Privacy Policy

1. Information We Collect

Personal Information

When you apply for a loan, we collect:

• Name, address, phone number, and email address
• Social Security Number
• Employment and income information
• Bank account information
• Date of birth and identification information

Automatically Collected Information

We automatically collect certain information when you visit our website:

• IP address and browser information
• Pages visited and time spent on our site
• Referring website information
• Device and operating system information

2. How We Use Your Information

We use your personal information to:

• Process your loan application
• Verify your identity and income
• Communicate with you about your loan
• Comply with legal and regulatory requirements
• Improve our services and website
• Prevent fraud and ensure security

3. Information Sharing

We may share your information with:

• Service Providers: Third-party companies that help us process applications and provide services
• Legal Requirements: When required by law, court order, or government request
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• Consent: When you have given us explicit consent to share your information

We do not sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures to protect your personal information:

• SSL encryption for all data transmission
• Secure servers with restricted access
• Regular security audits and updates
• Employee training on data protection
• Multi-factor authentication for system access

5. Your Rights and Choices

You have the right to:

• Access the personal information we have about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications
• Request a copy of your personal information

6. Cookies and Tracking

We use cookies and similar technologies to improve your experience on our website. You can control cookie settings through your browser preferences.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Loan records are typically retained for 7 years after the loan is closed.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

9. State-Specific Rights

California Residents (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including:

• Right to know what personal information is collected
• Right to delete personal information
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising CCPA rights

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.

11. Contact Us

If you have questions about this Privacy Policy or want to exercise your rights, contact us:

• Email: privacy@honestlend.com
• Phone: 1-800-HONEST-LEND
• Mail: Privacy Officer, HonestLend, 123 Financial Street, Suite 100, New York, NY 10001