Privacy Policy
Who We Are
Student Loans Central is a free student loan management and college planning tool. We are not a lender, servicer, or financial advisor.
Contact: joshberger35@gmail.com
What We Collect
- Email and password (account creation)
- Profile info you provide: name, state, occupation, income range, loan details
- Loan data imported via Plaid
- Basic usage analytics (anonymized)
How We Use It
To operate your dashboard, generate your personalized report, and improve the product. Nothing else.
Plaid
We use Plaid to connect your loan servicer accounts. The connection is read-only — we cannot move money or modify your loans. Plaid access tokens are encrypted and stored server-side only, never exposed to your browser.
Plaid's Privacy Policy: plaid.com/legal/privacy-notice
Disconnect anytime: Settings → Connected Accounts
AI Reports
Your anonymized profile data (state, occupation, income range, loan types) is sent to Anthropic's Claude API to generate your report. Your name and email are never sent to Anthropic.
Anthropic's Privacy Policy: anthropic.com/privacy
Security
All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Row Level Security prevents any user from accessing another user's data at the database level.
Your Rights
- View your data: in your dashboard
- Update your data: in Settings
- Delete everything: Settings → Delete Account
Deletion is immediate and permanent. Your Plaid connection is revoked and all data is purged within 30 days.
California residents have additional rights under CCPA including the right to know, delete, and opt out of sale (we do not sell data).
Children
We do not knowingly collect data from anyone under 13.
Changes
We will notify you of material changes by email 14 days in advance.