LENDIOM PRIVACY POLICY

Definitions

Any capitalized words not defined in this Privacy Policy shall have the meaning ascribed to them in the Terms of Use.

Our Privacy P​olicy and Terms of Use form the Agreement with each User and sets out the basis on which any personal data We collect from them, or that they provide to Us, will be utilized by U​s. Any Content or data We collect will only be used in accordance with this P​rivacy Policy and the Terms of Use. Please read the following carefully to understand O​ur views and practices regarding Content, Information, and data and how it​ will be treated.

Through the use of Our ​Website and Our Software each User agrees to the terms provided in Our​ Privacy Policy regarding the use of their personal Content, Information, and data that We collect by their visiting Our Website​ and using Our Services.

Communications From Us

To improve Our Services, We may ask Users to complete surveys that We use for research purposes, although Users do not have to respond to them. We may periodically send Users information regarding Our Website, updates, promotional emails, special offers, or other information which We think Users may find interesting. In such cases We will use the email address You provided to Us and which You agree We may send emails to for such purposes. We will also use Your Information and PII to respond to requests You may make of Us. We may also refer to Your Information to better understand Your needs and how We can improve Our Website. You may opt-out of receiving promotional materials by following the opt-out instructions contained in the materials or by emailing Company at support@lendiom.com

Information We May Collect From Users

Each User agrees that by entering their Information via Our Website or otherwise providing their Information to Us, We may collect the following information about them and use it in providing the Services associated with Our Website:  Name, contact information, including email address, phone number, age, gender, IP (Internet Protocol) address, Your User handle or User name, geographic location, geo positional data, information supplied during the processing of registering with Us, data usage trends, data showing the effectiveness of promotional campaigns, browser information, demographic information, browsing preferences, browsing data, the type of device being used, Website usage information, information regarding any urls used with Our Website, data regarding use of Our Website, other information relevant to surveys and/or offers, and any other information We are legally allowed to collect or is required for Us to collect to have appropriate operations on Our Website. Additionally, We will have access to Your owner financed contracts, mortgage payment information, mortgagor and mortgagee information, payment history and data, as well as financial and other Information you input into Our Website and software system. This information will also include any information or data You enter about other people such as your customers, clients, leases, mortgagors, payees, or any other third parties. We require this information to provide Users with better Services. ​As further stated below in this Privacy Policy, We shall not be liable for and You agree to indemnify Us from all such claims by third parties related to Your misuse of such third party information and You represent and acknowledge that You have the express written consent to use the information provided by those third parties to facilitate transactions with them.  

Automatically Collected Information 

Whenever You interact with Our Website, We automatically receive and record information on Our server logs from Your browser or device, which may include Your IP address, geolocation data, device identification, “cookie” information, the type of browser and/or device You are using to access Our Website, and the page or feature You requested. “Cookies” are identifiers We transfer to Your browser or device that allow Us to recognize Your browser or device and tell Us how and when pages and features on Our Website are visited and by how many people. Cookies and similar tracking technologies, such as beacons, scripts, web beacons and tags (which together We refer to as “cookies”), are small bits of text, usually stored on a User's computer hard drive or within a browser. They enable Our Website to remember information about the User's visit to Our Website. On mobile websites and mobile applications, We use device IDs and / or Advertising IDs in a similar manner to which We use cookies. You can find more information about cookies at: www.allaboutcookies.org or www.youronlinechoices.eu.

The types of cookies We may use include but are not limited to:

• Session Cookies. These are cookies which expire once You close Your web browser.

• Persistent Cookies. These are cookies which stay on Your desktop or mobile device for a specific period of time or until You delete them from Your device.

• First-party cookies. These are cookies that are set by Our Website when You visit, or by a third party at Our request.

• Third-party cookies. These are cookies that are set by a third-party other than that of the website You are visiting. If You visit Our Website and another party sets a cookie through that website this would be considered a third-party cookie.

• Essential cookies are sometimes called “strictly necessary” because without the use of this type of cookie We cannot provide many of the services that You need to use Our Website. They are usually only set in response to actions made by You related to a request for Services or to use various features on Our Website. For example, essential cookies help remember Your preferences, such as setting Your privacy preference or logging in, as You move around Our Website and use its features.

• Analytical cookies are as the name implies used to analyze and track information about Your Website visits so We can review performance and use that information to better improve Our Website, its features, Services, and Content. The information these cookies collect is aggregated and therefore anonymous.

• Functionality or preference cookies let us operate various features on Our Website according to Your preferences. These cookies help us to provide You with Our Services based on information You provide to Us, such as Your username, Your preferred language choice, and how You have customized Our Website features. These preferences are recalled and the next time You visit Our Website You won’t have to set them again. They may be set by Us or by third party providers whose services We have added to Our pages and they help the Website functional properly according to Your preferences.

• Targeting or marketing cookies are cookies that are placed by third-party advertising platforms or networks in order to deliver ads and track ad performance, enabling advertising networks to deliver ads that may be relevant to You based upon Your activities. This is known as behavioral, tracking, or targeted advertising on a social media platform or website. The information is then used to show You advertisements that You may be interested when You visit other websites or social media platforms. For example, these cookies remember which browsers have visited the website. If You do not allow these cookies You will still see basic advertising on Your browser but that advertising will be general in nature and not specific to Your interests.

You may be able to change the preferences on Your browser or device to prevent or limit Your device’s acceptance of cookies, but this may prevent You from taking advantage of some of Our features. Please refer to Your devices settings to make those changes.

We may receive confirmation when You open an email from Us. This confirmation helps us make Our communications with You more interesting and improve Our Website, features, Content, and Services.

We may use this data to customize Content for You that We think You might like, based on Your usage patterns. We may also use it to improve the Website – for example, this data can tell Us how often Users view particular Content or use a particular feature or Service offered though Our Website, and We can use that knowledge to make improvements.

Your Choices

You have the following choices regarding Your personal information:

Access and Update: You may access and update Your personal information by contacting Us at support@lendiom.com.

Opt-Out: You can opt out of receiving SMS or email communications from Us at any time by following the instructions provided in those messages.

Use of Cookies

Our Website uses cookies. A cookie is a small file which asks permission to be placed on a computer's hard drive. Once someone has accepted the cookie, the file is added and the cookie helps analyze web traffic and browsing habits, such as what areas of Our Website are visited most frequently. At times We may gather information through the use of a cookie file which enables Us to gather statistical information regarding the use of Our Website. This helps Us to improve not only Our Website, but the Services We can provide to Users. We may use analytical software to track User habits and trends. 

Users do have the choice to decline cookies. Most web browsers automatically accept cookies, but people can usually modify their browser setting to decline cookies if they prefer. Should You choose to decline cookies You may be unable to access certain information or parts of Our Website, and some or all of the Services may not work properly. Our advertisers and promoters may also use cookies, over which We have no control.

We may use cookies to help You personalize Your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to Your computer. Cookies are uniquely assigned to You and can only be read by a web server in the domain that issued the cookie to You.

One of the primary purposes of cookies is to provide a convenience feature to save You time. The purpose of a cookie is to tell the web server that You have returned to a specific page. For example, if You register with Our Website, a cookie helps Us recall Your specific information on subsequent visits. This simplifies the process of recording Your personal information, such as billing addresses, preferences, and so on. When You return to Our Website, the information You previously provided can be retrieved, so You can easily use the Website features that You may have customized.

We may also collect anonymous and aggregate information from You about Your preferences in navigating the Website by using cookies, action tags and other methods. Cookies are small text files that identify Your computer. We may use cookies to, among other things, monitor usage of the Website, customize features of the Website, identify Your computer operating system and browser, and complete transactions. An action tag is a small, graphic image on a webpage that is designed to allow the website owner or a third party to monitor who is visiting a website by collecting the IP address of the computer to which the tag is sent, the URL of the webpage that the tag comes from and the time at which such webpage was viewed. Action tags may be associated with cookie information. We may also use such anonymous and aggregate information for promotional and other business purposes.

Much of the information We obtain is from Your device and includes, but is not limited to:

• Device operations: information about the activities performed on Your device, such as windows open while using Our Website, or mouse movements.

• Device attributes: information such as the operating system Your device uses, hardware and software versions, battery level, signal strength, available storage space, browser type, application and file names and types, and device plugins.

• Identifiers: unique identifiers, device IDs, and other identifiers, that may be available from games, apps or accounts You use, and family device IDs (or other identifiers unique to Our products and services associated with the same device or account).

• Device signals: Bluetooth signals, and information about nearby Wi-Fi access points, beacons, and cell towers.

• Data from device settings: information You allow us to receive through Your device settings that You turn on, such as access to Your global positioning system (“GPS”) location, camera or photos. If You decide not to turn on Your GPS location function in Your device You will very likely not be able to use any or all the features in Our Website since Our Website relies heavily on GPS. 

• Network and connections: information such as the name of your mobile operator or ISP, language, time zone, mobile phone number, IP address, connection speed and, in some cases, information about other devices that are nearby or that operate on Your network.

• Cookie data: data from cookies stored on Your device, including cookie IDs and settings.

• Server Logs: We are having database logs for each query which is firing through front end or mobile application along with exception logs.

• Cookies: We may store a User’s basic information like name, email address, role, mobile number inside cookies along with a secured user token.

• Tracking Tools: We may use Facebook pixel tracking, google tag manager, and other required tracking tools to track a User’s journey in Our Website application.

IP Address

An IP (Internet protocol) Address is automatically assigned to the computer that someone is using by their Internet Service Provider (ISP) and is identified and logged automatically in Our server log files whenever someone visits Our Website or uses Our Services. This also allows Us to identify the time(s) of visit(s) and the page(s) of Our Website that have been visited. Our collecting IP Addresses is considered a standard practice on the Internet and is done by many third party sites.

Location Information

We may also obtain information about a User’s physical location, such as by use of a global positioning system (“GPS”) and other geolocation features in Your computer, laptop, or mobile device, or from other information We collect. For example, a User’s IP Address indicates the general geographic region from which they are connecting to the Internet.

Heat Map and Tracking Software

We may use various types of website tracking software (“Tracking Software”) to track mouse movement, scrolling, and clicks on Our Website in order to better understand Our Users’ needs and to optimize the use of Our Services. The most common form of Tracking Software is referred to as a “heat map” and the forms of heat maps include scroll maps, click maps, and movement maps. Heat maps are graphical representations of data where values are depicted by color. You specifically agree to Our use of Tracking Software and heat maps.

Our Tracking Software may capture screen shots of Users’ mouse movements, scrolling, and clicking habits which helps Us understand what Users want, care about, and do on Our Website by visually representing their clicks, taps and scrolling behavior. Some of the reasons why We use heat map software are as follows: to see if Users are reaching important Content or failing to see it, to find and use a page’s main links, buttons, opt-ins, and CTAs, to see if Users are getting distracted by non-clickable elements, and to compare usage against mobile, tablet and desktop devices.

We use Tracking Software to help Us better understand Our Users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what Users do and don’t like, etc.) and this enables Us to build and maintain Our Services with User feedback. This Traffic Software uses cookies and other technologies to collect data on Our Users’ behavior and their devices. This includes a device's IP address (processed during Your Website visit or use of Our Services and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display Our Website. This Tracking Software stores this information on Our behalf in a pseudonymized User profile.

Website Analytics

We use multiple web analytics tools provided by service partners such as Google Analytics to collect information about how You interact with Our Website and software, including what pages You visit, what site You visited prior to visiting Our Website, how much time You spend on each page, what operating system and web browser You use and network and IP information. We use the information provided by these tools to improve Our Services. These tools place persistent cookies in Your browser to identify You as a unique user the next time You visit Our Website or use Our Services. Each cookie cannot be used by anyone other than the service provider (example: Google for Google Analytics). The information collected from the cookie may be transmitted to and stored by these service partners on servers in a country other than the country in which You reside. The information collected is used and shared by these service providers in accordance with their individual privacy policies. You can control the technologies We use by utilizing settings in Your browser or third-party tools.

Do Not Track Signals and GPC

Please note that Your browser setting may allow You to automatically transmit a “Do Not Track” signal to websites and online services You visit. We do not generally alter Our practices when We receive a “Do Not Track” signal from a visitor’s browser. To find out more about “Do Not Track,” please visit http://www.allaboutdnt.com. Global Privacy Control (GPC) is a technical specification that You can use to inform websites of Your privacy preferences regarding ad trackers. If You do choose to set up GPC, it may impact the functionality of Your use of Our Website and Service, but We honor the GPC signal automatically in your cookie preferences.

Targeted Advertisements

Targeted ads or interest-based offers may be presented to You based on Your activities on Our Website, Our Website, other third party sites, and based on the products You currently own.  These offers will display as varying product banners presented to You. We also partner with third parties to manage Our advertising on Our Website and third party sites.  Our third party partners may use technologies such as cookies to gather information about such activities in order to provide You with advertising based upon Your browsing activities and interests, and to measure advertising effectiveness.  If You are in the US or Canada and wish to opt out of interest-based advertising visit https://preferences-mgr.truste.com  If You are located in the European Union visit www.youronlinechoices.eu. Please note You will continue to receive generic ads.

What We Do With the Information We Gather

Each User agrees that We may use the information We gather as follows: In order to process a User’s purchase of Services, We must share certain personal information every time a User signs up for Our Services. Such information may include the User’s e-mail address, physical address, phone number, and credit card information. Our service representatives may use Your telephone number or e-mail address to notify You of the status of Your account as necessary and appropriate. We may share User information with vendors, business clients, and other third-party providers who are performing services for Us. We may also use User information for internal record keeping and data analysis. For Our statistical purposes, We gather details of User visits to Our Website and the information that Users access, including, but not limited to, traffic data, location data, browser usage, page visits, weblogs, and other communication data. When Users contact Us, We may keep a record of that correspondence. We also use Users Information to ensure that Content from Our Website is presented in the most effective manner for computer or mobile devices.

We reserve the right to share Your Information in response to duly authorized information requests of governmental authorities or where required by law. We may also disclose Your Information if necessary for fraud protection and credit risk reduction purposes, or in the good-faith belief that such action is necessary to protect and defend the rights or property of the Company or the Users of Our Website or to act under urgent circumstances to protect the safety of the Company, its employees, other Users of Our Website, Our service providers, advertisers, or members of the public.

From time to time, personal financial information (including credit card information) may be transmitted to facilitate transactions with Us between Users who are purchasing Our Services. We will not share such personal financial information with third parties other than those third parties such as banks, processing gateways and merchant processors required to process a User’s purchase, and Users understand that We cannot control how the banks, processing gateways or merchant processors will use such personal financial information. Therefore, Users using this Website and the Services hereby consent to such sharing of personal financial information. Each User agrees to assume the risk and agrees that it is their responsibility to properly handle, secure, not store and destroy such personal financial information as may be necessary to protect it from misuse. You agree that We shall not be liable to Users or any third party for misuse of such Content or personal financial information.

We may disclose information We collect from Users to an affiliate or other third party in the event of any merger, sale, joint venture, assignment, reorganization, liquidation, transfer or other disposition of all or any portion of Our business, assets, or stock.

We may use third-party advertising companies to serve ads when Users visit Our Website. These third-party advertising companies may use advertising technologies such as cookies, web beacons and other similar advertising technologies. These companies may use aggregated information about Your visits to Our Website, third party sites, and use of Our Services and in order to provide advertisements and promotions about Our Services that We believe Users may find of interest.

We may also release Users information when We believe release is appropriate to comply with the law, enforce Our Website policies and Terms of Use, or protect Ours or other’s rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for data analysis, improving Our Services, marketing, promotional, advertising, or other uses.

From time to time, Your personally identifiable information (“PII”) and business financial information (“Financial Information”) (including, but not limited to, banking information, credit card information, payment facilitator details, or other financial information) may be transmitted to facilitate transactions between You and Us. We will never share such Financial Information with third parties other than those third parties such as payment facilitators, banks, processing gateways, financial intermediaries, and merchant processors required to process and facilitate the sending and receiving of payments, and You understand that We cannot control how these third parties will use such Financial Information to perform their services to facilitate payments. Therefore, You hereby consent to such sharing of Financial Information. You agree to assume the risk and agree that it is Your responsibility to properly handle, secure, not store and destroy such Financial Information as may be necessary to protect it from misuse. You hereby consent to such sharing of Financial Information and hold Us harmless and indemnify Us from any claims, breaches, loss, or damage resulting from the use of those payment facilitators, banks, processing gateways, financial intermediaries, and merchant processors We use. You agree We shall not be liable to You or any third party for misuse of such Financial Information.

Under What Other Circumstances May We release PII?

In addition to sharing Your PII with third parties as described above, We may also release Your PII to other third parties if We believe that such release is necessary (a) to comply with the law (e.g., a legal process or a statutory authorization or requirement) or a court order, (b) in order to apply or enforce the Terms of Use, (c) to protect You, other Website Users, or Us from fraudulent, abusive, or unlawful use of the Website, or (d) if We reasonably believe that a danger to any person or property requires the disclosure of such PII or otherwise if We believe such a disclosure is needed to protect Our interests (as determined by Us in Our sole discretion).

Our rights under this Privacy Policy may be automatically assigned by Us, in Our sole discretion, to a third party or parties, and such an assignment will inure to the benefit of Our successors, assigns and/or licensees. Without limitation of the foregoing, We may sell, transfer or otherwise share some or all of Our assets, including without limitation Your PII, with any company under Our common control, joint venture, as well as to a potential acquirer and/or an acquirer (including without limitation in connection with a merger, reorganization, or sale of assets or stock, or in the event of bankruptcy). In each such instance, the PII We have collected from You may be one of the assets transferred in connection with such a transaction.

What We Don’t do with the Information We Gather:​

We will not disclose, sell, distribute, rent, lease or use any of a User’s data, PII, or Financial Information, or the data, PII, or Financial Information of the User’s customers, clients, leasees, payees, mortgagors, or other third parties, or pass on any such data, PII, or Financial Information to third parties, which are not Our officers, directors, members, managing members, employees, business partners, affiliates, strategic partners, licensors, licensees, independent contractors, third party service providers, agents or representatives, unless We have Your permission or are required by law to do so.

We do not store Your credit card information. The credit card information and actual processing does not take place on and is not stored on Our servers. The transaction is processed on the servers of the particular credit card processor We use to process the transaction.

Notice for Residents of Certain Other States

The Virginia Consumer Data Protection Act (“VCDPA”), Colorado Privacy Act (CPA), and Connecticut Data Privacy Act (CTDPA) [and Utah Consumer Privacy Act (UCPA)] (“Applicable State Law”) provide residents of those states with certain rights, including the following:

Your Right to Confirm and Access: You have the right to confirm whether We are processing PII about You and access the PII We process about You.

Your Right to Portability: You have to right to obtain a copy of the PII We maintain and process about You in a portable and, to the extent technically feasible, readily-usable format.

Your Right to Delete: You have the right to request that We delete the PII We maintain or process about You.

Your Right to Correct: You have the right to request that We correct inaccuracies in the PII We maintain or process about You, taking into consideration the nature and purpose of such processing.

Your Rights to Opt-Out: You have the right to opt-out of certain types of processing of PII, including:

• Opt-Out of the “sale” of PII as defined by Applicable State Law;

• Opt-Out of targeted advertising by Us;

• Opt-Out of automated profiling for the purposes of making decisions that produce legal or similarly significant effects.

Please note, as explained above, We do not “sell” PII as that word is traditionally defined. However, We do share PII with third parties to provide You with personalized advertising from Us and to better understand how You interact with Our Website and Services. Through the use of cookies, We may also make available certain PII to third parties for targeted advertising. You may opt-out from such targeted advertising under Applicable State Law by contacting Us at support@lendiom.com.

Online eCommerce Platform

We may use an online e-commerce platform that allows Us to provide the Services to You.  Your information, including personal information, may be transmitted through, and stored on third-party servers.  By using Our Services, You consent to Our collection, disclosure, storage, and use of Your personal information in accordance with this Privacy Policy and Our Terms of Service.    

Social Media, Posts, Texts, Forums and Profiles 

Each User agrees that We may make available through Our Website, third party sites, Our Website, or the Services certain forms of media either now existing or to be created in the future (for example, social media, message boards, applications, metaverses, augmented reality social networks, chat functionality, videos, pictures, images, profile pages, text messaging and blogs) to which Users may be able to post Content. Please note that any Content, We, rss providers, outside third parties, or Users provide on these various forms of media may become public, and may be available to visitors to Our Website, third party sites, Our Services, and to the general public, including without limitation the ratings and reviews that accompany any pages on Our Website or third party sites. We urge Users to exercise discretion and good manners when disclosing any of their personal or financial information. 

EACH USER AND CUSTOMER AGREES THAT WE SHALL NOT BE RESPONSIBLE FOR ANY LOSS CAUSED BY OUR USE OR THE USE BY ANY UNAUTHORIZED PERSON OR ENTITY, OF ANY CONTENT THAT USERS DISCLOSE THROUGH OUR WEBSITE, THIRD PARTY SITES, OR THE USE OF OUR SERVICES.   

California Online Privacy Protection Act Compliance

As part of the California Online Privacy Protection Act, all users of Our Website may make any changes to their information at any time by logging into their account and changing their information. We will not distribute their personal information to outside parties without their consent.

Children Online Privacy

Anyone under 18 years of age should not access Our Website and should not use Our Services. Our Website and Services are not intended for those under 18, and We will not knowingly collect any information from anyone under the age of 18. If We discover that We have collected any personally-identifying information from a child or person under the age of 18, We will promptly remove that information from Our database.

Security Not Guaranteed

We use reasonable organizational, technical, and administrative measures to protect each User’s personal information under Our control. However, We cannot guarantee 100% percent protection and security of such personal information.  Please do not email or text Us credit card information and/or other sensitive personal or financial information. 

Security

We are committed to ensuring that PII is secure. All non-financial information and Content provided to Us is stored on Our secure servers. In order to prevent unauthorized access or disclosure, We have taken all reasonable steps and put in place suitable safeguards to secure the information We collect from Users online. 

Unfortunately, the transmission of information via the internet is not completely secure. Although We will use Our reasonable best efforts to protect each User’s personal data, We cannot guarantee the security of their data transmitted to Our Website; any transmission is at the risk of each User. Once We have received PII, We will use the necessary procedures and security features to try to prevent unauthorized access. We will take all reasonable steps necessary to ensure that PII and data is treated securely and in accordance with this P​rivacy P​olicy.

Contact Us

Please email Us at support@lendiom.com if You would like to access Your personal information, request that Your personal information be removed from Our data base, or to have Your information updated, changed or modified.

Links to Third Party Sites

Our Website may contain links to other third party sites. However, once Users have used these links to leave Our Website, they should note that We do not have any control over the third party site being visited. Therefore, We cannot be responsible or liable for the protection and privacy of any information provided or which is obtainable when visiting those third party sites which are not governed by this Privacy Policy or Our Terms of Use. To the extent that You access or use the Service through or on another third party site or application, then the privacy policy of that third party site or application will apply to Your access or use of that site or application. We encourage Our Users to read the privacy statements of other third party sites or applications before proceeding to use them. 

Access to and Control Over Information We Send Users

From time to time We may send Users emails about special offers, discounts, products, or additional Services available through Our Website. Users can opt out of receiving Our emails by clicking the unsubscribe button in the email. Before collecting Your data, PII, or Financial Information, We will obtain Your explicit consent through an opt-in mechanism. By providing Your personal information, You are expressly consenting to the collection and processing of that data, PII, or Financial Information  for the purposes outlined in this Privacy Policy.