Privacy Policy

Last Updated: December 2024

www.valoannetwork.com (“we,” “our,” or “us”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard the personal information provided through our website (www.valoannetwork.com) and related services (collectively, the “Services”). By accessing or using our Services, you agree to this Privacy Policy.

Personal Information We Collect

We may collect personal information about you in the following ways:

1. Information You Provide Directly

When you use our Services, such as submitting a request to be referred to a VA lender, we may collect:

Contact Information: Name, address, phone number, and email address.
Demographic Information: Details like date of birth or household income that may assist with matching you to a lender.
Loan-Specific Information: Details about the type of loan you are seeking.
Preferences: Information about how often you wish to receive marketing or updates from us.

2. Information Collected Automatically

When you visit our website, we may use cookies, tracking tools, and similar technologies to automatically collect:

Device Information: IP address, browser type, operating system, and device identifiers.
Usage Data: Pages visited, time spent on the site, clickstream behavior, and interactions with features like calculators or forms.

3. Information from Third Parties

We may receive information about you from third parties, such as:

Lenders: Details regarding your interaction with a referred lender.
Marketing Partners: Information to help personalize your experience with our Services.

How We Use Your Personal Information

We use your personal information to:

Connect You with Lenders: Share your information with VA-approved lenders who may offer you relevant loan products.
Provide Services: Operate, maintain, and improve our website and referral processes.
Communicate with You: Respond to inquiries, send updates, and share marketing materials (if you’ve opted in).
Analyze Usage: Understand website traffic and improve user experience.
Ensure Security: Protect against fraud or unauthorized access.
Comply with Legal Requirements: Meet obligations under applicable laws or respond to lawful requests from authorities.

How We Share Your Information

We may share your personal information in the following contexts:

1. With VA-Approved Lenders

To connect you with loan options, we share your information with trusted VA-approved lenders. These lenders are responsible for their own privacy practices, and we encourage you to review their policies.

2. With Service Providers

We may disclose your information to third-party vendors who assist with hosting, analytics, or marketing services.

3. For Legal or Security Reasons

Your information may be disclosed to comply with legal obligations, enforce our policies, or protect our rights or the safety of others.

4. In Business Transactions

If we engage in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

Your Privacy Choices

We respect your privacy and provide options to control your information:

1. Marketing Preferences

You may opt out of receiving marketing emails by following the unsubscribe instructions in the communication or contacting us at [insert email].

2. Cookies

Adjust your browser settings to limit or disable cookies. Note that some features may not function properly without cookies.

3. Access and Correction

You may request access to or correction of your personal information by contacting us at [insert email].

4. Interest-Based Advertising

We may use services like Google and Meta to deliver targeted ads. You can opt out of personalized ads using tools like:

Digital Advertising Alliance (DAA): https://optout.aboutads.info
Network Advertising Initiative (NAI): https://optout.networkadvertising.org

Data Security

We implement safeguards to protect your personal information from unauthorized access or misuse. However, no system is entirely secure, so we encourage you to take precautions when sharing personal data online.

Retention of Information

We retain your information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or comply with legal requirements. De-identified or aggregated data may be retained for analytics purposes.

Children’s Privacy

Our Services are not intended for individuals under 18. We do not knowingly collect personal information from minors.

Scope of Services

Our Services are intended for use in the United States and governed by U.S. law.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. The “Last Updated” date at the top of this page indicates when changes were made. Material updates will be communicated to you as required by law.