Lendersa® .com Privacy Policy

Last Updated and Effective: June 23, 2023

When you use Lendersa®, you can rest assured that our team is working hard to give you a complete and accurate picture of all available loan options—including their rates, terms, and fees. We also provide personalized advice so that you get the best deal possible

When you input your personal financial information into our websites and other applications, we have an obligation to provide you with clarity regarding how your data is accessed and used by Lendersa® , its affiliates, vendors, partners and other third party entities.

To that end, this Privacy Policy describes the information we collect from you, how we use your information, with whom we share your information, and the steps we take to protect your information.

You are visiting a website owned and operated by Lendersa® , Inc. Lendersa®, Inc and its subsidiaries (collectively, “Lendersa® ”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your Information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms and all of our products and services

Changes to this Privacy Policy

Lendersa® has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Opt Out of Commercial, Non-Commercial Communications and Do Not Track

If you decide to provide us with your contact information, you agree that we may send you communications via text and email. However, you may unsubscribe from certain communications by notifying Lendersa® that you no longer wish to receive these communications, we will endeavor to promptly remove you from our communications list once we have received that request. We currently do not offer a function for you to opt out through “do not track” listings. If you wish to opt out of certain communications or information collection, please contact us at info@lendersa.com

Information We Collect

• a. Identifying Information:
  We collect Information that could identify you, such as your name, address, telephone number, mobile number, email address, and Social Security Number. We may also collect this type of Information from you about others, such as co-borrowers.
• b. Financial Information:
  We may also collect your credit history, credit scores, your transaction history, and credit products, rates, and payments in the course of processing any application for our financial company partners’ products or services. For additional Information relating to your financial information choices, see our Consumer Privacy Disclosure.
• c. Other Information:
  We also collect Information such as demographic data, data about your online activity, and other information that is not used to identify you.

How We Collect Information

• 1. Information provided by you: We collect Information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This Information could be provided via an online form, over the phone, or via other means in which you interact with our Services.
• 2. Information from third parties: Information is collected from credit bureaus, lead generators and other partners who may have data on your financial profile, home, or other demographic Information.
• 3. Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information. This Information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other Information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Sites may not function properly.

How We Use Information

We may use collected Information to:

• 1. Deliver the products and services you requested
• 2. Improve customer service
• 3. Improve our Site
• 4. Personalize your user experience
• 5. Communicate with you about products or services that may be of interest to you
• 6. Manage our business

Who Do We Share Your Information With?

Lendersa® Affiliates:
We may share information about you or provided by you with the Lendersa® affiliates.

Network Partners:
When you submit an inquiry or use another Service provided through the Website, you direct Lendersa® to share information about you or provided by you with lenders and other third parties in our network to deliver the products and services you request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services, and their privacy and information sharing practices are set forth in their respective privacy policies. Pursuant to the contracts between Lendersa® and its Network Partners, if you select a Network Partner through our Services, Lendersa® may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. Lendersa® and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. Lendersa® may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.

Financial Companies:
We may also share information about you with other Financial Companies with whom we engage in joint marketing efforts or who offer financial-related products or services that you may be interested in. These companies’ privacy and information-sharing practices are set forth in their respective privacy policies.

Other Business Partners:
We also may share information about you with other business partners who offer products and services that we believe you may be interested in. Their privacy and information-sharing practices are set forth in their respective privacy policies.

Lendersa® Service Providers:
We may share information with Service Providers that perform certain services on our behalf, including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or Website or product support.

Other Situations:
We may also disclose information about you or provided by you at our sole discretion:

• 1. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
• 2. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the Lendersa® business, our users, our employees, or others; or to enforce our Site’s terms and conditions or other agreements or policies.
• 3. In connection with a substantial corporate transaction involving the Lendersa® business, such as a sale of Lendersa® or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
• 4. In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries, we receive from you. You authorize Lendersa® to obtain any and all required information from the entities with whom you have interacted with in connection with Lendersa® in order for Lendersa® to comply with current laws and regulations as well as with a ny requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
• 5. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, at our discretion, where not prohibited by law.

Cookies and Do Not Track

• a. We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.
• b. The Websites may not respond to Do Not Track requests or headers from some or all browsers.

Marketing and Communications

• a. Communications: You may adjust your communications preferences through your Lendersa® Dashboard profile. You may also modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from Lendersa® .
• b. Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from Lendersa® businesses.

Exercising Your Rights

• a. Your rights
  We believe that you have rights to your personal information even if you do not have an account with us.
  Because some states provide their residents with specific rights in relation to their personal information, the scope of your rights with respect to the data we collect and process may vary depending on where you live.
• b. Verification
  To help protect your privacy and secure your personal information, you may be asked to provide additional information to verify your identity and/or ownership rights prior to us exercising your data rights. If we are unable to verify your identity or ownership rights to the data, we may not be able to provide you with data rights until you are able to provide us with proper documents.
• c. Information retention Unless you specifically ask us to delete your personal information, we will retain your personal information as long as it is necessary for us to comply with our data retention requirements and provide you with services and the benefits of our Services and successfully run our business. However, even if you request a deletion, we may be required to maintain your information for as long as necessary to:
  • comply with our legal or regulatory compliance needs (e.g. maintaining records of transactions you have made with us);
  • to exercise, establish or defend legal claims; and/or
  • to protect against fraudulent or abusive activity on our service.
  This means we may keep different information for different periods. If your account is canceled because you’ve not used it in a long time, we may delete this information at any time.
  There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your personal information from any further processing until such time as we are able to delete, anonymize, or de-identify it.

Updating and Accessing Your Account

How to Update your Lendersa® Information
Once you have registered for a Lendersa® account, you may update or correct your profile information and preferences at any time by accessing your account settings page through the Site.
If you have submitted a loan request through Lendersa® and wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you can update your information by contacting us at info@lendersa.com. Our address is 22527 CRENSHAW BLVD ST E 200, TORRANCE, CA, 90505, USA.
You may correct certain information via your user account. Alternatively, you can contact us at info@Lendersa® .com to request any corrections to your personal information. You may also email us if you wish to unregister, but even after you unregister, we may retain archived copies of information about you consistent with applicable law.

Deactivating Your Account
We do not delete information about you upon deactivation of your account. Although your deactivated status is reflected promptly in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics. Upon deactivation, you will no longer receive emails from us and links to third-party financial accounts, and Services will automatically terminate.

Unsubscribing From Email Communications

If you do not wish to receive email offers or newsletters from us, you can opt out of receiving emails from us (except for emails related to the completion of your registration, correction of user data, change of password, and other similar communications essential to your transactions through the Services) by using the unsubscribe process at the bottom of any marketing email from us. Although your changes are reflected promptly in active user databases, we may retain all information you submit for a variety of purposes, including backups and archiving, prevention of fraud and abuse, and analytics.

How We Protect Your Information

We make reasonable attempts to protect your information from unauthorized access and disclosure by using physical and electronic safeguards such as encryption. We cannot, however, ensure, warrant or guarantee the security of any information you transmit to us through the site or services and you do so at your own risk. For this reason, we recommend that you use anti-virus software, routine credit checks, firewalls, and other precautions to protect yourself from security and privacy threats.

Visiting our Websites From Outside the United States

The Site is designed to provide services in the United States and is governed by the laws of the United States. We make no representation that the Sites are governed by or operated in accordance with the laws of any other nation.

Compliance with Children’s Online Privacy Protection Rule

Our Services are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information.

How to Contact Us

If you have any questions about this privacy policy, the practices of any Lendersa® Business, or your dealings with a Lendersa® Business, please contact us at:

Compliance Officer
Lendersa® , Inc
22527 Crenshaw Blvd ST E 200,
Torrance, CA 90505, USA

or

info@lendersa.com or at 1-818-766-7977

NOTICE TO CALIFORNIA RESIDENTS

We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to provide this CCPA Notice to California residents to explain how we collect, use and share their personal Information, and the rights and choices we offer California residents regarding our handling of their personal information.
CCPA Scope and Exclusions
This CCPA Notice, including the description in this page only to California residents whose interactions with us are limited to:

• a. Visiting our consumer websites,
• b. Signing up for email alerts,
• c. Commenting on or contributing to our blogs,
• d. Establishing an account that does not include financial products or services, or
• e. Applying for our job openings on our websites (however, note that the CCPA limits some of the privacy rights for job applicants).

This CCPA Notice does not apply to the personal information we collect, use or disclose about:
Consumers who initiate or complete the process of applying for financial products or services. This is because this information is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“FIPA”), or Representatives of businesses that seek to obtain our products or services, or to provide products or services to us. For additional information relating to your choices about this information specifically, see our Consumer Privacy Disclosure.

Please note that we may also disclose all personal information as described in the “Who Do We Share Your Information With?” section of the Privacy Policy.

Privacy Rights
The CCPA grants individuals the following rights:
Information. You can request information about how we have collected, used and shared your Personal Information during the past 12 months.
Access. You can request a copy of the personal information that we maintain about you.
Deletion. You can ask us to delete the personal information that we collected or maintain about you.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. We will also respond to requests for information and access only to the extent we are able to associate with a reasonable effort the information we maintain with the identifying details you provide in your request. If we deny your request, we will communicate our decision to you. You are entitled to exercise the rights described above free from discrimination.

How to Submit a Request
To request access to or deletion of personal information:

Call 1-818-766-7977 Email: info@lendersa.com

Identity verification. The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request. We will ask you to verify your identity when you submit a request.
Authorized agents. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
Notice of Collection of Personal Information. We list the categories of your information that we collect and the business and commercial purposes for our use as described in the detailed chart below.

Privacy Practices
We do not sell personal information. As we explain in our Privacy Policy.
We use cookies and other tracking technologies to analyze website traffic and facilitate advertising.