PRIVACY POLICY
Last updatedApril 25, 2025
This PrivacyNotice for LendNav LLC ("we,""us," or "our"), describes how and why wemight access, collect, store, use, and/or share ( "process") your personal information when you use our services( "Services"), includingwhen you:
Visit our website at http://www.lendnav.com , or any website of ours thatlinks to this Privacy Notice
Engage with us in other relatedways, including any sales, marketing, or events
Questions or concerns? Reading thisPrivacy Notice will help you understand your privacy rights and choices. We areresponsible for making decisions about how your personal information isprocessed. If you do not agree with our policies and practices, please do notuse our Services. If you still have any questions or concerns, please contactus at hello@lendnav.com.
SUMMARY OF KEY POINTS
This summaryprovides key points from our Privacy Notice, but you can find out more detailsabout any of these topics by clicking the link following each key point or byusing our table ofcontents below to find the section you are looking for.
What personal information do weprocess? When you visit, use, or navigate our Services, we may processpersonal information depending on how you interact with us and the Services,the choices you make, and the products and features you use. Learn more about personalinformation you disclose to us.
Do we process any sensitive personal information? Some of theinformation may be considered "special" or "sensitive" incertain jurisdictions, for example your racial or ethnic origins, sexualorientation, and religious beliefs. We may process sensitive personalinformation when necessary with your consent or as otherwise permitted byapplicable law. Learn more about sensitiveinformation we process.
Do we collectany information from third parties? We do not collect any information from third parties.
How do we process yourinformation? We process your information to provide, improve, and administerour Services, communicate with you, for security and fraud prevention, and tocomply with law. We may also process your information for other purposes withyour consent. We process your information only when we have a valid legalreason to do so. Learn more about how we processyour information.
In what situations and with whichtypes of parties do we share personal information? We may shareinformation in specific situations and with specific categories of thirdparties. Learn more about when and withwhom we share your personal information.
How do we keep your information safe? We haveadequate organizational and technical processes and procedures in place toprotect your personal information. However, no electronic transmission over theinternet or information storage technology can be guaranteed to be 100% secure,so we cannot promise or guarantee that hackers, cybercriminals, or otherunauthorized third parties will not be able to defeat our security andimproperly collect, access, steal, or modify your information. Learn more about how we keepyour information safe.
What are your rights? Depending on where you arelocated geographically, the applicable privacy law may mean you have certainrights regarding your personal information. Learn more about your privacyrights.
How do you exercise your rights? The easiestway to exercise your rights is by submitting a data subjectaccess request , or by contacting us. We will consider and act upon anyrequest in accordance with applicable data protection laws.
Want to learn more about what we do with any informationwe collect? Review the Privacy Notice in full.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE PROCESS YOURINFORMATION?
3. WHAT LEGAL BASES DO WE RELY ON TOPROCESS YOUR PERSONAL INFORMATION?
4. WHEN AND WITH WHOM DO WE SHAREYOUR PERSONAL INFORMATION?
5. DO WE USE COOKIES AND OTHERTRACKING TECHNOLOGIES?
6. HOW LONG DO WE KEEP YOURINFORMATION?
7. HOW DO WE KEEP YOUR INFORMATIONSAFE?
8. DO WE COLLECT INFORMATION FROMMINORS?
9. WHAT ARE YOUR PRIVACY RIGHTS?
10. CONTROLS FOR DO-NOT-TRACK FEATURES
11. DO UNITED STATES RESIDENTS HAVESPECIFIC PRIVACY RIGHTS?
12. DO WE MAKE UPDATES TO THIS NOTICE?
13. HOW CAN YOU CONTACT US ABOUT THISNOTICE?
14. HOW CAN YOU REVIEW, UPDATE, ORDELETE THE DATA WE COLLECT FROM YOU?
1. WHAT INFORMATION DO WECOLLECT?
Personal information you disclose to us
In Short: We collectpersonal information that you provide to us.
We collectpersonal information that you voluntarily provide to us when you express aninterest in obtaining information about us or our products and Services, whenyou participate in activities on the Services, or otherwise when you contactus.
Personal Information Provided by You. The personalinformation that we collect depends on the context of your interactions with usand the Services, the choices you make, and the products and features you use.The personal information we collect may include the following:
names
phone numbers
email addresses
mailing addresses
Sensitive Information. When necessary, with your consentor as otherwise permitted by applicable law, we process the followingcategories of sensitive information:
financial data
credit worthiness data
social security numbers or othergovernment identifiers
All personal information that you provide to us must betrue, complete, and accurate, and you must notify us of any changes to suchpersonal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP)address and/or browser and device characteristics — is collected automaticallywhen you visit our Services.
Weautomatically collect certain information when you visit, use, or navigate theServices. This information does not reveal your specific identity (like yourname or contact information) but may include device and usage information, suchas your IP address, browser and device characteristics, operating system,language preferences, referring URLs, device name, country, location,information about how and when you use our Services, and other technicalinformation. This information is primarily needed to maintain the security andoperation of our Services, and for our internal analytics and reportingpurposes.
Like many businesses, we also collect information throughcookies and similar technologies.
The information we collect includes:
Log and Usage Data. Log and usage data isservice-related, diagnostic, usage, and performance information our serversautomatically collect when you access or use our Services and which we recordin log files. Depending on how you interact with us, this log data may includeyour IP address, device information, browser type, and settings and informationabout your activity in the Services (such as the date/time stamps associatedwith your usage, pages and files viewed, searches, and other actions you takesuch as which features you use), device event information (such as systemactivity, error reports (sometimes called "crash dumps"), andhardware settings).
DeviceData. We collect device data such as information about your computer,phone, tablet, or other device you use to access the Services. Depending on thedevice used, this device data may include information such as your IP address(or proxy server), device and application identification numbers, location,browser type, hardware model, Internet service provider and/or mobile carrier,operating system, and system configuration information.
Location Data. We collect location data such asinformation about your device's location, which can be either precise orimprecise. How much information we collect depends on the type and settings ofthe device you use to access the Services. For example, we may use GPS andother
technologies tocollect geolocation data that tells us your current location (based on your IPaddress). You can opt out of allowing us to collect this information either byrefusing access to the information or by disabling your Location setting onyour device. However, if you choose to opt out, you may not be able to usecertain aspects of the Services.
2. HOW DO WE PROCESS YOURINFORMATION?
In Short: We process your information to provide, improve, andadminister our Services, communicate with you, for security and fraudprevention, and to comply with law. We may also process your information forother purposes with your consent.
We process yourpersonal information for a variety of reasons, depending on how you interactwith our Services, including:
Todeliver and facilitate delivery of services to the user. We may process your informationto provide you with the requested service.
Tosend you marketing and promotional communications. We may processthe personal information you send to us for our marketing purposes, if this is in accordance with your marketingpreferences. You can opt out of our marketing emails at any time. For moreinformation, see " WHAT ARE YOUR PRIVACY RIGHTS? " below.
3. WHAT LEGAL BASES DO WERELY ON TO PROCESS YOUR INFORMATION?
In Short: We only process your personal information when we believeit is necessary and we have a valid legal reason (i.e., legal basis) to do sounder applicable law, like with your consent, to comply with laws, to provideyou with services to enter into or fulfill our contractual obligations, toprotect your rights, or to fulfill our legitimate business interests.
If you are located in Canada, this section applies to you.
We may processyour information if you have given us specific permission (i.e., expressconsent) to use your personal information for a specific purpose, or insituations where your permission can be inferred (i.e., implied consent). Youcanwithdraw yourconsent at any time.
In some exceptional cases, we may be legally permittedunder applicable law to process your information without your consent,including, for example:
If collection is clearly in theinterests of an individual and consent cannot be obtained in a timely way
For investigations and frauddetection and prevention
For business transactions providedcertain conditions are met
If it is contained in a witnessstatement and the collection is necessary to assess, process, or settle aninsurance claim
For identifying injured, ill, ordeceased persons and communicating with next of kin
If we have reasonable grounds tobelieve an individual has been, is, or may be victim of financial abuse
If it isreasonable to expect collection and use with consent would compromise theavailability or the accuracy of the information and the collection isreasonable for purposes related to investigating a breach of an agreement or acontravention of the laws of Canada or a province
If disclosure is required tocomply with a subpoena, warrant, court order, or rules of the court relating tothe production of records
If it wasproduced by an individual in the course of their employment, business, orprofession and the collection is consistent with the purposes for which theinformation was produced
If the collection is solely forjournalistic, artistic, or literary purposes
If the information is publiclyavailable and is specified by the regulations
4. WHEN AND WITH WHOM DO WESHARE YOUR PERSONAL INFORMATION?
In Short: We may shareinformation in specific situations described in this section and/or with thefollowing categories of third parties.
Vendors, Consultants, and Other Third-Party ServiceProviders. We may share your data with third-party vendors, serviceproviders, contractors, or agents ( "thirdparties") who perform services for us or on our behalf and requireaccess to such information to do that work. We have contracts in place with ourthird parties, which are designed to help safeguard your personal information.This means that they cannot do anything with your personal information unlesswe have instructed them to do it. They will also not share your personalinformation with any organization apart from us. They also commit to protectthe data they hold on our behalf and to retain it for the period we instruct.
The categories of third parties wemay share personal information with are as follows:
Finance & Accounting Tools
Lenders and Finance Institutions
We also may need to share your personal information in thefollowing situations:
Business Transfers. We may share or transfer yourinformation in connection with, or during negotiations of, any merger, sale ofcompany assets, financing, or acquisition of all or a portion of our businessto another company.
Affiliates. We may shareyour information with our affiliates, in which case we will require thoseaffiliates to honor this Privacy Notice. Affiliates include our parent companyand any subsidiaries, joint venture partners, or other companies that wecontrol or that are under common control with us.
BusinessPartners. Wemay share your information with our business partners to offer you certainproducts, services, or promotions.
5. DO WE USE COOKIES ANDOTHER TRACKING TECHNOLOGIES?
In Short: We may usecookies and other tracking technologies to collect and store your information.
We may usecookies and similar tracking technologies (like web beacons and pixels) togather information when you interact with our Services. Some online trackingtechnologies help us maintain the security of our Services, prevent crashes,fix bugs, save your preferences, and assist with basic site functions.
We also permitthird parties and service providers to use online tracking technologies on ourServices for analytics and advertising, including to help manage and displayadvertisements, to tailor advertisements to your interests, or to sendabandoned shopping cart reminders (depending on your communicationpreferences). The third parties and service providers use their technology toprovide advertising about products and services tailored to your interestswhich may appear either on our Services or on other websites.
Tothe extent these online tracking technologies are deemed to be a"sale"/"sharing" (which includes targeted advertising, asdefined under the applicable laws) under applicable US state laws, you can opt outof these online tracking technologies by submitting a request as describedbelow under section " DO UNITED STATESRESIDENTS HAVE SPECIFIC PRIVACY RIGHTS? "
Specific information about how we use such technologiesand how you can refuse certain cookies is set out in our Cookie Notice .
6. HOW LONG DO WE KEEP YOURINFORMATION?
In Short: We keep yourinformation for as long as necessary to fulfill the purposes outlined in thisPrivacy Notice unless otherwise required by law.
We will only keepyour personal information for as long as it is necessary for the purposes setout in this Privacy Notice, unless a longer retention period is required orpermitted by law (such as tax, accounting, or other legal requirements).
When we have noongoing legitimate business need to process your personal information, we willeither delete or anonymize such information, or, if this is not possible (forexample, because your personal information has been stored in backup archives),then we will securely store your personal information and isolate it from anyfurther processing until deletion is possible.
7. HOW DO WE KEEP YOURINFORMATION SAFE?
In Short: We aim toprotect your personal information through a system of organizational andtechnical security measures.
We have implemented appropriateand reasonable technical and organizational security measures designed toprotect the security of any personal information we process. However, despiteour safeguards and efforts to secure your information, no electronictransmission over the Internet or information storage technology can beguaranteed to be 100% secure, so we cannot promise or guarantee that hackers,cybercriminals, or other unauthorized third parties will not be able to defeatour security and improperly collect, access, steal, or modify your information.Although we will do our best to protect your personal information, transmissionof personal information to and from our Services is at your own risk. Youshould only access the Services within a secure environment.
8. DO WE COLLECT INFORMATIONFROM MINORS?
In Short: We do notknowingly collect data from or market to children under 18 years of age.
We do notknowingly collect, solicit data from, or market to children under 18 years ofage, nor do we knowingly sell such personal information. By using the Services,you represent that you are at least 18 or that you are the parent or guardianof such a minor and consent to such minor dependent’s use of the
Services. If welearn that personal information from users less than 18 years of age has beencollected, we will deactivate the account and take reasonable measures topromptly delete such data from our records. If you become aware of any data wemay have collected from children under age 18, please contact us athello@lendnav.com .
9. WHAT ARE YOUR PRIVACYRIGHTS?
InShort: Depending onyour state of residence in the US or in some regions, such as Canada, you haverights that allow you greater access to and control over your personal information.You may review, change, or terminate your account at any time, depending onyour country, province, or state of residence.
In some regions(like Canada), you have certain rights under applicable data protection laws.These may include the right (i) to request access and obtain a copy of yourpersonal information, (ii) to request rectification or erasure; (iii) torestrict the processing of your personal information; (iv) if applicable, todata portability; and (v) not to be subject to automated decision-making. Incertain circumstances, you may also have the right to object to the processingof your personal information. You can make such a request bycontacting us by using the contact details provided in the section " HOW CAN YOU CONTACT US ABOUT THISNOTICE? " below.
We will consider and act upon any request in accordancewith applicable data protection laws.
Withdrawing your consent: If we arerelying on your consent to process your personal information, which may beexpress and/or implied consent depending on the applicable law, you have theright to withdraw your consent at any time. You can withdraw your consent atany time by contacting us by using the contact details provided in the section"HOW CAN YOUCONTACT US ABOUT THIS NOTICE? " below.
However, please note that thiswill not affect the lawfulness of the processing before its withdrawal nor,when applicable law allows, will it affect the processing of your personalinformation conducted in reliance on lawful processing grounds other thanconsent.
Opting out of marketing and promotional communications: You canunsubscribe from our marketing and promotional communications at any time byclicking on the unsubscribe link in the emails that we send, replying"STOP" or "UNSUBSCRIBE" to the SMS messages that we send,or by contacting us using the details provided in the section " HOW CAN YOUCONTACT US ABOUT THIS NOTICE? " below. You will then be removed from the marketinglists. However, we may still communicate with you — for example, to send youservice-related messages that are necessary for the administration and use ofyour account, to respond to service requests, or for other non-marketingpurposes.
No mobileinformation will be shared with third parties or affiliates for marketing orpromotional purposes. Information sharing to subcontractors in supportservices, such as customer service, is permitted. All other use case categoriesexclude text messaging originator opt-in data and consent; this informationwill not be shared with third parties.
Cookies and similar technologies: Most Webbrowsers are set to accept cookies by default. If you prefer, you can usuallychoose to set your browser to remove cookies and to reject cookies. If youchoose to remove cookies or reject cookies, this could affect certain featuresor services of our Services.
If you have questions or comments about your privacyrights, you may email us at hello@lendnav.com.
10. CONTROLS FOR DO-NOT-TRACKFEATURES
Most webbrowsers and some mobile operating systems and mobile applications include aDo-Not-Track ("DNT" ) feature or setting you can activate to signalyour privacy preference not to have data about your online browsing activitiesmonitored and collected. At this stage, no uniform technology standard forrecognizing and implementing DNT signals has been finalized. As such, we do notcurrently respond to DNT browser signals or any other mechanism thatautomatically communicates your choice not to be tracked online. If a standardfor online tracking is adopted that we must follow in the future, we willinform you about that practice in a revised version of this Privacy Notice.
California lawrequires us to let you know how we respond to web browser DNT signals. Becausethere currently is not an industry or legal standard for recognizing orhonoring DNT signals, we do not respond to them at this time.
11. DO UNITED STATESRESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: If you are a resident of California, Colorado,Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota,Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee,Texas, Utah, or Virginia, you may have the right to request access to andreceive details about the personal information we maintain about you and how wehave processed it, correct inaccuracies, get a copy of, or delete your personalinformation. You may also have the right to withdraw your consent to ourprocessing of your personal information. These rights may be limited in somecircumstances by applicable law. More information is provided below.
Categories of Personal Information We Collect
We have collected the following categories of personalinformation in the past twelve (12) months:
Category
Examples
Collected
A. Identifiers
B. Personalinformation as defined in the California Customer Records statute
C. Protectedclassification characteristics under state or federal law
D. Commercial information
E. Biometric information
F. Internet or other similar networkactivity
G. Geolocation data
H. Audio, electronic, sensory, orsimilar information
I. Professional or employment-relatedinformation
J. Education Information
K. Inferencesdrawn from collected personal information
L. Sensitive personal Information
Contactdetails, such as real name, alias, postal address, telephone or mobile contactnumber, unique personal identifier, online identifier, Internet Protocoladdress, email address, and account name
Name, contactinformation, education, employment, employment history, and financialinformation
Gender, age,date of birth, race and ethnicity, national origin, marital status, and otherdemographic data
Transactioninformation, purchase history, financial details, and payment information
Fingerprints and voiceprints
Browsinghistory, search history, online behavior, interest data, and interactions withour and other websites, applications, systems, and advertisements
Device location
Images andaudio, video or call recordings created in connection with our businessactivities
Businesscontact details in order to provide you our Services at a business level or jobtitle, work history, and professional qualifications if you apply for a jobwith us
Student records and directory information
Inferencesdrawn from any of the collected personal information listed above to create aprofile or summary about, for example, an individual’s preferences andcharacteristics
Drivers'licenses , financial information including account access details and socialsecurity numbers
YES
YES
YES
NO
NO
NO
NO
NO
YES
NO
NO
YES
We only collectsensitive personal information, as defined by applicable privacy laws or thepurposes allowed by law or with your consent. Sensitive personal informationmay be used, or disclosed to a service provider or contractor, for additional,specified purposes. You may have the right to limit the use or disclosure ofyour sensitive personal information. We do not collect or process sensitivepersonal information for the purpose of inferring characteristics about you.
We may also collect other personalinformation outside of these categories through instances where you interactwith us in person, online, or by phone or mail in the context of:
Receiving help through ourcustomer support channels;
Participation in customer surveysor contests; and
Facilitation in the delivery ofour Services and to respond to your inquiries.
We will use and retain the collected personal informationas needed to provide the Services or for:
Category A - As long as the userhas an account with us
Category B - As long as the userhas an account with us
Category C - As long as the userhas an account with us
Category I - As long as the userhas an account with us
Category L - As long as the userhas an account with us
Sources of Personal Information
Learn more about the sources of personal information wecollect in " WHAT INFORMATION DO WE COLLECT? "
How We Use and Share Personal Information
Learn more about how we use your personal information inthe section, " HOW DO WE PROCESS YOURINFORMATION? "
Will yourinformation be shared with anyone else?
We may discloseyour personal information with our service providers pursuant to a writtencontract between us and each service provider. Learn more about how we disclosepersonal information to in the section, " WHEN AND WITHWHOM DO WE SHARE YOUR PERSONAL INFORMATION? "
We may use yourpersonal information for our own business purposes, such as for undertakinginternal research for technological development and demonstration. This is notconsidered to be "selling" of your personal information.
We have notsold or shared any personal information to third parties for a business orcommercial purpose in the preceding twelve (12) months. We have disclosed thefollowing categories of personal information to third parties for a business orcommercial purpose in the preceding twelve (12) months:
Category A. Identifiers
Category B. Personal informationas defined in the California Customer Records law
Category C . Characteristics ofprotected classifications under state or federal law
Category I . Professional oremployment-related information
Category L . Sensitive personalinformation
The categories of third parties to whom we disclosedpersonal information for a business or commercial purpose can be found under" WHEN AND WITH WHOM DO WESHARE YOUR PERSONAL INFORMATION? "
Your Rights
You have rightsunder certain US state data protection laws. However, these rights are not absolute,and in certain cases, we may decline your request as permitted by law. Theserights include:
Rightto know whetheror not we are processing your personal data
Rightto access yourpersonal data
Rightto correct inaccuraciesin your personal data
Rightto request thedeletion of your personal data
Rightto obtain a copyof the personal data you previously shared with us
Rightto non-discriminationfor exercising your rights
Rightto opt out of the processing of your personal data if it is used fortargeted advertising (or sharing as defined under California’s privacy law) ,the sale of personal data, or profiling in furtherance of decisions thatproduce legal or similarly significant effects ( "profiling" )
Depending upon the state where you live, you may also havethe following rights:
Right to access the categories ofpersonal data being processed (as permitted by applicable law, including theprivacy law in Minnesota)
Right to obtaina list of the categories of third parties to which we have disclosed personaldata (as permitted by applicable law, including the privacy law in California,Delaware, and Maryland )
Right to obtaina list of specific third parties to which we have disclosed personal data (aspermitted by applicable law, including the privacy law in Minnesota and Oregon)
Right toreview, understand, question, and correct how personal data has been profiled(as permitted by applicable law, including the privacy law in Minnesota)
Right to limit use and disclosureof sensitive personal data (as permitted by applicable law, including theprivacy law in California)
Right to optout of the collection of sensitive data and personal data collected through theoperation of a voice or facial recognition feature (as permitted by applicablelaw, including the privacy law in Florida)
How to Exercise Your Rights
To exercisethese rights, you can contact us by submitting a data subjectaccess request, by emailing us at hello@lendnav.com , by visiting http://www.lendnav.com , or by referring to the contact details at the bottom of thisdocument.
Under certainUS state data protection laws, you can designate an authorized agent to make arequest on your behalf. We may deny a request from an authorized agent thatdoes not submit proof that they have been validly authorized to act on yourbehalf in accordance with applicable laws.
Request Verification
Upon receiving your request, wewill need to verify your identity to determine you are the same person aboutwhom we have the information in our system. We will only use personalinformation provided in your request to verify your identity or authority tomake the request. However, if we cannot verify your identity from theinformation already maintained by us, we may request that you provideadditional information for the purposes of verifying your identity and forsecurity or fraud-prevention purposes.
If you submitthe request through an authorized agent, we may need to collect additionalinformation to verify your identity before processing your request and theagent will need to provide a written and signed permission from you to submitsuch request on your behalf.
Appeals
Under certainUS state data protection laws, if we decline to take action regarding yourrequest, you may appeal our decision by emailing us at hello@lendnav.com . Wewill inform you in writing of any action taken or not taken in response to theappeal, including a written explanation of the reasons for the decisions. Ifyour appeal is denied, you may submit a complaint to your state attorneygeneral.
California "Shine The Light" Law
California Civil Code Section1798.83, also known as the "Shine The Light" law, permits our userswho are California residents to request and obtain from us, once a year andfree of charge, information about categories of personal information (if any)we disclosed to third parties for direct marketing purposes and the names andaddresses of all third parties with which we shared personal information in theimmediately preceding calendar year. If you are a California resident and would like to make such a request, please submityour request in writing to us by using the contact details provided in thesection " HOW CAN YOU CONTACT USABOUT THIS NOTICE? "
12. DO WE MAKE UPDATES TOTHIS NOTICE?
In Short: Yes, we willupdate this notice as necessary to stay compliant with relevant laws.
We may updatethis Privacy Notice from time to time. The updated version will be indicated byan updated "Revised" date at the top of this Privacy Notice. If wemake material changes to this Privacy Notice, we may notify you either byprominently posting a notice of such changes or by directly sending you anotification. We encourage you to review this Privacy Notice frequently to beinformed of how we are protecting your information.
13. HOW CAN YOU CONTACT USABOUT THIS NOTICE?
If you have questions or comments about this notice, youmay email us at hello@lendnav.com or contact us by post at:
LendNav LLC
180 Boardwalk Unit 411
Long Beach , NY 11561
United States
14. HOW CAN YOU REVIEW,UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on theapplicable laws of your country or state of residence in the US , you may havethe right to request access to the personal information we collect from you,details about how we have processed it, correct inaccuracies, or delete yourpersonal information. You may also have the right to withdraw your consent toour processing of your personal information. These rights may be limited insome circumstances by applicable law. To request to review, update, or deleteyour personal information, please fill out and submit a data subjectaccess request .