LEGAL

PRIVACY NOTICE

Last updated: January 2024

This online privacy notice for Alt Lending LLC (“Company,” “we,” “us,” or “our”), describes how we collect, store, use, and/or secure the personal information we gather about you through our services (“Services”), such as when you:

    • Visit our website at https://www.altlendingllc.com, or any website of ours that links to this privacy notice (the “Site”).
    • Download and use our mobile application (Alt Lending), our Facebook application (Alt Lending), or any other application of ours that links to this privacy notice.
    • Engage with us in other related ways, including any sales, marketing, or events.

For purposes of this Notice , personal information means data that classifies as personal information, personal data, personally identifiable information, or similar terms under applicable data privacy and security laws and regulations. It does not include data excluded or exempted from those laws and regulations, such as aggregated, anonymized, or deidentified data. Nothing in this Notice will constitute an admission or evidence that any particular data privacy or information security law or regulation applies to the Company generally or in any specific context.

This Notice expressly incorporates any privacy notices we may issue to supplement this Notice. Depending on your residency, a supplemental privacy notice may apply to you. For example, if you are a California resident, please view our California Privacy Notice. If you are an employee or job applicant, please review our Employee Privacy Notice.

Questions or concerns? Reading this Notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at info@thealtlender.com.

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for.

YOU CONSENT TO THIS NOTICE

You should read this Notice carefully, so that you understand our privacy practices and our Terms of Use. By accessing, browsing, downloading, or otherwise using the Services, you confirm that you have read, understood, and agreed with this Notice. If you do not agree to this Notice, you may not use the Services.

This Notice and the Terms of Use apply regardless of how the Services are accessed and will cover any technologies or devices by which we make the Services available to you.

We may provide you with additional privacy notices where we believe it is appropriate to do so. It is important that you read this Notice together with any other privacy notice or terms we may provide on specific occasions, so that you are fully aware of how and why we are using your data. This Notice supplements these other notices and is not intended to override them.

If you have any questions or concerns about our personal information policies or practices, you can contact us in the methods described in the “Contact Us” section below.

HOW DO WE KEEP YOUR INFORMATION SAFE?

We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Learn more about how we keep your information safe.

WHAT TYPES OF INFORMATION DO WE COLLECT?

We collect information you voluntarily provide directly to us, information that we collect automatically when you interact with the Services, and information collected from third parties. The categories of personal information that we collect and the purposes for which we collect that information are described below.

1. Categories of Personal Information We Collect
The following list describes the categories of personal information we collect.

    • Financing Application Information includes name, email address, postal mailing address, telephone number, date of birth, profile photo, username, and password. We may also collect identity verification information in connection with creating your account such as your Social Security Number, passport information, driver’s license information, other identity documents, and tax-related information. We collect this information for the purposes of account creation and maintenance, advertising and marketing, analytics and research, customer service, providing the Services, and website security and maintenance.
    • Analytics Information. We collect certain analytics information automatically as you navigate our Services. This includes cookies, tracking pixels, tags or similar tools, which may collect information about your browser, device, geolocation, and interactions with the Services, Site, or emails. For more information, please view the How Do We Use “Cookies” and Other Tracking Technologies?” section below. We collect this information for the purposes of account management, advertising and marketing, analytics and research, customer service, providing the Services, and website security and maintenance.
    • Contact Information includes name, email address, postal mailing address, contacts you choose to submit, and phone number. We collect this information when you provide it directly to us such as signing up for newsletters, requesting information about our services, creating an account, or filling out a form. We collect this information for the purposes of advertising and marketing, analytics and research, and customer service.
    • Financial Information includes financial data, credit worthiness data, and student data. We, or our service providers, collect this information for the purposes of account management, customer service, providing the Services, and website security and maintenance.
    • Responses to Surveys and Questionnaires includes information you provide to us when you respond to marketing materials, promotions, contests, or other surveys. We collect this information for the purposes of advertising and marketing, analytics and research, and customer service.
    • Social Media Information includes your social media account information if you choose to register in this way and information that you post by sharing on a blog or another social media platform, or information you post on public areas of our Services, such as your profile photo. We collect this information when you provide it directly to us. Please note that your comments will be visible to the public, so you should never share personal information that you would like to keep private. We collect this information for the purposes of advertising and marketing, and analytics and research.
    • Application Data. We may collect certain information if you use our application, including geolocation information, mobile device data. We may request access or permission to track location-based information from your mobile device, either continuously or while you are using our mobile application(s), to provide certain location-based services. If you wish to change our access.

We automatically collect device information (such as your mobile device ID, model, and manufacturer), operating system, version information and system configuration information, device and application identification numbers, browser type and version, hardware model Internet service provider and/or mobile carrier, and Internet Protocol (IP) address (or proxy server). If you are using our application(s), we may also collect information about the phone network associated with your mobile device, your mobile device's operating system or platform, the type of mobile device you use, your mobile device's unique device ID, and information about the features of our application(s) you accessed.

Push Notifications. We may request to send you push notifications regarding your account or certain features of the application(s). If you wish to opt out from receiving these types of communications, you may turn them off in your device's settings.

This information is primarily needed to maintain the security and operation of our application(s), for troubleshooting, and for our internal analytics and reporting purposes. All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information. If you opt out, you may not be able to use certain aspects of the Services.

2. Purposes for Collection of Personal Information

The following chart identifies the purposes for which we collect your personal information, as well as information regarding our use and disclosure of that personal information. Please note that we may not collect each category of information about each user of our Services.

 

Purpose

Categories of Personal Information

Targeted Ad

Data Shared with Third Parties

Categories of Third Parties

Account Management

Financing Application Information

Analytics Information

Financial Information

Application Data

Yes

Analytics Information

Analytics Providers

Third Party Advertisers

Providing the Services

Financing Application Information

Analytics Information

Financial Information

Application Data

Yes

Analytics Information

Commercial History

Contact Information

Analytics Providers

Third Party Advertisers

 

Advertising and Marketing

Financing Application Information

Analytics Information

Contact Information

Financial Information

Responses to Surveys and Questionnaires

Social Media Information

Application Data

 

Yes

Analytics Information

Commercial History

Contact Information

Analytics Providers

Third Party Advertisers

Analytics and Research

Financing Application Information

Analytics Information

Contact Information

Financial Information

Responses to Surveys and Questionnaires

Social Media Information

Application Data

 

Yes

Analytics Information

Commercial History

Contact Information

Social Media Information

Analytics Providers

Third Party Advertisers

 

Customer Service

Financing Application Information

Analytics Information

Contact Information

Financial Information

Responses to Surveys and Questionnaires

Application Data

Yes

Analytics Information

Analytics Providers

Third Party Advertisers

Website and Application Security and Maintenance

Financing Application Information

Analytics Information

Financial Information

Application Data

No

N/A

N/A

 

3. We do not sell any of your information.

4. Other Ways We Collect, Use, or Share the Information
We also reserve the right to collect, use, or share personal information for the following purposes:

    • To Provide the Services. We will use your personal information to provide the Services, including to improve operations and offerings and for security purposes.
    • To Present the Site. We will use personal information to present our Site and its contents in a suitable and effective manner for you and your device.
    • For Legal Purposes. We reserve the right to cooperate with local, provincial, state, federal and international officials in any investigation requiring either personal information or reports about lawful or unlawful user activity on this site. We also reserve the right to share your personal information to establish, exercise, or defend our legal and property rights, including providing information to others for the purposes of fraud prevention. We may also share your personal information with any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

Please note that we are in a highly regulated industry, and we therefore may need to provide your information to regulators, agencies, or other groups that have oversight. We may also use your information to fulfill our obligations under applicable laws, regulations, or standards, including relating to threat detection and to determine whether we can provide Services to you.

    • Business Transactions or Mergers. We reserve the right to share your personal information to third parties as part of any potential business or asset sale, merger, acquisition, investment, round of funding, or similar type of transaction. Additionally, if we are entering into a corporate transaction with a third party, we may receive personal information in connection with the diligence. If we close a transaction, we may transfer personal information to the purchaser or the third party may transfer personal information, which we would use as described in this Notice.
    • Bankruptcy or Insolvency. In the event of bankruptcy, insolvency, or dissolution proceedings, we may share your personal information with third parties as part of the sale or reorganization process.
    • Service Providers. We use service providers to perform various functions on our behalf. Such service providers will be under contractual obligations to safeguard your personal information and only process it in accordance with our instructions, or as otherwise permitted by applicable laws. We may also receive personal information from service providers.
    • Business Partners and Affiliates. We may collect personal information from and share personal information with our business partners and affiliates, including legal advisors and financial advisors, and co-branded partners. We may combine that information with other information we collect about you, but we will always use the information as described in this Notice. We may also share information with our affiliates, subsidiaries, joint ventures or other companies under common control.
  •  

HOW DO WE USE “COOKIES” AND OTHER TRACKING TECHNOLOGIES?

We send cookies to your computer or other device. We may also use other similar technologies such as tracking pixels, tags, or similar tools when you visit our Services. These technologies can collect data regarding your operating system, browser type, device type, screen resolution, IP address, and other technical information, as well as navigation events and session information as you interact with our Services. This information allows us to understand how you use the Services.

  1. What Are Cookies?

Cookies are small files created by websites, including our Services, that reside on your computer’s hard drive and that store information about your use of a particular website. When you access our Services, we use cookies and other tracking technologies to:

    • Estimate our audience size and usage patterns;
    • Store information about your preferences, allowing us to customize our Services according to your individual needs;
    • Contact you to provide you with information or services that you request from us;
    • Advertise new content, events, and services that relate to your interests;
    • Provide you with more personalized content that is most relevant to your interest areas; and
    • Recognize when you return to our Services.

We set some cookies ourselves and others are set by third parties. You can manage your cookies preference as described in the Managing Your Cookies” section below.

2. What Types of Cookies Do We Use and Why?

The following chart lists the different types of cookies that we and our service providers use on the Services, examples of who serves those cookies and links to the privacy notices and opt-out information of those cookie servers. Because the specific cookies we use may vary over time, as well as differ by the specific page you are browsing, the below chart is illustrative only.

Types of Cookies

Purpose

Who Serves
(for example)

Essential

These cookies are required for the operation of the Services and enable you to move around the Services and use its features.  Disabling these cookies can negatively impact the performance of Services.

·   Google

 

Functionality

These cookies are used to recognize you when you return to the Services.  This enables us to personalize content for you and remember your preferences. These cookies also enable your interactions with the Services such as emailing us and customer support chat.

·   Google

 

Analytics, Performance, and Research

These cookies, beacons, and pixels allow us to analyze activities on the Services. They can be used to improve the functioning of the Services. For example, these cookies recognize and count the number of visitors and see how they move around the Services. Analytics cookies also help us measure the performance of our advertising campaigns to help us improve them and to optimize the content on the Services for those who engage with our advertising.

·   Google

 

Advertising

These cookies and pixels are used to deliver relevant ads, track ad campaign performance, or track email marketing.

·   Google

 

 

We do not use analytical tools in a manner that discloses to third parties that a specific person viewed specific video materials.

3. How Long Do Cookies Stay on My Device?

Some cookies operate from the time you visit the Services until the end of that particular browsing session. These cookies, which are called “session cookies,” expire and are automatically deleted when you close your Internet browser.

Some cookies will stay on your device between browsing sessions and will not expire or automatically delete when you close your Internet browser. These cookies are called “persistent cookies” and the length of time they will remain on your device will vary from cookie to cookie. Persistent cookies are used for a number of purposes, such as storing your preferences, your use of the Services over time, and the effectiveness of advertising efforts.

4. Managing Your Cookies

 It may be possible to block cookies by changing your Internet browser settings to refuse all or some cookies. If you choose to block all cookies (including essential cookies), you may not be able to access all or parts of the Services. You can find out more about cookies and how to manage them by visiting www.AboutCookies.org.

5. Does the Site Respond to “Do Not Track” Signals?

At this time, our Site does not respond differently based on a user’s Do Not Track signal. 

HOW DO WE MANAGE YOUR SOCIAL LOGINS?

If you choose to register or log in to our Services using a social media account, we may have access to certain information about you.

Our Services offer you the ability to register and log in using your third-party social media account details (like your Facebook or Twitter logins). Where you choose to do this, we will receive certain profile information about you from your social media provider. The profile information we receive may vary depending on the social media provider concerned, but will often include your name, email address, friends list, and profile picture, as well as other information you choose to make public on such a social media platform. If you log in using Facebook, we may also request access to other permissions related to your account, such as your friends, check-ins, and likes, and you may choose to grant or deny us access to each individual permission.

We will use the information we receive only for the purposes that are described in this privacy notice or that are otherwise made clear to you on the relevant Services. Please note that we do not control, and are not responsible for, other uses of your personal information by your third-party social media provider. We recommend that you review their privacy notices to understand how they collect, use, and share your personal information, and how you can set your privacy preferences on their sites and apps.

COLORADO, CONNECTICUT, VIRGINIA, AND UTAH USERS’ RIGHTS

Colorado, Connecticut, Utah, and Virginia residents have certain rights with respect to their data. These rights are established through the Colorado Privacy Act (“CPA”), the Connecticut Data Privacy Act (“CTDPA”), the Utah Consumer Privacy Act (“UCPA”), and the Virginia Consumer Data Protection Act (“VCDPA”). The chart below explains these rights and lists the states whose residents may exercise those rights. To exercise any of the following rights listed in the chart below, please see our Data Privacy Request page or our Your Privacy Rights page.

 

Consumer Right

Explanation

Applies to Residents of:

Right to Know/Access

You have the right to confirm whether we are processing your personal data, and the right to access that data.

Colorado, Connecticut, Utah, Virginia

Right of Correction

You have the right to correct inaccuracies in your personal data, taking into account the nature of the personal data and the purposes of the processing of the personal data.

Colorado, Connecticut, Virginia

Right of Deletion

You have the right to delete, subject to certain exceptions, your personal data provided by you or obtained about you.

 

*Note: If you are a Utah resident, this only applies to personal data you have provided directly to us.

Colorado, Connecticut, Utah*, Virginia

Right of Portability

Up to two times per calendar year, you have the right to obtain your personal data in a portable and—to the extent technically feasible—readily usable format that allows you to transmit the data to another entity without hindrance.

 

*Note: If you are a Utah resident, this only applies to processing carried out by automated means.

Colorado, Connecticut, Utah*, Virginia

Right to Opt-out: Colorado, Connecticut, and Virginia

You have the right to opt-out of the processing of your personal data for the purposes of:

(1)  Targeted advertising;

(2) The sale of personal data; and/or

(3) Profiling in furtherance of decisions that produce legal or similarly significant effects concerning you.

 

To opt-out, please visit our Your Privacy Rights page.

Colorado, Connecticut, Virginia

Right to Opt-out: Utah

You have the right to opt-out of the sale of personal data or targeted advertising.

 

To opt-out, please visit our Your Privacy Rights page.

Utah

    • Sensitive Information

Sensitive Data as defined in the CTDPA, UCPA and VCDPA includes precise geolocation information. We will not collect this information from Connecticut, and Virginia residents without first obtaining consent. Utah residents have the right to opt out of this collection.

    • Exercising Your Rights

If you are a Colorado, Connecticut, Virginia, or Utah resident and wish to exercise one of the above rights and it applies to you, please visit our Data Subject Request page or our Your Privacy Rights page.

If necessary, we may request additional information reasonably necessary to authenticate you and your request.

In certain circumstances, you may make a request on behalf of another such as if you are an authorized agent or the parent or guardian of a child on behalf of whom you wish to exercise their rights.

We will respond to these consumer requests, if applicable, within 45 days of receipt of the request and without undue delay. If we need to extend this period, we will notify you of the delay and explain the reasonably necessary justifications for our delay.

We will provide responses to your requests free of charge unless certain exclusions apply, depending on the state in which you reside. We may charge a fee in:

Colorado, Connecticut, and Utah, if you make more than one request in a twelve-month period; and Connecticut and Virginia, if the request is manifestly unfounded or excessive, or repetitive in nature.

    • Appealing a Rights Request Decision

If you are a resident of Colorado, Connecticut, or Virginia, and we deny or fail to take action on your request to exercise your applicable consumer privacy rights, you may appeal our decision. To do this, you may email us at info@thealtlender.com. In the email appeal, please specify the right(s) you requested to exercise and the date you made such a request.

We will inform you in writing within 45 days of any action taken or not taken in response to the appeal. We will also provide a written explanation of the reasons for our decisions regarding your request(s).

ADVERTISING AND MARKETING CHOICE

We respect your rights in how your personal information is used and shared. We may communicate with you via email, telephone, postal mail, and/or your mobile device about our products and services. If at any time you would like to unsubscribe from receiving future marketing emails, you can email us at info@thealtlender.com. follow the instructions at the bottom of each applicable email, or reply "STOP" or "UNSUBSCRIBE" to the SMS messages that we send, and we will promptly remove you from those marketing correspondences that you choose to no longer receive. Please note, however, that we may still need to contact you regarding other matters.

HOW LONG DO WE KEEP YOUR INFORMATION?

We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us to keep your personal information for longer than the period of time in which users have an account with us.

If you use our mobile application, you can delete your account by submitting a request to info@thealtlender.com or by deleting your account through the application itself. If you delete your account from within the application, we will delete the accompanying personal data unless we are required to retain it for legal, regulatory, contractual, or other compliance purposes.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

HOW DO WE KEEP YOUR INFORMATION SAFE?

We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

WHERE IS YOUR PERSONAL INFORMATION HELD?

We process personal information on our servers in the United States of America and may do so in other countries. If you use our Services or otherwise provide us with information from outside of the United States, you expressly consent to the transfer of your data to the United States, the processing of your data in the United States, and the storage of your data in the United States.

THIRD PARTY LINKS

Our Services may contain links to third-party websites. When we provide links, we do so only as a convenience and we are not responsible for any content of any third-party website or any links contained within. It is important to note that this Notice only applies to our Services. We are not responsible and assume no responsibility for any personal information collected, stored, or used by any third party as a result of you visiting third-party websites. We also advise that you carefully read the privacy notice of any third-party websites you choose to visit.

DO WE COLLECT INFORMATION FROM MINORS?

Protecting the privacy of the very young is especially important. Our Services are not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. In the event that we learn that we have collected personal information from a child under age 13 without verification or parental consent, we will immediately delete that information. If you believe that we might have any information from or about a child under 13, please contact us using the information provided in the “Contact Us” section below.

DO WE MAKE UPDATES TO THIS NOTICE?

Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

Contact Us

If you have questions or comments about this Privacy Notice, you may email us at info@thealtlender.com or by mail to:

Alt Lending LLC
8701 E. Hartford Dr
Suite 125
Scottsdale, AZ 85255

CALIFORNIA PRIVACY NOTICE

Last updated: January 2024

Your privacy is important to us at Alt Lending LLC and our affiliates and subsidiaries (“Company,” “we,” “us,” or “our”), and we are committed to safeguarding, preserving, and respecting your privacy rights. If you are a California resident, you have certain rights with respect to the collection, use, transfer, and processing of your personal information, as defined by the California Consumer Privacy Act (“CCPA”), Cal. Civ. Code § 1798.100 et seq., as amended by the California Privacy Rights Act, and implementing regulations.

 This California Privacy Notice (“Notice”) describes how we collect, use, share, disclose, retain, and secure the personal information we gather about you through our website, https://www.altlendingllc.com, (the “Site”), when you interact with us as a customer, or otherwise (collectively, the “Services”), that is subject to the CCPA. It does not apply to personal information that is excluded or exempted. It also does not apply to personal information collected from employees or contractor in that capacity. If you are an employee or contractor, please see our Employee Privacy Policy.

 We reserve the right to limit these rights where permitted under applicable law, including where your identity cannot be reasonably verified or to the extent your rights adversely affect the rights and freedoms of others.

What Information Do We Collect?

 The below examples are illustrative examples from the CCPA and do not reflect the specific pieces of information we collect.

 In the previous 12 months, we have collected the following categories of personal information:


Category[1]

 

Examples

 

Collected

 

Retention Period

A. Identifiers

 

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.

 

Yes

Duration of the relationship or as required by law

B. Personal Information

 

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

 

Some personal information included in this category may overlap with other categories.

 

Yes

Duration of the relationship or as required by law

C. Protected Classification Characteristics Under California or Federal Law

 

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

 

Yes

Duration of the relationship or as required by law

D. Commercial Information

 

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

 

Yes

Duration of the relationship or as required by law

E. Biometric Information

 

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

 

No

N/A

F. Internet or Other Similar Network Activity

 

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.

 

Yes

26 months

G. Geolocation Data

 

Physical location or movements.

 

Yes

26 months

H. Sensory Data

 

Audio, electronic, visual, thermal, olfactory, or similar information.

 

No

N/A

I. Professional or Employment-Related Information

 

Current or past job history or performance evaluations.

 

No

N/A

J. Non-Public Education Information

 

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

 

No

N/A

K. Inferences Drawn of the Consumer

 

Inferences drawn from personal information identified above to create a profile about a consumer reflecting a consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

 

Yes

26 months

L. Sensitive Personal Information

Personal information that reveals (a) Social Security, driver’s license, state identification card, or passport number; (b) account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credential allowing access to an account; (c) precise geolocation; (d) racial or ethnic origin, religious or philosophical beliefs, or union membership; (e) the contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication; or (f) genetic data.

 

Biometric information processed for the purpose of uniquely identifying a consumer, personal information collected and analyzed concerning a consumer’s health, sex life, or sexual orientation.

 

Some Sensitive Personal Information included in this category may overlap with other categories.

Yes

Duration of the relationship or as required by law

[1] Categories of personal information are as defined in Cal. Civ. Code. § 1798.140(v).

Sources From Which Personal Information Is Collected

We collect your personal information directly from you, from your interaction with the Site, from publicly available sources, and from service providers and third parties which collect the personal information directly from you.

Business or Commercial Purposes for Which Personal Information Is Collected

Your personal information is used for the following purposes: financing application; to provide the Services and Site; advertising and marketing; analytics and research; customer service; website security and maintenance; and for legal, regulatory, and other compliance purposes. Please see our Privacy Notice for additional information.

Third Parties with Whom Personal Information Is Disclosed, Shared, or Sold

In the preceding 12 months, we have disclosed the following personal information about consumers for business purposes:

  • We disclose personal information in categories A (identifiers), B (personal), D (commercial), F (internet), G (geolocation), K (inferences), and L (sensitive) with service providers.
  • We disclose personal information in categories A (identifiers), B (personal), D (commercial), F (internet), G (geolocation), K (inferences), and L (sensitive) with government agencies for legal, regulatory, or other compliance purposes.
  • We disclose content posted on our social media platforms with other consumers. Such posts may include personal information in categories A (identifiers) and B (personal), but the content depends on the individual posts. Please note that your comments will be visible to the public, so you should never share personal information that you would like to keep private.
  • We may share all of our information, including your personal information, with our subsidiaries and affiliates in connection with providing the Services to you or otherwise in connection with business operations.

In the preceding 12 months, we have shared for cross-context behavior advertising the following the personal information in categories A (identifiers), B (personal), D (commercial), F (internet), G (geolocation), and K (inferences).

In the preceding twelve (12) months, we have not sold the personal information of any consumer for monetary consideration. However, our use of cookies and other tracking technologies may be considered a sale of personal information under the CCPA. Categories of personal information that we have sold under the CCPA include categories A (identifiers), B (personal), D (commercial), F (internet), G (geolocation), and K (inferences). Categories of third parties to whom personal information is sold under the CCPA include data analytics providers and advertising and marketing providers.

You can opt out of the sale or sharing of your personal information by contacting us at info@thealtlender.com or Your Privacy Choices. Please note that your use of our website will still be tracked by us and our service providers.

We do not have actual knowledge that we sell or share the personal information of consumers under sixteen (16) years of age.

Individual Rights

  1. Right to Know About Personal Information Collected, Disclosed, Shared, or Sold

You have the right to request that we disclose the personal information we collect, use, and disclose about you to third parties. There are two types of Rights to Know requests that you can make:

  1. Right to Know (Abbreviated Request): If you make a Right to Know (Abbreviated Request), you will receive the following information about you:
    1. Categories of personal information collected, sold, or shared;
    2. Categories of sources from which personal information is collected;
    3. Categories of third parties to whom the information is sold, shared or disclosed;
    4. Business or commercial purpose for collecting, sharing, or selling personal information;
    5. Categories of personal information disclosed for a business purpose and categories of persons to whom it was disclosed for a business purpose.
  2. Right to Know (Specific Pieces of Information Request): If you make a Right to Know (Specific Pieces of Information Request), you will receive the following information about you:
    1. Specific pieces of personal information collected about you.

This information will be provided to you free of charge, unless we determine that your request is manifestly unfounded or excessive. You may request this information twice in a 12-month period.

There are certain exceptions to a consumer’s Right to Know. We will state in our response if an exception applies.

b. Right of Deletion

You have the right to request that we and our service providers delete any personal information about your which we have collected from you upon receipt of a verifiable request. This right is subject to certain exceptions. We will state in our response if an exception applies.

c. Right to Opt-Out of the Sale or Sharing of Personal Information

You have the right to opt-out of the sale or sharing of your personal information by a business subject to certain laws and regulations. You can opt out of the sale or sharing of your personal information by contacting us at info@thealtlender.com or Your Privacy Choices.

Please note that opt-out choices may be stored via cookies. If you clear cookies, if your browser blocks cookies, or if you view the page from a different browser or device, your opt-out choice may no longer be logged or recognized.

d. Right to Non-Discrimination

You have the right not to receive discriminatory treatment for exercising the privacy rights conferred by California law. We will not discriminate against you because you exercised any of your privacy rights, including, but not limited to, by: denying goods or services to you; charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; providing a different level of quality of goods or services to you; or suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services. We will also not retaliate against any employee, applicant for employment, or independent contractor for exercising their rights under the CCPA.

e. Right of Correction

If we maintain inaccurate personal information about you, then you have the right to request that we correct the inaccurate personal information upon receipt of a verifiable request. Taking into account the nature of the personal information and purposes of processing the personal information, you have the right to request that we correct inaccurate personal information about you, if applicable.

f. Right to Limit Use and Disclosure of Sensitive Personal Information

If we process Sensitive Personal Information, we will only do so for the purposes specifically authorized by California law and in a manner that is necessary and proportionate for those purposes. As such, we do not perform any processing for which a Right to Limit request is available.

g. Submitting Requests

You can submit your request by emailing us at info@thealtlender.com, by phone at 844-258-5363, or by submitting a Data Privacy Request.

h. Verifying Requests


To ensure the protection of your personal information, we must verify that the individual submitting a request to know, request to delete, or request to correct is the consumer to whom the request relates prior to processing the request. To verify a California consumer’s identity, we may request up to three pieces of personal information about you when you make a request to compare against our records. We may also request that you sign a declaration under the penalty of perjury from the consumer whose personal information is the subject of the request.

Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in your request to verify your identity and will delete any information you provide after processing the request. We reserve the right to take additional steps as necessary to verify the identity of California consumers where we have reason to believe a request is fraudulent.

i. Authorized Agents

You may choose a person or a business registered with the California Secretary of State that you authorize to act on your behalf to submit your requests (“Authorized Agent”). If you choose to use an Authorized Agent, we require that you provide the Authorized Agent with written permission to allow them to submit your request and that you verify your identity directly with us. Failure to do so may result in us denying your request.

Contact Us

If you have any questions about this Notice, please contact us by email at info@thealtlender.com or at 8701 E. Hartford Dr, Suite 125, Scottsdale, AZ 85255.

DATA PRIVACY REQUEST

Last updated: February 2024

California residents have certain rights with respect to their data. Please note that your eligibility to exercise certain rights depends on your state of residency. If a right does not apply to you, we will inform you in our response.

California Residents.

For more information about your rights, please review our California Privacy Notice. For more information about how to opt out of the sale or sharing of your personal information please visit our Your Privacy Choices page.

Colorado, Connecticut, Utah, and Virginia Residents.

For more information about your rights, please visit our Privacy Notice. For more information about how to opt out of the sale of your personal data, the use of your personal data for the purposes of targeted advertising, please visit the Your Privacy Choices page.

ELECTRONIC COMMUNICATION POLICY

Last updated: February 2024

Please read this Electronic Communications Disclosure (“eCommunications Disclosure”) thoroughly. It contains important information about your legal rights. 

This eCommunications Disclosure covers all your accounts, products, and services with Alt Lending, LLC (collectively, “we”, “us”, and “our”) accessible, either currently or in the future, through our app, websites, or other electronic means, in connection with any of our products or services. The words “you” and “your” mean each account holder, product owner and/or service user identified on an account, product or service.

Your Legal Rights

Certain laws and regulations require us to provide specific information to you in writing, which means you have a right to receive that information on paper. We may provide such information to you electronically if we first present this eCommunications Disclosure and obtain your consent to receive the information electronically. Your consent will also apply to any other person named on your account, product or service, subject to applicable law. Since certain of our accounts, products or services are provided online and use electronic means to deliver some of this information, you must consent to this eCommunications Disclosure to use these services. At times, we may still send you paper communications, but as a basic proposition we need to know that you are willing to receive communications electronically that we may otherwise be required to provide on paper and that you have the hardware and software needed to access to this information.

Types of Electronic Communications You Will Receive

You understand and agree that we may provide to you in electronic format only, such as by posting the information on the website where you access your accounts, products or services, through e-mail (if applicable and if you have provided a valid e-mail address), or through other electronic means, agreements, disclosures, notices, and other information and communications regarding your accounts, services and products, the use of our websites or our other electronic services, your relationship with us, and/or other programs, products or services that are or may be in the future made available to you (collectively, “Communications”). Such Communications may include, but are not limited to:

  • This eCommunications Disclosure and any updates;
  • Any service or user agreements for access to our websites or other electronic services, all updates to these agreements and all disclosures, notices and other communications regarding transactions you make through websites or our other electronic services;
  • Disclosures, agreements, notices and other information related to the opening or initiation of an account, product or service including, but not limited to, account agreements, fee schedules or other disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
  • Periodic, annual, monthly or other statements, disclosures and notices relating to the maintenance or operation of an account, product or service including, but not limited to account information, account activity, account inactivity, payments made or due, or other statements, disclosures or notices that may be required by the Truth in Savings Act, Electronic Fund Transfer Act, Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Gramm Leach Bliley Act, the Real Estate Settlement Procedures Act or other applicable federal or state laws and regulations;
  • Any notice or disclosure regarding an account, product or service fee;
  • Any notice of the addition of new terms and conditions or the deletion or amendment of existing terms and conditions applicable to accounts, products or services you obtain from us;
  • Our Privacy Notice and other privacy statements or notices (by posting such notices on our website) or electronically delivered;
  • Certain tax statements or notices that we are legally required to provide to you; and
  • Certain information or forms that we request from you and ask you to submit electronically, such as signature cards, tax documentation (ie W-9s), or other agreements.

Types of Communications You Will Receive in Paper

This eCommunications Disclosure does not apply to any communications that we determine, in our sole discretion, that we are required to deliver in paper form under applicable law or that you should receive in paper rather than electronic form.

Such communications shall be mailed to the primary address we show for you in our records or otherwise delivered as required by law or the governing agreement.

Hardware and Software Requirements

For Our Mobile App: 

You will need a computer or mobile device with internet access and browser, a compatible operating system (iOS 14.0 or higher or Android 8.0 or higher), and a compatible Alt Lending app to access the Communications. While you may be able to access and retain the Communications using other hardware and software, we recommend that you use the latest version of the Alt Lending app available, keep your security settings up to date and that you enable JavaScript. In certain circumstances, we may need to block certain software from accessing Alt Lending app due to possible security risks and may not be able to inform you in advance.

For Our Website:

You will need a computer or mobile device with internet access and browser, and a compatible operating system to access the Communications. While you may be able to access and retain the Communications using other hardware and software, we recommend that you use the latest version of the supported browsers, keep your security settings up to date and that you enable JavaScript. In certain circumstances, we may need to block certain browsers and software from accessing our website due to possible security risks and may not be able to inform you in advance.

Our supported browsers include Firefox 93 or higher, Chrome 93 or higher, Edge 96, and Safari 14.x or higher.

Most Communications provided within our websites are provided either in HTML and/or PDF format. For Communications provided in PDF format, Adobe Reader 6.0 or later versions is required. A free copy of Adobe Reader may be obtained from the Adobe website.

In certain circumstances, some Communications may be provided by e-mail. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. At our option, we may also post the emailed Communications within our websites. In this situation, you agree that once we email the Communications to you and post them within our websites, that we have delivered the Communications to you in a form that you can retain.

To print or download Communications you must have a printer connected to your device or sufficient hard-drive or other storage space to store the Communications.

How to Withdraw Your Consent to this eCommunications Disclosure

Subject to applicable law, you may withdraw your consent to this eCommunications Disclosure by emailing info@thealtlender.com or by calling 844-258-5363. You will not be charged a fee for withdrawal of your consent.

For our Mobile App, if you withdraw your consent to this eCommunications Disclosure, we may stop providing you with Communications electronically and we may terminate your Mobile App access. If you withdraw your consent to this eCommunications Disclosure, we may stop providing you with Communications electronically.

Your withdrawal of consent is effective only after you have communicated your withdrawal to us, and we have had a reasonable period of time to act upon your withdrawal. Your consent shall remain in force until withdrawn in the manner provided in this section.

Consent Coverage; Certain Notices From You Are Not Covered

Applicable law or contracts sometimes require you to give us “written” notices. You must still provide these notices to us on paper. Your consent here does not relate to those notices.

Obtaining Copies of Electronic Communications

You may print or make a copy of Communications by using the “Print” button (or otherwise using your printing functionality) or saving a copy – do this when you first review the Communications because after submission, we do not necessarily keep them all in a place that you can access. For certain products, accounts, or services, we will, upon request, provide you with a paper copy of any Communications provided electronically by us to you pursuant to this eCommunications Disclosure, provided we receive your request within 12 months after the date the Communication was first made available to you electronically. You may request a paper copy of these Communications by calling 844-258-5363.

Be sure to specify your account, service or product identification number, as applicable, the specific Communication for which you are requesting a paper copy, and the address to which it should be mailed. We may charge fees for paper copies of the Communications.

Updating Your Contact Information

In the event that your e-mail address or other contact information is changed, you must notify us of such changes immediately through one of the following methods:

  • For our website, access the profile page on your account and click on the appropriate links on the “Personal Information” page to update your contact information; or
  • Call 844-258-5363 and communicate the contact information changes.

If you fail to update or change an incorrect or invalid e-mail address or other contact information, you understand and agree that any Communications shall nevertheless be deemed to have been provided to you if they were made available to you in electronic form on our websites, e-mailed to the e-mail address we have for you in our records, or delivered through other electronic means.

Retain Copies for Your Records

We recommend that you print or download a copy of this eCommunications Disclosure, the applicable service or account agreement and all other Communications to retain for your permanent records; if you have not already placed a copy of our Privacy Policy in your records, you can obtain another copy of our Privacy Notice or California Privacy Notice.

Consent and Agreement

By accepting above, you certify that: (i) you have read and understand this eCommunications Disclosure, (ii) you can print or electronically save this eCommunications Disclosure for future reference, (iii) you consent to receive the required information described above by electronic means, (iv) you acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and intend that this statute applies to the fullest extent possible, and (v) you have provided a working individual e-mail address.

TERMS OF USE

Last updated: January 2024

PLEASE READ THESE TERMS OF USE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS. THESE INCLUDE VARIOUS DISCLAIMERS, INDEMNITIES AND LIMITATIONS OF LIABILITIES.

These Terms of Use (“Terms” or “Terms of Use”) constitute an agreement between you (“you” or the “user”) and Alt Lending LLC (“Company,” “we,” “us” or “our”) that governs your access to and use of the website https://www.altlendingllc.com, the subdomains, and the mobile app (collectively the “Site”) whether as a guest or a registered user. These Terms of Use are not applicable to and will be replaced by and preempted by any loan agreement that you may enter into with us or any third party through the Site.

The Site is owned and operated by the Company. Access and use of the Site is provided by the Company to you on condition that you accept these Terms of Use. By accessing or using the Site, you signify that you have read, understand, and agree to be bound by these Terms of Use. If you do not agree to accept these Terms of Use, you may not access or use the Site.

These Terms of Use govern the relationship between you and the Company with respect to your use of the Site. You agree that the agreement formed by these Terms of Use are like any written agreement signed by you, and you agree to be bound by, and fully comply with, their terms. You represent and warrant that you have all necessary right, power, and authority to enter into these Terms of Use and to perform and otherwise discharge all of your obligations hereunder.

You understand that aspects of the Site may not be available in all jurisdictions and that you are responsible for ensuring that it is lawful for you to use this Site in your jurisdiction.

We reserve the right at any time to change: (i) the terms and conditions of these Terms of Use; (ii) the Site, including terminating, eliminating, supplementing, modifying, adding or discontinuing any content or feature or data or service on or available through this Site or the hours that they are available; (iii) any fees or charges, if any, related to the use of this Site; and (iv) the equipment, hardware or software required to use and access this Site.

Any changes we make to these Terms of Use will be effective immediately upon posting on this Site. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice before the date the change is posted on the Site. Be sure to return to this Site periodically to ensure you are familiar with the most current version of these Terms of Use.

YOU AGREE TO OUR PRIVACY NOTICE

Please review our privacy policy (“Privacy Notice”) regarding the privacy of those who use the Site. Our Privacy Notice is incorporated by reference in these Terms of Use. By using the Site, you are consenting to and agreeing to be bound by the Privacy Notice.

When you use any services that we provide, you consent to receive communications from us electronically via email, or otherwise. You agree to provide accurate, current, and complete information about yourself when you use our services and to update such information while you continue to use our services.

ELIGIBILITY

You represent and warrant that you: (a) are at least eighteen years old; (b) are located within the US; and (c) have full power and authority to enter into these Terms and, in doing so, will not violate any other agreement to which you are a party.

SERVICES AND YOUR ACCOUNT

In order to access and use certain services available on the mobile application, you may need to sign up for, open and maintain an account (your “Account”) with us. You represent and warrant that at all times you will: (i) provide accurate, current and complete information about yourself as prompted by our registration form or otherwise; (ii) maintain and promptly update your information (including your e-mail address) to keep it accurate, current and complete; (iii) not use our services, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the operation of those services. If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we shall have the right to suspend or terminate your account and any or all privileges on the mobile application and to refuse any and all current or future use of the mobile application.

USE OF THE SITE

Limitations on Use of Site. The information and materials contained on the Site and these Terms are subject to change. You accept sole responsibility for all your activities using the Site. Your use of the Site is limited to the intended function of the Site. Unauthorized use of the Site and systems, including but not limited to unauthorized entry into the Company’s systems or misuse of any information posted on the Site, is strictly prohibited. You may not use the Site in a manner that:

  • harasses, abuses, stalks, threatens, defames, or otherwise infringes or violates the rights of any party (including but not limited to rights of publicity or other proprietary rights);
  • is unlawful, fraudulent, or deceptive;
  • uses technology or other means to access content or systems of the Company in a manner that is not authorized by Company;
  • interferes with any other person’s use of the Site, including, without limitation, by disrupting, spamming or otherwise using abusive tactics to deter others from using the Site or any of its features;
  • uses or launches any automated system, including, without limitation, “robots,” “spiders,” or “offline readers,” to access content or systems of the Company or to scrape content for commercial use;
  • attempts to introduce viruses or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment;
  • attempts to gain unauthorized access to the Company’s computer network or user accounts;
  • encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
  • violates these Terms or any other Company policy;
  • attempts to damage, disable, overburden, or impair the Company’s servers or networks;
  • fails to comply with applicable third-party terms;
  • attempts to obtain a password or other private account information from any other user of this Site;
  • creates multiple Accounts for the purpose of sale or transfer to others, transfer your Account to others, park your Account or those of others, or use another person’s Account with the Company; or
  • constitutes any other inappropriate conduct, as determined by us in our sole discretion.

 

INTELLECTUAL PROPERTY INFRINGEMENT

Copyright Complaints

If you believe that any material on the Site infringes any copyright which you own or control, you may send a written notification of such infringement to our agent at info@thealtlender.com

To meet the notice requirements under the Digital Millenium Copyright Act, the notification must be a written communication that includes the following:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

  • Identification of the copyrighted and/or trademarked work claimed to have been infringed, or if multiple works at a single online location are covered by a single notification, a representative list of such works at that location.

  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled at the Site, and information reasonably sufficient to permit us to locate the material.

  • Information reasonably sufficient to permit us to contact you as the complaining party, such as an address, telephone number, and, if available, an e-mail address at which you may be contacted.

  • A statement that you have a good-faith belief that use of the material in the manner complained of is not authorized by the copyright and/or trademark owner, its agent, or the law.

  • A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please also note that for copyright infringements under Section 512(f) of the Copyright Act, any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.

INTELLECTUAL PROPERTY

The content, any materials or information downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks, and service marks) are owned by us or third parties; all rights, title, and interest will remain the property of us and/or such third-party owner, as applicable. All content is protected by trade dress, copyright, patent, and trademark laws, as well as various other intellectual property and unfair competition laws.

You are authorized to view and retain a copy of pages of the Site only for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images, or other materials for the purpose of transacting business with us. You may not tokenize copies of the pages of the Site or any other content on the Site. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, or in any way distribute or exploit the Site, or any portion of the Site, for any public or commercial use, without our prior express written consent. Additionally, you agree that you: (a) will not remove or alter any author, trademark, other proprietary notice, or legend displayed on the Site (or printed pages produced from the Site), and (b) will not make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with us.

SYSTEM OUTAGES, SLOWDOWNS, AND CAPACITY LIMITATIONS

At times, you may experience difficulty accessing the Site or communicating with us through the Internet, or other electronic wireless services, as a result of high internet traffic, transmission problems, systems capacity limitations, or other problems. Any computer system or other electronic device, whether it is yours, ours, or an internet service provider’s, can experience unanticipated outages or slowdowns or have capacity limitations. We are not responsible for failure or delay of performance caused by such problems.

LINKS TO OTHER WEBSITES AND SERVICES

The Site may contain links to outside services and resources, the availability and content of which we do not control. We are not responsible for examining or evaluating, and we do not warrant the offering of these services and resources or the content of these websites.

We do not assume any responsibility or liability for the actions, products, and content of these and any other websites. Any concerns regarding any such services or resources should be directed to the service or resource.

SEVERABILITY/NO WAIVER

If any provision of these Terms of Use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. The Company’s failure to enforce the strict performance of any provision of these Terms or the additional terms and conditions for any service will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of these Terms or the additional terms and conditions.

The sections titled “links to other websites and services”; “severability/no waiver”; “disclaimers: site, and materials provided as-is”; “limitation on liability”; and “indemnification” will survive any termination or expiry of these Terms of Use.

DISCLAIMERS: SITE AND MATERIALS PROVIDED “AS-IS”

EXCEPT AS OTHERWISE PROVIDED EXPLICITLY HEREIN, THE SITE IS PROVIDED “AS IS”, “WHERE IS”, AND “WITH ALL FAULTS,” WITHOUT REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED REPRESENTATIONS, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR THE COMPANY’S SERVICES (A) WILL MEET YOUR REQUIREMENTS, (B) THAT THEIR USE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR (C) THE CONTENT THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US, OR THROUGH THE SITE SHALL CREATE ANY WARRANTY REGARDING THE SITE NOT EXPRESSLY STATED IN THESE TERMS. YOU UNDERSTAND AND ACKNOWLEDGE THAT ADDITIONAL DISCLAIMERS, LIMITATIONS, AND NOTICES REGARDING THE SITE AND ITS CONTENT AND DATA MAY BE PROVIDED BY US FROM TIME TO TIME WITHIN THE SITE.

PLEASE NOTE THAT SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF CERTAIN REPRESENTATIONS OR WARRANTIES. AS SUCH, THE FOREGOING DISCLAIMER WILL APPLY TO YOU TO THE EXTENT PERMITTED BY APPLICABLE LAW.

NOTHING ON THE SITE SHALL BE CONSTRUED AS LEGAL, FINANCIAL, MEDICAL, OR OTHER ADVICE, AND YOU ARE SOLELY RESPONSIBLE FOR MAKING ALL DECISIONS TO COMPLY WITH ALL APPLICABLE LAWS, REGULATIONS, CODES, OR STANDARDS.

WE DO NOT WARRANT THAT THE SITE IS FREE OF COMPUTER VIRUSES OR OTHER HARMFUL CONTENT. IF YOUR USE OF THE SITE, THE MATERIAL, OR THE SOFTWARE RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, WE ARE NOT RESPONSIBLE FOR THOSE COSTS.

LIMITATION OF LIABILITY

YOU AGREE THAT THE COMPANY AND ITS REPRESENTATIVES (“PROTECTED PARTIES”) HAVE NO LIABILITY TO YOU UNDER ANY THEORY OF LIABILITY OR INDEMNITY IN CONNECTION WITH YOUR USE OF THE SITE. YOU HEREBY RELEASE AND FOREVER WAIVE ANY AND ALL CLAIMS YOU MAY HAVE AGAINST THE PROTECTED PARTIES (INCLUDING BUT NOT LIMITED TO CLAIMS BASED UPON THE NEGLIGENCE OF ANY OF THE PROTECTED PARTIES) FOR LOSSES OR DAMAGES YOU SUSTAIN IN CONNECTION WITH YOUR USE OF THE SITE.

NOTWITHSTANDING THE FOREGOING PARAGRAPH AND TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE PROTECTED PARTIES, FOR ANY CLAIM, COST, DAMAGE, OR LOSS ARISING OUT OF OR RELATING TO THE SITE, INCLUDING FOR ANY WARRANTIES THAT MAY NOT BE EXCLUDED, SHALL NOT EXCEED THE LESSER OF THE AMOUNT YOU PAID TO US IN SERVICE FEES, NOT INCLUDING LOAN REPAYMENTS, DURING THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY OR $10.00 (TEN DOLLARS) (USD) (THE “LIABILITY CAP”). THE COMPANY AND YOU AGREE THAT THE LIABILITY CAP SHALL INCLUDE ALL FORMS OF DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of liability for certain types of damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless the Company from and against any actual or threatened suit, actions, proceedings (at law or in equity), claims, losses, obligations, demands, damages, deficiencies, judgments, settlements, costs, liabilities, and expenses (including reasonable attorney’s fees, costs, penalties, interest, and disbursements) arising from or related to your conduct with respect to (1) your use of, access to, or misuse of the Site; (2) your breach (or alleged breach) of any of the terms of the Terms of Use; or (3) any activity using your email address and password by you or any other person accessing the Site using your account or email address.

Please note that some jurisdictions limit the extent to which a party may indemnify another. As such, the foregoing indemnity will apply to you to the extent permitted by applicable law.

CHANGES

You are responsible for reviewing these Terms regularly. The Company reserves the right, at any time, without notice to you, and in its sole discretion, to modify or discontinue the Site, these Terms, or any of our policies related to use of the Site. Revisions to these Terms or our policies may be provided through the Site, including by posting the revisions on the Site and updating the “Last Updated” date. Such revisions will go into immediate effect once posted to the Site. Continued use of the Site following such modifications to the Site, these Terms, additional terms and conditions for any service, or our other policies will constitute your acceptance of such modifications and revisions.

Reliance on Information Posted

The information presented on or through the Site is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents.

This Site may include content provided by third parties. All statements and/or opinions expressed in such content, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. Such content does not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

GOVERNING LAW, JURISDICTION AND CLASS ACTION WAIVER

THIS PROVISION AFFECTS YOUR RIGHTS; PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS OF USE.

All matters relating to the Site and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), are governed by and construed in accordance with the internal laws of the State of Arizona without giving effect to any choice or conflict of law provision or rule (whether of the State of Arizona or any other jurisdiction).

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Arizona, in each case located in the County of Maricopa. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

CLASS ACTION WAIVER. You and the Company each agree that in the event of a dispute, the matter will be litigated only on an individual basis and not as a class, collective or other representative action. You expressly waive your right to file a class action lawsuit.

MISCELLANEOUS

These Terms constitute the entire agreement of the parties with respect to the subject matter hereof and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import.

This Site is solely directed to individuals residing in the United States. We make no representation that materials on this Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

We may assign our rights and duties under these Terms of Use at any time without notice to you.  

No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

CONTACT INFORMATION

If you need to contact us regarding the Site or these Terms of Use, please reach out to us at:

Address:
Alt Lending LLC
8701 E. Hartford Dr.
Suite 125
Phoenix, AZ 85255

 

E-mail: info@thealtlender.com

Guides & Updates

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Alt Lending LLC -  
7 May 2024
There are two schools of thought when it comes to saving for the future when you have debt. Some experts recommend throwing every single dollar possible toward debt repayment to ...

What's Next After the Empty Nest?

Alt Lending LLC -  
7 May 2024
As parents, watching our children spread their wings and venture into the world of higher education marks a significant milestone in their lives. But, figuring out how to pay for ...