Lendify

Privacy Policy

Last updated: September 1, 2026

LendWisely, Inc. ("LendWisely," "we," "us," or "our") operates Lendify (the "Service"), a platform that helps individuals and businesses manage, evaluate, and process lending activity. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, create an account, or otherwise use the Service.

By accessing or using Lendify, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please do not access or use the Service.

1. Information We Collect

1.1 Information You Provide to Us

We collect information you provide directly to us, including:

  • Account information: name, email address, phone number, password, and company details you provide when you register for an account.
  • Identity verification information: government-issued ID, date of birth, Social Security Number or other tax identification number, and other information required to comply with Know Your Customer (KYC) and anti-money-laundering (AML) obligations.
  • Financial information: bank account details, income, credit history, loan terms, repayment history, and other data necessary to originate, underwrite, or service a loan.
  • Communications: information you provide when you contact customer support, respond to surveys, or otherwise correspond with us.
  • Payment information: billing address and payment card details, which may be processed by our third-party payment processors.

1.2 Information We Collect Automatically

When you access or use the Service, we automatically collect certain information, including:

  • Device and usage data: IP address, browser type, operating system, device identifiers, pages viewed, referring URLs, and timestamps.
  • Cookies and similar technologies: we use cookies, web beacons, and similar tracking technologies to operate and personalize the Service. See Section 6 below.
  • Location information: approximate location derived from your IP address or, with your permission, precise geolocation.

1.3 Information From Third Parties

We may receive information about you from third parties, including:

  • Credit bureaus and reporting agencies.
  • Identity verification and fraud-prevention providers.
  • Banking and payment partners.
  • Publicly available sources and business partners who help us provide the Service.

2. How We Use Your Information

We use the information we collect to:

  • Provide, operate, and maintain the Service, including creating and managing your account.
  • Evaluate loan applications, underwrite credit risk, and service existing loans.
  • Verify your identity and comply with KYC, AML, and other legal and regulatory obligations.
  • Process payments and transactions.
  • Communicate with you about your account, transactions, and updates to our Service or policies.
  • Detect, investigate, and prevent fraudulent transactions and other illegal activity.
  • Personalize your experience and improve the Service, including through analytics.
  • Send marketing communications, subject to your preferences and applicable law.
  • Comply with applicable laws, regulations, legal processes, and enforceable governmental requests.

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

  • Service providers: vendors who perform services on our behalf, such as identity verification, credit reporting, payment processing, cloud hosting, customer support, and analytics.
  • Lending and financial partners: banks, credit unions, and other financial institutions involved in originating, funding, or servicing your loan.
  • Credit bureaus: we may report account information, including payment history, to consumer reporting agencies as permitted or required by law.
  • Regulators and legal authorities: when required to comply with a legal obligation, protect our rights, or respond to lawful requests from public authorities.
  • Business transfers: in connection with a merger, acquisition, financing, or sale of assets, your information may be transferred as part of that transaction.
  • With your consent: we may share information with other third parties when you direct or consent to such sharing.

4. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Because Lendify facilitates lending activity, certain records (such as loan documentation and identity-verification records) may be retained for extended periods to satisfy regulatory recordkeeping, tax, and audit requirements, even after your account is closed.

5. Data Security

We implement administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, or disclosure, including encryption in transit and at rest, access controls, and regular security assessments. However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use the following categories of cookies and similar technologies:

  • Essential cookies: required for the Service to function, such as authentication and security.
  • Performance and analytics cookies: help us understand how visitors use the Service so we can improve it.
  • Functional cookies: remember your preferences and settings.
  • Advertising cookies: used to deliver relevant advertising and measure its effectiveness.

You can control cookies through your browser settings. Disabling certain cookies may affect the functionality of the Service.

7. Your Privacy Rights

Depending on where you live, you may have the following rights regarding your personal information:

  • The right to access, correct, or update your personal information.
  • The right to request deletion of your personal information, subject to legal and regulatory retention requirements applicable to financial records.
  • The right to opt out of certain data sharing, including for targeted advertising or the "sale" or "sharing" of personal information as defined under applicable law.
  • The right to data portability.
  • The right to withdraw consent, where processing is based on consent.
  • The right to non-discrimination for exercising your privacy rights.

Residents of California, Virginia, Colorado, Connecticut, and other states with comprehensive privacy laws, as well as residents of the European Economic Area, United Kingdom, and Switzerland, may have additional rights under applicable law (such as the CCPA/CPRA or GDPR). To exercise any of these rights, please contact us using the information in Section 12 below. We may need to verify your identity before fulfilling your request.

8. Children's Privacy

The Service is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to delete that information.

9. International Data Transfers

Your information may be transferred to, stored, and processed in countries other than the one in which you reside, including the United States, where data protection laws may differ from those in your jurisdiction. Where required, we implement appropriate safeguards to protect your information in accordance with this Privacy Policy and applicable law.

10. Third-Party Links and Services

The Service may contain links to third-party websites or integrate with third-party services that are not operated by us. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party site or service you interact with.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will post the updated policy on this page and update the "Last updated" date above. If changes are material, we will provide additional notice, such as via email or an in-app notification.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: