This privacy notice discloses the privacy practices for http://www.lendplus.com . This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following:
- What information we collect;
- With whom it is shared;
- How it can be corrected;
- How it is secured;
- How policy changes will be communicated; and
- How to address concerns over misuse of personal data.
We are strongly committed to your right to privacy and to keeping your personal and financial information secure. To earn your trust and confidence in our commitment, we are fully disclosing our privacy practices and providing independent, audited results of our policy on a quarterly basis. We encourage you to read our policy to understand what types of personally identifiable information we collect and how we use this information to process your requests for our customized products and services. Although our policy applies to all users of our site, please note that loan availability is limited to qualified individuals on U.S. properties.
What personally identifiable information we collect and how it is used:
We only collect the necessary personally identifiable information in order to respond to your requests for our customized products and services. Personally identifiable information includes, but is not limited to, first and last name, zip code, email address, phone number, and any other information that itself identifies or when tied to the above information, may identify you as a specific individual.
You will be requested to provide certain personally identifiable information on the following parts of our site:
We only collect the necessary general information in order to respond to your requests for our customized products and services.
When you visit our site, our systems log some basic and anonymous information about your computer for routine website maintenance, including:
- IP address (your computer’s unique signature)
- Operating system (e.g., Windows XP)
- Browser software (e.g., Microsoft Internet Explorer, Firefox)
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number provided on our website:
- See what data we have about you, if any.
- Change/correct any data we have about you.
- Have us delete any data we have about you.
- Express any concern you have about our use of your data.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (e.g, billing or customer service) are granted access to personally identifiable information. The computers/servers on which we store personally identifiable information are kept in a secure environment.
Do we share your information?
When you submit a loan application, the information provided is stored in our databases and processed only by our employees. An employee will contact you via telephone to confirm receipt of your online loan application and send you additional documents, via postal mail, to facilitate the funding of your loan. Our employees may also disclose certain information to our authorized agents to obtain the following services:
- Automated credit check reporting
- Loan underwriting
- Title searches
- Mortgage insurance
- Settlement company information
In some circumstances we may be required as part of the loan funding process to contact certain third parties, such as your employer or financial institution, to obtain independent verification of various loan related information. After our authorized agents receive your information, they may contact you directly.
We are required by federal and state banking regulations to collect certain information on the online loan application. In addition, we will disclose information collected to our authorized agents in order to independently verify and process your loan application. The use of credit report information obtained by us and our authorized credit reporting agencies is governed by the federal Fair Credit Reporting Act. We will also disclose the name of the lending institution to the consumer in the loan details section of the search for rates results page.
As certain aggregate information must be reported to state and federal regulatory agencies, we cannot process any requests to delete loan application information from our systems, regardless of whether the loan is funded.
Ongoing improvement and compliance:
By using our site, you consent to our collection and use of your information. Any changes to our policy will be reflected on this page so that you are always aware of the information we collect and how we use it.
Notification of Changes