Privacy Policy

California Consumer Privacy Act Privacy Policy

IMPORTANT NOTICE CONCERNING OUR PRIVACY POLICY

1. Categories of Information We Collect

We collect the following categories of personal information:

  • Personal Identifiers: Name, address, phone number, email address, Social Security number, driver’s license number, or other identification numbers.
  • Financial Information: Account details, income, credit history, bank details, credit scores, and information on existing loans or other financial obligations.
  • Protected Classification Information: Information such as gender, marital status, or other demographics if provided.
  • Transaction Information: Details about your transactions with us, including loan amounts, payment history, and account activities.
  • Internet or Other Network Activity: IP address, browser characteristics, device characteristics, operating system, language preferences, referring URLs, browsing history, and interactions with our website or online services.
  • Geolocation Data: Physical location, such as when accessing our services online.
  • Professional or Employment Information: Employer details, job title, and income information.
  • Sensitive Information: Information used for credit checks or loan approvals, such as your credit score or your financial history.
  • Inferences: Information derived from your interactions and data that is used to build profiles or preferences related to your lending qualifications.
  • Device and Usage Information: Information obtained through cookies, web beacons, and other automated technologies, including clickstream data (content clicked while browsing our website) and timestamps of site visits.

2. How We Collect Your Information

We collect your personal information through the following methods:

  • Directly from You: When you apply for a loan, register for an online account, contact us, or use our services.
  • From Third Parties: Including credit reporting agencies, public records, financial institutions, or service providers.
  • Automatically: Through cookies, web beacons, or similar technologies when you interact with our website or online services.
  • From Service Providers: Entities that assist us in processing loans, underwriting, or providing customer support.
  • Through Analytics Services: Third-party web analytics services like Google Analytics, which use technologies such as cookies and web server logs to analyze website usage and improve your experience.

3. How We Use Your Information

We may use your personal information for the following business purposes:

  • Loan Processing and Approval: To assess your creditworthiness, verify your identity, and determine eligibility for loans or other financial products.
  • Servicing Your Loan: Managing your loan account, including processing payments and communicating with you about the status of your loan.
  • Credit Reporting: Sharing your account details with credit reporting agencies to report on your loan and payment history.
  • Customer Support: To respond to inquiries, resolve issues, and improve our service offerings.
  • Marketing and Promotional Activities: Subject to your consent, we may send you promotional materials or offers regarding products or services we believe may be of interest to you.
  • Fraud Prevention and Security: To protect against unauthorized access to your account or our services and to ensure the security of your information.
  • Operational Improvements: To evaluate and improve our business, including the development of new products and services, assessing the effectiveness of marketing efforts, and performing financial analysis.
  • Compliance and Legal Obligations: To comply with applicable legal requirements, respond to subpoenas, and fulfill regulatory obligations.
  • Personalized Experiences: Customizing your experience on our website by tailoring content and services based on your interactions and preferences.

4. SMS Consent and Privacy

We do not sell, trade, or share mobile opt-in data and consent with third parties for marketing purposes. Mobile numbers collected for SMS messaging are used solely for the purposes outlined in this policy and will not be shared with any unaffiliated third parties.

Opt-Out and Support

You may opt out of receiving SMS notifications at any time by replying “STOP” to any message. For assistance, reply “HELP.” If you have questions, you can also contact us via:

Consent Is Not a Condition of Service

Your consent to receive SMS notifications is not a condition of applying for or receiving services from Lendix Financial Services Inc.

5. How We Share Your Information

We do not sell your personal information. However, we may share your information as follows:

  • Service Providers: Entities that assist us with payment processing, identity verification, marketing, or customer support. These providers are bound by contractual obligations to keep your information confidential.
  • Credit Reporting Agencies: To report on your loan and payment history.
  • Governmental Authorities: To comply with legal requirements, subpoenas, or court orders.
  • Debt Collectors: In cases of delinquent loans, we may share your information with collection agencies.
  • Business Transactions: In the event of mergers, acquisitions, or similar transactions, your information may be transferred as part of the business assets.
  • Marketing Partners: Joint marketing partners for co-branded financial products, in compliance with applicable financial privacy laws.

6. Retention of Your Personal Information

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected or as required by law. This includes retaining records for regulatory compliance, legal obligations, resolving disputes, and enforcing our agreements.

7. Your Rights Under the California Consumer Privacy Act (CCPA)

If you are a resident of California, you have the following rights:

  • Right to Know: Request the categories and specific pieces of personal information we have collected about you over the past 12 months.
  • Right to Access: Obtain a copy of your personal information that we maintain.
  • Right to Delete: Request that we delete personal information we have collected, subject to legal exceptions.
  • Right to Correct: Request corrections to inaccurate personal information.
  • Right to Opt-Out: Although we do not sell personal information, you can opt-out of any future sales should our practices change.
  • Right to Non-Discrimination: You will not be discriminated against for exercising your CCPA rights.

8. Security Measures

We take the security of your personal information seriously. Measures include encryption, access controls, and secure storage. While no system is foolproof, we continually review our security practices to ensure your data is protected.

9. Cookies and Other Tracking Technologies

We use cookies and web beacons to enhance your experience on our website. You can adjust your browser settings to decline cookies, but some website features may not function properly without them.

10. Credit Reporting and Data Accuracy

We report your loan account details to credit bureaus. If you believe there is an error, please contact us immediately to resolve discrepancies.

11. Children’s Privacy

We do not knowingly collect personal information from children under the age of 13. If we become aware of such data, we will delete it promptly.

12. Updates to This Privacy Policy

This Privacy Notice may be updated periodically to reflect changes in our practices or legal requirements. Updates will be posted on our website with an effective date.

13. How to Contact Us

If you have any questions about this Privacy Notice or wish to exercise your privacy rights, you may contact us through: