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Privacy Policy

Last Updated June 10, 2016

Lendsnap Privacy Policy

Lendsnap provides this Privacy Policy to inform you of our policies and procedures regarding the collection, use and disclosure of personal information we receive from our users. Our Privacy Policy may be updated from time to time, and we will notify you of any material changes by posting the new Privacy Policy at http://lendsnap.com/privacy-policy.html.

1. The Personal Information We Collect

In the course of using Lendsnap, you will provide us with personally identifiable information (“PII”) and nonpublic personal information (“NPI”). PII refers to information about you that can be used to contact or identify you, and information on your use of and activities at our Site that may be connected with your NPI. PII may also include information you supply to us concerning your preferences and interests expressed in the course of your use of Lendsnap.

NPI that we collect and disclose to nonaffiliated third parties may include, but is not limited to, credit card or other billing information. Other NPI collected include:

In addition to the above, NPI may also include when you upload documents or other content (“Content”), we will store information about the Content including information you supply in the form of tags as well as information we generate from analyzing the files. This information is used to index your Content, making it possible for you to easily sort and search through it. We collect information when you:

Collected NPI also includes “cookies.” When you visit Lendsnap, our servers automatically record information that your browser sends whenever you visit a website. This information may include your computer’s Internet Protocol address, browser type, the web page you were visiting before you came to our Site and information you search for on our Site. Like many websites, we may also use “cookies” to collect information. A cookie is a small data file that we transfer to your computer’s hard disk for record-keeping purposes. We may use “persistent cookies” to save your registration ID and login password for future logins to Lendsnap; and we use “session ID cookies” to enable certain features of Lendsnap, to better understand how you interact with Lendsnap and to monitor aggregate usage and web traffic routing on Lendsnap. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all portions of Lendsnap or all functionality of our services.

2. How We Use PII and NPI

PII is or may be used for the following purposes: (i) to provide and improve our Site, services, features and content, (ii) to administer your use of our Site, (iii) to enable you to enjoy and easily navigate Lendsnap, (iv) to better understand your needs and interests, (v) to fulfill requests you may make, (vi) to personalize your experience, (vii) to provide or offer software updates and product announcements, and (viii) to provide you with further information and offers from us or third parties that we believe you may find useful or interesting, including newsletters, marketing or promotional materials and other information on services and products offered by us or third parties. If you decide at any time that you no longer wish to receive any such communications, please follow the “unsubscribe” instructions provided in any of the communications sent to you, or update your “account settings” information. (See “Changing or Deleting Information,” below.).

We collect NPI from other companies and compile NPI provided by consumers in order to streamline the loan process. NPI collected will be transmitted to non-affiliated banks and mortgage companies so that the banks and mortgage companies may make decisions on granting or denying loans.

We use information we obtain by technical means (such as the automatic recording performed by our servers or through the use of cookies) for the above purposes and in order to monitor and analyze use of Lendsnap and our services, for Lendsnap’s technical administration, to increase our Site’s functionality and user-friendliness, to better tailor it to your needs, to generate and derive useful data and information concerning the interests, characteristics and website use behavior of our users, to verify that visitors to Lendsnap meet the criteria required to process their requests, and to create automatic indexing of the Content so it is easy for you to search it later.

3. Information Sharing and Disclosure

Lendsnap Users. We will display your PII in your profile page and elsewhere on Lendsnap according to the preferences you set in your account. You can review and revise your profile information at any time. We do not disclose the NPI of former customers.

Service Providers, Business Partners and Others. We share NPI with the following types of companies, such as mortgage companies and banks offering loans. We may employ third party companies and individuals to facilitate our service and to collect NPI, to provide the service on our behalf, to perform Site-related services (including but not limited to data storage, maintenance services, database management, web analytics, payment processing, and improvement of Lendsnap’s features) or to assist us in analyzing how our Site and service are used. These third parties have access to your PII and NPI, including your Content, but only to the extent necessary to perform these tasks on our behalf. We make disclosures to other nonaffiliated companies for your everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus, among other activities. Lendsnap does not jointly market.

Compliance with Laws and Law Enforcement. Lendsnap cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect the property and rights of Lendsnap or a third party, to protect the safety of the public or any person, or to prevent or stop any activity we may consider to be, or to pose a risk of being, illegal, unethical, inappropriate or legally actionable.

Business Transfers. Lendsnap may sell, transfer or otherwise share some or all of its assets, including your Personal Information, in connection with a merger, acquisition, reorganization or sale of assets or in the event of bankruptcy.

4. Changing or Deleting Your Information

You may review, update, correct or delete the PII provided in your registration or account profile by changing your “account settings.”

5. Security

Lendsnap is very concerned with safeguarding your information. We employ reasonable measures designed to protect your PII and your NPI from unauthorized access.

6. Cookies

We may use cookies in order to customize this site for return visitors. These cookies are not required for site functionality.

We may use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent your data from being used by Google Analytics by opting-out here.

7. Contacting Us

If you have any questions about this Privacy Policy, or about any of our published policies, please contact us at info@lendsnap.com.