Privacy Policy

LendingXpress, Inc

Last Updated: February 5, 2026

This LendingXpress privacy policy (the “Privacy Policy”) is intended to inform you of our policies and practices regarding the collection, use, and disclosure of any information you submit to us. This includes “Personal Information,” which is information about you that is personally identifiable such as your name, email address, phone number, user ID number, and other non-public information that is associated with the foregoing, as well as “Anonymous Information,” which is information that is not associated with or linked to your Personal Information and does not permit the identification of individual persons.

User Consent

By accessing or otherwise using LendingXpress, you agree to the terms and conditions of this Privacy Policy, which is incorporated into and forms as part of the LendingXpress terms of use. You expressly consent to the processing of your Personal Information and Anonymous Information according to this Privacy Policy.

Your Personal Information may be processed and stored in other countries (including the United States) where laws regarding processing of Personal Information may be less stringent than the laws in your country. Your Personal Information will not, however, be used or disclosed for purposes for which you have not given consent or which are not permitted under applicable law.

What Information Is Collected

Personal Information That You Provide

In general, we collect Personal Information that you submit to us voluntarily through our website. This may include:

Your name, email address, phone number, and mailing address
Information about your loan inquiry or application
Financial information necessary to process your loan application
Social Security Number (for credit checks and loan processing)
Employment and income information
Any other information you choose to provide when contacting us

Personal Information from Other Sources

We may receive Personal Information about you from other sources with your consent, such as credit bureaus or verification services, solely for the purpose of processing your loan application and providing our services.

SMS Communications and Mobile Phone Numbers

If you send a text message to us, or fill out our web form and opt-in to SMS communications, we will collect your mobile phone number and any information you provide in your messages. This information is used only to communicate with you about our services.

Email and Email Addresses

If you send an email to us, or fill out our contact form, we collect your email address and the contents of your message to respond to your inquiry. We do not share your email address with third parties for marketing purposes.

Information Collected via Technology

As you use our company’s website, certain information may also be passively collected and stored, including:

Your Internet protocol address
Browser type and operating system
The date and time of your visit
The pages you visit on our site
Cookie information (if you accept cookies)
Device information and identifiers
Geolocation data (with your permission)

This information is collected for analytical purposes to improve our website and services and is not linked to your Personal Information in a way that would identify you personally.

How User Data Is Used

We use your Personal Information to:

Provide you with the services you request
Respond to your inquiries and customer service requests
Process and evaluate loan applications
Send you information about our services (with your consent)
Send you account updates, alerts, and service-related announcements
Verify your identity and prevent fraud
Conduct credit checks and underwriting analysis
Improve our website, products, and services
Comply with legal obligations and enforce our terms
Analyze usage patterns and trends
Send promotional offers (only with your explicit consent)

We process your data based on the following legal grounds:

Your consent (for SMS messaging, promotional communications, and cookies)
Contract performance (to provide our lending services)
Legal obligations (compliance with financial regulations)
Legitimate interests (fraud prevention, service improvement)

SMS Opt-In Details

How to Opt-In: By providing your mobile phone number through our website form, loan application, or contact form and checking the box indicating consent to receive SMS messages, you are providing your express written consent to receive recurring text messages from LendingXpress. Your submission of the form with your mobile number and checked consent box constitutes your electronic signature agreeing to receive text messages from us.

Types of Messages You Will Receive:

Loan application status updates and notifications
Important account alerts and security notifications
Responses to your questions and inquiries
Appointment and callback reminders
Document submission requests and confirmations
Payment reminders and due date notifications
Promotional offers and special lending programs (up to 4 per month)
General customer service communications

Message Frequency: Message frequency varies based on your loan application activity and interaction with our services. You may receive up to 10 messages per month during active application periods, and fewer messages during inactive periods. Promotional messages will not exceed 4 messages per month.

How to Opt-Out: You can opt-out of SMS messages at any time by texting “STOP” to our shortcode. You will receive a one-time confirmation message that you have been unsubscribed. After opting out, you will no longer receive SMS messages from us unless you re-subscribe by opting back in through our website.

Help Information: For help with SMS messages, text “HELP” to our shortcode, or contact us at loans@lendingxpress.com or 866-993-6896.

Consent Not a Condition of Purchase: You are not required to opt-in to SMS messages as a condition of purchasing any goods or services from LendingXpress. However, opting out of SMS communications may affect our ability to provide timely updates about your loan application.

Cookie and Tracking Practices

Our website uses cookies and similar tracking technologies to enhance your experience and analyze site usage. Cookies are small text files stored on your device that help us recognize you and remember your preferences.

Types of Cookies We Use:

Essential Cookies: Necessary for the website to function properly (e.g., session management, security)
Analytics Cookies: Help us understand how visitors interact with our website by collecting and reporting information anonymously (e.g., Google Analytics)
Functionality Cookies: Remember your preferences and choices (e.g., language settings, form data)
Marketing Cookies: Track your browsing habits to deliver relevant advertisements (only with your consent)

Managing Cookies: You can control cookie preferences through your browser settings. Most browsers allow you to:

View and delete cookies
Block third-party cookies
Block all cookies (though this may affect website functionality)
Receive notifications when cookies are being set

Please note that disabling cookies may limit your ability to use certain features of our website.

Third-Party Tracking: We may use third-party services such as Google Analytics, Facebook Pixel, and other analytics tools to collect information about your use of our website. These third parties may use cookies and similar technologies. We do not control these third-party technologies, and their use is governed by their respective privacy policies.

Data Security and Handling

We are committed to protecting the security of your Personal Information. We use a variety of industry-standard security technologies and procedures to help protect your information from unauthorized access, use, or disclosure, including:

SSL/TLS encryption for data transmission
Encrypted storage of sensitive data
Firewalls and intrusion detection systems
Regular security audits and vulnerability assessments
Access controls and authentication requirements
Employee training on data protection and privacy
Secure data centers with physical security measures

Data Retention: We retain your Personal Information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Typically, we retain loan application data for 7 years in accordance with financial industry regulations.

Data Breach Notification: In the event of a data breach that affects your Personal Information, we will notify you in accordance with applicable laws and regulations.

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

User Rights

You have the following rights regarding your Personal Information:

Right to Access: You can request a copy of the Personal Information we hold about you
Right to Correction: You can request that we correct inaccurate or incomplete Personal Information
Right to Deletion: You can request that we delete your Personal Information, subject to legal and regulatory requirements
Right to Opt-Out: You can opt out of promotional emails and SMS messages at any time
Right to Data Portability: You can request a copy of your data in a machine-readable format
Right to Object: You can object to certain processing of your Personal Information
Right to Restrict Processing: You can request that we limit how we use your Personal Information

To exercise any of these rights, please contact us at loans@lendingxpress.com or 866-993-6896. We will respond to your request within 30 days.

Mobile Information Sharing Statement

We DO NOT sell, rent, trade, or share your mobile phone number or SMS opt-in information with third parties or affiliates for marketing or promotional purposes.

Limited Sharing for Service Delivery: Your mobile information will only be shared with:

SMS Service Providers: We share your mobile phone number with our SMS messaging platform provider (e.g., Twilio, GoHighLevel) solely to deliver text messages to you. These service providers are contractually obligated to protect your information, use it only for providing SMS services on our behalf, and not to share it with any other parties.
Legal Requirements: We may disclose your mobile information when required by law, court order, subpoena, or government regulation.

What We Do NOT Do:

We do not sell your mobile phone number to third parties
We do not rent your mobile phone number to third parties
We do not share your mobile phone number with affiliates for their marketing purposes
We do not share your SMS opt-in data or consent information with any third parties for their own marketing or promotional use
We do not allow our service providers to use your mobile information for their own purposes

Text Messaging Originator Opt-In Data: All text messaging originator opt-in data and consent information is kept confidential and will not be shared with any third parties. This information is used exclusively by LendingXpress to communicate with you about our services.

Information We Do Not Share or Sell

LendingXpress does not sell, rent, trade, or share your Personal Information with third parties or affiliates for marketing or promotional purposes. We do not disclose your information to third parties except as necessary to provide our services to you or as required by law.

We may share your information only in the following limited circumstances:

Service Providers: We may share information with subcontractors and service providers who assist us in operating our business (such as customer service providers, SMS messaging platforms, payment processors, and credit bureaus), but only to the extent necessary for them to perform their services. These providers are contractually obligated to protect your information and not use it for their own purposes.

Legal Requirements: We may disclose information when required by law, court order, or government regulation.

Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

Regarding Children

Children under the age of 21 are not permitted to use our services and we do not intentionally collect or maintain Personal Information from those who are under 21 years old. Protecting the privacy of children is very important to us. Thus, if we obtain actual knowledge that a user is under 21, we will take steps to remove that user’s Personal Information permanently from our databases.

We recommend that children between the ages of 13 and 18 obtain their parent’s permission before submitting information over the internet. By using our website, you are representing that you are at least 21 years old, or that you are at least 13 years old and have a parent’s or guardian’s permission.

The Ability of Others to View Your Information

Helping you to protect your information is a vital part of our mission. We maintain administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access or disclosure.

Third Party Sites and Advertising

Our website may contain links to other websites. This Privacy Policy does not apply to the practices of third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

Your Choices Regarding Your Personal Information

We offer you choices regarding the collection, use, and sharing of your Personal Information:

You may opt out of receiving promotional emails by following the unsubscribe instructions in those emails
You may opt out of SMS messages by texting “STOP” to our shortcode
You may contact us to request access to, correction of, or deletion of your Personal Information
You may choose not to provide certain information, though this may limit your ability to use certain features of our services
You can manage cookie preferences through your browser settings

Feedback

If you provide feedback to us, we may use and disclose such feedback for any purpose, provided we do not associate such feedback with your Personal Information. We will collect any information contained in such feedback and will treat the Personal Information in it in accordance with this Privacy Policy.

Contact and Revisions

If you have questions or concerns about our Privacy Policy, please contact us directly:

LendingXpress, Inc
Email: loans@lendingxpress.com
Phone: 866-993-6896
Website: https://www.lendingxpress.com

This Privacy Policy is subject to occasional revision at our discretion. We will post any changes to this Privacy Policy on this page and update the “Last Updated” date. We encourage you to review this Privacy Policy periodically. Your continued use of our services following the posting of changes constitutes your acceptance of such changes.