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Privacy Policy

what we collect, how we use it, and your choices

Privacy Policy

VA Loan Network (“we,” “our,” “us”) operates this website and related services (the “Services”). This Privacy Policy explains what information we collect, how we use it, how we share it, and the choices and rights you have. By using the Services, you agree to this Policy and our Terms of Use.

VA Loan Network is an independent VA loan education and guidance platform, not a lender. If you request one on one help, we may connect you with an experienced VA loan specialist who can provide required lender disclosures if you choose to apply.

What We Are

We are a VA loan education and guidance platform built for Veterans and Service Members. We are not a mortgage lender, broker, or government agency. Lenders make credit decisions, set pricing, and provide required disclosures. If you request help through our forms, we use the information you provide to coordinate an introduction to a VA loan specialist so you can get clear answers and decide what to do next.

  • Not a lender: We do not underwrite, approve, or fund loans.
  • Not a government agency: We are not affiliated with the Department of Veterans Affairs, the Department of Defense, or any government agency.
  • How introductions work: Learn more on Partner Transparency.

Partner and lender policies

If you choose to apply with a lender, that lender’s privacy practices govern their collection and use of information. We do not control lender underwriting decisions or lender disclosures.

Personal Information We Collect

We follow data minimization principles and collect only what is needed to provide the Services you request. Information is collected through forms you submit, automatic data from site usage, and limited information from partners and service providers. Information is transmitted using encrypted connections.

1) Information you provide

  • Identity and contact: Name, email, phone, and any contact details you choose to provide.
  • Loan intent: City or state, price range, timeline, property type, entitlement status, and preferences.
  • Self reported details: Optional information such as a credit band or notes relevant to your request.

2) Automatically collected information

  • Device and usage: IP address, device identifiers, pages viewed, time on page, clicks, and referrer information.
  • Approximate location: General location derived from IP address.
  • Analytics events: Tool usage events such as calculator interactions and form starts.

We use cookies and similar technologies (such as pixels and local storage) for essential functionality, performance analytics, personalization, and advertising measurement. For details, see our Cookie and Tracking Technologies Policy.

3) Information from third parties

  • Service status updates: Limited non credit reporting updates such as contacted, application started, closed, or withdrawn, used to measure service performance and improve the experience.
  • Marketing and analytics: Campaign performance data and measurement signals where permitted by law and subject to your choices.

How We Use Information

Purpose Examples
Provide requested services Respond to requests, share educational resources, and coordinate an introduction to a VA loan specialist when requested.
Operate and improve the site Security, fraud prevention, debugging, and improving tools and content based on aggregate usage.
Communications Service related messages, plus marketing only when you opt in, with opt out controls.
Compliance and enforcement Respond to lawful requests and enforce policies to protect users and platform integrity.
Measurement and advertising Measure campaign performance and improve relevance, subject to your choices and applicable laws.

How We Share Information

Recipient Purpose
VA loan specialists and lending partners Only when you request help, so they can contact you, ask follow up questions, and provide lender disclosures if you proceed.
Service providers Hosting, analytics, security, email and SMS delivery, and CRM services used to operate the site and deliver requested services.
Legal and safety To comply with law, respond to lawful requests, or protect rights, safety, and platform integrity.
Business transfers If we undergo a merger, acquisition, or asset sale, information may be transferred as part of the transaction.

Sale or Sharing for Targeted Advertising

We do not sell personal information for money. We may share limited identifiers and usage data with advertising and analytics partners for cross context targeted advertising and measurement, where permitted by law and subject to your choices.

Sensitive Personal Information

We do not request government identification numbers or financial account numbers through our standard site forms. If you provide sensitive information directly to a lender during an application, that lender’s privacy policy governs that information. We do not use sensitive personal information to infer characteristics beyond providing the Services you request.

Retention

We keep personal information only as long as necessary for operations, security, compliance, and to support the Services you requested. In some cases, contact information may be retained for up to two years after an introduction to support follow up and quality measurement. Consent records may be retained for accountability. Aggregated or deidentified analytics may be retained longer.

Security

We use administrative, technical, and physical safeguards appropriate to the data, including encryption in transit, access controls, and security monitoring. No system is perfect, so use caution online and protect your credentials.

For more detail, see our Security Policy.

Your Privacy Choices

  • Access, correction, deletion, opt out: Email contact@valoannetwork.com to submit a request.
  • Marketing emails: Unsubscribe using the link in any email, or contact us.
  • Targeted advertising: Use browser controls, our opt out page, or industry tools where available. We honor Global Privacy Control where required.
  • Cookies: Manage preferences via Do Not Sell or Share My Personal Information and your browser settings. Disabling nonessential cookies may affect saved settings and personalization.

Essential cookies

Some cookies are required for security and basic site functionality. Disabling nonessential cookies may affect personalization and saved settings.

Children

The Services are intended for adults age 18 and older and for use in the United States. We do not knowingly collect personal information from children.

State Privacy Rights

California: You may have rights to know, access, correct, delete, and opt out of sharing for targeted advertising. We do not discriminate for exercising these rights. We verify requests as required and respond within applicable timelines.

Virginia, Colorado, Connecticut, Utah, and other states: You may have similar rights depending on your state law. If a request is denied, you may appeal by replying with the word Appeal to our response.

Changes to This Policy

We may update this policy from time to time. Material changes will be posted on this page and, where required, we may provide additional notice.

Contact Us

Related legal pages: Terms of Use · Advertising Disclosures · Do Not Call · Security Policy · Product Notice · Cookie and Tracking Technologies Policy

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