Welcome to LoanManager.app. LoanManager.app is owned and operated by Lending Automator, Inc. ("Lending Automator," "we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and retain information when applicants, prospective borrowers, guarantors, property owners, and other transaction participants use the LoanManager.app website and related services (collectively, the "Services"). LoanManager.app is designed to help you interact with mortgage brokers, lenders, and other organizations that use Lending Automator technology (each, a "Platform Customer") and with other providers involved in a loan or real estate transaction.
Information You Provide. Depending on the Services you use and the transaction involved, we may collect contact and account information; identity information; business and employment information; information about owners, borrowers, guarantors, and other transaction participants; loan application information; financial information; income, assets, liabilities, liquidity, net worth, and credit-related information; property and real estate information; transaction details; documents, images, records, and communications; and other information you choose or are asked to provide. Where a feature requires it, identity information may include date of birth, government-issued identification information, taxpayer identification or Social Security number information, or similar identifiers.
Information From Platform Customers and Other Participants. We may receive information about you or your transaction from the broker, lender, or other Platform Customer with whom you are working, as well as from co-applicants, guarantors, owners, transaction participants, and other persons acting with appropriate authority.
Credit and Background Information. When requested, authorized, and legally permitted, we may receive, display, process, or transmit consumer credit reports, credit scores, credit attributes, or other consumer report information ("Credit Information"), as well as information from background screening or reporting providers or other data providers.
Information From Service Providers. We may receive information from third-party providers that support or participate in a requested transaction or service, such as lenders; property insurance companies, agencies, agents, or brokers; appraisers and appraisal management companies; title insurance companies, title agents, escrow, closing, or settlement providers; consumer reporting agencies and credit-data providers; background screening or reporting agencies; credit monitoring or credit repair providers; identity verification and fraud-prevention providers; and other providers involved in evaluating, processing, closing, servicing, or otherwise supporting a loan or real estate transaction.
Device and Usage Information. We and our service providers may automatically collect information about your device and use of the Services, such as browser type, device information, IP address, time zone, cookies and similar technologies, referring pages, pages viewed, interactions with the Services, session information, and diagnostic or security information.
Payment Information. If LoanManager.app offers a paid feature or enables you to purchase a fee-based third-party service and you choose to do so, payment and billing information may be collected or processed by Lending Automator or a third-party payment processor. We may receive transaction details such as the amount, date, status, and payment-method metadata, while the payment processor may handle full payment-card information.
We may use information to:
LoanManager.app is commonly accessed through a broker, lender, or other Platform Customer with whom you are working. Information you submit through the Services may be made available to that Platform Customer so it can communicate with you, evaluate and process the transaction, submit information to lenders or other providers, maintain records, and carry out its own legal, regulatory, operational, and business responsibilities. The Platform Customer is an independent organization and may separately collect, use, retain, and disclose your information under its own privacy policy, notices, agreements, and legal obligations. This Privacy Policy describes Lending Automator's practices and does not replace the privacy disclosures of your Platform Customer or another Third Party.
Certain Services may permit or facilitate a soft credit inquiry or other access to Credit Information through a consumer reporting agency or credit-data provider. Where separate authorization, certification, or consent is required, it will be obtained separately in connection with the applicable functionality; acceptance of this Privacy Policy or the general Terms of Use is not intended by itself to serve as authorization for a consumer report.
Credit Information obtained or displayed through LoanManager.app for lender-matching functionality is processed for the limited purpose of preliminary matching of an applicant and proposed transaction with potentially applicable lender programs. Lending Automator does not use that Credit Information to approve or deny credit or make underwriting decisions. A lender or other person may separately obtain or use a consumer report for a legally permissible purpose, subject to its own obligations and any separate authorization or notice required by law. Credit Information may be subject to additional restrictions imposed by the applicable consumer reporting agency or other provider.
We may disclose information as reasonably necessary for the transaction, functionality, product, report, quote, or service you or the applicable Platform Customer requests, directs, authorizes, or uses. Depending on the transaction, recipients may include:
We seek to disclose information that is reasonably relevant to the applicable requested or authorized functionality. Credit Information and other consumer report information are disclosed only as permitted by applicable law and applicable provider requirements. We may also disclose information when required or permitted by law, regulation, subpoena, court order, governmental request, or legal process; to investigate or prevent fraud, abuse, or security incidents; to protect rights, property, or safety; or in connection with a merger, financing, acquisition, reorganization, sale of assets, or similar corporate transaction, subject to applicable law.
Platform Customers and other third-party providers are independent from Lending Automator and may have their own terms, privacy notices, data-retention practices, consent requirements, eligibility rules, and fees. When you choose or authorize a third-party service, information transferred to that provider may be governed by the provider's privacy practices in addition to this Privacy Policy. We encourage you to review the privacy information presented by the Platform Customer and other providers involved in your transaction.
We may use the contact information you provide to send administrative, transactional, security, support, and application-related communications. The applicable Platform Customer may also communicate with you through the Services or using contact information you provide. Promotional or marketing communications from Lending Automator are sent only as permitted by applicable law and subject to available opt-out rights. Where separate consent is required for automated calls, text messages, electronic disclosures, or other communications, that consent will be obtained separately where applicable.
We retain information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide and support the Services and applicable transaction; maintain records for Platform Customers; comply with legal, regulatory, contractual, audit, fraud-prevention, security, and dispute-resolution requirements; and enforce agreements. Retention periods may vary based on the type of information, the status of the transaction, instructions or obligations applicable to the Platform Customer, provider requirements, and applicable law. Closing an account or requesting deletion does not necessarily require immediate deletion of information that must or may lawfully be retained.
We use reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, alteration, and disclosure. We also use service providers to support the security and operation of the Services. No security measure or method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security. You should protect your credentials, devices, and copies of transaction information.
If a security incident occurs, we will provide notices to affected persons, Platform Customers, regulators, or other parties as required by applicable law and the circumstances of the incident.
You may update or correct certain account information through the Services or by contacting the applicable Platform Customer or Lending Automator. You may opt out of promotional communications from Lending Automator by using the unsubscribe or opt-out instructions provided, but you may continue to receive non-promotional communications relating to your account, application, security, transaction, or requested Services. Choices concerning a Platform Customer's communications must generally be directed to that Platform Customer.
Depending on where you reside and applicable law, you may have rights concerning personal information, such as rights to request access, correction, deletion, portability, restriction, or other information about our processing. These rights are subject to legal exceptions and may differ by jurisdiction. A request to Lending Automator generally applies to information for which Lending Automator is responsible; we may direct you to the applicable Platform Customer when that organization is responsible for responding to a request or when it controls the relevant transaction record. To submit a request, contact legal@lendingautomator.com. We may need to verify your identity before fulfilling a request.
LoanManager.app is not intended for persons who are under the legal age of majority and are not legally able to enter into the applicable transaction. We do not knowingly offer accounts through LoanManager.app to children under 13. If you believe a child has provided personal information to us improperly, please contact us.
We and our service providers may use cookies and similar technologies to operate and secure the Services, remember preferences, understand usage and performance, and, where applicable, support analytics or marketing. Cookies may include strictly necessary cookies, functionality cookies, analytics/performance cookies, and, where used, advertising or targeting technologies.
You can manage cookies through browser settings and, where offered, cookie or privacy controls on the Site. Blocking certain cookies may cause parts of the Services to function improperly. Where applicable law requires consent before non-essential cookies or similar technologies are used, we will seek that consent through the applicable interface.
We may update this Privacy Policy from time to time. We will post the revised policy and update the date shown above. Where required by applicable law, we will provide additional notice of material changes.
If you have questions about this Privacy Policy or want to submit a privacy request, contact Lending Automator, Inc. at legal@lendingautomator.com or 66 Franklin Street, Norwich, CT 06360.