Effective Date: February 1, 2026

This Privacy Policy explains how TheLoanMinister.com (“The Loan Minister,” “we,” “us,” or “our”), operated by The Loan Minister Financial Consulting Group, collects, uses, discloses, and protects your personal information when you use our website and services (the “Service”).

By using this website, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, you must not use this website.

If you provide us with another person’s information, you confirm that you have obtained their consent for us to use that information as described in this Policy.

1. WHO WE ARE

TheLoanMinister.com is a financial rate comparison and loan referral platform operated by ScoopRate Technologies Limited, a company incorporated in Jamaica.

We are committed to protecting your personal data in accordance with:

• Jamaica Data Protection Act, 2020
• PIPEDA (Canada)
• GDPR (EU/UK) where applicable
• Any other applicable privacy and data protection laws relevant to our users

2. THE INFORMATION WE COLLECT

A. Information You Provide Voluntarily

When you use our website, request information, or submit a loan enquiry, we may collect:

• Full name
• Email address
• Phone number
• Employment status
• Income range
• Loan type of interest
• Loan amount requested
• Parish / country of residence
• Any other information you submit through forms

You confirm that all information provided is accurate and up to date.

We do not intentionally collect sensitive personal data such as race, religion, or health data.

B. Information Collected Automatically

We automatically collect certain data when you use our website, including:

• IP address
• Device and browser type
• Location data (approximate)
• Pages visited and time spent
• Referring URLs
• Usage patterns and analytics data

This is collected through cookies, analytics tools, and tracking technologies.

3. HOW WE USE YOUR INFORMATION

We use your information to:

• Match you with appropriate lenders or financial institutions
• Contact you regarding your loan enquiry
• Improve our website and services
• Provide updates, educational content, or promotional information (you may opt out)
• Comply with legal and regulatory requirements
• Detect and prevent fraud or misuse of our platform

4. WHEN AND WITH WHOM WE SHARE YOUR INFORMATION

We do not sell your personal data.

We may share your information in the following cases:

A. With Lenders and Financial Institutions (With Your Consent)

When you submit a loan enquiry, you expressly consent to us sharing your details with relevant banks, credit unions, or licensed lenders for the purpose of them contacting you about your loan request.

B. With Service Providers

We may share data with trusted third parties who help us operate our website, such as hosting providers, analytics providers, email services, and CRM platforms, under strict confidentiality obligations.

C. Legal and Regulatory Requirements

We may disclose your data if required by law, court order, regulator, or law enforcement agency, or to protect our legal rights.

5. THIRD-PARTY WEBSITES AND ADVERTISEMENTS

Our website may contain links to third-party websites, including lenders, advertisers, and partners.

We are not responsible for the privacy practices or content of those websites. You should review their privacy policies separately.

Some advertisers may use cookies or tracking technologies beyond our control.

6. COOKIES AND TRACKING TECHNOLOGIES

We use cookies, pixels, and analytics tools to:

• Understand website usage
• Improve user experience
• Measure marketing effectiveness
• Remember user preferences

You may disable cookies in your browser, but some features of the site may not function properly.

7. DATA RETENTION

We retain your personal information only as long as necessary to:

• Facilitate lender matching and communication
• Comply with legal obligations
• Resolve disputes and enforce agreements

When data is no longer required, it is securely deleted or anonymised.

8. DATA SECURITY

We implement appropriate technical and organisational safeguards to protect your data. However, no system is completely secure, and you use the Service at your own risk.

9. MINORS

This website is not intended for persons under 18. We do not knowingly collect information from minors.

10. YOUR RIGHTS

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion of your data
• Withdraw consent for marketing communications

Requests can be made to: privacy@theloanminister.com

11. INTERNATIONAL USERS

Because our users may reside in multiple countries, your data may be processed in jurisdictions outside your country of residence, including Jamaica and Canada, in accordance with applicable privacy laws.

12. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

13. CONTACT US

If you have any questions about this Privacy Policy or your data, contact:

• Email: privacy@theloanminister.com