Privacy Policy

At LoanAI (LendingTech Systems, Inc.) ("we," "us," or "our"), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.lendingtechsystems.com.

1. Information We Collect

1.1 Information You Provide to Us

We may collect personal information that you voluntarily provide to us when you:

• Fill out contact forms on our website
• Subscribe to our newsletter or mailing list
• Request information about our products or services
• Participate in surveys or promotions
• Communicate with us via email or other means

This information may include:

• Name
• Email address
• Phone number
• Mailing address
• Company name
• Any other information you choose to provide

1.2 Automatically Collected Information

When you visit our website, our web server automatically collects certain technical information, including:

• Your IP address
• Browser type and version
• Operating system
• Referring website
• Pages visited on our site
• Date and time of your visit

Note: This information is collected through standard server logs and does not involve cookies or tracking technologies.

2. No Cookies Policy

Unlike many websites, LoanAI (LendingTech Systems, Inc.) does not use cookies, web beacons, or similar tracking technologies. We do not:

• Store information on your device
• Track your browsing behavior across sessions
• Use analytics cookies to monitor website usage
• Employ advertising or marketing cookies
• Share data with third-party advertising networks

3. How We Use Your Information

We use the information we collect for the following purposes:

• Communication: To respond to your inquiries, provide customer support, and send requested information
• Service Delivery: To process transactions and deliver products or services you have requested
• Marketing: To send newsletters, promotional materials, or updates (only if you have opted in to receive such communications)
• Improvement: To understand how visitors use our website and improve our services
• Legal Compliance: To comply with legal obligations and protect our legal rights
• Security: To maintain the security and integrity of our website

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you. These providers are contractually obligated to keep your information confidential and use it only for the purposes we specify.

4.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

4.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

4.4 Protection of Rights

We may disclose information when we believe it is necessary to protect the rights, property, or safety of our company, our users, or others.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using SSL/TLS protocols
• Secure server infrastructure
• Regular security assessments
• Access controls limiting who can view personal information

However, please note that no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.

7. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: The right to request a copy of the personal information we hold about you
• Correction: The right to request correction of inaccurate or incomplete information
• Deletion: The right to request deletion of your personal information
• Objection: The right to object to our processing of your information
• Data Portability: The right to receive your information in a structured, commonly used format
• Withdrawal of Consent: The right to withdraw consent where we rely on consent to process your information

To exercise any of these rights, please contact us using the information provided below.

8. Children's Privacy

Our website is not intended for children under the age of 13 (or the applicable age of consent in your jurisdiction). We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will take steps to delete such information.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those of your jurisdiction. By using our website, you consent to the transfer of your information to countries outside your country of residence.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. When we make changes, we will update the "Last Updated" date at the top of this policy. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

If we make material changes, we will provide notice through our website or by other means as appropriate.

12. Contact Us

By using our website, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.