As of October 30, 2015
We value your comments about our privacy statement and invite you to e-mail us with inquiries, suggestions and complaints at: email@example.com. Please read the following to learn more about what information we collect, what we do with that information, and how we may use your personal information.
How Information is Collected. To enhance your user experience and improve the Lendoor Services, Lendoor collects information about you from two sources: (i) information you affirmatively give to us; and (ii) information automatically collected when you use any Lendoor Services. Third parties involved in administration, sales, marketing, legal, system administration, technical service providers, mail carriers, hosting providers, IT companies, and communications agencies may also collect your information in connection with your use of Lendoor Services unless a user refuses to consent to the disclosure of information to third parties.
Information You Affirmatively Give Us. In using Lendoor Services, you may provide us with personally identifiable information. This refers to information about you that can be used to contact or identify you, and information about your use of and activities on our website that may be connected with you ("Personal Information"). Personal Information that we collect may include, but is not limited to, your first and last name, email address, birthday, bank account or other billing information, username, phone and fax number, gender, company name, profession, address, Social Security number, username and password. Personal Information may also include information you supply to us concerning your preferences, geographic location, financial data, business interests and other interests expressed in the course of your use Lendoor Services, as well as certain representations and warranties that you are required to make while using Lendoor Services. You are responsible for any personal data of third parties obtained, published or shared through this Application and confirm that you have the third party's consent to provide the data to Lendoor.
Creating a Lendoor Account and Profile Information. When you create a Lendoor account, you provide access credentials in the form of an email address, username and password. You may update or modify your profile information and contact information at any time. Profile information is publicly available on Lendoor website to anyone.
Content and Public Information. Lendoor is a crowdfunding platform, so most information you provide us is information that you choose to share with your social network. This includes the representations and warranties that you are required to make when pledging to lend or launching a crowdlending campaign, as well as some of your Personal Information required to form a legally binding contract in the form of a promissory note. Additionally, some communications between Borrowers and Lenders are visible to all registered Lendoor users that have access to a pearticular crowdlending campaign.
Location Information. Besides profile information, you may also tell us your exact location if you enable your mobile device to send us location information. We may use and store information about your location to provide features of our Services.
How We Use Personal Information
Use of Personal Information. Personal Information is or may be used for the following purposes: (i) to provide and improve Lendoor Services, (ii) to administer your use of Lendoor Services, (iii) to enable you to enjoy and easily navigate the Lendoor Site, (iv) to better understand your needs and interests, (v) to fulfill requests you may make, (vi) to personalize your experience, (vii) to provide or offer updates and product announcements, and (viii) to provide you with further information and offers from us or third parties that we believe you may find useful or interesting, including newsletters, marketing or promotional materials and other information on services and products offered by us or third parties.
We use information we obtain by technical means (such as the automatic recording performed by our servers or through cookies) for the above purposes and to monitor and analyze use of Lendoor Services; for technical administration of Lendoor Services; to increase functionality and user-friendliness of Lendoor Services; to better tailor Lendoor Services to your needs, and to generate and derive useful data and information concerning the interests, characteristics, and use behavior of our users.
We have your explicit consent to share the information;
You lunch a loan campaign or pledge to support loan campaign;
We need to share your information to fulfill your service request;
We wish to contact you with information about services from our business partners;
We have a good faith belief that sharing or otherwise permitting access, disclosure, use or preservation of such information is reasonably necessary to comply with our legal obligations;
We believe it is necessary to investigate, prevent or take action regarding illegal activities, suspected fraud or potential threats against persons or property; or
We believe it is necessary to investigate potential violations of our Terms of Service, or to enforce those Terms of Service.
With Whom Information is Shared
Public Information. Lendoor may share as it sees fit information that you voluntarily make public. Since such public information can be accessed by the public and used by any member of the public, such use by third parties is beyond the control of Lendoor.
Personal Information. Subject to the paragraph that follows, if we have your express consent, Lendoor may share your personal information it collects with business partners and other third parties that are not affiliated with Lendoor. Lendoor will never share your personal information without your consent, unless compelled to do so by law. However, by launching a loan campaign or pledging to lend, you consent to Lendoor sharing necessary personal information with the applicable Borrower(s) and/or Lender(s) and business partners.
Under narrow circumstances, Lendoor may disclose your personal information without asking for your consent to protect the legal rights of Lendoor or its affiliates, and each of their respective investors, directors, officers, employees, agents, and suppliers; to protect the safety and security of users of the Lendoor Services or to enforce our Terms of Service; to protect against fraud or for risk management purposes; or to comply with or respond to the law or legal process or a request for cooperation by a government entity, whether or not legally required. If you notify us that you believe your legal rights have been violated by Lendoor or another user of Lendoor Services, we may provide the information you provide to us to others if we believe it is necessary to evaluate and respond to your complaint. For instance, if you submit a notice of copyright infringement to us, we may send a copy to the person or entity who uploaded, stored, or transmitted the material addressed by the communication.
Non-Personal Information and Aggregate Data
Lendoor may share with third parties your non-personal information and related aggregated data. For example, Lendoor may share IP addresses or general demographic information of its users to provide anonymous aggregated data to business partners about the volume of use on Lendoor Services and the opportunities in which users are most interested. Because this form of data does not identify particular users, these third parties will not be able to contact you based solely on this data.
Change of Control
If Lendoor sells all or part of its business, makes a sale or transfer of assets, is otherwise involved in a merger or business transfer, or in the unlikely event of bankruptcy, Lendoor may transfer your personal information and non-personal information to one or more third parties as part of such transaction.
How You Can Control the Information We Collect, Use and Share
You have the choice about whether to disclose your personal information or other information about yourself to Lendoor. Regardless of your choices regarding promotional communications and updates regarding content, Lendoor may send you administrative messages, service announcements, terms and conditions of your account, or other similar communications, without offering you the opportunity to opt out of receiving them.
You may cancel your account at any time. Please note that if you cancel your account, Lendoor may retain some information about you but will discontinue posting such information on Lendoor Services. Additionally, deleting your account will not delete any content that you have already posted on the Site.
Our Policy Toward Children
The Lendoor Services are not directed to children under 18 years of age. In order to use Lendoor, you are required to be 18 years of age or older. We do not knowingly collect personally identifiable information from children under 18. If a parent or guardian learns his or her child has provided us with Personal Information, he or she should contact us at firstname.lastname@example.org. If we learn a child under 18 has provided us with Personal Information, we will delete such information from our files.
Changes and Updates
If Lendoor should ever sell its assets, merge with another entity or file for bankruptcy, information collected from this website and in the operation of the services may be transferred as assets of Lendoor.