Privacy policy
Last updated
This policy covers northlightcash.com (“Northlight”, “we”). It describes what the site does today. Northlight is an information website: it does not take loan applications and does not ask for your Social Security number, bank details or income.
What we collect
Messages you send us. When you use the contact form we store your name, your email address, the topic you chose and your message. With the message we also store the country your request came from and your browser’s user agent string, which help us filter spam.
Abuse prevention. To limit how many messages one sender can submit in a day, we store a one-way hash made from the sender’s IP address and the date, together with a counter. The IP address itself is not stored and cannot be read back from the hash.
Crawler statistics. We record requests whose user agent identifies automated software, such as search engine and AI crawlers: the time, the page, the crawler’s name and network. This log is about robots, not people.
Technical logs kept by our host. The site is served by Cloudflare. Like any host, it processes IP addresses, browser details and requested pages to deliver the site and protect it from attacks.
What we do not collect
- No advertising or analytics trackers, and no third-party scripts.
- No cookies for analytics or advertising. Cloudflare may set a strictly necessary security cookie.
- Nothing from the calculator: it runs in your browser and your selections are not sent to us.
- No loan applications and no credit information.
How we use information
We use contact messages to reply and to correct the site, abuse-prevention records to stop spam, and crawler statistics to understand how search engines read the site. We do not build profiles of readers.
Who we share it with
We do not sell personal information, and we do not share it for advertising. Information is stored with Cloudflare, which hosts the site and its database as our service provider. We may disclose information if the law requires it.
How long we keep it
Contact messages are kept while we handle them and for our records afterwards, and are deleted on request. Abuse-prevention records hold no readable personal data.
Your choices
You can ask what we hold about you, or ask us to correct or delete it, through the contact form; choose “A privacy request”. We will not treat you differently for making a request. Residents of California and other states with privacy laws have these rights by statute; we extend them to everyone.
Children
The site is written for adults and is not directed to anyone under 18. We do not knowingly collect information from children.
If we add a loan request form
We plan to add a form that lets readers ask to be connected with lenders. That form will collect more information than the site does today. Before it goes live we will update this policy to state what is collected, who receives it and what choices you have. Until this page says so, no such information is collected.
Changes
When this policy changes, we change the date at the top of the page.