Privacy Policy

1. What information do we collect? #

Personal information you disclose to us. We collect personal information that you voluntarily provide when you request a financing comparison, start one of our category request flows, contact us, or express interest in partnering with us. Depending on the form, that may include your name, email address, phone number, company, the category of financing you are interested in, your answers to that category's questions (for example a business type, a loan purpose, an insurance type, or a debt bracket), an approximate amount as a range, and anything you write in a message field.

If you start a request and stop partway, we keep what you had already entered -- your email, and the phone, name or category if you got that far -- so we can follow up by email about finishing it. By email only: nothing was agreed to at that point, so a phone number from a half-finished form is never called.

Information collected automatically. When you submit a form we also record the page you arrived on, the page you submitted from, which button opened the flow, any campaign parameters and advertising click identifiers in the link you arrived by, your IP address and browser user-agent, and the device type derived from it. We may derive an approximate city from your IP address using a database file on our own server; your address is not sent anywhere to do it. The measurement described in section 2 sets Google Analytics cookies (_ga and _ga_*); our own cookies are csrftoken (form security) and, for staff only, sessionid.

Sensitive information. We do not process sensitive information. No form on this site asks for a Social Security number, a bank account or card number, a full date of birth, or an exact income figure -- so we cannot hold them. Our Services are not directed to anyone under 18 and we do not knowingly collect information from minors.

2. How do we process your information? #

We process your information to provide, improve, and administer our Services, to communicate with you, for security and fraud prevention, and to comply with law. Concretely: to prepare the comparison you asked for and route it to the partners that cover your category; to follow up with you about a request, including one you started and did not finish; to sort incoming requests into reading order by an automatic score computed once, on arrival, from the amount range you chose (the score decides reading order and nothing more -- it is not shared with providers and is not a credit score); to screen automated submissions using checks that run entirely on our own server; and to measure, in aggregate through Google Tag Manager and Google Analytics, which pages lead to requests. We may also process your information for other purposes with your consent.

3. When and with whom do we share your personal information? #

We may share information in the specific situations described here. When you send a financing request and expressly authorize it on the form, we share that request with the network partners matched to your category so they can contact you about it; from the moment a partner receives it, their own privacy policy also governs what they do with it. We may disclose personal information to service providers under written terms -- today that is Google, which processes our aggregate measurement. Information may also be transferred as part of a business transfer such as a merger, sale of assets, financing, or acquisition. We do not sell personal information, and we do not share it with unrelated third parties for their own marketing.

SMS opt-in details and mobile data sharing. You may voluntarily authorize calls and text messages by providing your phone number in a request flow and checking the consent box shown there; the exact wording you agree to is stored with your request. You can opt out at any time by replying STOP to any message, or ask for help by replying HELP or using the contact form. Message frequency varies, and message and data rates may apply. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes; text messaging originator opt-in data and consent will not be shared with any third parties under any circumstances.

Cookie and tracking practices. We use the cookies named in section 1 and, for campaign attribution, your browser's session storage, which empties when the tab closes and is never sent to another site. You can set your browser to refuse cookies or alert you when they are set; every form on this site works with the analytics cookies blocked. There is no session recorder, no heatmap, and no advertising pixel here.

4. How long do we keep your information? #

We keep your personal information only as long as necessary for the purposes set out in this Privacy Notice, unless a longer period is required or permitted by law. In practice: financing requests and contact messages are kept for twenty-four months from submission; partner enquiries for the life of the relationship they concern plus twenty-four months; submissions filtered as automated abuse for six months; and a half-finished request is kept until you finish it, we conclude the follow-up, or you ask us to delete it. Where we delete your details at your request, we keep a minimal record that the request was made and honoured.

5. How do we keep your information safe? #

We have implemented appropriate and reasonable technical and organizational security measures designed to protect any personal information we process. However, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure.

Data security and handling. The site is served over HTTPS only. The database is not reachable from the internet; only the application can open it. Access inside the staff area is restricted by role: a lending partner sees only the categories assigned to them, and sees no name, email or phone number until they take responsibility for a request -- every such access is logged by name and time. And because the most sensitive financial identifiers are never collected at all, they cannot be exposed from here.

6. What are your privacy rights? #

Depending on your country, province, or state of residence, you may have the right to request access to the personal information we collect from you, correct inaccuracies, or delete it. We honour those requests wherever you write from, without charge, and you will never be treated worse for asking. You may also withdraw any consent you gave at any time, object to our processing, and ask how the automatic scoring described in section 2 reached its result for your request.

To exercise these rights, use the contact form on this site and select “A privacy or data request” as the reason -- it arrives marked as one and is answered within thirty days -- or email us at info@lendingfounder.com. Give us the email address you used originally, since that is how we find your record; if we must confirm your identity before deleting something, we ask for the minimum required and use it for nothing else.

7. Controls for Do-Not-Track features #

Most web browsers include a Do-Not-Track (“DNT”) feature or a Global Privacy Control signal. What those signals exist to stop -- the sale of personal information, and its sharing across sites to build advertising profiles -- does not happen here, signal or no signal. The aggregate measurement described above runs either way; if you would rather it did not, blocking it costs you nothing, because every form on this site works identically with it blocked.

8. Contact us #

If you have questions or comments about this notice, or wish to exercise any right it describes, email us at info@lendingfounder.com or use the contact form on this site -- a privacy request sent through the form is flagged and deadline-tracked automatically. You can also reach us by post at:

• LendingFounder
• 90 SW 3rd Street, Suite 2803
• Miami, FL 33130
• United States