Lending Co. (“we,” “us,” or “our”) is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit lnding.com (the “Site”) or submit a loan inquiry form. By using this Site, you agree to the terms of this Privacy Policy.

Since 2012, Lending Co. has operated as a loan matching and referral service — we are not a lender. We connect consumers with third-party lending companies in exchange for a referral fee paid by those lenders. We do not make credit decisions, set loan terms, or fund loans directly.

We will continuously assess ourselves to ensure that customer privacy is respected. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at Lending Co.

Information You Provide

When you submit a loan inquiry form or contact us, we may collect:

• Full name, home address, and date of birth
• Social Security Number (SSN) for credit verification purposes
• Phone number and email address
• Employment information, income, and occupation
• Financial information relevant to your loan request
• Email address if you subscribe to our newsletter

Information Collected Automatically

When you visit the Site, we may automatically collect:

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages viewed, time on site, and referring URLs
• Interaction data collected via cookies and tracking pixels (see Section 5)

We use the information we collect to:

• Process and evaluate your loan inquiry and match you with appropriate lending partners
• Share your information with third-party lending companies for the purpose of fulfilling your loan request (see Section 4)
• Communicate with you about your application status and loan products
• Send newsletters or promotional information (you may opt out at any time)
• Comply with applicable laws, regulations, and legal obligations
• Detect, prevent, and address fraud or security issues
• Improve our Site and measure the effectiveness of our advertising

We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers.

Affiliated Companies

We may share your information with affiliated companies within the Lending Co. family of services, including companies in banking, consumer finance, credit cards, securities, and insurance. Our affiliates may change from time to time as we tailor services to client needs.

Third-Party Lending Companies (Referral Partners)

Important: Lending Co. is a loan matching and referral service. When you submit a loan inquiry, we share your personal and financial information with one or more third-party lending companies who may be able to offer you a loan. Lending Co. receives a referral fee from these lending companies when a match is made. We do not control the lending companies’ use of your information once it is shared, and their own privacy policies and terms will apply to any loan you receive.

Types of third parties we may share your information with include:

• Personal loan lenders, business loan lenders, and mortgage companies
• Credit reporting agencies and verification services for credit checks and identity verification
• Service providers who help operate our Site (hosting, analytics, email delivery)
• Advertising partners and platforms, including TikTok, Google, and Meta, for the purpose of serving relevant ads (see Section 5)

We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, been authorized by the customer, or are required by law. We will never sell your personal information to data brokers or unrelated third parties.

Legal Requirements

We may disclose your information if required by law, court order, or governmental authority, or if we believe disclosure is necessary to protect the rights, property, or safety of Lending Co., our customers, or the public.

We use cookies, web beacons, pixels, tags, and similar tracking technologies to operate our Site, analyze traffic, and deliver relevant advertising across multiple platforms. By using this Site, you consent to the use of these technologies as described below.

Types of Cookies We Use

• Essential / Functional Cookies – Required for the Site to operate properly, including navigation and form submissions. These cannot be disabled.
• Analytics Cookies – Used to understand how visitors interact with the Site, including pages visited, time on site, and traffic sources.
• Advertising & Retargeting Cookies – Used to deliver relevant ads on third-party platforms based on your visit to this Site, and to measure the effectiveness of our ad campaigns.

Google Analytics & Google Ads (including YouTube)

We use Google Analytics to measure Site traffic and user behavior. We also use Google Ads and YouTube Ads to serve advertisements. Google may use cookies and device identifiers to show you ads based on your prior visits to this Site across Google Search, Gmail, YouTube, and the Google Display Network.

• Google collects data such as pages visited, time on site, and general location based on IP address.
• Google advertising features we may use include: Remarketing, Google Display Network Impression Reporting, and Demographics & Interests Reporting.
• Our Google Ads campaigns for credit products comply with Google’s Credit Products & Services advertising policy, which restricts targeting by protected characteristics.
• Opt out of Google Analytics: Google Analytics Opt-Out Browser Add-On.
• Manage Google ad personalization: adssettings.google.com.
• Google Privacy Policy  |  How Google Uses Advertising Data

Meta Pixel (Facebook & Instagram)

We use the Meta Pixel on this Site. This technology allows Meta to connect your Site activity with your Facebook or Instagram account for ad targeting, retargeting, and conversion measurement.

• Meta may collect your IP address, browser type, pages viewed, and actions taken on this Site.
• We run our Meta credit ads under the Special Ad Category: Credit, which restricts targeting to comply with fair lending laws — no targeting by age, gender, zip code, or protected characteristics.
• Manage Meta ad preferences: facebook.com/ads/preferences.
• Meta Privacy Policy

TikTok Pixel

We use the TikTok Pixel to measure TikTok ad campaign performance and reach relevant audiences. TikTok may collect information about your visit including pages viewed and actions taken.

• Our TikTok ads run under the Special Ad Category: Credit, which disables targeting by age, gender, zip code, and protected characteristics in compliance with anti-discrimination laws.
• Manage TikTok ad preferences: TikTok app > Settings > Privacy > Ads.
• TikTok Privacy Policy

Managing Your Cookie & Ad Preferences

• Browser settings – Block or delete cookies in your browser; note this may affect Site functionality.
• Interest-based advertising opt-out – optout.aboutads.info (DAA) or optout.networkadvertising.org (NAI).
• Google Analytics opt-out – Install the Google Analytics Opt-Out Add-On.
• Mobile devices – Use “Limit Ad Tracking” (iOS) or “Opt out of Ads Personalization” (Android).
• California residents – See Section 6 for additional rights under CCPA/CPRA.

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

• Right to Know – You may request disclosure of the categories and specific pieces of personal information we have collected about you.
• Right to Delete – You may request that we delete your personal information, subject to certain exceptions.
• Right to Correct – You may request that we correct inaccurate personal information we hold about you.
• Right to Opt-Out of Sale or Sharing – We do not sell your personal information. However, our use of advertising pixels (see Section 5) may constitute “sharing” under CPRA. You may opt out of this sharing by contacting us or adjusting your cookie preferences.
• Right to Non-Discrimination – We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To exercise any of these rights, contact us using the information in Section 11. We will respond to verified requests within 45 days.

Do Not Sell or Share My Personal Information

California residents may submit a request to opt out of the sharing of personal information for cross-context behavioral advertising by emailing us at the address listed in Section 11 with the subject line: “Do Not Sell or Share My Information.”

Safeguarding your information is our utmost priority. Lending Co. employs industry-standard security measures including:

• Secure Socket Layer (SSL / TLS) encryption for all data transmissions with a minimum 128-bit key size
• Firewalls and intrusion detection systems monitored 24 hours a day, 7 days a week
• Private IP addressing and sanitized server systems
• Access restricted to authorized employees trained in the proper handling of customer information
• Regular security audits by industry-leading firms

While we take all reasonable precautions, no method of transmission over the internet is 100% secure. We encourage you to protect your personal information and notify us immediately of any suspected unauthorized use of your account.

To update your personal information on file, please contact our customer service line. Proof of identity is required to protect your privacy.

Acceptance of Terms

By accessing or using lnding.com, you agree to be bound by these Terms & Conditions and all applicable laws and regulations. If you do not agree, please do not use this Site.

Nature of Services — We Are Not a Lender

Lending Co. is a loan matching and referral service that has been connecting consumers with lending companies since 2012. We are not a lender, broker, or agent of any lender. We do not make credit decisions, approve or deny loan applications, set interest rates, or fund loans. When you submit a loan inquiry through this Site, we match your information with one or more third-party lending companies in our network and receive a referral fee from those companies.

Any loan offer, approval, interest rate, fees, and repayment terms are determined solely by the lending company to which you are referred — not by Lending Co. You are under no obligation to accept any loan offer presented to you. We encourage you to review all loan terms carefully before accepting any offer.

Eligibility

You must be at least 18 years of age and a legal resident of the United States to use this Site or submit a loan inquiry. By using this Site, you represent that you meet these requirements.

Loan Terms & APR Disclosure

Lending Co. does not offer loans and does not determine loan terms. All loan amounts, interest rates, fees, and annual percentage rates (APR) are set exclusively by the third-party lending company that issues the loan. Representative loan terms shown on this Site are for illustrative purposes only and are not a guarantee of any offer you may receive.

Loan proceeds from lending partners may be funded in as little as 48 hours for approved applicants; actual timing varies by lender. Payment terms through our lending network may range from 1 to 7 years. Some lenders in our network offer unsecured loans requiring no collateral; others may have their own collateral requirements. Always review your loan agreement carefully before signing.

Referral Fee Disclosure: Lending Co. receives compensation from lending companies in our network when a referral results in a loan match. This compensation may influence which lending partners we present to you, but does not affect the loan terms you are offered.

Intellectual Property

All content on this Site, including text, graphics, logos, and design, is the property of Lending Co. or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written consent.

Third-Party Links

This Site may contain links to third-party websites. Lending Co. is not responsible for the content, privacy practices, or accuracy of any third-party sites. Links do not constitute an endorsement.

Modifications

We reserve the right to modify these Terms & Conditions at any time. Changes are effective upon posting to this page. Continued use of the Site constitutes your acceptance of any revised terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Lending Co. is incorporated, without regard to conflict of law provisions.

Lending Co. is committed to fair and equal access to credit matching services for all consumers. As a loan referral service, we comply with the Equal Credit Opportunity Act (ECOA) and refer consumers only to lending partners who likewise comply with ECOA and applicable fair lending laws. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, familial status, disability, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

If you believe you have been discriminated against in a credit transaction, you may contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or call 1-855-411-2372.

THIS SITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Lending Co. does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. The information on this Site is for general informational purposes only and does not constitute financial, legal, or professional advice. Lending Co. is a referral service and is not responsible for the actions, decisions, loan terms, or practices of any third-party lending company to which you are referred. You should review all loan agreements carefully and consult a qualified financial professional before making any financial decisions.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDING CO. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS SITE OR ANY LOAN PRODUCT FACILITATED THROUGH IT.

If you have questions about this policy, wish to exercise your privacy rights, or need to update your information, please contact us:

We will respond to all verified privacy requests within 45 days as required by applicable law.