Lendistry Home Loans Privacy Policy

Introduction
- Lendistry Home Loans, LLC (“LHL”) operates this website and other websites (the “Websites”), the mobile or web-based applications that you are using to communicate with us, obtain information, submit your loan request and other related documentation (“the Portal”) in connection with the services provided to you by LHL (the “Services”)LHL values your patronage and is committed to protecting the privacy and security of the information we collect about you as a website visitor, customer, potential customer, former customer, job applicant, or employee.We may collect certain information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you as a consumer or household (“Personal Information”). Personal Information does not include de-identified or aggregated consumer information.
Scope and Consent
1. Scope.
  - This Policy applies to all Personal Information collected by LHL through our Websites, the Portal, and any other means where you may interact with us. It covers how we collect, use, disclose, and protect your Personal Information we hold about you, as well as your rights regarding your Personal Information. Based on the products and Services you obtain, or employment with LHL additional privacy notices may be provided to you.
  - We encourage you to read this Policy carefully to understand our practices regarding your Personal Information. Residents of some states may have added privacy rights. Information about these rights may be found in the US Privacy Rights Notice.
2. Consent.
  - By accessing or using our Websites, the Portal, and any of LHL’s products or Services, or by applying for employment with LHL, you acknowledge and agree to the terms outlined in this Policy. Your continued use of our Websites, the Portal and our Services constitutes your ongoing agreement to this Policy. If you do not agree with our practices and policies, you should refrain from using our Websites, the Portal and the Services.
3. Exclusions.
  - Please note that this Policy does not apply to third-party websites, products, or services, even if they are accessible through Websites, the Portal and our Services, and we encourage you to review the privacy policies of any third-party entities before providing them with your Personal Information.
Information You Provide Us About You
1. Information collection occurs when you provide us your information to apply for a mortgage, financial product, or other product or service, or when you purchase another product or service from us; when you are referred to us through one of our affiliates or joint ventures, or partners; when you communicate with us via third-party platforms, participate in a contest, promotion or survey; when you request customer support or information about our products or Services; or when you otherwise communicate with us. Our methods of data collection include direct interactions with you (such as when you use our services or contact our support), automated technologies (like cookies and analytics tools), and third-party sources.
2. Additionally, job applicants, as well as current and former employees may provide us information necessary to apply for a job and or to obtain or retain benefits during and after employment as described under the Employees and Job Applicants in this section 2 and throughout this Policy.
3. The information you provide us includes, but is not limited to:
  1. Identifiers: Such as your name, alias, unique personal identifier, online identifier, Internet Protocol address, email address, postal address, phone number, and other similar information.
  2. Sensitive personal information: Such as your social security, driver’s license, state identification card, government identification card, or passport number; account log-in, financial account number in combination with any required security or access code, password, or credentials allowing access to the account.
  3. Demographic Information: We may collect information like your race, ethnicity, age, gender, and other demographic details for compliance with federal or state requirements.
  4. Employment or professional history or status and education information
  5. Financial Information: If applicable, this includes information such as your income, assets, savings, investments, liabilities, and net worth and other financial data that is relevant to the services we provide.
  6. Loan, real estate, or financial or credit products or services you have used in the past.
  7. Home ownership status, location, and approximate value of your property, as well as photos of your property
  8. Bank account information
  9. Insurance information
  10. Information for fraud detection and prevention (including your photo)
  11. Any Other Information You Provide: This includes information you voluntarily provide in surveys, feedback forms, or customer support interactions.
Information We Collect About You
1. Consumer and Customers
  We collect your Personal Information to help us serve your financial, real estate, insurance, credit, and homeownership-related needs; to provide you with quality products and Services, even if you cease to be a customer; and to fulfill legal and regulatory requirements.Typically, we collect this information on applications and other forms you complete; through conversations you may have with our loan originators, processors, representatives, and agents; through our service partners; through third-parties, such as realtors, home builders, and marketing companies; through our Websites, online tools, and the Portal.We may also collect information from a wide range of other sources to process and/or underwrite your loan, assist you in your real estate transaction(s), participate in the settlement of your loan, or otherwise provide you with loan, credit, insurance, or homeownership-related products and services.These sources may include among others, lenders, mortgage brokers, employers, attorneys, banks, title insurers, insurance companies, credit reporting agencies, and partners for which, if necessary, we will provide you notice before sharing information and/or that we obtain your consent.
  
  The Personal Information we collect about you may include:
  1. Identifiers: Such as your name, alias, unique personal identifier, online identifier, Internet Protocol address, email address, postal address, phone number, and other similar information.
  2. Sensitive personal information: Such as your social security, driver’s license, state identification card, government identification card, or passport number; account log-in, financial account number in combination with any required security or access code, password, or credentials allowing access to the account.
  3. Demographic Information: We may collect information like your race, ethnicity, age, gender, and other demographic details for compliance with federal or state requirements.
  4. Contact information: Such as first and last name, mailing or property address, phone number, email address.
  5. Account access information: Such as username and password
  6. Employment or professional history or status and education information
  7. Financial Information: If applicable, this includes information such as your income, assets, savings, investments, liabilities, and net worth and other financial data that is relevant to the services we provide.
  8. Bank account and credit/debit card numbers
  9. Loan account information: Such as loan number
  10. Insurance information
  11. Information for fraud detection and prevention (including your photo)
  12. Technical and Usage Data: Information about how you interact with our services, including browser information, IP address, online identifiers, and details of your interactions with our website and applications.
  13. Location Data: Depending on your device permissions, we might collect data about your geographical location.
  14. Information from Third Parties: We may receive information about you from other sources, such as credit bureaus, marketing partners, and publicly available sources.
  15. Other personal Information Needed from You: To provide real estate-related, loan-related, insurance-related, credit-related, and homeownership-related services to you.
Use of Information
At LHL, we use the Personal Information we collect for various purposes, including but not limited to:
1. Service Provision: We use certain of your information to obtain a credit report from a credit bureau to determine your credit worthiness, help assess your eligibility for our products and services, facilitate activities and transactions that need to occur during the lending, title, escrow, loan settlement, real estate transaction, and other product and service transaction process such as: to deliver and maintain our services, including to process transactions, fulfill requests, and provide customer support.
2. Improvement and Development: To improve and develop new features and services, enhancing user experience and functionality.
3. Communication: To communicate with you if there is a problem completing a transaction you requested or to discuss a problem with your account, loan application, transaction, or product or service request, provide updates, offers, promotions, and events related to our services, and to provide news and information we believe may be of interest to you.
4. Personalization: To personalize your experience with our services, including providing tailored content and advertising.
5. Security: To ensure the security and integrity of our services, including protecting against fraud, abuse, and other harmful activities.
6. Legal Compliance: To comply with applicable laws, regulations, and legal processes.
7. Analytics and Research: For research and analytics purposes, to understand how our services are used and how we can improve them.
8. Marketing: For marketing purposes, including developing and providing promotional and advertising materials that may be relevant, valuable, or otherwise of interest to you.We are committed to using your personal information responsibly and in line with the preferences you have expressed.
Notice for California Job Applicants and Employees
If you are a California resident and current or former employee, contractor, or other personnel (collectively, “employee”) as defined in the California Consumer Privacy Act, or a job applicant, LHL may collect the following personal information (including sensitive personal information) about you:
1. Contact information (such as name, sex, age, date of birth, email address, mailing address, telephone number and identification documents such as residency or work permits, social security number, other taxpayer/government identification number, as well as emergency contact information);
2. Professional and employment-related information (such as professional qualifications, prior employment history, education history, references)
3. Pre-employment screening (such criminal background check, as permitted by law)
4. Organizational data including work contact details (such as address, email, phone number, position/title, job function, employee ID, work eligibility information)
5. Contract and compensation data
6. Employment-related information (such as benefits information)
7. Sensitive Personal Information (where permitted and in accordance with applicable law), including biometric data and, of the information listed above, social security number, driver’s license number, age, racial or ethnic origin, health, medical information, and criminal history that may also qualify as personal information.
8. Other personal information needed from you to consider your application, and/or conduct employment-related business purposes.
9. For more information, please see the US States Privacy Notice

LHL may be required to obtain the above-mentioned information in order to fulfill legal, regulatory or contractual obligations, and/or to carry out the employment relationship with you. In general, you are required to provide such personal information, except in limited instances when we indicate that providing certain information is voluntary (for example, in connection with employee surveys). Not providing personal information where required may prevent LHL from carrying out the employment relationship with you and may require LHL to terminate your employment where permitted by applicable law.

In instances in which providing Sensitive Personal Information is voluntary, we will let you know. If you decide not to share Sensitive Personal Information, that is voluntary, and not doing so will not impact your employment with LHL.

Sharing and Disclosure
LHL values your privacy. We only share or disclose your personal information in the following situations:
1. With Service Providers: We may share information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.
2. For Legal Reasons: We may disclose information where required by law, such as to comply with a subpoena or similar legal process, or to protect the rights, property, or safety of [Company Name], our customers, or others.
3. Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or other similar event, your information may be transferred or shared with the successor or affiliate entity.
4. With Your Consent: We may share personal information with third parties when we have your consent to do so.
5. Aggregated and De-Identified Information: We may share aggregated or anonymized information which cannot reasonably be used to identify you.
6. Marketing Purposes: With your permission, we may share information with partners and third parties for marketing purposes.

We take measures to ensure that your personal information is treated securely and in accordance with this Policy and no transfer of your personal data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

US State Privacy Laws and Privacy
This Privacy Policy may not constitute your entire set of privacy rights, as these may also vary from state to state. Residents of certain states may be entitled to additional rights over their personal information provided under applicable state laws. For more information about these rights and how to exercise them, please see our US Privacy Rights Notice.
1. Exercising Your Rights: To exercise any of the rights outlined in the US Privacy Rights Notice, you must either fill out our webform https://www.requesteasy.com/65b9-3155 or email [email protected]. We will respond to your request in accordance with applicable laws and within the required timeframes. Please note that we may need to verify your identity before processing your request.

Cookies and Tracking Technologies
LHL uses cookies and similar tracking technologies to enhance your experience on our website and applications.
1. Here’s how we use these technologies:
  1. Cookies: Small data files placed on your device that help us understand how you use our services, remember your preferences, and improve your experience.
  2. Web Beacons: Small electronic files used to track your navigation on our website, the effectiveness of our marketing campaigns, and deliver content relevant to your interests.
  3. Analytics: We use analytics tools to collect information about your use of our services, which helps us improve our offerings.
  4. Advertising: We use cookies and web beacons to show you targeted advertisements on other sites based on your interests.
  5. Managing Cookies: You can manage or disable cookies through your browser settings. However, please note that doing so may affect the functionality of our services.
Security Measures
At LHL, we understand the importance of protecting your personal information. We implement a variety of security measures to maintain the safety of your personal data:d of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
1. Data Encryption: We use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our site.
2. Secure Networks: Your personal information is kept behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems.
3. Regular Updates: We regularly update and test our security technology to improve the protection of our information systems.
4. Training and Awareness: We conduct regular training and awareness programs for our employees on data security and privacy.
5. Incident Response: We have established procedures to respond to any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Please note, however, that no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Data Retention
LHL is committed to only retaining personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.
1. Retention Period: The period for which your data is held will depend on the type of information and the purposes for which it is processed. The criteria we use to determine retention periods include:
  1. The duration of our ongoing relationship with you and the services we provide.
  2. Whether there is a legal obligation to which we are subject (e.g., certain laws require us to keep records of your transactions for a certain period of time before we can delete them).
  3. Whether retention is advisable in light of our legal position (such as regarding applicable statutes of limitations, litigation, or regulatory investigations).
2. Deletion of Data: After the expiry of the applicable retention periods, your personal data will be securely deleted or anonymized.

Please contact us if you have any questions about our data retention policy.

Children’s Privacy
LHL recognizes the importance of protecting the privacy and safety of children. Our services are not directed to, and we do not knowingly collect personal information from, children under the age of 18.
Changes to the Policy
LHL reserves the right to update or modify this Policy at any time. Significant changes to the policy will be communicated to you in the following ways:
1. Notification on Website: We will post a prominent notice on our website indicating that the Policy has been updated.
2. Direct Communication: Where feasible, we will notify you directly through email or other direct communication methods, especially if the changes significantly impact your rights or the way we use or handle your personal information.
3. Effective Date: The date of the last update will always be listed at the top of the Policy, so you are aware of when it was last revised.

We encourage you to review this Policy periodically to stay informed about how we are protecting the personal information we collect. Your continued use of our services after any changes or revisions to this Policy signifies your agreement to the terms of the revised policy.

Contact Information
For any questions or concerns regarding this Policy or our data practices, please contact us at:
Email: [email protected]
Phone: (888) 208-4984

Our dedicated team is available to address any of your privacy-related inquiries and provide further clarification on our data handling practices.
Effective Date
This Policy is effective as of April 1, 2024, and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.