Privacy Policy
Who LoanCentral is for
LoanCentral is for people in the United States and Canada, and loans are recorded in USD or CAD. It is not offered to people in the European Union or the United Kingdom.
What we collect
| What | Where it comes from | Why |
|---|---|---|
| Reddit username | Your comments and posts on r/loancentral | To know who lent and who borrowed |
| Loan records | Bot commands and the dashboard: amounts, currency, dates, repayments, status, the Reddit post or comment involved, and any repayment terms entered | This is the record LoanCentral exists to keep |
| Request posts | Your [REQ] posts: the title, amount asked, and link | To attach a loan to the request it funded |
| Google account ID and email address | Google, when you connect your Google account | To sign you in. We store Google's account ID and your email address; never your Google password |
| Roles and status | Moderators, and your subreddit flair | Whether you're a borrower, verified lender, moderator or admin, and any bans |
| Activity history | Actions on the site and through the bot | An audit log of changes to loans, roles and accounts, so mistakes and abuse can be traced |
| Moderator notes and disputes | Moderators and dispute messages | To handle disputes and moderation |
| Messages you send us | Feedback and emails | To read and answer them |
| Page views | Your use of the dashboard (your username, the page, the time) | To see which parts of the site are used. Deleted after 90 days |
| Technical logs | Our servers: IP address, time, page requested, errors | Security, preventing abuse (for example rate limits), and fixing problems |
LoanCentral does not collect bank, card or payment details, government IDs, addresses or phone numbers as part of normal use. File uploads are currently switched off.
Cookies and your browser
We use one cookie, to keep you signed in. It's needed for the site to work. Some pages also save small preferences in your browser (for example, a tip you dismissed). There are no advertising or analytics cookies and no third-party trackers.
Who can see what
- Everyone on Reddit: the bot posts summaries in r/loancentral, such as your number of loans and totals repaid, lender stats, and "funded" or "repaid" notices on posts. Reddit comments are public.
- The other person on a loan: can see that loan's details on the dashboard.
- Moderators and admins: can see all records, activity history, notes and disputes, so they can moderate.
- The public website: shows only site-wide totals (number of loans, amount lent, repaid rate, number of lenders), never names or individual loans.
How long we keep it
- Loan records and activity history: kept as the community's lending record for as long as LoanCentral runs, so that records can't quietly disappear. If you delete your Reddit account, or ask us to delete your data, your name is removed from them (see "Your rights" below).
- Page views: 90 days.
- Sign-in links from
!login: expire after 30 minutes and work once. - Backups: a rolling 14 days.
Your rights
You can ask to see the data we hold about you, to correct it, or to delete it. Email us or message the moderators (details below) and we'll reply within 30 days.
What deleting means: we remove your username everywhere it's stored and replace it with an anonymous placeholder, and we delete your personal details: your dashboard account (Google account ID and email address), notifications, page views, feedback, applications and moderator notes about you. Loan amounts, dates and repayment status stay, without your name, so the other person's lending history and the community totals remain accurate. Nothing links the placeholder back to you.
We check regularly for Reddit accounts in our records that have been deleted, and do the same for them. Reddit comments the bot posted earlier are on Reddit, not on our servers; deleting them is up to Reddit's own tools.
Why we keep this data: to run the shared loan record that members rely on, and to prevent fraud and abuse in r/loancentral.
Changes
We may update this policy. The date at the top shows the latest version.
Contact
Email [email protected], or message the moderators of r/loancentral.