Privacy Policy

Last updated: September 29, 2026

1. Introduction

LendPoint.org ("we," "us," or "our") respects your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our loan application services. By using our site, you consent to the practices described here.

2. Information We Collect

Information you provide directly

• Identity information: name, date of birth, Social Security number (when required for verification), government ID details.
• Contact information: email address, phone number, mailing address, ZIP code.
• Financial information: income, employment details, pay frequency, bank account type and account information needed for funding and repayment.
• Application information: requested loan amount, term, purpose, and state of residence.
• Communications: messages you send us through forms, email, or phone.

Information collected automatically

• Device and browser type, operating system, IP address, and approximate location.
• Pages visited, time spent, links clicked, and referring websites (via cookies and analytics tools).

3. How We Use Your Information

• To process and evaluate your loan application and verify your identity and income.
• To fund approved loans, collect repayments, and service your account.
• To comply with legal obligations, including fraud prevention, anti-money-laundering, and state lending regulations.
• To communicate with you about your application, account, and — with your consent — offers and updates.
• To improve our website, services, and customer experience.

4. How We Share Your Information

We do not sell your personal information. We share it only as necessary:

• Lending partners & service providers: banks, payment processors, identity-verification and credit-reporting agencies needed to process your application.
• Legal & regulatory: when required by law, court order, or to protect our rights and prevent fraud.
• Business transfers: in connection with a merger, acquisition, or sale of assets, with appropriate confidentiality protections.

5. Credit Inquiries

Checking your eligibility through our initial application involves a soft inquiry that does not affect your credit score. If you proceed with a loan, we or our lending partners may perform a hard credit inquiry as permitted by law and disclosed in your loan agreement.

6. Cookies & Tracking

We use essential cookies (required for the site to function), preference cookies (to remember your choices, such as cookie consent), and analytics cookies (to understand aggregate site usage). You can control cookies through your browser settings; disabling them may limit some site features. Our cookie banner lets you accept or decline non-essential cookies.

7. Data Security

We protect your information with 256-bit SSL encryption in transit, encrypted storage, strict access controls, and regular security reviews. No method of transmission over the internet is 100% secure, but we follow industry best practices to safeguard your data.

8. Data Retention

We retain your information for as long as needed to provide services, comply with legal and regulatory record-keeping requirements (generally up to 7 years for lending records), resolve disputes, and enforce our agreements.

9. Your Rights

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you.
• Request correction or deletion of your information (subject to legal retention requirements).
• Opt out of marketing communications at any time via the unsubscribe link or by contacting us.
• Request information about categories of data shared for business purposes (California residents, see below).

To exercise these rights, email privacy@lendpoint.org or call 1-800-555-0142. We will verify your identity before fulfilling requests.

10. California Privacy Rights (CCPA/CPRA)

California residents have the right to know what personal information is collected, request deletion, correct inaccurate information, and opt out of the "sale" or "sharing" of personal information. We do not sell personal information as defined by California law. To submit a request, contact us using the details above.

11. Children's Privacy

Our services are not directed to anyone under 18, and we do not knowingly collect information from children. If we learn we have collected such information, we will delete it promptly.

12. Third-Party Links

Our site may link to third-party websites. We are not responsible for their privacy practices; please review their policies before providing information.

13. Changes to This Policy

We may update this policy from time to time. Material changes will be posted on this page with a revised "Last updated" date. Continued use of the site after changes constitutes acceptance.

14. Contact Us

For privacy questions or requests:
Email: privacy@lendpoint.org
Phone: 1-800-555-0142
Mail: LendPoint.org, Attn: Privacy Office, 1000 Financial Plaza, Suite 400, Austin, TX 78701