Policy

Privacy Policy

Effective date: March 18, 2026 | Last updated: March 18, 2026

Policy

Privacy Policy

How data is collected, used, retained, and protected for this service scope.

Scope definedPlain-language summaryFull legal sections below
Date of effect 3/21/26

What changed

Date of effect: 3/21/26

  • Clarified data handling scope and provider boundaries.
  • Added a simpler at-a-glance summary for faster reading.
  • Updated support contact expectations for privacy requests.
Overview

LoanLedger provides lending record tools and optional network signals. This policy explains what information we collect, how we use it, and the choices you have.

At a glance
  • We collect only data needed to operate accounts, billing, and service reliability.
  • Payments are processed by Stripe; we do not store full card numbers.
  • We do not sell personal information.
  • You can request support or privacy help at any time.
Scope and entity boundary

This Privacy Policy applies to the LoanLedger website and network services at loanledger.dev. It does not cover separate products or entities (including any separate Devvit app policy).

Information we collect
  • Account information: email address, authentication metadata, and account role/status required to operate the service.
  • App and service telemetry: limited operational data needed for reliability, security, and abuse prevention.
  • Billing information: subscription and customer identifiers from Stripe (for example customer ID, subscription status, and plan code). Card numbers and full payment details are handled by Stripe, not stored by LoanLedger.
  • Network contributions (optional): when enabled by you, anonymized contribution signals and aggregate statistics used for shared risk intelligence.
How we use information
  • Provide and secure your account access.
  • Operate subscription billing, account lifecycle, and entitlement state.
  • Maintain platform integrity, detect abuse, and troubleshoot incidents.
  • Improve risk-signal quality using opted-in and anonymized network inputs.
Payments and Stripe

Payments are processed by Stripe. Your use of checkout and billing portal features is also subject to Stripe terms and privacy practices. LoanLedger stores only the minimum billing metadata required to map subscription status to account access.

Third-party service providers

We use service providers to run core platform functions, including hosting/infrastructure and payment processing. Current providers include Stripe (billing and payment processing) and infrastructure providers needed to operate loanledger.dev.

Data sharing

We do not sell personal data. We share data only with service providers needed to operate the platform and when required by law.

Data retention

We retain account and billing metadata for as long as needed to provide the service, comply with legal obligations, resolve disputes, and enforce agreements.

Your choices
  • You can opt out of network participation features in account settings.
  • You can manage subscription status through the billing portal.
  • You can request account-related support at support@loanledger.dev.
Your privacy requests

You may request help with data access, correction, or deletion inquiries by contacting privacy@loanledger.dev. We evaluate requests according to applicable law and operational/security requirements.

Children's privacy

LoanLedger services are not directed to children under 13, and we do not knowingly collect personal data from children under 13.

Security

We use reasonable administrative, technical, and organizational safeguards. No method of transmission or storage is guaranteed to be completely secure.

Changes to this policy

We may update this policy periodically. The effective date above reflects the latest version.

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