Okolea Loans LLC ("Okolea," "we," "our," or "us") respects your privacy and is committed to protecting personal information collected through our website and related services.
This Privacy Notice explains how we collect, use, store, disclose, and safeguard information when you visit or use okolealoans.com (the "Site"), including our comparison and referral services for personal loans, installment loans, and related borrowing options from participating lending partners.
This Privacy Notice applies solely to okolealoans.com and related web-based services operated by Okolea Loans LLC.
If you are redirected to or interact directly with a lender, marketplace, or financial provider after leaving our Site, that third party’s own privacy practices govern those interactions.
WHO WE ARE
Okolea Loans LLC is a Colorado-organized company operating an online financial comparison and referral platform.
Okolea is not a lender, loan broker, or financial institution or bank. We do not issue loans or cash advances, make underwriting decisions, or determine rates, fees, repayment terms, or approval decisions.
Our services are limited to helping users discover, compare, and connect with third-party financial providers based on information voluntarily submitted through our Site.
Any lending decision, eligibility review, approval, funding, or repayment arrangement is handled exclusively by third-party providers.
INFORMATION WE COLLECT
We collect information in several categories depending on how you interact with our Site.
Information You Provide Directly
When using forms or contacting us, you may voluntarily submit:
Matching and Eligibility Information
If you use our matching tools, you may voluntarily provide information such as your requested loan or advance amount, borrowing preferences, ZIP code or state of residence, employment status, income source, approximate income range, pay schedule, general financial preference data, and other eligibility-related details you choose to share.
Contact Information
You may also provide contact details, including your first and last name, email address, and phone number where you choose to supply it.
Communications
If you contact us, we may collect the contents of your emails, message history, support requests, and any attachments or files you submit.
Information Collected Automatically
When you browse the Site, certain technical information may be collected automatically. This may include:
Device Information
Device-related data such as your IP address, browser type and version, operating system, device type, language settings, screen resolution, and time zone settings.
Usage Information
Usage activity such as pages viewed, links clicked, page interaction behavior, navigation flow, session duration, referring URLs, exit pages, and approximate geolocation inferred from your IP address.
Log Information
Our systems may automatically record server logs, timestamps, error logs, request headers, response status codes, and security or diagnostic records.
Information from Third Parties
We may receive limited information from third parties, including hosting providers, analytics vendors, infrastructure providers, and referral confirmation partners.
INFORMATION WE DO NOT INTENTIONALLY COLLECT
Okolea does not intentionally request or collect on the Site sensitive identifiers or payment credentials such as Social Security numbers, driver’s license numbers, passport numbers, other government identification numbers, bank account credentials, debit or credit card numbers, or online banking usernames and passwords.
If a partner provider requires such information, collection occurs directly on that provider’s own systems under its own privacy practices.
HOW WE USE INFORMATION
We may use collected information for the following purposes:
Service Delivery
We may use your information to match you with participating providers, filter offers based on eligibility criteria, and display available financial products.
Communications
We may use contact information to respond to support inquiries, deliver service communications you request, and send operational notices.
Site Improvement and Analytics
We may analyze visitor behavior, optimize form flows, improve usability, debug technical issues, and measure referral performance.
Security and Fraud Prevention
We may use information to detect suspicious activity, prevent abuse or malicious traffic, enforce our Terms of Service, and maintain platform integrity.
Legal Compliance
We may process information to comply with laws and regulations, respond to lawful requests, preserve business records, and resolve disputes.
COOKIES AND SIMILAR TECHNOLOGIES
Okolea uses cookies, pixels, local storage objects, and related technologies to improve functionality, maintain security, analyze traffic, and better understand visitor behavior.
We currently use the following categories:
Essential Cookies
Essential cookies are required for the Site to function. They may be used to maintain core website functionality, preserve temporary session information, remember form progress, help prevent spam and bot abuse, and support infrastructure reliability.
Analytics Cookies
Analytics cookies help us understand how visitors use the Site by collecting information such as pages viewed, click behavior, time spent on pages, referral sources, and browsing patterns.
Performance and Measurement Technologies
Performance technologies help us evaluate loading speed, system responsiveness, rendering issues, and form completion performance.
Functional Cookies
Functional cookies may remember selected tabs or categories, dismissed notices, and interface preferences.
Managing Cookies
Most browsers allow you to delete cookies, block future cookies, or receive alerts before cookies are placed. Disabling cookies may affect Site functionality.
SHARING OF INFORMATION
We do not sell personal information for direct monetary compensation.
We may disclose information to:
Partner Providers
If you proceed with an offer or application, relevant matching data may be shared.
Service Providers
We may share information with service providers that help us operate the Site, including cloud hosting providers, analytics providers, email services, security vendors, and fraud-prevention vendors. These providers are contractually restricted to using data only to perform services for us.
Legal and Safety
We may disclose information when necessary to comply with valid subpoenas or similar legal demands, court orders, lawful regulatory requests, or investigations relating to suspected fraud, security incidents, or unlawful activity.
Business Transfers
Personal information may be transferred in connection with a merger, acquisition, restructuring, or sale of all or part of our business or assets.
DATA RETENTION
We retain personal information only as long as reasonably necessary.
Retention periods depend on service requirements, legal obligations, fraud prevention needs, and dispute resolution.
Matching details and contact information are generally retained for up to 36 months after last interaction.
Aggregated or de-identified data may be retained indefinitely.
DATA SECURITY
We use commercially reasonable safeguards, including TLS encryption in transit, encryption at rest where applicable, access controls, and internal permission restrictions.
No system is completely secure.
Where legally required, affected users will be notified following reportable security incidents.
YOUR PRIVACY RIGHTS
Depending on applicable law, you may have rights to access, correct, delete, or obtain a portable copy of your personal information, opt out of certain processing where applicable, and not be discriminated against for exercising privacy rights.
To submit a privacy request:
Email: [email protected]
Subject Line: Privacy Request
Residents of other states with applicable comprehensive privacy laws (including, without limitation, Virginia, Texas, Connecticut, and other states with similar consumer privacy statutes) may submit privacy requests using the same contact information and subject line above.
CALIFORNIA PRIVACY RIGHTS
California residents may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).
California residents may submit verifiable consumer requests under the CCPA or CPRA, including requests to opt out of the sale or sharing of personal information where applicable, using the contact information in Section 17 (Contact Us).
NEVADA RESIDENTS
Nevada residents may submit opt-out requests to: [email protected]
Subject line: Nevada Privacy Request
COLORADO PRIVACY RIGHTS
If you are a Colorado resident, the Colorado Privacy Act (CPA) may provide you with rights to access, correct, delete, obtain a portable copy of, and opt out of the processing of your personal data for purposes of sale, targeted advertising, or profiling in certain circumstances. Colorado residents may exercise these rights, where applicable, by contacting us at [email protected] with the subject line "Colorado Privacy Request." We will respond in accordance with applicable law.
COMMUNICATIONS CONSENT
By submitting forms, you acknowledge you are requesting financial comparison or referral services.
Where applicable, you may receive emails, service notifications, and SMS communications if you provide a phone number and have given appropriate consent.
TCPA and text messages. Where we send marketing or promotional text messages that may be subject to the Telephone Consumer Protection Act (TCPA), we obtain prior express written consent (which may include electronic consent) before sending autodialed or prerecorded marketing texts to your number, where required by law. Consent to marketing texts is not required as a condition of purchasing or receiving any non-marketing service we offer, to the extent prohibited by applicable law. Message frequency varies. You may opt out of marketing SMS by following instructions in the messages (for example, replying STOP) or by contacting us at [email protected]. Operational or transactional messages may be sent where permitted without separate marketing consent.
Message and data rates may apply.
CHILDREN'S PRIVACY
The Site is intended only for adults age 18 or older.
We do not knowingly collect personal information from individuals under 18.
INTERNATIONAL USERS
Okolea services are intended for users in the United States.
If you access the Site from outside the US, information may be transferred to and processed in the United States.
CHANGES TO THIS PRIVACY NOTICE
We may revise this Privacy Notice periodically.
Updated versions will be posted on this page with revised effective dates.
CONTACT US
Okolea Loans LLC
145 S Grape St
Denver, CO 80246-1158
United States
Email: [email protected]