PRIVACY POLICY

1. INFORMATION WE COLLECT

The information we collect depends on how you interact with Lendvix Financial.

We may collect information directly from you, automatically through your use of our website, or from third parties where permitted by applicable law.

Information You Provide

When you create an account, submit an application, contact us, or use certain services, we may collect information such as:

We only request information that is relevant to the applicable service or application process.

2. INFORMATION COLLECTED AUTOMATICALLY

When you visit or use our website, certain technical information may be collected automatically.

This may include:

• IP address
• Browser type
• Device type
• Operating system
• Language preferences
• Approximate location derived from technical information
• Pages viewed
• Links or buttons interacted with
• Date and time of website activity
• Referring website
• Website performance information
• Error and diagnostic information

This information may help us maintain, secure, analyze, and improve the website and services.

3. COOKIES AND SIMILAR TECHNOLOGIES

Lendvix Financial may use cookies and similar technologies to support website functionality and understand how visitors interact with our platform.

Cookies may be used for purposes such as:

• Maintaining website functionality
• Remembering preferences
• Supporting account sessions
• Improving security
• Understanding website usage
• Measuring performance
• Improving the user experience

Some cookies may be necessary for the website to function properly.

Where required by applicable law, we will request appropriate consent before using non-essential cookies.

You may be able to manage cookies through your browser settings. Disabling certain cookies may affect the functionality of portions of the website.

4. HOW WE USE YOUR INFORMATION

We may use personal information for legitimate business, contractual, operational, security, and legal purposes, including:

5. APPLICATION AND FINANCIAL INFORMATION

If you submit an application for a loan or other financial product, the information you provide may be used to:

• Determine whether you meet applicable eligibility requirements.
• Verify information supplied in your application.
• Assess your application according to applicable criteria.
• Detect and prevent fraud.
• Communicate with you regarding your application.
• Provide applicable disclosures and agreements.
• Process or administer an approved financial product.
• Meet legal, regulatory, compliance, and record-keeping obligations.

The specific information required may vary depending on the financial product and applicable requirements.

Submitting an application does not guarantee approval.

6. INFORMATION FROM OTHER SOURCES

Where permitted by applicable law, we may receive information about you from other sources.

These sources may include:

• Identity verification providers
• Fraud prevention providers
• Financial service providers
• Payment service providers
• Technology service providers
• Publicly available sources
• Service providers assisting with application processing
• Other organizations where you have provided appropriate authorization

The type of information received depends on the service involved and the applicable legal requirements.

7. HOW WE SHARE INFORMATION

We do not treat your personal information as something to be freely sold or distributed.

We may share information when reasonably necessary to provide services, process applications, maintain our platform, protect users, or comply with legal obligations.

Information may be shared with categories of recipients such as:

8. WE DO NOT SELL PERSONAL INFORMATION FOR UNRELATED PURPOSES

Lendvix Financial does not intend to sell personal information to third parties for unrelated purposes.

Where information is shared with service providers, they may process the information only as necessary to provide the services for which they have been engaged or as otherwise permitted by applicable law.

Where applicable law provides you with additional rights concerning the sale, sharing, or targeted use of personal information, those rights will apply.

9. DATA SECURITY

We take reasonable administrative, technical, and organizational measures designed to protect personal information against unauthorized access, loss, misuse, alteration, disclosure, or destruction.

Security measures may include appropriate access controls, authentication procedures, encryption or other security technologies, monitoring, and organizational safeguards where appropriate.

However, no online service, website, electronic transmission, or storage system can be guaranteed to be completely secure.

You are responsible for protecting your own account credentials and devices.

Never share your password, authentication code, or other confidential account credentials with another person.

10. DATA RETENTION

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

• Provide and maintain our services.
• Process and administer applications.
• Maintain account records.
• Comply with legal and regulatory obligations.
• Resolve disputes.
• Prevent fraud and abuse.
• Enforce agreements.
• Protect our legal rights.
• Maintain appropriate business and financial records.

Retention periods may vary depending on the type of information, the purpose for which it was collected, applicable legal requirements, and other relevant circumstances.

When personal information is no longer reasonably required, it may be securely deleted, anonymized, or otherwise disposed of in accordance with applicable requirements.

11. YOUR PRIVACY RIGHTS

Depending on where you live and the laws that apply to you, you may have certain rights regarding your personal information.

These may include the right to:

• Request access to personal information we hold about you.
• Request correction of inaccurate information.
• Request deletion of certain personal information.
• Request restriction of certain processing.
• Object to certain processing.
• Request a copy of certain information in a portable format.
• Withdraw consent where processing is based on consent.
• Request information about how your personal information is processed.
• Lodge a complaint with an applicable privacy or data-protection authority.

These rights are subject to applicable legal limitations and exceptions.

For example, we may need to retain certain information to comply with legal obligations, prevent fraud, complete a transaction, establish or defend legal claims, or satisfy financial record-keeping requirements.

12. HOW TO REQUEST ACCESS OR CORRECTION

If you would like to request access to, correction of, or deletion of personal information, contact us through the official Lendvix Financial contact channel.

Your request should include enough information for us to understand what you are requesting and, where necessary, verify your identity.

We may request additional information to protect personal information from unauthorized disclosure.

13. CHILDREN'S PRIVACY

The Services are not intended for individuals who are below the minimum age required to use the applicable financial services.

Where a financial product requires applicants to be at least 18 years old, individuals under 18 are not eligible to apply for that product.

We do not knowingly seek to collect personal information from children in connection with financial applications.

If you believe that a child has provided personal information to us in connection with the Services, please contact us so that the matter can be reviewed and appropriate action can be taken.

14. INTERNATIONAL DATA TRANSFERS

Depending on where Lendvix Financial and its service providers operate, personal information may be processed or stored in countries other than the country where you live.

Where personal information is transferred internationally, we will take steps required by applicable law to protect the information and ensure that appropriate safeguards are in place where required.

15. THIRD-PARTY WEBSITES AND SERVICES

Our website may contain links to websites, applications, or services operated by third parties.

If you follow a third-party link, that third party may collect information according to its own privacy policy.

Lendvix Financial does not control the privacy practices of independent third parties.

We encourage you to review the privacy policies of third-party websites and services before providing personal information to them.

16. THIRD-PARTY SERVICE PROVIDERS

Lendvix Financial may use third-party providers to support the operation of the website and services.

These providers may assist with:

• Website hosting
• Database services
• Cloud infrastructure
• Authentication
• Email delivery
• SMS communications
• Identity verification
• Fraud detection
• Payment processing
• Analytics
• Security
• Customer support
• Application processing

These providers may receive access to information only to the extent reasonably necessary to perform their services or as otherwise permitted by applicable law.

17. MARKETING COMMUNICATIONS

Where permitted by applicable law, we may send information about services, updates, or promotional communications.

You may have the ability to unsubscribe from certain promotional communications by using the unsubscribe mechanism included in the communication.

Even if you opt out of promotional communications, we may continue to send important service-related communications, such as account notices, application updates, security alerts, legal notices, and other communications that are necessary or permitted by law.

18. FRAUD PREVENTION AND SECURITY MONITORING

We may process information to protect Lendvix Financial, our users, service providers, and other parties from fraud, abuse, unauthorized access, identity theft, and other harmful activity.

This may include monitoring activity on the platform, verifying information, identifying unusual activity, and investigating suspected misuse.

Where permitted by applicable law, information relating to suspected fraudulent or unlawful activity may be shared with appropriate service providers, financial institutions, regulators, law enforcement authorities, or other relevant parties.

19. AUTOMATED PROCESSING

Certain parts of an application or service may involve automated systems used to organize information, identify potential risks, verify information, prevent fraud, or support application processing.

Where applicable law gives you rights concerning automated decision-making or profiling, those rights will apply.

Where required by law, additional information about applicable automated processing and available rights will be provided.

20. ACCURACY OF YOUR INFORMATION

You are responsible for providing accurate and current information.

If your personal information changes, you should update your account information where the Services provide an appropriate method to do so or contact the appropriate support channel.

Providing inaccurate or misleading information may affect an application and may result in additional verification or other action where permitted by law.

21. ACCOUNT SECURITY

You are responsible for protecting your account credentials.

For your protection:

• Do not share your password.
• Do not share authentication codes.
• Do not allow another person to access your account.
• Use a secure password.
• Log out when using a shared device.
• Notify us if you suspect unauthorized account activity.

Lendvix Financial will not intentionally request your password or authentication credentials through an unsolicited communication.

22. DATA BREACHES AND SECURITY INCIDENTS

If Lendvix Financial becomes aware of a security incident involving personal information, we will assess the incident and take appropriate steps in accordance with applicable law.

Where notification is legally required, we will notify affected individuals and/or relevant authorities as required by applicable requirements.

23. PRIVACY OF APPLICATION INFORMATION

Information submitted as part of a financial application may be sensitive.

We use application information for purposes connected with the application, applicable financial services, fraud prevention, security, legal compliance, and other purposes described in this Privacy Policy.

Do not submit information that does not belong to you or information that you are not authorized to provide.

24. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect:

• Changes to our services.
• Changes in technology.
• Changes in data-processing practices.
• Changes in legal or regulatory requirements.
• Improvements to our privacy practices.

When we update this Privacy Policy, we will change the "Last Updated" date at the top of this page.

Where required by applicable law, we will provide additional notice of material changes.

We encourage you to review this page periodically to remain informed about how your information is handled.

25. CONTACT US ABOUT PRIVACY

If you have questions about this Privacy Policy, want to exercise a privacy right, or have a concern regarding the handling of your personal information, contact Lendvix Financial through the official contact channel provided on our website.

26. DATA PROTECTION AUTHORITY

Where applicable, you may have the right to submit a privacy complaint to the data-protection or privacy authority responsible for your jurisdiction.

The appropriate authority will depend on your location and the laws that apply to the processing of your personal information.

27. LEGAL BASIS FOR PROCESSING

Where applicable privacy laws require us to identify a legal basis for processing personal information, we may rely on one or more of the following:

28. INFORMATION ABOUT FINANCIAL PRODUCTS

The collection and processing of information associated with a financial application may be subject to additional legal, regulatory, contractual, or industry requirements.

The information required may vary depending on the financial product, application, jurisdiction, and applicable service providers.

Additional disclosures or privacy notices may be provided where required.

29. YOUR RESPONSIBILITY WHEN USING THE PLATFORM

When using Lendvix Financial, you should take reasonable steps to protect your personal information.

Do not:

• Submit another person's personal information without authorization.
• Share your account credentials.
• Send passwords through contact forms.
• Send authentication codes to another person.
• Use unsecured or shared devices for sensitive activities where avoidable.
• Respond to suspicious communications requesting confidential information.

If you receive a suspicious communication claiming to be from Lendvix Financial, verify it through an official contact channel before providing information.

30. IMPORTANT SECURITY NOTICE

31. ADDITIONAL PRIVACY RIGHTS

Privacy rights differ depending on your location.

If you are located in a jurisdiction with specific privacy legislation, additional rights, disclosures, or procedures may apply to you.

Nothing in this Privacy Policy is intended to remove or limit a privacy right that cannot lawfully be removed or limited.

32. SEVERABILITY

If any part of this Privacy Policy is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by applicable law.

33. QUESTIONS ABOUT YOUR PRIVACY

We want you to understand how your information is handled.

If you have a question about this Privacy Policy, believe your information may have been handled incorrectly, or want to exercise a privacy right, contact us through the official Lendvix Financial privacy or support channel.

We will review privacy requests and respond in accordance with applicable law.