Privacy Policy – IO Lending LLC

Effective Date: 08/01/2025

IO Lending LLC (“we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and safeguard your information when you use our website, loan application portal, and related services.

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1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, email address, phone number, mailing address, date of birth, Social Security number, income, employment details, and other information you provide in your loan application.
• Financial Information: Banking details, credit information, and property-related data needed to process your loan request.
• Technical Information: IP address, browser type, device information, and usage data collected through cookies or analytics tools.

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2. How We Use Your Information

We use the information we collect to:

• Process and evaluate loan applications
• Communicate with you regarding your account, application, or services
• Provide updates, offers, and relevant loan information
• Comply with legal, regulatory, and security requirements

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3. SMS/Text Message Communications

By providing your phone number, you agree to receive text messages from IO Lending LLC regarding your loan application, account updates, and related services.

• Message frequency may vary.
• Reply STOP to cancel at any time.
• Reply HELP for help.
• Message and data rates may apply depending on your mobile carrier.

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4. How We Share Your Information

We do not sell your personal information. We may share your data with:

• Service providers assisting with application processing, verification, or communications
• Credit bureaus and financial institutions as required to evaluate your loan request
• Legal or regulatory authorities when required by law

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5. Data Security

We implement reasonable safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no system is completely secure, and we cannot guarantee absolute protection.

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6. Your Rights & Choices

You may request to review, update, or delete your personal information by contacting us at [Insert Contact Email/Phone]. You may also opt out of promotional communications at any time.

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7. Children’s Privacy

Our services are not directed to individuals under 18 years of age, and we do not knowingly collect information from children.

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8. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date.

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9. Contact Us

If you have any questions about this Privacy Policy or how your information is used, please contact us:

IO Lending LLC
(813) 732-0541