Privacy Policy

Effective Date: 01 January 2025.

1. Introduction

Welcome to LendMesh.com! Your privacy matters to us. This Privacy Policy outlines how LendMesh (“we,” “us,” or “our”) collects, uses, discloses, and protects your information. By using our services, you agree to this Privacy Policy.

This Privacy Policy explains:

By using our services, you agree to this Privacy Policy. If you disagree, please do not use our website.

If you have questions or concerns, please get in touch with us at contact page.


2. Information We Collect

This section outlines how LendMesh.com collects, uses, and discloses personal data pursuant to the California Consumer Privacy Act (CCPA). During at least the past 12 months, we have collected and disclosed personal data for the purposes described below.


Categories of Personal Information and Purposes for Collection

Categories of Personal InformationPurpose for Collection
Personal Identifiers: Name, alias, postal address, email address, phone number, IP address, online identifiers, account name, government ID, login credentials, or financial data.- To register and secure your account.
- Respond to calls, messages, and inquiries.
- Verify your identity and eligibility for services.
- Provide access to loan comparison tools and personalized recommendations.
- Direct you to partner websites.
- Process transactions or requests you initiate.
- Provide customer service and support.
- Send personalized rate updates or loan notifications.
- Track user engagement and compensate partners where applicable.
Protected Classification Characteristics: Age, marital status, citizenship, sex, or national origin (if applicable).- To verify eligibility for specific products or promotions.
- To comply with regulatory requirements.
Commercial Information: Loan products or services considered, purchased, or requested, and browsing behavior related to such services.- To analyze user preferences and provide personalized loan options.
- To offer competitive rates and savings insights.
Internet or Network Activity: Browsing history, search history, referral URLs, and interaction with our website or advertisements.- To optimize website performance and functionality.
- To analyze usage patterns for service improvements.
- To target and deliver relevant advertisements.
- To measure the effectiveness of our campaigns.
Geolocation Information: Approximate or precise location data collected with your consent.- To provide location-based offers and tools.
- To deliver personalized loan information based on location.
- To comply with fraud prevention efforts.
Audio or Visual Information: Call recordings, audio messages, or on-screen interactions (where permitted).- To provide customer support and ensure service quality.
- To review interactions for training and improvement purposes.
Inferences: Derived from the above data to create profiles reflecting preferences, characteristics, or behavior.- To personalize recommendations for loan products and rate notifications.
- To improve our services and communications.

How Do We Use Your Data?

At LendMesh.com, we use your data to provide, improve, and secure our services while ensuring a seamless experience for you.

a. Providing Our Services and Carrying Out Your Requests

We use your data to:

b. Improving and Promoting Our Services

To enhance your experience and improve our offerings, we use your data to:

Note: We do not use your data for automated profiling that could result in legal or similar significant effects.

c. Operating and Securing Our Business

As part of running and protecting our business operations, we may use your data to:


How Do We Use Cookies?

Cookies are small text files that are stored on your device when you visit websites. Like many other websites, LendMesh.com uses cookies and similar tools to enhance your browsing experience, improve our services, and target relevant advertising.

Why Do We Use Cookies?

We use cookies for the following purposes:

  1. Essential Cookies:

    • These cookies are necessary to provide core website functionality, such as secure login, navigation, and ensuring the website works properly.

    • Without these cookies, some services may not function correctly.

  2. Performance and Analytics Cookies:

    • To understand how you interact with our website, such as which pages you visit most often, how long you stay on a page, and what links you click.

    • This helps us analyze website performance and improve the user experience.

  3. Functional Cookies:

    • These cookies remember your preferences and choices (e.g., location settings, account details, and saved loan searches) to personalize your experience.
  4. Advertising and Targeting Cookies:

    • To deliver tailored advertisements to you based on your interests and browsing history.

    • These cookies allow us to measure the effectiveness of our campaigns and advertising strategies.

  5. Third-Party Cookies:

    • We may use cookies set by trusted third parties, such as analytics providers (e.g., Google Analytics) and advertising networks, to provide insights and improve your experience.

Managing Cookies

You can control and manage cookies through your browser settings:

Please Note: If you choose to disable cookies, some features of our website, including personalized loan recommendations, may not work as intended.


When Do We Share Data with Others?

To provide our Services, operate our business, and fulfill legal obligations, we may share certain data with trusted third parties. We only share data when it is necessary, and we take appropriate measures to safeguard your information.

1. Sharing with Our Service Partners

We share your data with partners whose products or services you choose or interact with on our platform.

2. Sharing with Service Providers Who Support Our Business

We work with third-party service providers who assist us in delivering, securing, and improving our platform. These providers process your data only on our behalf and as directed by us.

We ensure these providers implement strong privacy and security measures when handling your data.

3. Sharing for Legal and Business Protection

We may share data with third parties when required to comply with the law or to protect our rights, interests, and those of our partners.

4. Sharing in Business Transfers

In the event of a merger, acquisition, restructuring, or sale of assets, your data may be shared with the acquiring company or relevant parties.

5. Other Disclosures with Your Consent

In certain circumstances, we may share your data for purposes not described here. In such cases, we will obtain your explicit consent before doing so.

We Do Not Sell Your Data

We do not sell, rent, or loan your personal data to third parties for monetary gain. However, certain data-sharing activities (e.g., with advertising or analytics providers) may be considered a “sale” under state privacy laws like the California Consumer Privacy Act (CCPA). You can learn more in the Your Privacy Choices section of our Privacy Policy.


Social Features

Some of our Services allow you to use "Social Features" provided by third-party platforms. These features enable you to interact with social media networks and other platforms directly from our website or services.

Examples of Social Features

How Social Features Work and Data Access

If you choose to use Social Features:

  1. Data Sharing: Both LendMesh and the social media provider may have access to certain data about your use of these features.

    • For example, if you are logged into your social media account while visiting our website, the provider may link your activity on our website with other personal data they already hold about you.
  2. Ad Personalization:

    • We (and others) may use this data to deliver targeted advertisements to you based on your interests on social media platforms.

    • For example, you may see ads for loan products or financial tools when using Facebook or Instagram after interacting with our site.

  3. Accessing Social Media Data:

    • With your consent, we may request access to specific information from your social media account (e.g., profile details, posts, contacts).

    • For example, we may ask for permission to:

      • Collect data to personalize your experience.

      • Share content (like loan savings updates) to your social media contacts on your behalf.

  4. Third-Party Privacy Practices:

    • When using Social Features, your use of these services is also governed by the respective platform's privacy policies and terms.

    • We encourage you to review their privacy practices to understand how they handle your data.


Why We Can Use Your Data

To collect and use your data, LendMesh.com must have a valid legal basis. The reasons for using your data depend on the specific purpose but typically fall into the following categories:

1. Contractual Necessity

We use your data when it is necessary to fulfill a contract we have with you, or to take steps at your request before forming a contract. For example:

2. Consent

We use your data when you have given us your explicit consent. Consent is often required for specific uses of your data, and you can withdraw it at any time. For example:

3. Legal Obligation

We may need to use your data to comply with our legal and regulatory duties. For example:

4. Legitimate Business Purposes

We may use your data for purposes that are necessary for the legitimate interests of our business, provided those interests do not override your privacy rights. Examples include:


How Long Do We Keep Your Data?

We retain your data only for as long as necessary to provide you with our Services and to fulfill our business, legal, and regulatory obligations.

How We Determine Data Retention Periods

To determine the appropriate retention period, we consider the following factors:

  1. The Amount and Type of Data:

    • We assess the sensitivity and volume of the data we hold.
  2. Purpose of Data Use:

    • We keep your data for as long as it is needed to provide the services you requested, such as rate comparisons, savings advice, and personalized loan updates.
  3. Risks of Unintended Use or Disclosure:

    • We evaluate the potential risks to you in the event of unauthorized access or misuse.
  4. Minimization:

    • We explore whether we can achieve the same results with less data or by anonymizing certain data.

Your Rights and Data Control

You have the right to request deletion of your personal data where applicable. For more information on how to exercise this right, please refer to the Your Rights and Choices section of our Privacy Policy.


Your Rights and Choices

At LendMesh.com, we respect your privacy and provide you with options to manage your personal data. Depending on applicable laws, such as the California Consumer Privacy Act (CCPA) or other regulations, you may have the following rights:

1. Right to Access Your Data

You can request:

2. Right to Correct Your Data

You can request corrections to any inaccurate, incomplete, or outdated personal data we hold about you.

3. Right to Delete Your Data

You may request the deletion of your personal data, subject to certain exceptions where we need to retain the data, such as:

4. Right to Opt-Out of Data Sharing or Sale

While LendMesh does not sell your data for monetary gain, some data-sharing practices (e.g., with advertising networks or analytics providers) may be considered a “sale” under privacy laws like the CCPA.

Response Time

We will respond to your request within the time required by law (e.g., 45 days for CCPA requests, if you don’t hear from us in 30 days, please send us another reminder). If we need more time, we will notify you of the delay and explain the reason.


How Do We Keep Your Data Safe?

At LendMesh.com, we take the protection of your data very seriously. We use industry-leading practices, tools, and security measures to safeguard your personal information and ensure it is protected against unauthorized access, use, or disclosure.

Our Approach to Data Security

We have implemented the following safeguards to keep your data secure:

  1. Technical Safeguards:

    • Encryption: Sensitive data is encrypted during storage and transmission using secure protocols (e.g., HTTPS, SSL/TLS).

    • Firewalls and Monitoring Tools: We use advanced firewalls, intrusion detection systems, and continuous monitoring to prevent unauthorized access.

    • Data Minimization: We only collect and store data necessary for providing our Services.

  2. Administrative Safeguards:

    • Access Controls: Only authorized personnel with a valid business need can access your data.

    • Training: Our team members are trained in data protection and security best practices.

    • Regular Audits: We review and update our security protocols to address emerging threats.

  3. Physical Safeguards:

    • Data is stored in secure facilities with restricted access, monitored 24/7 to prevent physical breaches.

    Your Role in Keeping Data Safe

    While we work diligently to protect your data, no method of transmission over the internet or electronic storage is completely secure. You also play an important role in keeping your data safe:

  4. Create Strong Passwords: If you create an account, use a strong, unique password and do not share it with anyone.

  5. Protect Your Devices: Ensure your devices (computers, phones) are secured with updated software and antivirus tools.

  6. Monitor Your Account: If you believe your account has been compromised, notify us immediately at [Insert Contact Email].

    In Case of a Data Breach

    In the unlikely event of a security breach that compromises your personal data:

  7. We will promptly investigate the issue.

  8. We will notify you as soon as possible through email, messages, or other contact methods, as required by law.

  9. We will take immediate steps to minimize risks and ensure the integrity of our systems.


Subscription Service Details

As part of our subscription service, you can provide specific information to help us monitor market changes and deliver personalized savings insights tailored to your needs.

Information You Provide

When you use our subscription service, you may input:

Purpose of the Subscription Service

We use the data you provide to:

How We Protect Your Subscription Data

We are committed to keeping your data secure and ensuring it is used responsibly:

  1. No Data Sales or Sharing:

    • We do not sell, rent, or share your subscription data with third parties for marketing purposes.
  2. Strict Use Limitations:

    • Your data is used exclusively to provide personalized notifications, rate monitoring, and savings insights.
  3. Data Security Measures:

    • All subscription data is encrypted during transmission and storage.

    • Access to your data is strictly limited to authorized personnel for service delivery.

  4. Your Control:

    • You can modify or delete your subscription data at any time by accessing your account or contacting us.

Third-Party Links

Our Services may contain links to third-party websites, including those of banks, credit unions, loan providers, or other financial institutions. These links are provided for your convenience and to help you explore financial products and services that may interest you.

What You Should Know

Your Responsibility

Before submitting any personal information on a third-party website, we encourage you to:


Children's Privacy

Our Services are designed for individuals aged 18 and older. We do not knowingly collect, use, or store personal data from individuals under the age of 18.

What Happens if We Learn a Minor’s Data Was Collected?

If we discover that we have inadvertently collected personal information from an individual under 18:

  1. We will take immediate steps to delete the data from our systems.

  2. We may ask for additional information to verify the individual’s age, if necessary.

Parental Involvement

If you are a parent or legal guardian and believe that your child has provided personal data to us without your consent, please contact us immediately at or send us the request from contact us page:

We will work promptly to investigate and address the issue.

Compliance

We adhere to applicable laws regarding children’s privacy, including the Children's Online Privacy Protection Act (COPPA), which regulates the collection of data from children under 13 in the U.S.


State-Specific Privacy Rights

Certain states provide residents with specific rights regarding their personal data. If you reside in these states, you may exercise the rights described below.

California Residents (CCPA)

Under the California Consumer Privacy Act (CCPA), California residents have the following rights:

  1. Right to Know:

    • You can request details about the personal information we collect, disclose, or share about you.

    • This includes the categories of personal data, sources of collection, purposes for use, and categories of third parties to whom data was disclosed.

  2. Right to Request Deletion:

    • You can request the deletion of your personal data, subject to exceptions (e.g., legal compliance, fraud prevention).
  3. Right to Opt-Out of Data Sale:

    • While LendMesh does not sell personal data for monetary gain, certain data-sharing activities (e.g., with advertising platforms) may be considered a "sale" under the CCPA.

    • You can opt-out of such data sharing by contacting us.

  4. Right to Non-Discrimination:

    • Exercising your CCPA rights will not result in any denial of service, different pricing, or discriminatory treatment.

How to Exercise Your Rights:
To make a request under the CCPA, you may:

Nevada Residents

Under Nevada SB 220, Nevada residents have the right to opt out of the sale of their personal information to third parties.

How to Exercise Your Right:
If you wish to opt out, please:

Future State Laws

As privacy laws evolve in other states (e.g., Colorado, Virginia, and others), we will update this section to reflect your rights under applicable laws.


12. Changes to This Privacy Policy

We may update this policy from time to time. Changes will be posted here, along with the updated “Effective Date.”


13. Contact Us

If you have questions or concerns, please reach out from contact us page: Contact Us