Privacy Policy

Information Collection and Use
Merchants
Subject to any agreement to the contrary, LendingUSA is the owner of the information collected on these Websites. When you visit LendingUSA Websites, such as to submit a merchant enrollment application or to submit a loan application through your merchant portal, or have any interaction with us online, the information below may be collected for various purposes including, but not limited to, to review your and your business’ eligibility for the LendingUSA merchant program and to provide the services related to that and other programs:
Your browser type
Your IP address
The presence of any software on your device that may be necessary to view our Websites
Information about the device you are using
Business and Personal information submitted by you on applications, forms, and electronic messaging. Such personal or business information may include:
Your Business’:
Legal Name and DBA
Size and Type
Address
Telephone Number
E-mail Address
Federal Tax ID
Years in Operation
Ownership Information
Registration and Licenses
Insurance Information
Website
Bank Account Information
Primary financing contact’s name, job title, business e-mail and phone number (if different than you)
Customer Invoices
Your:
Name
Job
title
Social Security Number
Date of Birth
E-mail Address
Telephone Number
Address
Employment Information

We also collect any other public and non-public information that you voluntarily provide us with so that we can process your request, this information may be provided through our Websites or through other means. Your decision to provide additional information is entirely optional, however the information may be required to receive the product that you requested.

Business and Personal information retrieved from third parties for the purpose of processing your request. Such personal information may include:
Credit Scores
Credit History
Payment History
Information to Verify Your Identity and to Mitigate Risk
Bank Account Information and Transactions
Pending litigation

Borrowers
United Lending is the owner of the information collected on these Websites. When you visit LendingUSA Websites, submit an application or have any interaction with us online, the information below may be collected for various purposes, including to review your eligibility for the financial product and/or service that you requested, to verify your identity and to service your account:
Your browser type
Your IP address
The presence of any software on your device that may be necessary to view our Websites
Information about the device you are using
Personal information submitted by you on applications, forms, and electronic messaging, including:
Name
Social Security Number
Address
Date of Birth
Income Information
Employment Information
Email Address
Telephone Number
Account Numbers
Paystubs
Cancelled Checks
Selfies
Driver’s Licenses
Passport
Usernames
Passwords

We also collect any other public and non-public information that you voluntarily provide us so that we can process your request. This information may be provided through our Websites or through other means. Your decision to provide additional information is entirely optional. However, the information may be required to receive the product that you requested.

We may collect information related to digital assets, including cryptocurrency, wallet addresses, transaction history, and information regarding the source of digital assets used as collateral. Customers are required to attest that any digital assets pledged as collateral are solely owned by them and are not subject to any third party rights or claims.

Personal information retrieved from third parties for the purpose of processing your request, including:

Credit Scores
Credit History
Payment History
Information to Verify Your Identity and to Mitigate Risk
Bank Account Information and Transactions
Information from Your Merchant Regarding Your Transaction

Security
We take precautions to protect your information. When you submit sensitive information via the Websites, your information is protected both online and offline. Wherever we collect sensitive information (such as credit history data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon in your web browser, or looking for “https” at the beginning of the address of the web page. Placement of this icon varies by website browser. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information.

Registration
In order to use some of our Websites, a user must first complete a registration form. During registration, a user is required to give certain information (such as name and email address). This information may be used to contact you about the products and/or services on our Websites in which you have expressed interest. At your option, you may also provide demographic information (such as gender or age) about yourself, but it is not required.

Cookies
We use “cookies” on our Websites. A cookie is a piece of data stored on a website visitor’s hard drive to help us improve your access to our Websites and identify repeat visitors to our Websites. For instance, when we use a cookie to identify you, you may not have to enter information that you already entered more than once, thereby saving time while on our Websites. Cookies can also enable us to track and target the interests of our users to enhance the experience on our Websites. Some of our business partners may use cookies on our Websites (for example, advertisers). However, we have no access to or control over our business partners’ cookies.

Sharing
We partner with other third parties to provide specific services so that we may process your request or service your accounts. We will share your name and any other information that is necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.If you are a borrower, we will also share your information with the merchant whose products and/or services you are attempting to finance. We may also share your loan performance data with your merchant, including but not limited to, your loan delinquency status and your payment history.We may disclose your personal information as otherwise permitted or required by law, including furnishing your account history to credit bureaus or to assignees if you are a borrower.We do not transfer any personal information internationally. All information sharing and processing are conducted within the jurisdiction of our operation, ensuring compliance with local data protection laws.

Links
These Websites contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our Websites and to read the privacy statements of any other site that collects personally identifiable information.

Surveys & Contests
From time-to-time, our Websites may request information via surveys or contests. Participation in these surveys or contests is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and address), and demographic information (such as zip code and age range). Contact information will be used to notify the winners and award prizes. Survey information will be used for the purpose of monitoring and improving the use and satisfaction of our Websites and/or services.

Revisions to This Policy
United Lending Solution reserves the right to revise this Policy at any time. When we do, we will post the revised Policy on our Websites and update the revision date above. If we make material changes to how we collect, use, or share your information, we will provide notice as required by applicable law. If you are a customer, you will receive our privacy notice at least once every twelve months, and if we change our information sharing practices in a way that affects your right to limit sharing, we will send you a revised privacy notice and a new opportunity to opt out before the new sharing begins.

Other Important Information:
For Alaska, Illinois, Maryland and North Dakota Customers.
We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.

For Vermont Customers. We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to non affiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.