Privacy Policy
At Optimus11, your privacy is our priority. This policy explains how we collect, use, and protect your personal information when you use our financial services.
Key Points
- We never sell your personal information
- Bank-level encryption protects your data
- You control your information and preferences
- Transparent about what we collect and why
1. Information Collection
We collect information to provide better services:
- Personal Details: Name, contact info, SSN, date of birth
- Financial Information: Income, credit history, bank details
- Technical Data: IP address, device info, cookies
- Usage Data: How you interact with our services
2. How We Use Your Data
- Process loan applications and transactions
- Verify identity and prevent fraud
- Improve our products and services
- Personalize your experience
- Comply with legal obligations
3. Data Sharing
We only share data when necessary with:
- Credit bureaus for verification
- Payment processors for transactions
- Legal authorities when required
- Service providers under strict contracts
4. Security Measures
We implement:
- 256-bit SSL encryption
- Regular security audits
- Multi-factor authentication
- Employee privacy training
5. Your Rights
You can:
- Access your personal data
- Request corrections
- Opt-out of marketing
- Request data deletion
- File complaints with regulators
Terms of Use
By accessing Optimus11 services, you agree to these terms governing your use of our platform and services.
Important Terms
- You must be 18+ to use our services
- We may verify all application information
- Rates and offers are subject to change
- You're responsible for accurate information
1. Service Eligibility
- Must be at least 18 years old
- Must be a resident of our service areas
- Must provide truthful information
- Must have active bank account
2. Account Responsibilities
- Keep login credentials secure
- Update information when changes occur
- Report unauthorized access immediately
- You're liable for account activities
3. Loan Terms
- All loans subject to credit approval
- APRs vary based on creditworthiness
- Late payments incur fees
- Prepayment may have penalties
4. Prohibited Activities
- Fraudulent applications
- Using services for illegal purposes
- Attempting to circumvent security
- Automated scraping of our data
5. Intellectual Property
All Optimus11 content, logos, and technology are protected by copyright and trademark laws.
6. Limitation of Liability
Optimus11 is not liable for:
- Indirect or consequential damages
- Third-party service interruptions
- Incorrect information provided by users
7. Changes to Terms
We may update these terms periodically. Continued use constitutes acceptance of changes.