Privacy Policy
1. Introduction
This Privacy Policy (“Policy”) applies to Lendigo’s platform and governs the collection, use, sharing, and protection of personal information ("you", "your") in compliance with applicable U.S. laws.
2. Information We Collect
A. Information You Provide
- Contact & Identity: Name, email address, phone number, company name, address, date of birth, SSN/TIN (or equivalent).
- Application Details: Loan amounts, income, employment status, and other requested financial details.
- Account Data: Login credentials (username/password).
B. Automatically Collected Data
- Device and browser details, IP address, operating system.
- Cookies, usage metrics, pages visited, session activity.
- App-specific analytics and geolocation (if enabled).
C. Third-Party Sources
- Credit bureaus for scores, address updates, credit activity.
- Marketing partners and business services for lead validation or fraud prevention.
3. How We Use Your Information
- Process credit applications and assess eligibility.
- Share information with lender partners for credit decisions.
- Send notifications and updates (including SMS/email with consent).
- Detect and prevent fraud or misuse.
- Improve and personalize platform experience.
- Maintain compliance with laws (e.g., KYC, AML).
4. How We Share Data
- Lender Partners for review of financing applications.
- Service Providers assisting with marketing, hosting, analytics, and customer support.
- Affiliated Companies within Lendigo, as needed.
- Law Enforcement or Legal Requests, when mandated.
- Third Parties for Marketing (only with your explicit consent).
- Anonymized Data for research or reporting.
5. Cookies & Tracking Technologies
We use cookies and similar technologies for:
- Platform performance and analytics.
- Personalization of content and user experience.
- Delivery and performance of advertising.
You may disable cookies via your browser, though this may affect platform functionality.
6. California Privacy Rights
Under the CCPA, California residents may:
- Know what personal information is collected.
- Request deletion of their data, with exceptions.
- Opt out of sale or sharing of their information.
- Receive equal service even if exercising privacy rights.
7. Data Retention & Security
We retain PII to support account activity, legal compliance, and fraud prevention.
We enforce industry-standard protections (encryption, access controls, audits, SOC 2).
While we strive for security, no system is entirely risk-free.
8. Minors
We do not knowingly collect information from individuals under 18. If such data is identified, we will delete it promptly upon notice.
9. Communications & Marketing
By registering, you consent to receive SMS, email, and phone communications (service and marketing), even if on a Do-Not-Call list. You may opt out anytime via reply or contacting us at privacy@lendigo.com.
10. Your Rights & Choices
- Access or update: Log into your account or email us to amend personal data.
- Delete: Request removal of your data — except where legally necessary to retain.
- Marketing opt-out: Unsubscribe from promotional emails (standard footer link).
- Cookie control: Manage preferences via your browser.
11. Policy Updates
We reserve the right to modify this Policy. Changes are posted here with effective dates. Continued use means acceptance of changes.
12. Contact Information
Lendigo, LLC
Email: privacy@lendigo.com
Table: Data Categories and Sources
| Data Category |
Collected From |
Purpose |
| Identity & Contact |
You (account setup) |
Account management and communication |
| Application Details |
You (loan application) |
Loan processing and lender matching |
| Usage Data |
System logs, cookies, analytics |
Platform optimization and insights |
| Credit Information |
Credit bureaus & service partners |
Risk assessment and compliance |
| Transaction History |
Platform records |
Reporting and fraud prevention |