Privacy Policy, Terms & Legal Disclosures

Lending Co. | Effective Date: June 1, 2025 | Last Updated: September 11, 2026

1. Privacy Policy

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 licensed lender (License #CF9901552). We may originate a loan or refer your application to one or more third-party lenders in our network. If your loan is funded by a third-party lender, that lender — not Lending Co. — will originate, underwrite, and service the loan, and its own rates, terms, and eligibility requirements will apply. We may receive a referral fee when an application is referred to a third-party lender.

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.

2. Information We Collect

Notice at Collection

At or before the time we collect personal information, we collect it to process your loan inquiry, communicate with you, complete credit and identity checks, fund or refer your request, operate the Site, measure advertising, and comply with law. The categories, sources, uses, and sharing described in this Policy apply at collection.

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) or FEIN for credit and identity verification
• Phone number and email address
• Employment information, income, and occupation
• Financial information relevant to your loan request, including estimated balances
• 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)

Sensitive Personal Information

Some information we collect is treated as sensitive under California law, including Social Security number, financial account or loan-application information, and precise account log data if used. We use sensitive personal information to process your inquiry, verify identity, complete a credit check, prevent fraud, and as otherwise permitted by law. See Section 6 to limit certain uses.

How Long We Keep Information

We keep personal information only as long as needed for the purpose collected, including to process inquiries, maintain loan or referral records, measure ads, resolve disputes, and meet legal, tax, licensing, and audit requirements. Retention periods vary by record type. When information is no longer needed, we delete or de-identify it as reasonably practicable.

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your loan inquiry and, where applicable, match you with third-party lending partners
• Share your information with third-party lending companies when a referral is made (see Section 4)
• Communicate with you about your application status and financing options by phone, text, and email, including as authorized on our forms
• Send newsletters or promotional information (you may opt out at any time)
• Comply with applicable laws, regulations, and legal obligations, including fair lending and financial-privacy rules
• 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 service to our customers.

As a licensed lender that may also refer applications, we handle nonpublic personal information in a manner consistent with the Gramm-Leach-Bliley Act (GLBA) and applicable state financial-privacy rules. We do not share nonpublic personal information with unaffiliated third parties for their independent marketing except as described in this Policy, as authorized by you, or as permitted or required by law.

4. Sharing Your Information

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 licensed lender and may also refer applications to third-party lenders. When you submit a loan inquiry, we may share your personal and financial information with one or more third-party lending companies that may be able to review your request. Lending Co. may receive a referral fee from these lending companies when a match is made. We do not control a third-party lender’s use of your information once it is shared, and that lender’s own privacy policy and terms will apply to any loan they fund.

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

• Personal loan lenders, business loan lenders, and other financing companies in our network
• Credit reporting agencies and verification services for credit checks and identity verification under the Fair Credit Reporting Act (FCRA)
• Service providers who help operate our Site (hosting, analytics, email and SMS 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.

5. Cookies, Tracking Technologies & Advertising Platforms

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.
• 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.
• 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. We treat a legally recognized opt-out preference signal, including Global Privacy Control (GPC) where technically feasible, as a request to opt out of sale or sharing.

6. California Privacy Rights (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, the sources, the business or commercial purpose, and the categories of third parties with whom we share it.
• 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 for money. Our use of advertising pixels (see Section 5) may constitute “sharing” for cross-context behavioral advertising under CPRA. You may opt out by emailing us or by using a GPC signal where supported.
• Right to Limit Use of Sensitive Personal Information – You may request that we limit use of sensitive personal information to what is necessary to provide the requested services, except as otherwise permitted by law.
• Right to Non-Discrimination – We will not discriminate against you for exercising any of your CCPA/CPRA rights.

To exercise these rights, email privacy@lnding.com or call (800) 847-9213. You may use an authorized agent if you provide written permission and we can verify both your identity and the agent’s authority. We will respond to verified requests within 45 days, or as otherwise required by law.

Categories Collected and Shared

In the preceding 12 months we may have collected and disclosed the following categories, depending on how you use the Site:

• Identifiers (name, address, email, phone, IP address)
• Commercial and financial information related to a loan inquiry
• Employment and income information
• Internet or electronic activity (pages viewed, pixel events)
• Geolocation derived from IP address
• Sensitive personal information (SSN or FEIN, financial application data)
• Inferences used to measure advertising performance

We may disclose these categories to funding or referral lenders, service providers, credit-reporting and identity-verification companies, and advertising platforms as described in Sections 4 and 5. We do not sell personal information to data brokers.

Do Not Sell or Share My Personal Information

California residents may opt out of sharing for cross-context behavioral advertising by emailing privacy@lnding.com with the subject line: “Do Not Sell or Share My Information.”

7. Data Security

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.

8. Terms & Conditions

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

Lending Co. is a licensed lender (License #CF9901552) and has been helping consumers check financing options since 2012. We may fund a loan or refer your application to one or more third-party lenders in our network. If a third-party lender funds the loan, that lender — not Lending Co. — will originate, underwrite, and service the loan, and its own rates, terms, and eligibility requirements will apply. When a referral is made, we may receive a referral fee from that company.

Any loan offer, approval, interest rate, fees, and repayment terms depend on whether Lending Co. or a third-party lender funds the loan. 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, including confirming which entity is extending the loan.

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

Rates advertised on this Site range from 5.99% APR to 34.99% APR for qualified applicants, with terms from 24 to 84 months. Actual interest rates, terms, and fees depend on whether your loan is funded by Lending Co. or a third-party lender, and will vary based on credit score, credit history, credit utilization, debt-to-income ratio, loan amount, and other factors. Not all applicants will qualify for the lowest advertised rate, and not all applicants will qualify for a loan offer. Representative examples on this Site are illustrative only and are not a guarantee of any offer you may receive.

Example: a $20,000 personal loan at 10% APR for 36 months would total $23,232. This example is illustrative only.

Loan proceeds may be funded in as little as 48 hours for approved applicants; actual timing varies. You do not need to use your home for these financing options. If your application is referred to a third-party lender, that lender may have additional or different eligibility requirements. Always review your loan agreement carefully before signing.

Submitting an inquiry may include authorization for a credit check and identity verification. A soft inquiry used to pre-qualify may not affect your credit score; a hard inquiry may occur if you proceed with an application through Lending Co. or a third-party lender.

Referral Fee Disclosure: Lending Co. may receive 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. Review the actual loan terms before accepting an offer.

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.

9. Equal Credit Opportunity & Fair Lending

Lending Co. is committed to fair and equal access to credit for all consumers. We comply with the Equal Credit Opportunity Act (ECOA) and work with 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.

Equal Opportunity Lender. Lending Co. and our lending partners operate in accordance with applicable federal and state fair lending laws.

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.

10. Disclaimer of Warranties & Limitation of Liability

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. If your loan is funded by a third-party lender, Lending Co. is not responsible for that lender’s actions, decisions, loan terms, or practices. 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.

11. Contact Us

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

Lending Co.
Website: lnding.com
Email: privacy@lnding.com
Phone: (800) 847-9213
Address: 900 N Federal Hwy, Ste. 220, Boca Raton, FL 33432

For California CCPA requests, use subject line: “California Privacy Request”
For opt-out requests, use subject line: “Do Not Sell or Share My Information”

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

© 2012–2026 Lending Co. | lnding.com | All rights reserved.
Lending Co. is a licensed lender (License #CF9901552). We may refer applications to third-party lenders. | This page was last updated September 11, 2026.