Lending.Pal Privacy Policy (US)

  1. Introduction
    Lending.Pal ("Lending.Pal," "we," "us," or "our") values your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, and related services (collectively, the "Services"). By using the Services, you consent to the data practices described in this policy.
  2. Information We Collect
    • Personal Information: We collect information that identifies, relates to, or could reasonably be linked with you, such as your name, email address, phone number, bank account information, and payment details.
    • Usage Information: We collect information about your interactions with our Services, including IP address, browser type, operating system, device information, and browsing patterns.
    • Third-Party Sources: We may receive information about you from third-party sources, such as social media platforms or partners, and combine it with the information we collect directly from you.
  3. How We Use Your Information
    • To Provide Services: We use your information to operate and maintain the Services, process transactions, and provide customer support.
    • To Communicate: We may use your information to communicate with you about your account, provide updates, send marketing messages (with your consent), and respond to your inquiries.
    • For Research and Development: We may use your information to understand how users interact with our Services, to improve our offerings, and to develop new products and features.
    • For Legal Compliance: We may use your information to comply with legal obligations, resolve disputes, and enforce our agreements.
  4. Sharing Your Information
    • Service Providers: We may share your information with third-party service providers who assist us in operating our Services, such as payment processors, hosting providers, and analytics services.
    • Legal Obligations: We may disclose your information if required by law, such as in response to a subpoena or court order, or to protect the rights, property, or safety of Lending.Pal, our users, or others.
    • Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
  5. Data Security
    We implement reasonable security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no security system is impenetrable, and we cannot guarantee the absolute security of your data.
  6. Your Choices
    • Account Information: You can access, update, or delete your account information by logging into your account or contacting us.
    • Marketing Communications: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in the emails we send you or by contacting us directly.
    • Cookies: Most web browsers allow you to control cookies through your settings. You can choose to disable cookies, but this may affect your ability to use certain features of our Services.
  7. Children's Privacy
    Our Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will delete that information as quickly as possible.
  8. Your California Privacy Rights
    If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA), including the right to request information about our data collection practices, the right to request the deletion of your personal information, and the right to opt-out of the sale of your personal information.
  9. Changes to This Privacy Policy
    We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Effective Date" above. Your continued use of the Services after such changes will constitute your acceptance of the revised Privacy Policy.
  10. Contact Us
    If you have any questions about this Privacy Policy, please contact us at edward@thelendingpal.com

Lending.Pal Privacy Policy (UK/EU - GDPR Compliant)

  1. Introduction
    Lending.Pal ("Lending.Pal," "we," "us," or "our") is committed to protecting your privacy in accordance with the General Data Protection Regulation (GDPR). This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data when you use our website, mobile application, and related services (collectively, the "Services").
  2. Data Controller
    We may revise these Terms at any time. Any changes will be effective immediately upon posting on our website. We will notify you of significant changes via email or by placing a prominent notice on our site. Your continued use of the Services after such changes constitutes your acceptance of the revised Terms.
  3. Eligibility
    For the purposes of the GDPR, Lending.Pal is the data controller of your personal data. Our contact details are as follows:
    Data Controller: Lending.Pal
    Email: edward@thelendingpal.com
  4. Personal Data We Collect
    • Personal Data: This includes any information that can be used to identify you, such as your name, email address, phone number, financial information (bank account details, payment history), and any other information you provide when using our Services.
    • Usage Data: We collect data about how you interact with our Services, including your IP address, browser type, operating system, and device information.
    • Third-Party Data: We may receive information about you from third parties, such as social media platforms or partners, and combine it with data we collect directly from you.
  5. Legal Basis for Processing
    We process your personal data based on the following legal grounds:
    • Contractual Necessity: To provide the Services you have requested, such as processing payments or managing your account.
    • Consent: Where you have given explicit consent, such as for receiving marketing communications.
    • Legitimate Interests: For purposes such as improving our Services, preventing fraud, and ensuring the security of our platform.
    • Legal Obligation: To comply with legal requirements, such as tax or regulatory obligations.
  6. How We Use Your Personal Data
    • Service Delivery: To operate and manage the Services, including processing payments and providing customer support.
    • Communication: To send you service-related communications, marketing materials (with your consent), and respond to your inquiries.
    • Analytics: To analyze usage patterns and improve our Services.
    • Legal Compliance: To fulfill legal obligations, resolve disputes, and enforce our terms and conditions.
  7. Sharing Your Personal Data
    • Service Providers: We share your data with third-party service providers who assist us in delivering the Services, such as payment processors, IT service providers, and analytics providers.
    • Legal Compliance: We may disclose your data if required by law or to protect the rights, property, or safety of Lending.Pal, our users, or others.
    • Business Transfers: In the event of a business transfer, such as a merger or sale, your personal data may be transferred as part of the transaction.
  8. International Data Transfers
    Your personal data may be transferred to, and processed in, countries outside of the UK and the European Economic Area (EEA). We ensure that such transfers are compliant with the GDPR by implementing appropriate safeguards, such as the use of Standard Contractual Clauses approved by the European Commission.
  9. Data Security
    We use appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction. However, no security system is completely secure, and we cannot guarantee the absolute security of your data.
  10. Data Retention
    We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. When your data is no longer required, we will securely delete or anonymize it.
  11. Your Rights Under GDPR
    As a data subject under GDPR, you have the following rights:
    • Right of Access: You have the right to request access to your personal data that we hold.
    • Right to Rectification: You have the right to request that we correct any inaccuracies in your personal data.
    • Right to Erasure: You have the right to request the deletion of your personal data under certain conditions.
    • Right to Restrict Processing: You have the right to request that we limit the processing of your personal data in certain circumstances.
    • Right to Data Portability: You have the right to receive your personal data in a structured, commonly used, and machine-readable format and to transfer it to another controller.
    • Right to Object: You have the right to object to the processing of your personal data for direct marketing purposes or on grounds relating to your particular situation.
    • Right to Withdraw Consent: Where we rely on your consent to process your personal data, you have the right to withdraw your consent at any time.
    You can exercise these rights by contacting us at edward@thelendingpal.com
  12. Complaints
    If you believe that we have violated your data protection rights, you have the right to lodge a complaint with a supervisory authority in your jurisdiction.
  13. Changes to This Privacy Policy
    We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new Privacy Policy on our website and updating the "Effective Date" above.
  14. Contact Us
    For any questions or concerns regarding this Privacy Policy or our data practices, please contact us at edward@thelendingpal.com.
Contact Info

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+44 7791390637
Email us

edward@theLending.Pal.com
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