Opt Out of Data Sharing

You can exercise your rights by contacting us at [email protected], by contacting our Customer Experience team at (855) 853-6346, or by filling out the form below so that we may consider your request.

California Privacy Notice

The information contained in this section applies solely to those individuals who reside in the State of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 and California Privacy Rights Act of 2020 (together, the “CCPA”) and any terms defined in the CCPA have the same meaning when used in this Policy.

Effective January 1, 2020, pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), California residents have certain rights in relation to their personal information, subject to limited exceptions. Any terms defined in the CCPA have the same meaning when used in this California Privacy Notice.

1 Personal information we collect

Lendio may collect, or has collected, the following categories of personal information from California residents within the last twelve (12) months:

Please note that because of the overlapping nature of certain of the categories of personal information identified above, which are required by state law, some of the personal information we collect may be reasonably classified under multiple categories.

Sensitive personal information. Certain of the personal information that we collect, as described above, may constitute “sensitive personal information” under California law, including:

• Social security, driver’s license, state identification card, and/or passport number
• Account log-in combined with any required security or access codes, passwords, or other credentials allowing access to an account
• Precise geolocation
• Racial and/or ethnic origin
• Personal information concerning sex life or sexual orientation

The specific types of personal information we collect are further detailed in Section 1 of this Privacy Policy. Personal information does not include information excluded from the CCPA’s scope.

Lendio will not retain any information we collect form you for longer than is reasonably necessary for the disclosed purpose of using such information. Our determination of precise retention periods will be based on (i) the length of time we have an ongoing relationship with you; (ii) whether there is a legal obligation to which we are subject; and (iii) whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).

2 Uses of personal information

Lendio may collect, use, or disclose personal information about California residents for purposes listed in Section 3 of this Privacy Policy.

The sensitive personal information that we collect as described in Section 10.1 above may be used for any of these purposes.

3 Sources of personal information

Lendio may collect personal information about California residents from the categories of sources listed in Sections 1.3 and 2 of this Privacy Policy.

4 Disclosure of personal information

We may disclose your personal information to the categories of service providers and third parties identified in Section 4 of this Privacy Policy, and in ways that are described in that section.

This includes disclosure of your personal information to service providers for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not to use it for any purpose except performing the contract. In the preceding twelve (12) months, we have disclosed each categories of personal information listed in Section 8(a), including the listed sensitive personal information, for a business purpose.

In addition, Lendio “sells”/”shares” certain personal information, as those terms are defined by the CCPA, for purposes of cross-contextual behavioral advertising, as that term is defined by the CCPA. Specifically, as with many online companies, Lendio partners with third parties advertising platforms and similar providers to manage our marketing of Lendio on other platforms, where such advertising is based on your past visits to our Sites and Services. These third party partners may use technologies, such as cookies and pixels, to gather information about your activities on the Sites and Services to deliver such advertising to you when you visit their platforms. Please also review our disclosures in Sections 1.2, 2, and 5 of our Privacy Policy for more information about this activity.

The CCPA requires us to identify the categories of personal information that we have “sold”/“shared” under the CCPA in the preceding twelve (12) months. In the last twelve (12) months, we have “sold”/”shared” the following categories of personal information to advertising partners for cross-context behavioral advertising purposes:

• Identifiers
• Internet or other electronic network activity information
• Personal information categories listed in the California Civ Code § 1798.80(e)
• Internet or other electronic activity information

5 Your California privacy rights

The CCPA provides California residents with specific privacy rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

If you are a California resident, you have the right to make the following requests under applicable California law in relation to your personal information, subject to certain exceptions:

• Right to Know. You have the right to, up to twice in a 12-month period, request what personal information we collect, use, disclose, and/or sell, and to whom, as applicable. You may request either a report disclosing the general categories of the personal information we collect, or a report disclosing the specific pieces of personal information we collect.
• Right to Delete. You have the right to request, under certain circumstances, the deletion of your personal information that we collect.
• Right to Opt-Out of Sale or Sharing. You have the right to opt-out of the “sale”/“sharing” of your personal information, as those terms are defined under California law.
• Right to Limit Use and Disclosure. You have the right to limit the use or disclosure of your sensitive personal information to only the uses necessary for us to provide our products and services to you, or for certain other authorized purposes. We will not use or disclose your sensitive personal information after you have exercised your right unless you subsequently provide consent for the use of your sensitive personal information for additional purposes.
• Right to Correct. You have the right to request the correction of your inaccurate personal information.
• Right to Non-Discrimination. You have the right not to receive discriminatory treatment for the exercise of the privacy rights described above.

How to submit a request.

You can exercise your rights by contacting us at [email protected], by contacting customer service at (855) 853-6346, or by filling out this online form so that we may consider your request.

Any request you submit to us is subject to an identification and residency verification process as permitted by the CCPA. We will not fulfill your request unless you have provided sufficient information that enables us to reasonably verify that you are the consumer about whom we collected the personal information on. In order to verify you, you must provide us with first name, last name, and email address.

Requests by authorized agents. If you are a California resident, you may designate an authorized agent to make a request to access or a request to delete on your behalf. We will respond to your authorized agent’s request if they submit proof that they are authorized to be able to act on your behalf, or submit evidence you have provided them with power of attorney pursuant to California Probate Code section 4000 to 4465. We may deny requests from authorized agents who do not submit proof that they have been authorized by you to act on their behalf, or are unable to verify their identity

Household data. We currently do not collect household data. If we receive a request submitted by all members of a household, we will individually respond to each request. We will not be able to comply with any request by a member of a household under the age of 18, as we do not collect personal information from any person under the age of 18.

Responses. We will respond to your request within forty-five (45) days after receipt of a Verifiable Consumer Request for a period covering twelve (12) months and for no more than twice in a twelve-month period. Lendio reserves the right to extend the response time by an additional forty-five (45) days when reasonably necessary and provided consumer notification of the extension is made within the first forty-five (45) days.

These rights are subject to various exclusions and exceptions under California law and other applicable laws. In addition, if we are unable to verify your identity to a degree of certainty as required by the CCPA through any reasonable method, we will state that we are unable to verify in a written response to you along with a reason as to why there is no reasonable method by which we can verify your identity.

Direct marketing by third parties. Lendio does not disclose personal information to third parties for their own direct marketing purposes. However, California residents additionally have the right to request information regarding such practices under California’s “Shine the Light” law. If you are a California resident and would like to inquire further, please email [email protected].

We will continue to update our business practices as direct regulatory guidance becomes available.

8.6 Notice of Right to Opt-Out

As detailed in Section 10.4 above, Lendio “sells”/“shares” personal information with third parties for purposes of cross-context behavioral advertising, as those terms are defined by the CCPA.

If you wish to opt-out of the “sale”/“sharing” of the limited personal information that is gathered when you visit our Sites and Services for purposes of cross-context behavioral advertising, by fill out this online form.