Last updated: January 2026. This policy describes how 12M Loans, LLC collects, uses and shares information when you use our website.
We collect information you provide directly (such as your name, address, phone number, email, Social Security number, date of birth, income and bank account details) when you submit a loan request. We also automatically collect device, browser and usage information via cookies and similar technologies.
We share information with participating lenders in our network in order to fulfill your loan request. We may also share information with service providers (such as identity verification and hosting vendors) under strict confidentiality obligations, and when required by law. We do not sell your personal information to advertisers.
You can unsubscribe from marketing emails at any time using the link in our messages. You may also request to access, correct or delete personal information we hold about you by emailing privacy@12monthsloansbadcredit.com. California, Colorado, Virginia and other state residents may have additional rights under their local privacy laws.
We protect your information with industry-standard safeguards, including 256-bit SSL encryption in transit and restricted access to personal data at rest. No method of transmission over the Internet is 100% secure, but we work hard to keep your information safe.
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. When we do, we will revise the "last updated" date at the top of this page. We encourage you to review this page periodically.
Questions about this policy? Contact our privacy team at privacy@12monthsloansbadcredit.com or write to 12M Loans, LLC, 1200 Brickell Ave, Suite 1200, Miami, FL 33131.