Lending Automator, Inc. ("Lending Automator," "we," "our," or "us") is committed to protecting the privacy of our users. This Privacy Policy explains how we collect, use, and disclose information about you when you use our website (the "Site") or any of our services (the "Services").
We collect information that you or other users provide through the Site and Services. Depending on how the Services are used, this may include account and contact information; information about applicants, borrowers, guarantors, lenders, brokers, and other transaction participants; loan application and transaction information; property information; financial information; documents and communications uploaded to or generated through the Services; and other information provided in connection with a loan or real estate transaction.
When particular features are requested or used, we may also collect, receive, process, or transmit consumer credit reports, credit scores, credit attributes, or other consumer report information (collectively, "Credit Information"); information received from background screening or reporting providers; and information received from or provided to other third-party service providers. We may collect billing and payment-related information in connection with subscriptions, recurring payments, Service Credit purchases, and other charges. Payment information may be collected or processed by third-party payment processors.
We also automatically collect certain information about your device and use of the Site and Services, including information about your web browser, IP address, time zone, cookies and similar technologies, page response times, length of visits, page interaction information, referring websites or search terms, and information about how you interact with the Site and Services.
We use information we collect to provide, operate, maintain, secure, and improve the Site and Services; administer accounts, subscriptions, recurring billing, Service Credits, and payments; process and manage loan applications and related workflows; facilitate preliminary lender-program matching and quote requests; provide requested reports, documents, communications, and other platform functionality; facilitate products or services requested from third-party providers; communicate with users and applicants; personalize the user experience; prevent fraud, misuse, and security incidents; provide information or advertising relating to our products or services; comply with applicable laws, legal process, and contractual requirements; and enforce our agreements and protect our rights and the rights of others.
Certain features may permit or facilitate a soft credit inquiry or access to Credit Information through third-party consumer reporting agencies or credit-data providers. Lending Automator processes Credit Information solely to provide the requested platform functionality, including preliminary matching of applicants and proposed transactions with potentially applicable lender programs. Lending Automator does not use Credit Information to approve or deny credit or to make underwriting or other credit decisions. Access to and use of Credit Information is subject to our Terms of Use, applicable law, and any requirements of the applicable consumer reporting agency or provider.
We may contact you to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, to send updates about our company, or as otherwise necessary to contact you to enforce our User Agreement, applicable national laws, and any agreement we may have with you. For these purposes we may contact you via email, telephone, text messages, and postal mail.
We may disclose information to third parties as reasonably necessary to operate, support, secure, maintain, or provide functionality through the Site and Services, or when a user or applicant requests, directs, authorizes, or uses functionality involving a third party. The categories of recipients may include: (i) hosting, cloud-storage, security, analytics, communications, customer-support, document-management, electronic-signature, identity-verification, fraud-prevention, and payment-processing providers; (ii) lenders, brokers, and other participants in a loan transaction; (iii) consumer reporting agencies, credit-data providers, background screening or reporting agencies, and credit monitoring or credit repair providers; (iv) property insurance companies, agencies, agents, or brokers; (v) appraisers and appraisal management companies; (vi) title insurance companies, title agents, escrow, closing, or settlement providers; and (vii) other providers involved in evaluating, processing, closing, servicing, or otherwise supporting a loan or real estate transaction.
We may share contact information, application information, loan and property information, documents, transaction information, and other information reasonably necessary to provide the requested product, service, report, quote, or platform functionality. Where consent, authorization, or another legal basis is required, information will be disclosed subject to those requirements. Credit Information and other consumer report information will be disclosed only as permitted by applicable law and applicable provider requirements. We may also disclose information when required or permitted by law, regulation, legal process, or governmental request, or when reasonably necessary to protect the rights, property, security, or interests of Lending Automator, our users, applicants, or others.
We may use or disclose aggregated or de-identified information for analytics, research, product development, service improvement, and other lawful business purposes where the information does not reasonably identify you, an applicant, or a client.
Third-party providers made available through or connected to the Services are independent parties and may have their own terms, privacy notices, eligibility requirements, and information-handling practices. When information is provided to a third party at your or an applicant's request or as part of requested functionality, that third party's subsequent handling of the information may be governed by its own privacy notice and applicable law. Lending Automator does not control independent third parties except to the extent of our contractual rights and obligations or as required by law.
We may use account, billing, and payment-related information to process subscription charges and other fees, administer recurring billing and automatic renewals, process purchases and use of Service Credits, address failed or disputed payments, and maintain transaction records. Payment card and related payment information may be collected or processed by third-party payment processors, which may apply their own privacy and security practices to that information.
We retain personal information for as long as reasonably necessary to provide the Services, maintain an active account or customer relationship, comply with legal and contractual obligations, resolve disputes, prevent fraud or misuse, and enforce our agreements. Consistent with our Terms of Use, client data is generally retained while the customer remains a paying customer and thereafter for a period not to exceed ninety (90) days, unless a longer period is necessary to provide the Services, comply with legal obligations, resolve disputes, or enforce agreements. Certain Credit Information or other third-party data may be subject to additional retention or deletion requirements imposed by applicable law or provider agreements.
We implement and maintain reasonable administrative, technical, and physical safeguards intended to protect the confidentiality, integrity, and availability of information processed through the Site and Services. Access to sensitive information is intended to be limited to authorized users, personnel, and service providers with a legitimate need for access. No method of transmission, storage, or security is completely secure, and we cannot guarantee that unauthorized access, disclosure, loss, or misuse will never occur. Payment processors and payment gateways may be subject to applicable payment-card security standards, including PCI-DSS.
You may update or correct your account information by contacting us. You may also opt out of receiving promotional communications from us by following the instructions in those communications.
Depending on where you reside and subject to applicable law, you may have rights with respect to certain personal information, which may include rights to request access to, correction of, deletion of, or a copy of certain information, and to exercise other privacy choices provided by applicable law. These rights may be subject to legal exceptions and verification requirements. To submit a privacy request, contact us using the information below.
Our services are not intended for children under the age of 13, and we do not knowingly collect personal information from children under the age of 13.
This Cookie Policy explains how Lending Automator, Inc. uses cookies and similar technologies when you visit our website.
Cookies are small files stored on your device (computer or mobile device) when you visit certain websites. They are widely used to make websites work more efficiently and to provide information to website owners.
By using the Site and Services, you agree to Lending Automator's use of any and all cookies. If you'd like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser. Please note, however, that if you delete cookies or refuse to accept them, you might not be able to use all of the features we offer, you may not be able to store your preferences, and some of our pages might not display properly.
We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon posting the revised Privacy Policy on the Site. If we make material changes to this policy, we will notify you here that it has been updated.
If you have any questions about this Privacy Policy, please contact us at legal@lendingautomator.com or by mail at 66 Franklin Street, Norwich, CT 06360.