Terms, Privacy, & Disclosures

Learn about our privacy policy, terms of use, security, licensing, and more.

Privacy Policy

Welcome to the website (the "Site") of LendingHome Corporation and its Subsidiaries (collectively referred to as "LendingHome", "Company", "we", "us" and "our"). This Site was created to provide information about our company and our real estate lending and investing services, mobile applications and related services (together with the Site, the "Services") to our Service visitors ("you", "your", or "user").

We invite you to read this Privacy Policy, which explains the types of personal information collected from you, how and why we use such information, who we share it with, and your legal rights. By using the Site or Services, you consent to the data practices set forth in this Privacy Policy.

 

 

Information We Collect

When you interact with us through the Services, we may collect, use, sell, or share your Personal Information. Personal Information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household ("Personal Information"). "Personal Information" does not include: (1) publicly available information, such as information that is lawfully made available from federal, state, or local records, and (2) de-identified or aggregate consumer information. Personal Information That You Provide Through the Services: We collect Personal Information from you when you voluntarily provide such information, such as when you submit a loan application, open an account, contact us with inquiries, respond to one of our surveys, register for website access to the Services or use certain Services. Wherever we collect Personal Information from you, we make an effort to provide a link to this Privacy Policy.

If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of Company and the authorized third parties referred to herein located in the United States.

 

 

Non-Identifiable Data

Non-Identifiable Data: When you visit the Site or interact with us through the Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. LendingHome may store such information itself or such information may be included in databases owned and maintained by Company affiliates, agents or service providers. We may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, and the domain names of our visitors' Internet service providers.

 

 

Aggregated Personal Information

In an ongoing effort to better understand and serve the users of the Services, we often conduct research on our customer demographics, interests and behavior based on the use and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and LendingHome may share this aggregate data with its affiliates, agents and business partners. This aggregate information does not identify you personally. LendingHome may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.

 

 

Our Use of Your Personal Information

LendingHome uses the Personal Information you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Information for a certain reason, we may use the Personal Information in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Information you provide to answer your question or resolve your problem. Also, if you provide Personal Information in order to obtain access to the Services, we will use your Personal Information to provide you with access to such services and to monitor your use of such services. LendingHome and its subsidiaries and affiliates (the "Related Companies") may also use your Personal Information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services. We may use this information to contact you in the future to tell you about services we believe will be of interest to you. If we do so, each marketing communication we send you will contain instructions permitting you to "opt-out" of receiving future marketing communications. In addition, if at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us at privacy@lendinghome.com . If LendingHome intends on using any Personal Information in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Information is collected.

 

 

Our Disclosure of Your Personal Information

LendingHome is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Information with certain third parties without further notice to you, as set forth below:

Business Transfers

In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Information may be part of the transferred assets.

Related Companies

We may also share your Personal Information with our Related Companies for purposes consistent with this Privacy Policy.

Agents, Consultants and Related Third Parties

We, like many businesses, sometimes hire other companies to perform certain business-related functions. Examples of such functions include but are not limited to mailing information, maintaining databases, processing payments, releasing property liens, and property inspections. When we employ another company to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal Requirements

LendingHome may disclose your Personal Information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend our rights or property, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

Your Choices

You can visit the Site without providing any Personal Information. If you choose not to provide any Personal Data, you may not be able to use certain Services.

 

 

Exclusions

This Privacy Policy does not apply to any Personal Information collected by LendingHome other than Personal Information collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to Company through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, "Unsolicited Information"). All Unsolicited Information shall be deemed to be non-confidential and available to be reproduced, used, disclosed, or distributed to others without limitation or attribution. For state specific policies, please also visit our Jurisdiction Specific Disclosures below.

 

 

Children and Minors

Our services are not intended for and we do not knowingly collect Personal Information from Minors. "Minors" are individuals under the age of 13 (or under a higher age if permitted by the laws of their residence). If it comes to our attention that we have collected Personal Information from a Minor, we may delete this information without notice. If you have reason to believe that this has occurred, please contact us at privacy@lendinghome.com to have the information deleted.

 

Links to Other Websites

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by LendingHome (the "Third Party Sites"). The policies and procedures we described here do not apply to the Third Party Sites. The links from the Services do not imply that LendingHome endorses or has reviewed the Third Party Sites. We suggest contacting those sites directly for information on their privacy policies.

 

Cookie Policy

In operating the Services, we may use a technology called "cookies." Cookies are small text files sent by us to your computer or mobile device, which enables LendingHome features and functionality. They are unique to your account and your browser. We use our own cookies and third party cookies. LendingHome uses both session cookies and persistent cookies. A session cookie is something that helps identify you during a particular visit to our Site which expires after a short time. We use a persistent cookie to identify you over a long period of time such as if you ask us to keep you signed in.

Our cookies help provide additional functionality to the Services and help us analyze Services usage more accurately. For instance, our Site may set a cookie on your browser that allows you to access the Services without needing to remember and then enter a password more than once during a visit to the Site. We use cookies for a variety of reasons including account authentication, enhance security, provide you with more customized preferences, features, and services, marketing, and performance, analytics and research.

If you would prefer not to allow cookies, on most web browsers, you will find a "help" section on the toolbar where you can set up rules to manage cookies such as how to receive notifications when you are receiving a new cookie or how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features. Limiting cookies may stop you from saving customized settings including login information.

 

 

Tracking Policies

We collect Personal Information about your online activities over time and across different websites when you use our Site or Services or affiliated websites. We also allow third parties to collect Personal Information about your online activities over time and across different websites when you use our Site or Services.

 

 

Security

LendingHome takes reasonable steps to protect the Personal Information provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or via mobile device, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In particular, email sent to or from the Services may not be secure. Alternatively, you can securely upload information through your username and password enabled accounts on our Site.

 

 

Your California Privacy Rights

California law may provide California residents with additional privacy rights regarding our use of your personal information. To learn more or make a request, please see the Privacy Notice for California Residents.

 

 

Other Terms and Conditions

Your access to and use of the Services is subject to the Terms of Service at www.lendinghome.com

 

 

Changes to Company's Privacy Policy

The Services and our business may change from time to time. LendingHome reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Information. This Privacy Policy was last updated on the date indicated below. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

 

 

Contact Us

To keep your Personal Information accurate, current, and complete, please feel free to contact us so we can update our databases. Please also feel free to contact us if you have any questions about LendingHome's Privacy Policy by emailing us at privacy@lendinghome.com

 

Exhibit A - Personal Information Sharing

 

Facts What does LendingHome do with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Name, address, phone number, Social Security Number, email address, government identification number, asset information, account balances and payment history, credit history and credit scores, and government monitoring information including by not limited to martial status and age.
How?

Financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons LendingHome may choose to share—and whether you can limit this sharing. For current borrowers, you may not control certain information associated with your loan, that you have already agreed to provide to certain investors as described in your loan agreement.

 

Reasons we can share your personal information Does LendingHome share? Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus YES NO
For our marketing purposes - to offer our products and services to you YES NO
For joint marketing with other financial companies YES YES
For our affiliates' everyday business purposes - information about your transactions and experiences YES NO
For our affiliates' everyday business purposes - information about your creditworthiness YES YES
For our affiliates to market to you YES YES
For nonaffiliates to market to you YES YES
To limit our sharing

Call 1-844-415-4663 - our menu will prompt you through your choice(s) or visit us online: www.lendinghome.com or contact us at privacy@lendinghome.com

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we provide you with this notice. Please also visit Jurisdiction Specific Disclosure for state specific rights.

Questions? Call 1-844-415-4663 or go to www.lendinghome.com

 

What We Do  
How does LendingHome protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does LendingHome collect my personal information? We collect your personal information, for example, when you
  • Create an online account
  • Complete an application
  • Provide account information or contact information
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • Sharing for affiliates' everyday business purposes-information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates companies to market to you
State laws may give you additional rights to limit sharing. See Jurisdiction Specific Disclosure.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account - unless you tell us otherwise.

 

Definitions  
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include LendingHome Funding Corporation and LendingHome Real Estate Network
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Nonaffiliates we share with can include other financial services companies, investors, and real estate related companies.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Joint marketing partners can be financial services and non financial services companies.

 

Last updated: March 22, 2021