Virtual Loan Advisors Intel (VLAI)Virtual Loan Advisors Intel (“VLAI”, “we”, “our”, “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use our website, loan calculators, chatbots, or other services.

​​

​

1. Information We Collect

 

We may collect the following types of information:

 

• Personal Information (Provided by You)

  • Name (optional)

  • Country of residence

  • Employment details

• Monthly income and debt amounts

• Contact information (email/phone if submitted)

• Loan preferences (type, amount, term)

• Messages entered into our chatbots (Riley, William)

 

2. How We Use Your Information

 

We use your information to:

 

• Provide loan prequalification estimates

• Generate loan affordability calculations

• Recommend suitable banks or credit unions

• Improve chatbot performance

• Respond to inquiries or support requests

• Analyze website usage and improve functionality

• Maintain internal documentation and compliance logs.

 

3. Sharing of Information

 

We do not sell your information.

 

We may share information only when:

 

• You request a referral to a bank or credit union

• Required by law or regulatory obligation

• Needed to protect the rights, security, or integrity of VLAI

• Working with trusted service providers (e.g., website hosting)

• Banks may request additional information directly from you.

 

4. Cookies & Tracking Technologies

 

VLAI uses cookies to:

 

• Enable chatbot functionality

• Improve website performance

• Conduct analytics and usage tracking

• Users may disable cookies through browser settings.

 

5. Data Security

 

We apply reasonable technical and organizational measures to protect your data. However, no online system is completely secure, and users are encouraged to share only necessary information.

 

6. Data Retention

 

We retain:

• Chatbot messages for up to 12 months

• Prequalification inputs for up to 18 months

• Contact form submissions for up to 12 months

• Users may request deletion anytime.

 

7. Your Rights

​

You may:

• Request access to your data

• Request correction or deletion

• Withdraw consent for data processing

• Request information about how your data is used

​

To submit a request, email us at: support@vlai.com (Replace with your real email if needed.)

 

8. External Links

 

Our website may contain links to banks, credit unions, or third-party resources. We are not responsible for their privacy practices.

 

 

9. Updates to This Policy

 

 

We may update this Privacy Policy from time to time. The “Last Updated” date will reflect the latest revision.