• 561-910-8622
  • info@loanpipe.com

Introduction
LendGenuity (a Florida corporation) (“us“, “we” or “Company“) respects the privacy of our users (each, “you” or “User“) and is committed to protect the privacy of Users who access, download, install or register to our mobile application (the “Application“), our website or any other online services we provide (collectively: the “Services“). This Privacy Policy outlines our practices with respect to collecting, using and disclosing your information when you use the Services. Please read the Privacy Policy carefully and use it to make informed decisions. By using the Services, you agree to the terms of this Privacy Policy and your continued use of the Services constitutes your ongoing agreement to the Privacy Policy. The Privacy Policy is a part of the Terms of Service and is incorporated therein by reference. In this Privacy Policy you will read about, among other things:

• The Type of Information we Collect
• Information Collected Automatically
• How we Protect your Information
• How we use the Information
• How we Share the information and for What Purpose
• Third-party Collection of Information
• How Long we Retain the Information
• Minors
• Corporate Transaction
• Updates or Amendments
• How to Contact us

The Type of Information we Collect
We may collect two types of data and information from our Users. The first type of information is and non-personally identifiable information (referred to as “NPI”) pertaining to you, which may be made available or gathered via your use of the Services. We are not aware of the identity from which the Non-personal Information is collected. The types of non-personal Information we collect may include your aggregated usage information and technical information transmitted by your device, including certain software and hardware information about your device (e.g., the device you use, the type of browser and operating system your device uses, language preference, access time and the website’s domain name from which you linked to the Services, etc.), in order to enhance the functionality of the Services. We may also collect information about your activity on the Services (e.g., pages viewed, online browsing, clicks, actions, timestamps, etc.). None of the data collected in this category contains any personally identifiable information. The second type of information is personally identifiable information (referred to as “Personal Information”), namely information that identifies an individual or may with reasonable effort identify an individual. Such information may include:

Voluntarily Provided Information: We may collect information which you provide us voluntarily. This may include: your name; email address; username; password; location; and any other information you may choose to provide.

Device Information: We may collect Personal Information from your device. Such information may include geolocation data, IP address, unique identifiers (e.g. MAC address und UUID) as well as other information which relates to your activity through the Services.

For the avoidance of doubt, if we combine Personal Information with Non-personal Information, the combined information will be treated as Personal Information as long as it remains combined.

Information Collected Automatically using Cookies and other Tracking Technology
We may use cookies and other technologies or methods of web and mobile analysis (e.g., pixels, FullStory, Google Analytics, etc.) to gather, store, and track certain information related to your access to and activity through the Services, including when you visit our website. A “cookie” is a text file that a website assigns to your device while you are viewing a website. Cookies are very helpful and may be used for, among other things, allowing you to navigate between pages efficiently, enabling automatic activation of certain features, remembering your preferences and making the interaction between you and the Services quicker, easier and smoother.
We may use the automated technologies to collect information about your equipment, browsing actions and usage patterns. The information we obtain in this manner may include your device IP address, identifiers associated with your devices, types of devices connected to our Services, web browser characteristics, language preferences, clickstream data and dates and times of visits to our site.

You may remove the cookies by following the instructions of your device preferences. However, if you choose to disable cookies, some features of the Services may not operate properly and your online experience may be limited.

How we Protect your Information
We take the protection of your personal data very seriously. We collect, process and use your personal data in accordance with this Privacy Policy and in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act and other applicable laws. We employ industry standard procedures and policies to ensure the safety of your information and prevent unauthorized use of any such information.

We use appropriate technical and organizational security measures to protect your stored personal data against manipulation, partial or complete loss, and unauthorized access by third parties. Our security measures are continuously being improved in line with technical developments. Although we take reasonable steps to safeguard information, we cannot be responsible for the acts of those who gain unauthorized access or abuse the Services, and we make no warranty, express, implied or otherwise, that we will prevent such access. If you feel that your privacy was treated not in accordance with our policy, or if any person attempted to abuse the Services or acted in an inappropriate manner, please contact us directly at info@lendgenuity.com.

How we use the Information
We use and share Personal Information in the manner described in this Privacy Policy. In addition to the purposes listed above, the information we collect, which may include your Personal Information, is used for the following purposes:

• Account setup and to provide the Services;
• To identify and authenticate your access to the Services;
• To authenticate your identity for the purpose of compliance with regulatory Know Your Customer requirements (including a Customer Identification Program and Customer Acceptance Policy);
• Communication, to keep you informed with respect to your use of the Services;
• Research and analytics to improve and customize the Services to your needs and interests;
• To support and troubleshoot the Services and to respond to your queries;
• To investigate and resolve disputes in connection with your use of the Services;
• To detect and prevent fraudulent and illegal activity or any other type of activity that may jeopardize or negatively affect the integrity of the Services; and
• To investigate violations and enforce our policies, and as required by law, regulation or other governmental authority, to comply with a subpoena or similar legal process or respond to a government request.

How we Share the Information and for What Purpose
We do not rent or sell your Personal Information with third-parties. We may share Personal Information with the following recipients: (i) our subsidiaries; (ii) affiliated companies; (iii) subcontractors and other third-party service providers; (iv) auditors or advisers of our business processes; and (v) any potential purchasers or investors in the company. In addition to the purposes listed in this Privacy Policy, we may share Personal Information with our recipients for any of the following purposes: (i) storing or processing Personal Information on our behalf (e.g., cloud computing service providers); (ii) processing such information to assist us with our business operations; (iii) performing research, technical diagnostics, personalization and analytics. We may also disclose Personal Information or any information you submitted via the Services if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to: (i) comply with any applicable law, regulation, legal process or governmental request; (ii) enforce our policies, including investigations of potential violations thereof; (iii) investigate, detect, prevent, or take action regarding illegal activities or other wrongdoing, suspected fraud or security issues; (iv) to establish or exercise our rights to defend against legal claims; (v) prevent harm to the rights, property or safety of us, our affiliates, our Users, yourself or any third-party; (vi) for the purpose of collaborating with law enforcement agencies; and (vii) in case we find it necessary to enforce intellectual property or other legal rights.

Third-party Collection of Information
Our policy only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties via the Services (e.g., by clicking on a link to any other website or location) or via other sites throughout the Internet, different rules may apply to their use or disclosure of the information you disclose to them. You acknowledge that we are not responsible for the products, services, or descriptions of products or services that you receive from third-party sites or to the content or privacy practices of those sites, and that this Privacy Policy does not apply to any such third-party products and services. Thus, we are advising you to consult the respective Privacy Policies of these third parties for more detailed information.

For how Long we Retain the Information
Because we respect your privacy rights, you may contact us at any time and request: (i) to access, change, update or delete any Personal Information relating to you; or (ii) that we will cease any further use of your Personal Information, or that we shall remove your Personal Information (subject to any other legal obligation that may require us to keep the information). Please note that we will retain the information we collect for as long as needed to provide the Services and to comply with our legal obligations, resolve disputes and enforce our agreements. We may rectify, replenish or remove incomplete or inaccurate information at any time and at our own discretion. If you wish to raise a complaint regarding how we have handled your Personal Information, please contact us directly at info@lendgenuity.com. If you are not satisfied with our response or believe we are collecting or processing your Personal Information not in accordance with the laws, you can complain to the applicable data protection authority.

Minors
The Services are not to be used by individuals under the age of 18. If you are under 18 years old, you should not download the Application, use the Services, or provide any Personal Information to us. We reserve the right to access and verify any Personal Information collected from you. In the event that we become aware that an individual under the age of 18 has shared any information, we will discard such information. If you have any reason to believe that a minor has shared any information with us, please contact us at info@lendgenuity.com.

Corporate Transaction
We may share information, including Personal Information, in the event of a corporate transaction (e.g., sale of a substantial part of our business, merger, consolidation or asset sale of an asset or transfer in the operation thereof) of the Company. In the event of the above, the acquiring company or transferee will assume the rights and obligations as described in this Privacy Policy.

Updates or Amendments to the Privacy Policy
We may revise this Privacy Policy from time to time, in our sole discretion, and the most current version will always be posted on our website or Application (as reflected in the “Last Revised” heading). In the event of a material change to the Privacy Policy, we will notify you through the Services or via email, or you may be notified within the Application. We encourage regular review of this Privacy Policy for any changes. Your continued use of the Services, following the notification of such amendments, constitutes your acknowledgement and consent of such amendments to the Privacy Policy and your agreement to be bound by the terms of such amendments.

Who we are and How to Contact us
The details of the Company are as follows: LendGenuity (a Florida corporation). Our corporate offices are located at:
LendGenuity
info@lendgenuity.com
LendGenuity.com

If you have any general questions regarding the Services or the information that we collect about you and how we use it, please contact us at info@lendgenuity.com.