Privacy Policy

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:

What information we collect,
How we use it,
Who we share it with,
Your rights and choices,
How we secure your data.

If you disagree, please do not use our website.

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

2. Information We Collect

This section outlines how LendMesh.com collects, uses, and discloses personal data pursuant to the California Consumer Privacy Act (CCPA).

Categories of Personal Information and Purposes for Collection

Categories of Personal Information	Purpose for Collection
Personal Identifiers (e.g. Name, email, phone, IP, ID, financial data)	Register and secure your account Respond to messages and inquiries Verify identity and eligibility Provide personalized loan tools Process transactions Send notifications Track user engagement
Protected Characteristics (Age, sex, etc.)	Verify product eligibility Comply with regulations
Commercial Info (Loans viewed or purchased)	Analyze preferences Offer personalized options
Network Activity (Browsing, referrals)	Improve performance Analyze patterns Deliver relevant ads
Geolocation Info	Provide location-based offers Comply with fraud prevention
Audio/Visual Data	Support and training purposes
Inferences from Data	Personalize recommendations Improve communication

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

Register, verify, and secure your account.
Respond to your inquiries, calls, and messages.
Verify your identity and eligibility for our services.
Provide access to personalized loan offers and rate information.
Direct you to our partner websites for loan-related services.
Process transactions between you and our trusted partners.
Personalize your experience based on your preferences and data.
Keep your information updated and accurate.
Provide customer support and assistance.
Fulfill data rights requests, such as access or deletion requests.
Enable tools like social sharing or loan rate alerts.
Track user interactions and measure performance to get compensated by partners.

b. Improving and Promoting Our Services

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

Analyze usage trends, conduct research, and identify areas of improvement.
Optimize the presentation of our services, ensuring clarity and ease of use.
Develop better tools to deliver loan offers tailored to your needs.
Run surveys, promotions, or sweepstakes to engage with our users.
Send important updates and notifications about our services, where applicable.
Deliver personalized communication about our services and new offerings, including:
- Email updates
- Push notifications (with your consent)
- Social media promotions (e.g., Facebook, Instagram)
Share relevant information about trusted partner services that may interest you.
Build data models to better understand your preferences and interests, helping us improve recommendations.
Target advertising and promotions based on aggregated or personalized data.
Measure and analyze the effectiveness of our communications and advertising campaigns.

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:

Perform essential functions for service continuity and business operations.
Protect the security of our systems, services, and users by preventing fraud or unauthorized access.
Generate internal reports to evaluate site performance and user engagement.
Comply with legal obligations, court orders, and legitimate government requests.
Conduct audits to ensure compliance with internal policies and regulations.
Protect our business interests, including enforcing our Terms of Use.
Carry out any other purposes that you consent to or as permitted by law.

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:

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.

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.

Functional Cookies:

These cookies remember your preferences and choices (e.g., location settings, account details, and saved loan searches) to personalize your experience.

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.

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:

Accept or Reject Cookies: You can choose to accept all cookies, block specific types of cookies, or reject all cookies.
Delete Existing Cookies: You can clear cookies that are already stored on your device.
Adjust Browser Settings: Most browsers allow you to modify cookie settings. Check your browser’s "Help" section for details.

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

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

"Like," "Share," or comment on content via platforms such as Facebook, Instagram, LinkedIn, Twitter, YouTube, TikTok, Snapchat, and Google.
Log in to our Services using your social media account credentials.
Share updates, links, or content directly to your social media accounts.

How Social Features Work and Data Access

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.

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.

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.

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.

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

Purpose: To facilitate your requests, such as connecting you with banks, credit unions, or loan providers.

Directing you to the website of a loan provider you selected.
Tracking user interactions to ensure we deliver the best offers and experiences.
Measuring sales or user engagement for our partner services.

2. Sharing with Service Providers Who Support Our Business

Purpose: To support the operation of our business and services.

Data Hosting: Storing our databases and managing cloud infrastructure (e.g., AWS, Google Cloud).
Analytics Providers: Understanding user trends and improving site performance (e.g., Google Analytics).
Communication Services: Sending transactional emails, rate updates, or notifications.
Payment Processors: Processing payments or partner compensation (if applicable).

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

3. Sharing for Legal and Business Protection

Purpose: To comply with legal obligations, respond to lawful requests, or defend against legal claims.

Responding to court orders, subpoenas, or other legal processes.
Sharing information with law enforcement agencies when required.
Engaging with lawyers, auditors, or external advisors to protect our business interests.

4. Sharing in Business Transfers

Purpose: To facilitate business continuity and meet legal or contractual obligations.

Example: If LendMesh is acquired, your data may be transferred as part of the transaction.

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.

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.

To provide you with loan rate comparison services.
To process your requests or inquiries about our Services.
To send personalized loan updates or recommendations.
To deliver the subscription features you signed up for.

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.

To send you marketing communications via email, push notifications, or social media.
To access and share your data with social media platforms or other tools at your request.
To collect and analyze data to improve your user experience.

3. Legal Obligation

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

To meet legal requirements, such as financial regulations or data protection laws.
To respond to legitimate requests from law enforcement, courts, or regulators.
To maintain accurate records for compliance and auditing purposes.

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.

Service Improvement:

Researching how users interact with our Services to identify areas for improvement.
Performing analytics to optimize the website's functionality and user experience.

Communication and Engagement:

Sending you service-related updates or transactional emails (e.g., loan rate alerts).
Informing you of changes to our Services, features, or terms.

Partner Collaboration:

Sharing necessary data with trusted partners to provide the loan comparison and personalized savings tools you use.
Partnering with third parties to offer rewards, benefits, or promotions as part of our Services.

Business Operations:

Ensuring our website and Services remain available, secure, and functional.
Preventing fraud, unauthorized access, or other harmful activities to protect you and others.
Performing internal audits, process improvements, and quality checks to ensure everything runs smoothly.

Safety and Protection:

Using your data when necessary to protect your interests or the interests of other individuals (e.g., preventing harm or fraud).

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:

The Amount and Type of Data:
We assess the sensitivity and volume of the data we hold.
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.
Risks of Unintended Use or Disclosure:
We evaluate the potential risks to you in the event of unauthorized access or misuse.
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), you may have the following rights:

1. Right to Access Your Data

You can request:

Confirmation of whether we process your personal data.
Access to the specific personal data we have collected about you.
Details about how we use and share your data, including:
- Categories of personal information collected.
- Sources of data collection.
- Purposes for processing the data.
- Categories of third parties we share the data with.

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:

To comply with legal obligations.
To prevent fraud or security incidents.
To resolve disputes or enforce our Terms of Service.

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.

You can opt-out of such activities by clicking the“Do Not Sell My Data”link on our website or by contacting us directly.

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 within 30 days, please send us another reminder. If we need more time, we will notify you 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:

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.

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.

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:

Create Strong Passwords: Use a strong, unique password and do not share it with anyone.
Protect Your Devices: Ensure your devices are secured with updated software and antivirus tools.
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:

We will promptly investigate the issue.
We will notify you as soon as possible through email, messages, or other contact methods, as required by law.
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:

Loan Details: Loan amount, interest rates, loan term, and payment history.
Property Details: Property value, mortgage tenure, location, and related information.

Purpose of the Subscription Service

We use the data you provide to:

Monitor Market Changes: Track interest rate adjustments and market trends.
Deliver Personalized Savings Insights: Notify you when refinancing opportunities or rate reductions occur that could help you save on your loan.
Improve Recommendations: Use your loan and property details to offer tailored advice for optimizing your financial savings.

How We Protect Your Subscription Data

No Data Sales or Sharing:
We do not sell, rent, or share your subscription data with third parties for marketing purposes.
Strict Use Limitations:
Your data is used exclusively to provide personalized notifications, rate monitoring, and savings insights.
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.

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

Independent Platforms: These third-party websites operate independently of LendMesh.com and have their own privacy policies, terms of use, and practices.
No Control or Responsibility: We do not control, endorse, or take responsibility for the content, actions, privacy practices, or policies of these third-party websites.
Your Choice: If you choose to visit or interact with a linked website, you do so at your own discretion, and you are subject to their terms and privacy policies.

Your Responsibility

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

Review their Privacy Policies to understand how your data will be collected, used, and protected.
Read their Terms of Service to understand the rules governing your use of their platform.

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?

We will take immediate steps to delete the data from our systems.
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 or send a request from our Contact Us page:

Email: [email protected]

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)

Right to Know: Request details about the personal information we collect, disclose, or share about you. Includes categories of data, sources, purposes of use, and third-party disclosures.
Right to Request Deletion: You can request deletion of your personal data, with exceptions for legal or fraud-related purposes.
Right to Opt-Out of Data Sale: Although LendMesh does not sell personal data for monetary gain, you may opt out of data-sharing practices considered a "sale" under the CCPA.
Right to Non-Discrimination: Exercising your rights will not lead to denial of services or different treatment.

How to Exercise Your Rights:

Email us: [email protected]
Call us: Contact Us
Use the “Do Not Sell My Data” link in our website footer

Nevada Residents

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

While LendMesh.com does not currently sell personal data, we provide this option in compliance with Nevada law.

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 our contact page: Contact Us