Privacy Policy

TLC Affordability & Hardship Assistant
Effective Date: [9.19.25]
Last Updated: [9.19.25]

​

Overview

TLC's Affordability & Hardship Assistant ("we," "our," or "the Service") helps consumers navigate financial hardship by analyzing income, expenses, and debt obligations to create personalized hardship assistance requests. This Privacy Policy explains how we collect, use, protect, and share your personal and financial information.

Important: We are a financial assistance tool, not a financial advisor. We do not provide legal or financial advice, and we never recommend missing payments.

 

Information We Collect

Financial Documents You Upload

• Bank statements and transaction records

• Pay stubs and employment verification letters

• Unemployment benefit award letters

• Utility bills and expense documentation

• Credit reports and debt statements

• Insurance and medical bills

Information We Extract and Process

• Monthly income (wages, unemployment, benefits)

• Essential expenses (housing, utilities, food, transportation)

• Debt obligations and payment histories

• Employment status and hardship circumstances

• Account details needed for hardship requests

Automatically Collected Information

• Service usage analytics and performance metrics

• IP addresses and device information

• Session data and interaction logs

• Error reports and diagnostic information

​

How We Use Your Information

Primary Functions

• Affordability Analysis: Calculate your ability-to-pay based on income and essential expenses

• Hardship Assessment: Evaluate your situation against lender hardship program criteria

• Payment Allocation: Distribute available funds across creditors using priority-based algorithms

• Letter Generation: Draft personalized hardship requests for each lender

• Documentation: Maintain audit trails of calculations and recommendations

Data Processing Methods

• Automated extraction from uploaded documents

• Conservative estimation when information is incomplete

• Soft credit analysis integration (when provided)

• Machine-readable JSON output generation

• Secure document parsing and analysis

​

Information Sharing and Disclosure

We Do Not Sell Your Data

We never sell, rent, or trade your personal or financial information to third parties for marketing purposes.

Limited Sharing for Service Delivery

• Credit Agencies: Soft credit pulls only (no impact on credit score)

• Document Processing: Secure third-party services for file parsing and OCR

• Analytics: Anonymized usage data for service improvement

Legal Requirements

We may disclose information when required by law, court order, or to:

• Comply with legal processes

• Protect our rights and property

• Prevent fraud or illegal activity

• Respond to government requests

Business Transfers

If our service is acquired or merged, your information may be transferred to the new entity under equivalent privacy protections.

​

Data Security and Protection

Technical Safeguards

• Encryption for data at rest

• Secure cloud infrastructure

• Multi-factor authentication for system access

Operational Protections

• Limited employee access on need-to-know basis

• Regular security training for all personnel

• Incident response procedures and breach notification protocols

• Data minimization and purpose limitation practices

Document Handling

• Uploaded files are processed and then securely deleted within 30 days

• Extracted data is retained only as long as necessary for service delivery

• All financial account numbers are masked in our records

Your Privacy Rights

Access and Control

• View: Request copies of information we have about you

• Correct: Update or fix inaccurate information

• Delete: Request deletion of your data (subject to legal requirements)

• Restrict: Limit how we process your information

• Export: Receive your data in machine-readable format

California Residents (CCPA)

California residents have additional rights including:

• Right to know what personal information we collect and how it's used

• Right to delete personal information (with exceptions)

• Right to opt-out of sale (though we don't sell data)

• Right to non-discrimination for exercising privacy rights

How to Exercise Rights

Contact us at [privacy@tlc-hardship.com] or [phone number] to:

• Request access to your information

• Correct or update your data

• Delete your account and data

• File privacy-related complaints

 

Data Retention

Service Data

• Active session data: Deleted within 24 hours of completion

• Calculation results: Retained for 90 days for audit purposes

• Generated letters: Available for download for 30 days

• Account information: Retained until account deletion

Legal Requirements

Some information may be retained longer to comply with:

• Financial services regulations

• Tax and accounting requirements

• Legal hold obligations

• Audit and compliance needs

Children's Privacy

Our service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover we have collected information from a child, we will delete it immediately.

International Users

Our service is based in the United States. If you access our service from outside the US, your information may be transferred to, stored, and processed in the US where data protection laws may differ from your jurisdiction.

​

Third-Party Services

Integration Partners

We may integrate with third-party services for:

• Credit reporting and monitoring

• Document processing and OCR

• Secure file storage and transmission

• Analytics and performance monitoring

Each integration is governed by separate privacy policies and terms of service.

Your Responsibility

You are responsible for reviewing the privacy practices of any third-party services you choose to connect with our platform.

Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. When we make material changes:

• We will post the updated policy with a new effective date

• We will notify active users via email or in-app notification

• Continued use of the service constitutes acceptance of changes

 

Contact Information

Privacy Questions and Requests

Email: [info@theloancure.com]
 

​

Disclaimer: This privacy policy covers data practices for TLC's Affordability & Hardship Assistant service only. We are not a credit counseling agency, law firm, or financial advisor. Our service provides tools and information to help you understand your financial situation and communicate with creditors, but all decisions remain yours to make.

This policy is effective as of [9.19.25] and was last updated on [9.19.25].

​