Privacy Policy for Loan Buddy
Effective Date: April 19, 2026 Last Updated: April 19, 2026
1. Introduction
JTM Services LLC ("we," "our," or "us") operates the Loan Buddy mobile application ("App"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our App.
By using Loan Buddy, you agree to the collection and use of information in accordance with this policy.
2. Information We Collect
We collect the following information to provide our loan management services:
Personal Information:
Full name
Email address
Phone number
Physical address
Government-issued ID type and number
Financial Information:
Loan amount and terms
Payment history
Outstanding balances
Administrative and late fees
Account Information:
Login credentials (stored securely)
Account activity and usage
3. How We Use Your Information
We use the information we collect to:
Create and manage your loan account
Process and record loan payments
Send payment reminders and receipts
Generate loan contracts and documents
Communicate important account updates
Comply with legal obligations
4. How We Share Your Information
We do not sell your personal information. We may share your information with:
Service Providers:
Google Firebase (database and authentication services)
Google Cloud (data storage and hosting)
These providers are bound by confidentiality agreements and may only use your data to provide services to us.
Legal Requirements: We may disclose your information if required by law or to protect the rights and safety of JTM Services LLC and its clients.
5. Data Security
We implement industry-standard security measures to protect your information including:
Encrypted data transmission (SSL/TLS)
Secure authentication via Firebase
Role-based access controls
Password encryption
However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.
6. Data Retention
We retain your personal and financial information for as long as your account is active or as required by law. Loan records may be retained for up to 7 years for legal and accounting purposes.
7. Your Rights
You have the right to:
Access your personal information
Correct inaccurate information
Delete your account and associated data
Request a copy of your data
To exercise these rights, contact us at: 📧 busylandlordapp@gmail.com
Account Deletion: You may delete your account directly within the Loan Buddy app at any time. This will permanently remove your personal information from our active systems.
8. Children's Privacy
Loan Buddy is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from minors. If we discover that a minor has provided us with personal information, we will delete it immediately.
9. Third-Party Services
Our App uses the following third-party services:
Google Firebase — Authentication and database
Google Cloud — Data storage
These services have their own privacy policies. We encourage you to review them at:
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by updating the "Last Updated" date at the top of this page. Continued use of the App after changes constitutes acceptance of the updated policy.
11. Contact Us
If you have any questions about this Privacy Policy, please contact us:
JTM Services LLC 47 Fairfield Drive Phenix City, Alabama 36869 📧 busylandlordapp@gmail.com