Little Lake Lending Privacy Policy

1. Introduction

Little Lake Lending Finance ("Little Lake Lending," "we," "our," or "us") is committed to protecting your privacy and maintaining the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, apply for our services, or interact with us in any other way.

2. Information We Collect

2.1 Personal Information

When you apply for a Little Lake Lending loan or use our services, we may collect:

• Name, address, phone number, and email address
• Social Security Number and date of birth
• Employment information and income details
• Bank account and financial information
• Credit history and score information
• Government-issued identification

2.2 Automatically Collected Information

When you visit our website, Little Lake Lending automatically collects:

• IP address and browser information
• Device information and operating system
• Website usage patterns and preferences
• Cookies and similar tracking technologies
• Referral source and search terms

2.3 Third-Party Information

Little Lake Lending may receive information about you from:

• Credit reporting agencies
• Identity verification services
• Employment verification services
• Banking partners and financial institutions

3. How We Use Your Information

Little Lake Lending uses your information for the following purposes:

3.1 Lending Services

• Processing and evaluating loan applications
• Verifying your identity and creditworthiness
• Funding approved loans and managing accounts
• Communicating about your loan status and account

3.2 Legal and Regulatory Compliance

• Complying with federal and state lending regulations
• Anti-money laundering and fraud prevention
• Responding to legal requests and court orders
• Maintaining required lending records

3.3 Business Operations

• Improving our website and services
• Customer service and support
• Marketing our services (with your consent)
• Risk management and security monitoring

4. Information Sharing and Disclosure

Little Lake Lending may share your information in the following circumstances:

4.1 Service Providers

We share information with trusted third parties who help us operate our business:

• Credit reporting agencies for credit checks
• Identity verification and fraud prevention services
• Banking partners for loan funding and payments
• Technology providers for website and data management

4.2 Legal Requirements

We may disclose information when required by law:

• In response to court orders or legal process
• To comply with regulatory examinations
• To protect our rights and property
• In connection with fraud investigations

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity, subject to this privacy policy.

5. Data Security

Little Lake Lending implements industry-leading security measures to protect your information:

5.1 Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Encrypted data storage and secure databases
• Multi-factor authentication for employee access
• Regular security audits and penetration testing
• Intrusion detection and monitoring systems

5.2 Administrative Safeguards

• Strict employee access controls and training
• Background checks for all personnel
• Regular security policy updates
• Incident response and breach notification procedures

5.3 Physical Safeguards

• Secure facilities with controlled access
• Surveillance and alarm systems
• Secure disposal of physical documents
• Environmental controls for data centers

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

6.1 Access and Correction

• Request access to your personal information
• Correct inaccurate or incomplete information
• Update your contact preferences

6.2 Data Portability and Deletion

• Request a copy of your data in a portable format
• Request deletion of your personal information (subject to legal requirements)
• Opt-out of marketing communications

6.3 California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected and to opt-out of sale of personal information.

7. Cookies and Tracking Technologies

Little Lake Lending uses cookies and similar technologies to:

• Remember your preferences and settings
• Improve website functionality and user experience
• Analyze website traffic and usage patterns
• Prevent fraud and enhance security

You can control cookie settings through your browser, though some website features may not function properly if cookies are disabled.

8. Data Retention

Little Lake Lending retains your information for as long as necessary to:

• Provide our services and manage your account
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements
• Prevent fraud and maintain security

We follow industry-standard data retention schedules and securely dispose of information when no longer needed.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your own. Little Lake Lending ensures appropriate safeguards are in place to protect your information during international transfers.

10. Changes to This Privacy Policy

Little Lake Lending may update this Privacy Policy from time to time. We will notify you of significant changes by:

• Posting updates on our website
• Sending email notifications to registered users
• Providing notice through our mobile app

Your continued use of our services after changes become effective constitutes acceptance of the updated policy.

11. Contact Information

12. Regulatory Information

Little Lake Lending is subject to various federal and state regulations, including:

• Fair Credit Reporting Act (FCRA)
• Gramm-Leach-Bliley Act (GLBA)
• Equal Credit Opportunity Act (ECOA)
• Truth in Lending Act (TILA)
• State consumer finance laws