Privacy Policy

Lendistry Interactive, LLC (“Lendistry Interactive” or “we”) operates the website and portal that you are using to submit your loan application and other related documents and to conduct other transactions requested in connection with the services provided by Lendistry Interactive (the “Services”). This Privacy Policy explains the personal information that we may collect from you, how we may use it, and the rights that you have concerning that data when you use our Services. We strive to maintain a standard of data privacy in accordance with your data protection rights under applicable law. The proper use of the personal information that you provide to us is a responsibility that we take seriously. By accessing and using our Services, you acknowledge and consent to our collection and use of information as set forth in this Privacy Policy. If you do not agree to this Privacy Policy, you must not use the Services.

Our Collection, Use and Sharing of Personal Information

We may collect certain information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a consumer or household (“Personal Information”), which may include sensitive Personal Information. Personal Information does not include de-identified or aggregated consumer information. Please see the following disclosure regarding what Personal Information we may collect, use and share based on your use of our Services and the consent(s) you have provided to us:

Categories of Personal Information that may be Collected	Category of Sources From Which that Information was Collected	The Business or Commercial Purpose(s) for which the Information was Collected	The Categories of Third Parties with which we may share the Personal Information
Identifiers, such as your name, postal address, unique personal identifier, internet protocol address, email address, telephone number, signature, account name, social security number, driver’s license or other state identification number, passport number, financial account number, or other similar identifiers.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; service providers, including consumer data resellers; and marketing partners.	to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; to improve the quality, safety, and security of our products and services; to administer your account(s); to process your payments for products and services and/or make payments to you in connection with such products and services; to operate our websites and applications, including online registration and application processes; to develop new products and services; to undertake internal research for technological development and demonstration; to customize and improve communication content; to provide advertising and marketing services; to comply with legal, regulatory, or contractual requirements; to audit compliance with applicable standards; to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; to debug to identify and repair errors that impair existing intended functionality; and for short-term, transient uses.	Our service providers, including consumer data resellers; government entities; financial institution partners and customers; marketing and other business development partners; data analytics providers.
Protected classification characteristics under California or federal law, such as age (40 years or older), race, ethnicity, citizenship, marital status, physical or mental disability, sex, and veteran or military status.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; service providers, including consumer data resellers; and marketing partners.	to provide our products and services; to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; to develop new products and services; to audit compliance with applicable standards; and to comply with legal, regulatory, or contractual requirements.	Our service providers; government entities; financial institution partners and customers; data analytics providers.
Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; service providers, including consumer data resellers; and marketing partners.	to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; to improve the quality, safety, and security of our products and services; to administer your account(s); to process your payments for products and services and make payments to you in connection with such products and services; to develop new products and services; to comply with legal, regulatory, or contractual requirements; to audit compliance with applicable standards; and to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.	Our service providers, including consumer data resellers; government entities; financial institution partners and customers; marketing and other business development partners; and data analytics providers.
Internet or other electronic network activity information, including, browsing history, search history, and information regarding a consumer’s interaction with an internet website or application.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; service providers.	to provide our products and services; to improve the quality, safety, and security of our products and services; to operate our websites and applications, including online registration and application processes; to develop new products and services; to customize and improve communication content; to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; and to debug to identify and repair errors that impair existing intended functionality.	Our service providers; data analytics providers.
Geolocation data	Consumers provide this information through their interaction with our products or services.	to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; to administer your account(s); to operate our websites and applications, including online registration and application processes; to comply with legal, regulatory, or contractual requirements; auditing compliance with applicable standards; and to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.	Our service providers; and data analytics providers.
Professional or employment-related information.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; and service providers, including consumer data resellers.	to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; to administer your account(s); to operate our websites and applications, including online registration and application processes; to develop new products and services; to comply with legal, regulatory, or contractual requirements; auditing compliance with applicable standards; and to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.	Our service providers, including consumer data resellers; government entities; financial institution partners and customers; and data analytics providers.
Education information, defined as information that is not publicly available personally identifiable information as defined in the FERPA, 20 USC 1232g.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; and service providers, including consumer data resellers.	to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; to operate our websites and applications, including online registration and application processes; to develop new products and services; to audit compliance with applicable standards; to comply with legal, regulatory or contractual requirements; and to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity	Our service providers, including consumer data resellers; government entities; financial institution partners and customers; data analytics providers.
Inferences drawn from any of the information about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; and service providers, including consumer data resellers.	to provide our products and services, including to determine creditworthiness and/or other applicable eligibility for such products and services; to improve the quality, safety, and security of our products and services; to administer your account(s); to process your payments for products and services and/or make payments to you in connection with such products and services; to operate our websites and applications, including online registration and application processes; to develop new products and services; to undertake internal research for technological development and demonstration; to customize and improve communication content; to provide advertising and marketing services; to comply with legal, regulatory, or contractual requirements; to audit compliance with applicable standards; to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity; to debug to identify and repair errors that impair existing intended functionality; and for short-term, transient uses.	Our service providers, including consumer data resellers; government entities; financial institution partners and customers; data analytics providers.
Sensitive Personal Information, such as your account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; and your precise geolocation.	Consumers provide this information directly to us or automatically through their interaction with our products or services; licensors; and service providers, including consumer data resellers.	to provide our products and services; to administer your account(s); to process your payments for products and services and/or make payments to you in connection with such products and services; to operate our websites and applications, including online registration and application processes; to comply with legal, regulatory or contractual requirements; and to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible for that activity.	Our service providers, including payment processors and; financial institution partners and customers;..

In addition, where consistent with appropriate laws and regulations, we may disclose Personal Information if such disclosure is necessary to:

prepare, negotiate, or perform a contract with you;
respond to subpoenas, court orders, or other legal process or otherwise required by law or the competent governmental or judicial authorities;
establish or preserve a legal claim or defense;
evaluate or conduct a merger, divestiture, acquisition, restructuring, reorganization, dissolution, or other sale or transfer of all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by us is among the assets transferred; or
prevent fraud or other illegal activities, such as willful attacks on our information technology systems.

We may disclose your Personal Information to a third party for a business purpose. When we disclose Personal Information for a business purpose, we enter a contract that describes the limited purposes for such disclosure; requires the recipient to both keep that Personal Information confidential and not use it for any purpose except performing the contract; and obligates the third party to comply with applicable law.

Other Information Collection

We may use cookies and other tracking technologies to capture information when you use our Services.

We may also allow third parties to use cookies and other tracking technologies to capture information when you use our Services.

For example, we use Google Analytics to generate statistical and other information about the use of our Site by means of cookies. To learn more about Google’s privacy policy, please visit: http://www.google.com/policies/privacy/. You can also learn more about how to opt out of the collection and processing of such information by Google by visiting this website: https://tools.google.com/dlpage/gaoptout.

You may have the ability to accept or decline cookies using your web browser settings. If you choose to not accept cookies, you may not be able to take full advantage of our Services. To learn more about cookies and your ability to opt-out of certain advertising cookies, please visit the following websites: http://www.aboutads.info/choices or http://www.networkadvertising.org/choices.

For mobile applications, you can learn more about which third parties have currently enabled cookies for your mobile device and how to opt-out of some of those cookies by accessing the following website at http://www.networkadvertising.org/mobile-choices from your mobile device. On your mobile device you may have additional choices, such as “Limit Ad Tracking” (on iOS devices) or “Opt out of Interest-Based Ads” (on Android).

Our Services do not respond to web browser ‘do not track’ signals.

Sales of Personal Information

In the preceding twelve (12) months, Lendistry Interactive had not sold Personal Information, including sensitive Personal Information.

Third Party Services and Links

This Privacy Policy does not address, and we are not responsible for, the privacy practices of any third party operating any website or service which linked through our Services. The inclusion of a link through our Services does not imply our endorsement of the linked site. We are not responsible for any information which you provide while visiting such sites, and such sites are not governed by this Privacy Policy. You should exercise caution and review the privacy statement applicable to other websites to which you provide your Personal Information.

Children Under the Age of 16

We do not knowingly collect Personal Information from individuals under the age of 16. Our website and Services are not intended for anyone under the age of 16, and no one under the age of 16 may provide Personal Information to us.

Security

We maintain administrative, technical and physical safeguards designed to protect your Personal Information. While no company can guarantee your Personal Information will not be accessible by unauthorized individuals, we use reasonable security controls in an attempt to mitigate such risks in today’s online environment.

Choices and Access

Some states, including California, provide consumers with specific rights regarding their Personal Information. This section describes your state rights and explains how to exercise those rights.

Your choices regarding our use and disclosure of Personal Information

If you are the resident of certain states, you have the right to:

Request that we delete any Personal Information about you which we have collected from you.
Request that we disclose the following about Personal Information that we have collected about you, free of charge:

The categories of Personal Information that we have collected about you.
The categories of sources from which the Personal Information was collected.
The business or commercial purpose for collecting or selling Personal Information.
The categories of third parties with whom we share Personal Information.
The specific pieces of Personal Information we have collected about you.

Request that we correct inaccurate Personal Information.
Request that if we sell your Personal Information, or if we share Personal Information for a business purpose, that we disclose, free of charge, to:

The categories of Personal Information, if any, that we sold or shared about you.
The categories of third parties to whom the Personal Information was sold or shared, by category or categories of Personal Information for each third party to whom the Personal Information was sold or shared.
The categories of Personal Information that we disclosed about you for a business purpose and the categories of persons to whom it was disclosed for a business purpose.

Direct us, if we sell your Personal Information to third parties, not to sell your Personal Information.
Direct us, if we share your Personal Information to third parties, not to share your Personal Information.
Direct us to limit our use of your sensitive Personal Information to only those uses which are necessary to perform the Services and as authorized by applicable law.

How to Exercise Your Rights

Contact us at 1-888-216-6474 or [email protected]. Please include your name, loan number, email address, and telephone number with your request. We will use this information to verify your identity by matching this information against our business records.
You may also designate an authorized agent to make such requests on your behalf by submitting a signed power of attorney designating the individual who you are authorizing to act on your behalf.
If you would like to appeal our response to any of your requests, you may do so by contacting us at [email protected]. Please include your name, loan number, email address, telephone number, and the basis for your appeal.

We also give you certain choices regarding our use and disclosure of your Personal Information for promotional purposes. You may opt-out from receiving electronic communications from us by contacting us at [email protected] . If you no longer want to receive promotional-related emails from us, you may opt-out according to instructions in such communications. Please note that if you opt-out of receiving marketing-related messages, we may still send you important administrative messages.

Non-Discrimination / No Retaliation

We will not discriminate against you for exercising any of your state rights. Unless permitted by state law, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by state law that can result in different prices, rates, or quality levels. Any permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.

Other California Privacy Rights

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Services that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please contact us at [email protected] or 1-888-216-6474.

Retention Period

We retain Personal Information, including sensitive Personal Information, for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law. To determine the appropriate retention period for Personal Information, we consider the amount, nature, and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of your Personal Information, the purposes for which we process your Personal Information and whether we can achieve those purposes through other means, and the applicable legal requirements. We will not retain Personal Information for longer than is reasonably necessary for the disclosed purposes above.

Changes to Our Privacy Policy

We reserve the right to update our Privacy Policy at any time without notice. Any changes to the Privacy Policy will be posted on this page and will become effective as of the Effective Date listed below. We encourage you to periodically review this page for the latest information on our privacy practices. By continuing to use our Services after the Effective Date of any such changes, you agree to the Privacy Policy in place at the time you use the Services.

Contacting Us

If you have any questions regarding this Privacy Policy, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under applicable law, you may contact us at

Effective Date: July 5, 2022