what personal information we collect, use, and disclose
• Right to delete personal information we have collected from you
• Right to opt out of the sale of personal information
• Right to non-discrimination for exercising your CCPA rights

👶 10. Children's Privacy

Global Loan Advisor is not directed to children under the age of 13 (or 16 in the EEA/UK). We do not knowingly collect personal information from children. If you believe your child has provided us with personal information, please contact us immediately and we will promptly delete it.

🔄 11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Material changes will be communicated via a prominent notice on the site homepage for a minimum of 30 days.

Your continued use of the site after any changes constitutes your acceptance of the updated Privacy Policy.

📧 12. Contact Us

For any privacy-related questions, requests to exercise your rights, or concerns about how we handle your data, please contact: