Privacy Policy

1. Introduction

LenderOS, Inc. (“Company” or “We”) respects your privacy and is committed to protecting it through our compliance with this policy. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit the website lenderos.app (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect on this Website, in email, text, and other electronic messages between you and this Website, and when you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy.

2. What We Collect

Information You Give Us

We collect information you provide directly to us, including when you create an account, apply for a loan, fill out a form, or communicate with us. This information may include:

• Full legal name, date of birth, and Social Security number
• Contact information (email address, phone number, mailing address)
• Employment and income information
• Financial account details, assets, and liabilities
• Credit history obtained through authorized credit bureau inquiries
• Government-issued identification documents
• Any other information you choose to provide

Information Automatically Collected

When you visit our Website, we may automatically collect certain information about your device and your use of the Website, including your IP address, browser type and version, operating system, referral URLs, pages viewed, links clicked, and the date and time of your visit. We may also collect information about your internet connection, the equipment you use to access our Website, and usage details.

3. Use of Personal Information

We use information that we collect about you or that you provide to us, including any personal information:

• To evaluate your loan application and creditworthiness
• To calculate your credit score and determine loan eligibility
• To present our Website and its contents to you
• To provide you with information, products, or services that you request from us
• To communicate with you about your application status and account
• To fulfill any other purpose for which you provide it
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us
• To notify you about changes to our Website or any products or services we offer or provide through it
• To comply with applicable laws, regulations, and legal processes
• To improve our services and develop new lending products
• In any other way we may describe when you provide the information
• For any other purpose with your consent

4. Sharing of Personal Information

We do not sell your personal information. We may disclose personal information that we collect or you provide as described in this Privacy Policy:

• To credit reporting agencies to obtain credit reports and verify information
• To our subsidiaries and affiliates
• To contractors, service providers, and other third parties we use to support our business
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of LenderOS, Inc.'s assets
• To fulfill the purpose for which you provide it
• For any other purpose disclosed by us when you provide the information
• With your consent
• To comply with any court order, law, or legal process, including to respond to any government or regulatory request
• To enforce or apply our Terms of Use and other agreements
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of LenderOS, Inc., our customers, or others

5. International Transfer

Your information, including personal information, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer the information, including personal information, to the United States and process it there.

6. How Information is Secured

We implement industry-standard security measures to protect your personal information. Sensitive data such as Social Security numbers are encrypted using AES-256-GCM encryption at rest and in transit. Access to personally identifiable information (PII) is restricted to authorized personnel on a need-to-know basis, and all PII access is logged for audit purposes. We use secure HTTPS connections for all data transmission and maintain firewalls and intrusion detection systems.

7. How Long Do We Keep Your Information

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory requirements, resolve disputes, and enforce our agreements. Loan application data is retained for a minimum period as required by applicable federal and state lending regulations. When your personal information is no longer needed, we will securely delete or anonymize it.

8. How Do We Keep Your Information Safe

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

9. Information Choices and Changes

You have the right to access the personal information we hold about you, request correction of inaccurate information, request deletion of your personal information (subject to legal retention requirements), opt out of marketing communications, and file a complaint with the appropriate regulatory authority. You may send requests about your personal information to us at privacy@lenderos.app. You can opt out of receiving promotional email communications from us by clicking the “unsubscribe” link in those emails.

10. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

11. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Updated” date at the top. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

12. Eligibility

Our Website and services are intended for users who are at least 18 years of age. We do not knowingly collect personal information from anyone under the age of 18. If you are under 18, do not use or provide any information on this Website or through any of its features. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete that information.

13. Notice to EU Data Subjects

If you are a resident of the European Union, you may have additional rights under the General Data Protection Regulation (GDPR), including the right to access, rectify, port, and erase your data, as well as the right to restrict and object to certain processing of your data. To exercise these rights, please contact us at privacy@lenderos.app.

14. Cookies

We use cookies and similar tracking technologies to track the activity on our Website and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website.