Privacy Policy

This Privacy Policy shall be effective as of July 30, 2025.

This website is owned and operated by CX Lending, LLC, dba Lords of Lending (“Lords of Lending”). At Lords of Lending, we respect and protect the privacy of our website visitors and customers. This Privacy Policy is designed to demonstrate our commitment to safeguarding your privacy. Except where noted otherwise, this Privacy Policy outlines our practices regarding the collection, use, and sharing of information when you access our services, including content located on this website or any other websites, pages, features, or content we own or operate (collectively, the “Site(s)”), or third-party applications relying on our API and related services (collectively, the “Services”).

Our Sites are general audience websites, and we do not knowingly collect personal or other information from children under the age of 18. If you are under 18, please do not use our site. If we suspect that information provided to us is from someone under 18, we will delete, aggregate, or anonymize that information as soon as possible. If you are aware of any individuals under 18 using our services, please notify us so we can take action to prevent their access.

Lords of Lending provides a marketplace to assist small businesses in accessing and managing capital. This Privacy Policy applies to everyone who uses our Sites.

We encourage you to review Lords of Lending’s Terms of Use. Where your consent is required to process your personal information, we will ask for your consent to collect, use, and disclose your personal information as described below. We may provide additional disclosures or information about our data processing practices for specific Services.

1. Types of Information Collected

We collect several types of information about you and your business when you access our Sites.

1.1 Information We Collect Directly From You

• Personal Identification Information: Full name, date of birth, demographic information (e.g., nationality, gender), signature, utility bills, photographs, phone number, home address, IP address, social security number, and email.
• Formal Identification Information: Government-issued identity documents such as Passport, Driver’s License, National Identity Card, State ID Card, Tax ID number, passport number, driver’s license details, national identity card details, visa information, and any other information necessary to comply with our legal obligations.
• Institutional Information: Employer Identification Number (or comparable number), proof of legal formation (e.g., Articles of Incorporation), personal identification information for all material beneficial owners.
• Financial Information: Bank account information, Tax return information, Federal and State Tax ID, Profit and Loss Statements, Income Statements, Credit Score, Business Invoices, and Wire Instructions.
• Transaction Information: Information about transactions made on our Services, such as the name of the recipient, your name, the amount, and the timestamp.
• Correspondence: Survey responses, information provided to our support team or user research team.
• Business Information: Type of business, list of officers, members, or managers, articles of incorporation, certificates of good standing, and ownership structure.

The documents and information collected are securely stored and safeguarded. To fulfill our service obligations to you, you authorize us to share any information provided to or obtained by Lords of Lending with lenders, other businesses that may need this information to fulfill their services to Lords of Lending, or to comply with regulatory or legal requirements. We will not disclose, transmit, or share these documents without your permission, except as required by law.

1.2 Information We Collect Automatically

We collect information about your computer’s interactions with our Sites for various purposes, including customer support, performance improvement, personalized experiences, and fraud prevention. Information collected automatically includes:

• Online Identifiers: Geolocation/tracking details, browser fingerprint, operating system, browser name and version, and device IP addresses.
• Usage Data: Authentication data, security questions, click-stream data, public social networking posts, and other data collected via cookies and similar technologies.

1.3 Information Collected From Third Parties

• Public Databases & ID Verification Partners: Information from public databases and ID verification partners for verifying your identity.
• Credit Bureaus: With your consent, information from credit bureaus, including your credit report.
• Joint Marketing Partners & Resellers: Information about you shared by joint marketing partners or resellers.
• Advertising Networks & Analytics Providers: De-identified information about how you found our Sites and interact with them.

2. How Information is Collected

We obtain information about you during the application process and through your interactions with our Sites. Sources of personal information include:

• Directly from you: From forms you complete or through your use of our Products and Services.
• Indirectly from you: From observing your actions on our Sites.
• Third Parties: From third-party services connected to our Services.

We use cookies, web beacons, log files, and other technologies to track information while you visit our Sites. We may use identifiers to recognize you when you access our Sites via an external link.

3. How Your Information is Used

• Providing Services: To provide the Services to you, including business financing from our partners.
• Service Communications: To keep you updated about our Services and provide transaction-related information.
• Customer Service: To resolve questions, disputes, collect fees, or troubleshoot problems.
• Research and Development: To understand how you use our Services and develop new services.
• Legal and Regulatory Compliance: To comply with laws and regulations.
• Fraud Detection and Prevention: To detect, prevent, and mitigate fraud and protect your account.

4. Disclosures

We may share your personal information as required by law, to provide our Services, and for legitimate business purposes. When we disclose your personal information to a third party for a business purpose, it is done under written contracts that specify the purpose, require the recipient to keep the information confidential, and prohibit using the information for any purpose other than performing the contract.

4.1 Disclosure by Law

You acknowledge and agree that we may disclose information you provide if required by law, at the request of a third party, or if we, in our sole discretion, believe that such disclosure is reasonable to (1) comply with the law, requests, or orders from law enforcement, or any legal process, and (2) protect or defend the rights or property of Lords of Lending or a third party.

4.2 Lenders and/or Brokers

By signing up for our services or submitting a request for a business loan product or service on our Sites, you consent to the disclosure of your information to lenders and/or brokers within our network. We will not perform a credit check without your authorization.

4.3 Disclosure to Trusted Third Parties

Upon completing a profile on the Site and filling out the application, we will share your information with third-party service providers with whom you are matched. By accepting the Terms of Use, you agree to receive various marketing materials from our trusted third parties, including potential lenders and service providers.

4.4 Service Providers

We share your personal information with service providers under contract who help with parts of our business operations, including:

• Network infrastructure
• Cloud storage & payment processing
• Transaction monitoring & security
• Document repository services
• Customer support
• Data analytics & marketing

4.5 – 4.8 Other Disclosures

We may also share your personal information with companies we plan to merge with or be acquired by, third-party advertising platforms, professional advisors providing banking, legal, compliance, insurance, accounting or other consulting services, and for any purpose with your consent.

5. Updating, Accessing, Retaining, and Deleting Your Information

You have the right to update, access, or delete your data, although we may be legally required to retain certain information to comply with the law. You can update or access your contact information at any time by logging into your account. If you wish to stop using your account, you may deactivate it.

We store your personal information securely throughout the life of your Lords of Lending account and retain it only as long as necessary to fulfill the purposes for which it was collected.

6. Opting Out of Receiving Electronic Communications

If you no longer wish to receive promotional email communications from us, follow the instructions in Section 7 below.

7. Security

We have implemented extensive security measures to protect your information. These measures include industry-standard encryption, restricted administrative access, and other proprietary security methods. While we strive to ensure secure transmission of information, no transmission over the internet can be guaranteed 100% secure.

In the event of a data breach, we will notify you as soon as reasonably practicable with information about the breach and any additional information needed to fulfill our obligations under breach notification laws.

8. Choice / Opt-Out of Marketing

You can choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or by contacting us at support@CXLending.com.

California Privacy Notice (CCPA / CPRA)

In addition to the rights provided above, the information in this section applies solely to residents of California. We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and California Privacy Rights Act of 2020 (CPRA). California residents have the following rights:

• Right to Know: Request what personal information we collect, use, disclose, and/or sell.
• Right to Delete: Request the deletion of your personal information, subject to certain exceptions.
• Right to Opt-Out of Sale or Sharing: Opt-out of the “sale”/“sharing” of your personal information.
• Right to Limit Use and Disclosure: Limit the use or disclosure of your sensitive personal information.
• Right to Correct: Request the correction of your inaccurate personal information.
• Right to Non-Discrimination: Not receive discriminatory treatment for exercising your privacy rights.

You can exercise your rights by contacting us at support@CXLending.com, calling customer service at (805) 244-5032, or filling out a request form.

9. Special Notice to Vermont Residents

Vermont law places additional limits on sharing information about residents, allowing sharing only under specific conditions. We will not share information about Vermont residents except as permitted by law.

10. Notification of Privacy Policy Changes

We may update this Privacy Policy to reflect changes in our practices. If we make any material changes, we will notify you by email or via a notice on the Site.

11. Contact Information

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at: