1. Overview
Lendible Capital Financial Group, Inc. respects your privacy. This policy describes our practices for handling information collected through our website, applications, and services, in accordance with the Gramm-Leach-Bliley Act (GLBA), state privacy laws, and other applicable regulations.
2. Information we collect
We collect the following categories of information:
- Identification: name, address, phone, email, date of birth, Social Security number (when applying for credit).
- Business information: EIN, entity type, formation date, revenue, bank statements, and tax filings.
- Credit information: credit reports and scores from consumer and commercial credit bureaus.
- Usage data: pages visited, device information, IP address, and referral source.
3. How we use your information
We use your information to evaluate funding eligibility, match you with lender partners, communicate about applications, improve our services, comply with legal obligations, and prevent fraud.
5. Data retention
We retain your information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. Credit-related records are retained as required by federal and state law (typically 5–7 years).
6. Your rights
You may request to access, correct, or delete your personal information, opt out of certain communications, and request information about how your data has been shared. Submit requests to [email protected].
7. California residents (CCPA/CPRA)
California residents have additional rights under the CCPA and CPRA, including the right to know, the right to delete, the right to correct, and the right to opt out of the "sharing" of personal information for cross-context behavioral advertising. We do not sell your personal information.
8. Security
We use bank-grade encryption (TLS 1.3 in transit, AES-256 at rest), multi-factor authentication, role-based access controls, and continuous monitoring. Lendible is SOC 2 Type II audited annually.
9. Children's privacy
Our services are not directed to anyone under 18. We do not knowingly collect personal information from children.
10. International users
Our services are intended for U.S. residents and businesses. If you access our services from outside the U.S., your information will be transferred to and processed in the United States.
11. Updates
We may update this policy. Material changes will be communicated by email or through a website notice at least 30 days before they take effect.
12. Contact
For privacy questions, email [email protected] or write to Lendible Capital Financial Group, Inc., Attn: Privacy Officer, 1450 Brickell Ave, Suite 1900, Miami, FL 33131.