Privacy Policy - Lendesca

Effective Date: March 17, 2026
Last Updated: March 17, 2026

Lendesca LLC (“Lendesca,” “we,” “us,” or “our”) respects your privacy and is committed to protecting personal information. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our website, interact with us, submit information to us, apply for products or services, or otherwise use our platform, tools, content, communications, and related services (collectively, the “Services”).

This Privacy Policy applies to information collected through:

our website, including any pages or forms that link to this Privacy Policy;
communications with Lendesca, including email, phone, text, chat, and customer support;
online applications, prequalification forms, contact forms, and account registration flows;
marketing and advertising interactions;
services we provide directly or in connection with financial institutions, lenders, servicers, investors, brokers, referral partners, and other business relationships.

By accessing or using our Services, you acknowledge that you have read and understand this Privacy Policy.

1. Nature of Lendesca’s Services

Lendesca operates as a financial technology company and may act as a technology provider, originating lender service provider, marketplace operator, facilitator, referral source, processor, servicer support provider, or business partner in connection with financial products and services.

Lendesca is not always the direct lender or funding source. In many cases, we help individuals and businesses explore, apply for, qualify for, or obtain financial products or services offered by third parties, including banks, non-bank lenders, institutional funding partners, investors, and other providers.

When you submit information through our Services, you understand that we may use that information to evaluate your request, assist with underwriting or eligibility review, facilitate your application, help identify alternative options, and share your information with relevant third parties as described in this Privacy Policy.

2. Information We Collect

We may collect personal information directly from you, automatically through your use of our Services, and from third parties where permitted by law.

A. Information you provide directly

We may collect information you provide when you:

visit or use our website;
create an account;
fill out a contact form, qualification form, or application;
upload documents;
communicate with us by phone, email, text, or chat;
subscribe to newsletters, updates, or marketing communications;
respond to surveys, webinars, events, or promotions.

This information may include:

full name;
email address;
phone number;
mailing address;
company name and business information;
username and password or other account credentials;
date of birth;
Social Security number or tax identification number;
driver’s license or government-issued identification information;
banking and payment information;
income, assets, liabilities, cash flow, and related financial information;
tax returns, tax forms, tax transcripts, payroll records, and other supporting documents;
credit-related information;
loan purpose, requested amount, collateral information, and application details;
communications, messages, recordings, and support history.

B. Sensitive personal information

Depending on the Services you use, we may collect sensitive personal information, including:

Social Security number or other government identifier;
financial account information;
debit card or bank account details;
log-in credentials for certain accounts or portals;
precise or near-precise geolocation where enabled;
tax information and other financial records.

We collect and use sensitive personal information only as reasonably necessary for permitted business purposes, including identity verification, underwriting, fraud prevention, compliance, security, servicing, and providing requested products or services.

C. Information collected automatically

When you visit or interact with our Services, we and our vendors may automatically collect information such as:

IP address;
browser type and version;
device type, operating system, and identifiers;
pages viewed, time on page, clicks, scroll activity, referring URLs, and session activity;
dates and times of access;
approximate geolocation derived from IP address;
cookie IDs, advertising IDs, and similar identifiers;
event and conversion data associated with advertising or analytics tools.

D. Information from third parties

We may receive information from:

financial institutions, lenders, servicers, investors, and capital partners;
lead sources, referral partners, brokers, and affiliates;
credit bureaus, fraud-prevention vendors, identity-verification providers, and data aggregators;
public records and commercially available sources;
advertising, analytics, and social media partners;
joint marketing or co-branded partners.

3. How We Use Personal Information

We may use personal information for the following purposes:

to provide, operate, maintain, and improve the Services;
to review inquiries, applications, submissions, and requests;
to verify identity and detect, prevent, or investigate fraud, abuse, security incidents, or other unlawful activity;
to evaluate eligibility for financial products or services;
to facilitate application intake, underwriting, processing, servicing support, fulfillment, and related business operations;
to connect you with lenders, financial institutions, servicers, referral partners, or alternative providers;
to provide customer support and respond to questions;
to send administrative, transactional, servicing, legal, or policy-related communications;
to market our Services and those of our partners where permitted by law;
to create audiences, measure advertising effectiveness, and support remarketing;
to perform analytics, reporting, quality assurance, product improvement, and business planning;
to enforce our terms, policies, and contractual rights;
to comply with legal, regulatory, audit, risk-management, and recordkeeping requirements;
to support mergers, acquisitions, financings, loan sales, participations, or other corporate or financing transactions.

4. How We May Match, Route, or Refer Information

If you submit an inquiry, application, or related information, Lendesca may use that information to determine whether a product, lender, or service may be a fit for you. This may include:

matching you with a lender, financial institution, or funding partner;
sharing your information with one or more third parties for underwriting, approval, processing, servicing, verification, or funding;
identifying alternative products or providers if you do not qualify for a specific offering;
re-engaging you regarding other products, services, or opportunities that may be relevant to you.

This matching, routing, referral, and re-engagement process is part of how our platform and related Services operate.

5. How We Share Personal Information

We may disclose personal information to the following categories of recipients:

A. Financial institutions and financing participants

We may share information with banks, lenders, sponsor banks, servicers, loan purchasers, warehouse providers, investors, capital providers, secondary-market participants, and other financial counterparties for purposes such as:

application review;
underwriting and eligibility assessment;
identity and fraud checks;
processing, approval, funding, and servicing;
loan sale, participation, transfer, securitization, audit, or portfolio review;
compliance and risk management.

B. Service providers and contractors

We may share information with vendors and service providers that help us operate our business, such as providers of:

cloud hosting and storage;
customer relationship management tools;
identity verification;
fraud detection;
document collection, processing, and e-signature tools;
payment processing;
communications, call systems, and support;
marketing automation;
analytics and performance measurement;
security monitoring and incident response;
legal, accounting, compliance, and consulting services.

C. Advertising, analytics, and social media partners

We may share information or permit collection through cookies, pixels, SDKs, APIs, tags, and similar technologies for analytics, ad measurement, targeted advertising, remarketing, audience building, and campaign performance.

D. Affiliates and business partners

We may share information with our affiliates, related entities, strategic partners, referral partners, and co-marketing partners, subject to appropriate restrictions and applicable law.

E. Legal, regulatory, and protective disclosures

We may disclose information:

to comply with law, regulation, subpoena, court order, examination, or lawful request;
to respond to regulators, auditors, law enforcement, or supervisory authorities;
to protect our rights, property, systems, users, or the public;
to investigate fraud, security incidents, or violations of our policies.

F. Corporate and financing transactions

We may disclose information in connection with an actual or proposed merger, acquisition, asset sale, financing, bankruptcy, restructuring, due diligence process, or other corporate transaction.

6. Cookies, Pixels, Analytics, and Advertising Technologies

We and our partners may use cookies, pixels, web beacons, tags, SDKs, session replay tools, and similar technologies to:

keep the Services functioning properly;
remember preferences;
analyze traffic and site behavior;
measure campaign effectiveness;
attribute leads and conversions;
personalize content;
support retargeting and advertising;
build custom or lookalike audiences.

These technologies may be operated by us or by third parties such as analytics providers, advertising platforms, and social media companies. Those parties may collect information over time and across different websites, apps, or services, subject to their own privacy practices.

You may be able to control cookies through your browser settings and, where available, through our cookie controls or privacy choices interface. Blocking certain cookies may affect functionality.

7. Marketing Communications and Remarketing

We may send marketing communications consistent with applicable law. We may also use information collected from your interactions with us, our website, forms, communications, and advertising tools to:

market our own services;
remarket to you across websites, apps, and social platforms;
create audience segments;
measure ad performance;
communicate about products or services that may be relevant to your interests or profile.

You may opt out of promotional emails by using the unsubscribe link in those emails. You may still receive transactional, servicing, legal, or account-related messages.

8. Automated Processing and Decision Support

We may use automated tools, internal models, algorithms, and other technologies to help evaluate submissions, verify information, detect fraud, support workflow routing, prioritize follow-up, assess eligibility, or assist in determining which products, providers, or next steps may be relevant. In some circumstances, automated processing may be supplemented by human review.

9. Data Retention

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

account administration;
application intake and review;
servicing and support;
fraud prevention and security;
legal and regulatory compliance;
audit, accounting, and tax obligations;
contract enforcement;
dispute resolution;
backup, archival, and records-management obligations.

Retention periods may vary depending on the nature of the information, the product or service involved, the status of your relationship with us, and applicable legal requirements.

10. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information. These safeguards may include access controls, encryption where appropriate, monitoring, secure storage practices, vendor oversight, workforce training, and incident response procedures.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

11. Children’s Privacy

Our Services are not directed to children under 18, and we do not knowingly collect personal information from children under 18 in connection with the Services. If we learn we collected such information without appropriate authorization, we will take reasonable steps to delete it.

12. Your Privacy Rights

Depending on where you live, you may have privacy rights such as the right to:

know what personal information we collect, use, disclose, or share;
request access to personal information;
request correction of inaccurate personal information;
request deletion of personal information, subject to exceptions;
opt out of certain targeted advertising, sale, or sharing;
limit certain uses of sensitive personal information where applicable;
appeal a denied privacy request where applicable.

To exercise privacy rights, contact us using the information in the “Contact Us” section below. We may take reasonable steps to verify your identity and authority before processing a request.

We will not unlawfully discriminate against you for exercising applicable privacy rights.

13. California Notice at Collection and California Rights

If you are a California resident, California law may provide you with specific rights regarding personal information, including rights to know, delete, correct, and opt out of sale or sharing, as those terms are defined by California law.

We do not sell personal information for money. However, we may disclose personal information to advertising, analytics, and marketing partners in ways that may constitute “sharing” for cross-context behavioral advertising under California law.

We may collect the following categories of personal information:

identifiers;
personal information described in California customer records laws;
commercial information;
internet or other electronic network activity;
geolocation data;
professional or employment-related information;
financial information;
sensitive personal information;
inferences drawn from personal information.

California residents may also have the right to limit certain uses of sensitive personal information and may use an authorized agent to submit certain requests on their behalf, subject to verification requirements.

If required for your interactions with us, we will provide a “Do Not Sell or Share My Personal Information” or equivalent privacy choice mechanism.

14. State Privacy Law Disclosures

Residents of certain U.S. states may have additional rights under applicable state privacy laws. We may update this Privacy Policy and our privacy choices processes as needed to reflect applicable law and our data practices.

15. Third-Party Sites and Services

Our Services may link to third-party websites, portals, tools, lenders, or service providers. Their privacy practices are governed by their own policies, not ours. We are not responsible for third-party privacy or security practices.

16. Changes to This Privacy Policy

We may revise this Privacy Policy from time to time. The updated version will be effective when posted, unless otherwise stated. If we make material changes, we may provide additional notice where appropriate.

17. Contact Us

If you have questions about this Privacy Policy or would like to submit a privacy request, contact:

Lendesca LLC
5208 State Highway N, Suite 203
Cottleville, MO 63304
United States
Email: compliance@lendesca.com
Phone: 314-254-3140