Last modified June 1, 2021
Notice: We have updated this Privacy Notice to reflect recent changes in our operations.
About Us
Thanks for using LenderLetter! This Privacy (“Privacy Notice”) covers your use and access to our services, website, and online web-based application(“Services”). We currently offer our Services only to residents of the United States of America and Canada and operate under LenderLetter, LLC based in California, USA. If you reside outside of the United States of America or Canada, you are not authorized to sign-up and use the LenderLetter.com application.
We care about protecting the personal information of our customers and visitors who use our website, products or services (collectively, our “Users”). This privacy notice provides details about how your personal information is collected, shared and used by us. To learn more about LenderLetter, LLC, visit: https://LenderLetter.com/.
Information Covered by this Privacy Notice
This privacy notice, which may also be referred to as a “privacy policy” on our website, covers personal information, including any information we collect, use, and share from you, as described further below. This privacy notice applies to all LenderLetter, LLC websites and brands, products and services, and mobile applications (collectively, the “Services”). This privacy notice does not cover how our Users may use or share data that they collect using our services.
When you purchase a subscription Service from us, your personal information will be collected, used, and shared consistent with the provisions of this privacy notice.
Information We Collect From You
In the course of your use of the Services, we obtain the following information about you as described below. We collect this data for the purposes described under “How We Use Your Information”.
Information you voluntarily provide to us
We collect the following information from you when you provide it to us:
- Information you provide prior to any registration process, such as your email when you provide it to us;
- Information that you provide during any registration process, including in connection with a co-branded offer (such as your name, company name, email address, phone number, billing address or credit card information, geographic location, industry and professional license numbers);
- Information you provide, when you call or email us (for support or otherwise) or when you use our products or services; and
- Payment information, including credit card data that you provide to us (by way of our Services or otherwise) when you purchase some of our products and services.
Information we collect about your usage and devices
We collect data relating to your online activity on our websites, including the following:
- IP address;
- Browser type and version;
- Type of device you use, operating system version, and device identifier;
- Geographic location;
- Pages you view;
- How you got to our Services and any links you click on to leave our Services;
- When you update your information, communicate with us, or order new Services;
- Metadata about your use of our Services and emails we send to you (including clicks and opens);
- Metadata about how your customers, contacts, and users interact with the Services we provide you;
- Your interactions with any videos we offer;
- Issues you encounter requiring our support or assistance; and
- Any device or other method of communication you use to interact with the Services.
We store the data we collect in a variety of places within our infrastructure, including system log files, back end databases and analytics systems.
Information We Acquire From Other Sources
We also collect the following information from other sources:
- Information you provide to us at seminars or to our partners;
- Information you provide to us in surveys;
- Information that is publicly available; and
- Information you consent to us receiving from third parties.
We also collect information that you may provide during your telephone conversations with us, which we may monitor or record.
We may combine any information we collect about you with other information we have about you to help us update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.
How We Use Your Information
We use the information we collect, both on its own and combined with any other information we collect about you, for the following business and commercial purposes:
- To provide the requested Services to you;
- To provide you with useful content;
- To ensure the proper functioning of our Services
- To offer and improve our Services;
- To provide you with requested information or technical support
- To facilitate your movement through our websites or your use of our Services;
- To do a better job of advertising and marketing our Services (subject to your consent where required by applicable law);
- To advertise and market third party products and services (subject to your consent where required by applicable law)
- To diagnose problems with our servers or our Services;
- In connection with our security and compliance programs;
- To administer our websites;
- To communicate with you;
- To target current or prospective customers with our products or services through online advertisements served on third-party sites by third-party vendors, such as Google (subject to your consent where required by applicable law);
- To assist us in offering you a personalized experience or otherwise tailor our Services to you; and
- As otherwise described in this privacy notice.
We also use the information we receive to produce reports on trends and statistics, such as mobile search trends, email open rates by industry, campaign best practices or the number of users that have been exposed to, or clicked on, our websites or evaluated or purchased our products or services.
Payment information that you provide to us, including credit card data, will only be used to facilitate payment for the Services. Credit card payment information is not stored on our servers. All credit card details are stored on third-party credit card processing firms.
We also use recorded telephone conversations for quality control purposes, to train our employees and for our own protection.
Sharing of Information
We share your personal information according to this privacy notice, with your consent or as necessary to provide you the Services you request, as well as to operate our business. As further described below, we will only share certain personal information with:
- Other members of the LenderLetter, LLC organization;
- Our partners;
- Third party service providers and vendors;
- In connection with a sale, merger, acquisition or corporate reorganization;
- Authorized users within your organization; and
- For legal reasons.
Sharing within the LenderLetter, LLC organization
We share personal information with other members of the LenderLetter, LLC organization to allow our corporate affiliates to contact you to update and support our core group of Services. Any such corporate affiliate may use your information only according to the terms of this privacy notice. If you are located in a jurisdiction where such sharing requires your permission, we will only do so with your consent.
Sharing with Partners
When we share your personal information with certain third-party partners, it is solely to support our Services. The information includes your name, email address and other information enabling partners to:
- Assist you in using our Services,
- Provide you with their products or services if it is in connection with supporting our Services.
If you are located in a jurisdiction where such sharing requires your permission, we will only do so with your consent. Please note that if you access our services through a tool that hides your location, such as through a virtual private network, you may not receive our request for permission because we were not able to identify you as being located in a jurisdiction where your permission is required.
Further, our partners are prohibited from using your contact information for any purpose beyond those set forth above without your consent. We will not provide our partners with your credit card information.
Sharing with Third Party Service Providers and Vendors
Occasionally, we enter into contracts with carefully selected third parties to assist us in servicing you (for example, providing you with customer service, fraud detection and deterrence or access to advertising assets and providing us with information technology and storage services) or to assist us in our own marketing and advertising activities (including providing us with analytic information and search engine optimization services). Our contracts with such third parties prohibit them from using any of your personal information for any purpose beyond the purpose for which it was shared.
We offer features that allow you to better target who you contact through our products and services. These features allow you to optimize your associations with Agents and Buyers, segment your lists, and better customize your invitations to your customers.
We also share non-personal information with certain third parties, including the media, industry observers, marketing and advertising partners, vendors, customers, potential customers or partners. For example, we disclose mobile search trends, email open rates by industry, campaign best practices or the number of users that have been exposed to, or clicked on, our websites or evaluated or purchased our products and services.
Corporate Reorganizations
If we are involved in a merger, acquisition, a sale of all or a substantial portion of our assets, or other similar sale transaction, your information will be transferred as part of that transaction. We will notify you by email and/or a prominent notice on our website of any such transfer and any choices you may have regarding your information.
Authorized Users
All users authorized by you to have access to your account can view personal information stored in the account. A Company Owner and Administrator account holders can view personal information saved in subaccounts to which they have authorized access. We share information about authorized users only for legitimate purposes consistent with this privacy notice, including servicing your account for you.
Legal Process
If legally required to do so, or if we have a good faith belief that such disclosure is reasonably necessary, we may disclose your personal information to courts of law, public authorities (including to meet national security or law enforcement requirements), and other relevant third parties, such as internet service providers, to conduct an investigation, respond to a third party or law enforcement subpoena or court order, to bring legal action, prevent harm to others or pursue other relief when you or a third party are or may be:
- Violating our terms and conditions of use;
- Causing injury or other harm to, or otherwise violating the property or other legal rights, of us, other users, or third parties; or
- Violating federal, state, local, or other applicable law.
This disclosure can include transferring your information to the U.S. and Canada. To the extent we are legally permitted to do so, we will notify you in the event that we are required to provide your personal information to third parties in connection with a subpoena.
Security
The transmission of information via the internet, email or text message is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted through the Services or over email; any transmission is at your own risk. Once we have received your information, we will take appropriate technical and organizational measures to safeguard your personal information against loss, theft and unauthorized use, access or modification.
When we collect financial account information, such as credit card numbers, we protect its transmission through the use of encryption such as the Transport Layer Security (TLS) protocol.
Choice/Opt-out
Marketing Communications from Us
You always have the opportunity to opt out of our marketing communications with you or change your preferences by following a link in the footer of all non-transactional email messages from us or by emailing us at support@LenderLetter.com. Some communications from us are considered transactional or service communications (for example, important account notifications and billing information). You agree to receive these transactional and service communications as a condition of the Services that we provide to you. You must cancel your accounts for all Services, if you do not wish to receive any transactional or service communications from us. To cancel your account, you may deactivate your account in the LenderLetter.com Dashboard. You may still receive marketing communications from us even after you cancel your account unless you also opt-out of our marketing communications, as described above.
Phone
If you do not want to receive marketing calls by phone, you may contact customer support from which you purchased your Services and indicate your preference to us. Contact information for LenderLetter.com can be found on the homepage.
Note that we may use automated dialing technology to place marketing calls. In the event we do use such technology for marketing calls, we will do so with your consent as required to comply with applicable law. You do not need to agree to receive automated marketing phone calls or texts from us in order to use the Services.
Cookies
For information about how to manage and opt out from cookies, please email support@LenderLetter.com.
Unauthorized Accounts
If an account or profile was created without your knowledge or authorization, please contact customer support to request removal of the account or profile.
Retention of Personal Information
We retain your personal information to provide services to you and as otherwise necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We will retain your personal information for no more than seven years following the later of (i) the date on which you terminate your use of the Services, unless we are otherwise required by law or regulation to retain your personal information for longer.
Legal Basis for Processing Your Information
Depending on what information we collect from you and how we collect it, we rely on various grounds for processing your information, including the following:
- In order to administer our contractual relationship, including setting up your requested Services, payments, renewals and processes;
- Because it is in our legitimate interest to run a successful and efficient business and provide you with the Services and other useful content;
- In order to fulfill any legal obligations we may have to collect this information from you; and/or
- Because you have provided your consent for us to do so.
YOUR RIGHT TO CONTROL HOW YOUR PERSONAL INFORMATION IS USED
You have the right to make requests regarding your personal information. You can:
- Ask us to access, update, remove or correct personal information if it is inaccurate;
- Request that we transfer some or all of your personal information to you or a third party (whenever it is technically feasible to do so);
- Make choices about receiving marketing communications;
- Withdraw your consent to process your personal information in circumstances where we are relying on your consent as our basis for processing.
To exercise any of your rights, please send an email to support@LenderLetter.com.
In addition to the rights above, residents of California have further rights which are detailed below. Please note that some rights only apply in certain circumstances or to certain information and some exceptions may apply.
We will require you to verify your identity before responding to any requests to exercise your rights.
Residents of California
The California Consumer Privacy Act 2018 (“CCPA”) or related data protection laws apply, you may:
- Request to know the categories of personal information we collect about you, as well as the sources from which the personal information is collected; the business or commercial purpose of our collection; the categories of third parties with whom we share your personal information; and the specific pieces of personal information we hold about you.
- Request certain information regarding, and/or opt-out of, our disclosure of your personal information to third parties.
- Request that we delete the personal information we hold about you in certain limited circumstances.
Third Party Links and Information Collection and Use by Our Users
Some of our Services provide links to other websites. Because we do not control the information policies or practices of these third-party sites, you should review their privacy policies to learn about how they collect and use personal information.
Children
Our Services are not directed to persons under 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian of such a child and become aware that your child has provided personal information to us, please contact us as described in this Privacy Notice and we will take reasonable steps immediately to remove any such information.
Notification of Changes
We reserve the right to modify this privacy notice at any time, so please review it frequently. If we decide to change this privacy notice in any material way, we will notify you here, by email, or by means of a notice on https://LenderLetter.com/ or the website of the LenderLetter, LLC product or service you use prior to the change becoming effective. In all cases, your continued use of any Services constitutes acceptance to any such changes.
Complaints
If you have any questions about this privacy notice or our data handling practices, or you wish to make a complaint, you may contact our Data Protection Officer at support@LenderLetter.com or by regular mail at:
Data Protection Officer
LenderLetter, LLC
P.O. Box 4296
San Rafael, CA 94913
U.S.A.