Privacy Policy

1. Introduction

Lender.Reviews ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services (collectively, the "Service").

Please read this Privacy Policy carefully. By using our Service, you consent to the practices described in this policy.

2. Information We Collect

2.1 Information You Provide

When you use our Service, we collect information that you voluntarily provide, including:

• Contact Information: Name, email address, phone number, mailing address
• Property Information: Property type, location (zip code), property value, address
• Financial Information: Mortgage balances, credit rating, bankruptcy history, foreclosure history
• Loan Details: Purpose of loan, real estate experience, exit strategy, additional cash needed
• Professional Relationships: Whether you work with a trusted professional

2.2 Automatically Collected Information

When you access our Service, we automatically collect certain information, including:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Location Data: General geographic location based on IP address
• Cookies and Tracking Technologies: Information collected through cookies, web beacons, and similar technologies

3. How We Use Your Information

We use the information we collect for the following purposes:

• Connecting You with Lenders: To match your loan request with appropriate lenders in our network
• Service Delivery: To provide, maintain, and improve our Service
• Communication: To contact you about your loan request, respond to inquiries, and send service-related notifications
• Analytics: To analyze usage patterns and improve user experience
• Marketing: To send promotional materials and updates (with your consent)
• Legal Compliance: To comply with legal obligations and protect our rights
• Fraud Prevention: To detect and prevent fraudulent activity

5. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your use of our Service. Cookies are small data files stored on your device.

Types of Cookies We Use:

• Essential Cookies: Required for the Service to function properly
• Analytics Cookies: Help us understand how users interact with our Service
• Marketing Cookies: Used to deliver relevant advertisements
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our Service.

6. Data Security

We implement appropriate technical and organizational security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• 256-bit SSL encryption for data transmission
• Secure data storage with access controls
• Regular security assessments and updates
• Employee training on data protection

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

7. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

8. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Opt out of marketing communications
• Data Portability: Request a copy of your information in a portable format
• Restriction: Request restriction of processing of your information

To exercise these rights, please contact us using the information provided in Section 13.

9. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

10. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete such information.

11. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your privacy rights

Note: We do not sell your personal information in the traditional sense. However, sharing your information with lenders in our network may be considered a "sale" under CCPA. You can opt-out by not submitting a loan request.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: