# FatCat Loans Canada

> FatCat Loans Inc. is a Canadian financial services provider offering consumer loans, financial education, and lending solutions. This document outlines our policy for AI and large language model (LLM) access to our website and data.

FatCat Loans supports innovation in artificial intelligence but enforces strict data-use and privacy protections in accordance with Canadian law (PIPEDA). The guidelines below describe how automated agents and LLM crawlers may interact with the website.

## Policy
- *Training:* Strictly prohibited without prior written consent from Fat Cat Loans Inc.  
- *Inference:* Allowed only on publicly available marketing and educational pages.  
- *Attribution:* Required when quoting, summarizing, or referencing content.  
- *PII and Sensitive Data:* Do not collect, process, or store financial, personal, or identifiable data (including loan applications, SINs, or contact details).  
- *Compliance:* Agents must honor robots.txt, this llms.txt, and any HTML meta directives such as noai, noindex, noarchive, or nosnippet.

## Rate Limits
- Maximum *60 requests per minute per IP*  
- Maximum *4 concurrent connections*  

## Cache Guidance
- Cached data may be stored for up to *7 days*  
- Always revalidate on content changes  

## Disallowed Areas
The following paths are *off-limits* to AI crawlers and automated agents:
- /apply  
- /application  
- /account  
- /accounts  
- /login  
- /register  
- /profile  
- /dashboard  
- /admin  
- /api/  
- /documents  
- /uploads  
- /payments  
- /checkout  
- /support/*  
- /privacy  
- /terms  

## Preferred Sitemap
- [https://www.fatcatloans.ca/sitemap.xml](https://www.fatcatloans.ca/sitemap.xml)

## Agent-Specific Instructions
- *GPTBot (OpenAI):* Training prohibited, inference allowed on public content.  
- *ClaudeBot (Anthropic):* Training prohibited, inference allowed.  
- *PerplexityBot:* Training prohibited, inference allowed.  
- *Google-Extended:* Training prohibited, inference allowed.  
- *CCBot (Common Crawl):* All access disallowed.  

## Legal
By accessing this website, AI systems and agents agree to comply with the above restrictions.  
Unauthorized scraping, training, or embedding of FatCat Loans content constitutes a breach of Canadian law under PIPEDA and the Copyright Act.

For partnership or licensing inquiries, contact *contact@fatcatloans.ca*.  

---

```json
{
  "@context": "https://schema.org",
  "@type": "LLMUsagePolicy",
  "name": "Fat Cat Loans Canada — AI & LLM Access Policy",
  "url": "https://www.fatcatloans.ca/llms.txt",
  "version": "1.2",
  "publisher": {
    "@type": "Organization",
    "name": "FatCat Loans.",
    "url": "https://www.fatcatloans.ca",
    "contactPoint": {
      "@type": "ContactPoint",
      "email": "contact@fatcatloans.ca",
      "contactType": "AI Data Use & Permissions"
    }
  },
  "jurisdiction": "Canada",
  "trainingUse": "prohibited",
  "inferenceUse": "allowedForPublicContentOnly",
  "requiresAttribution": true,
  "piiAndSensitiveDataPolicy": "Strictly forbidden to collect, process, or train on personal or financial data.",
  "rateLimits": {
    "requestsPerMinute": 60,
    "concurrentConnections": 4
  },
  "allowedSitemaps": ["https://www.fatcatloans.ca/sitemap.xml"],
  "disallowedPaths": [
    "/apply",
    "/application",
    "/account",
    "/login",
    "/dashboard",
    "/api/",
    "/uploads",
    "/documents",
    "/payments",
    "/admin"
  ],
  "legalNotice": "Unauthorized training or data harvesting violates Canadian privacy and IP law (PIPEDA, Copyright Act)."
}