Terms of Use | Loan Analytics

Terms of Use, Privacy Policy

By accessing and using the website analytics.loan (the “Site”), you agree to be bound by these Terms of Use, as well as any applicable laws and regulations. If you do not agree to these terms, you must immediately discontinue using the Site. We reserve the right to modify or update these Terms at any time; your continued use of the Site after changes are posted constitutes acceptance of the new terms.

Permitted Use and Restrictions

You may use the Site only for lawful, professional purposes consistent with these terms. Specifically, you may browse and access content on the Site and use any interactive features (such as inquiry forms) solely for your internal company or personal purposes. You may not use the Site to:

Copy, download, share, distribute, publish, or create derivative works from any content unless explicitly permitted.
Upload or transmit any unsolicited or illegal communications (spam, chain letters, etc.) or content that violates any laws or the rights of others

Collect or harvest personal data of other users, or provide false information.
Circumvent or disable any security features of the Site.

We reserve the right to refuse or terminate access if you violate these rules, infringe third-party rights, or otherwise abuse the Site.

Intellectual Property

All content on the Site – including text, graphics, logos, images, and software – is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws. We reserve all rights in such content.

You may not use our intellectual property except as expressly permitted in these Terms. In particular, you may not copy, modify, distribute, sell, or license any content without our prior written permission. Limited exceptions (such as downloading or printing pages for your own personal and non-commercial use with proper attribution) may be permitted where expressly noted, but all rights remain with us. Any content you submit or post (such as feedback or questions via contact forms) is non-confidential and treated as non-proprietary. We are free to use or publish such submissions for any purpose without compensation to you, unless otherwise agreed in writing.

Disclaimers and No Advice

All information provided on this Site is for general informational purposes only. It does not constitute professional advice (legal, financial, tax, or otherwise) and should not be relied upon as such. While we strive for accuracy, we make no guarantees or warranties, express or implied, about the completeness, accuracy, or suitability of the content.

You acknowledge that any reliance on the Site’s content or on any conclusions drawn from it is at your own risk. Before making decisions or taking any action based on information from the Site, you should consult your own qualified advisors (e.g., lawyers, accountants, financial analysts) as appropriate. We expressly disclaim all warranties regarding the Site and its content. No part of this Site comes with any warranty of merchantability or fitness for a particular purpose. The Site and its content are provided “as is” and “as available”.

We will not be liable for any errors or omissions, or for any results obtained from the use of this information.

Limitation of Liability

To the fullest extent permitted by law, analytics.loan and its owners, affiliates, officers, agents, and employees (collectively “we”) will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of (or inability to use) the Site. This includes, but is not limited to, damages for lost profits, business interruption, or loss of data, even if we have been advised of the possibility of such damages. Your only remedies with respect to the Site are as stated in these Terms.

Indemnification

You agree to indemnify, defend, and hold harmless us and our owners, affiliates, officers, agents, and employees from any claims, liabilities, losses, or expenses (including attorneys’ fees) arising from your use of the Site or any violation of these Terms. This indemnification obligation includes any claim that your use of the Site infringes a third party’s rights. You must cooperate fully in the defense of any claim. We reserve the right to assume, at our sole expense, the exclusive defense and control of any matter subject to indemnification.

External Links

The Site may contain links to third-party websites. Such links are provided for convenience only. We do not control those sites and are not responsible for their content, privacy practices, or policies. Inclusion of any third-party link does not imply endorsement or recommendation by us. You access external sites at your own risk and should review their terms and policies.

Changes to the Site and Terms

We may update or discontinue the Site (or any features) at any time without notice. We may also modify these Terms of Use (for example, to comply with law or change our business practices). When we change the Terms, we will update the “Last Updated” date at the top of this document. It is your responsibility to review the Terms periodically. Continuing to use the Site after changes are posted constitutes acceptance of those changes.

Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which analytics.loan is based (without regard to its conflict of laws rules). Any dispute arising under or relating to these Terms shall be resolved exclusively in the courts located in that jurisdiction, and you consent to personal jurisdiction there. If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect

triverusconsulting.com

Effective Date: June 17, 2025 We at analytics.loan take your privacy seriously. This Privacy Policy explains how we collect, use, share, and protect information from users of our Site, and describes your rights regarding that information.

Information We Collect

We collect information that helps us operate the Site and communicate with you. The types of information we may collect include:

Contact and Identifying Information. When you voluntarily submit inquiries (e.g. via a contact form or email), we collect information such as your name, email address, phone number, and institution or company name. This allows us to respond to your inquiries or provide requested information.

Professional Background. If you provide it, we may also collect your title, role, or other professional details (e.g. “lender,” “analyst,” company, industry) to better tailor our responses.Technical and Usage Data. We automatically gather certain technical information when you access the Site, including your IP address, browser type and version, operating system, device type, and the pages you visit and actions taken on the Site. We collect this information through server logs and cookies (see below). This data helps us analyze usage, improve the Site, and enhance user experience.

Cookies and Tracking Technologies

We and our third-party service providers use cookies and similar technologies to collect information about your browsing behavior. Cookies are small data files that remember your preferences and provide basic site functionality. Examples include:

Essential Cookies: required to load site features.
Functional Cookies: remember choices or form entries for convenience.
Analytics Cookies: used by us and third-party analytics providers (e.g. Google Analytics) to understand how you use the Site (pages viewed, time spent, search terms, etc.). These analytics cookies do not identify you personally.

You can control cookie settings in your browser (refusing cookies may limit some functionality). Communications Data. If you opt to subscribe to newsletters or mailing lists, we may store your email address and preferences. Opt-in communications are always voluntary, and you can unsubscribe at any time. We do not collect sensitive personal data (such as social security numbers, health information, etc.), nor do we knowingly collect data from children under 16 (the Site is intended for adult professional users).

How We Use Your Information

We use the collected information for legitimate business purposes, including:

To provide and improve our services. We use contact and usage data to communicate with you, respond to inquiries, and personalize your experience

triverusconsulting.com. Technical data helps us troubleshoot issues, maintain security, and understand how the Site is used.

Analytics. We analyze usage patterns to improve Site performance and content relevance (e.g. which pages are popular, where users have difficulty). Data is used in aggregate form.

Marketing (with consent). If you sign up for newsletters, we use your email to send relevant updates. You may opt out of marketing communications at any time. We will not send marketing emails without your consent.

Legal and Safety

When required to comply with law or protect legal rights, we may use data for fraud prevention, dispute resolution, and enforcing our policies.

We will not use your data for any purposes beyond those disclosed, and we do not sell or share your personal information to third parties for their direct marketing or commercial use.

Sharing and Disclosure

We may share your information only as follows:

With service providers: We use third-party vendors (e.g. web hosts, analytics providers, email services) to support the Site. These providers are given only the data they need to perform their function and are obligated to keep it confidential. For example, we may use Google Analytics for site traffic analysis and a cloud server provider to host the Site.
Legal Requirements: We may disclose data if required by law, court order, or to enforce our legal rights.
Business Transfer: If our company is acquired or merges, your data may be transferred to the new owner as part of the transaction, subject to this Privacy Policy.
Aggregate and Anonymized Data: We may publish or share aggregated (anonymous) data about site usage that does not identify any individual.

We will never sell or rent your personal information to third parties for marketing without your explicit consent. If you follow links to other websites from our Site, please review their privacy policies – we are not responsible for their practices.

Data Security and Retention

We implement reasonable technical and organizational safeguards to protect your personal data against unauthorized access or disclosure. However, no system is completely secure. We cannot guarantee absolute security, and you provide information at your own risk. We retain your personal data only as long as necessary to fulfill the purposes outlined here or as required by law. Once data is no longer needed, we securely delete or anonymize it. If you request data deletion and we have no legal obligation to retain it, we will honor your request. Note: Backups and residual copies may remain in archives for a limited time as per our retention policies.

Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

Access & Portability: The right to request confirmation of the data we hold about you, receive a copy of your personal data, and in certain cases obtain it in a portable format.
Correction: The right to request correction of any inaccurate or incomplete personal data we hold about you.
Erasure (“Right to be Forgotten”): The right to ask us to delete your personal data when it’s no longer needed for the purposes collected, or if you withdraw consent (where our processing relies on consent).
Restriction: The right to request that we limit processing of your data in specific situations
Objection: The right to object to our processing if based on legitimate interests or for direct marketing; we will cease such processing unless we demonstrate compelling grounds.
Not to be Subject to Profiling: Where applicable, the right not to be subject to automated decision-making that produces legal or similarly significant effects, unless lawfully implemented with safeguards (currently we do not perform such automated decisions)

California Privacy Rights: If you are a California resident, under the California Consumer Privacy Act (CCPA) and related laws, you have additional rights: the right to know what personal data we have collected/shared in the past 12 months, to request deletion of your data, to correct inaccurate information, and to opt out of the sale or sharing of your personal information. (We do not sell personal data for profit, but we may share data with service providers for marketing purposes that could be construed as “sharing” under CCPA. You can opt out of any such sharing at any time.) You may also designate an agent to exercise these rights on your behalf. To exercise any of your rights, or to make privacy-related requests, please contact us (see below). We will respond in accordance with applicable law, typically within 30-45 days. Note that verifying your identity (e.g. confirming your email address or prior communications) is required to process requests to protect your privacy. We will not charge a fee for lawful requests (unless they are manifestly unfounded or excessive)

Cookies and Tracking

We use cookies and similar tracking tools to enhance your experience. Cookies are small text files stored on your device that allow us to recognize your browser and remember settings.

. Some cookies are essential for the Site to function; others help analyze usage patterns (analytics cookies) or remember your preferences (functionality cookies). You may set your browser to refuse cookies or alert you, but refusing cookies may affect Site functionality. Third-party cookies (e.g., from analytics providers) may also be used; their use is governed by those third parties. For example, Google Analytics cookies enable us to collect non-personal usage information (pages visited, time on page, etc.) to improve the Site

grassrootscarbon.com. We recommend visiting allaboutcookies.org for more information on cookies and how to manage them.

Do Not Track

Some browsers send a “Do Not Track” (DNT) signal. If your browser sends DNT, our Site will not track your activity. However, the Site will still function normally.

Third-Party Services

We may use third-party services to process data on our behalf. These may include cloud hosting providers, analytics platforms, email services, and CRM or marketing tools. Our agreements with these providers require them to keep your data secure and use it only for the purposes we specify. For instance, if our Site is hosted on a cloud platform located in a different country, your personal data will be transferred there. When we transfer data internationally (e.g. from the EU to the US), we use recognized safeguards (such as the EU-US Data Privacy Framework or standard contractual clauses) to comply with applicable law. We encourage you to review the privacy policies of any third-party services we use. We do not control their actions or policies. We are not responsible for third-party cookies or tracking technologies on their sites even if linked from ours.

Data Retention

We retain personal data only as long as necessary for the purposes for which it was collected, including any legal or regulatory obligations. Once the data is no longer needed, we securely delete or anonymize it. If you have opted out of communications, we may retain your email in a suppression list to ensure we do not contact you in the future, in compliance with law.

No Major Risk Business Disclaimer

Since analytics.loan provides consulting services to businesses (not to individual consumers), our privacy practices reflect a B2B context. The personal information we collect (like business email, company affiliation, job title) is typically used to assess project feasibility or provide quotes. We do not profile you for purposes of employment, credit, or health insurance decisions. Our policies do not address consumer credit reporting, and we do not intentionally target minors or collect sensitive personal data.

Children’s Privacy

Our Site is not directed to children, and we do not knowingly collect data from individuals under 16. If we learn that we have inadvertently collected personal data from a child under the applicable age threshold, we will delete it as soon as possible. Parents or guardians who become aware of such a situation can contact us to request deletion.

Updates to Privacy Policy

We may update this Privacy Policy from time to time (for example, to reflect new legal requirements). We will indicate the date of the latest revision. Material changes will be notified by a notice on the Site or by email if we have your address. Your continued use of the Site after the updated Policy is posted will constitute acceptance of the changes.

Contact Information

If you have any questions about this Privacy Policy or our data practices, or to exercise your rights, please contact:

Email: info@analytics.loan, Postal Address: Analytics Loan, LLC, 2120 University Ave, Berkeley, CA 94704

We will respond to privacy inquiries within a reasonable timeframe. You also have the right to lodge a complaint with a data protection authority (for example, the Information Commissioner’s Office in the UK or an EU Data Protection Authority if you reside in the EU) if you believe your rights have been violated.