1. Introduction

Lending Hub Network Inc. (“Lending Hub Network,” “we,” “us,” or “our”) aka “Lending Hub” respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information obtained through our website, applications, marketing campaigns, and related services (collectively, the “Services”).

This Privacy Policy applies to consumers who access or use our Services and supplements any disclosures provided at the point of information collection.

2. Our Role – Important Notice

Lending Hub Network is not a lender or creditor. We operate as a marketing lead generator and loan referral platform that connects consumers with unaffiliated, third-party lenders.

We do not make credit decisions, underwrite loans, determine eligibility, or extend credit. All credit decisions are made solely by participating lenders.

3. Information We Collect

A. Information You Provide Directly

We may collect personal information you voluntarily submit, including:

• Name 
• Address 
• Email address
• Telephone number
• Date of birth
• Income or employment information
• Loan-related preferences or information

B. Information Obtained from Third Parties

We may receive information about you from:

• Consumer reporting agencies (CRAs), as permitted by the Fair Credit Reporting Act (FCRA)
• Marketing partners
• Data aggregators
• Prescreened credit data providers

C. Automatically Collected Information

When you use our Services, we may automatically collect:

• IP address
• Browser type 
• Device information
• Pages visited
• Cookies and similar tracking technologies

4. Use of Information

We use personal information for the following purposes:

• To facilitate referral of consumer information to unaffiliated third-party lenders
• To present consumers with potential credit opportunities
• To operate, maintain, and improve our Services
• To comply with legal, regulatory, and contractual obligations
• To prevent fraud and ensure security

Lending Hub Network does not use consumer information to make credit decisions or adverse determinations.

5. Fair Credit Reporting Act (FCRA) & Prescreened Offers

Some consumers may receive prescreened credit offers based on information contained in their consumer credit report, as permitted by the Fair Credit Reporting Act (FCRA).

Lending Hub Network: 

• Does not obtain, review, evaluate, or interpret consumer credit reports for credit decisioning
• Uses prescreened information solely to present potential credit opportunities
• Does not take adverse action based on consumer report data
• Opt-Out of Prescreened Offers
• You may opt out of receiving prescreened offers of credit or insurance by calling 1-888-5-OPT-OUT (1-888-567-8688) or visiting www.optoutprescreen.com

6. Sharing of Information

We may share your information with:

• Unaffiliated, licensed third-party lenders for evaluation of credit offers
• Service providers performing services on our behalf
• Legal or regulatory authorities when required by law
• Affiliates for operational or compliance purposes
• We do not sell consumer information as defined under applicable law.

7. California Privacy Rights (CCPA / CPRA)

California residents have the right to:

• Know what personal information we collect and how it is used
• Request deletion of personal information, subject to legal exceptions
• Opt out of certain data sharing
• Not be discriminated against for exercising privacy rights
• To exercise your rights, contact us using the information below.

8. Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, or disclosure. However, no system can be guaranteed to be 100% secure.

9. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements.

10. Third-Party Websites

Our Services may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Consumers should review the privacy policies of any third-party lenders before submitting additional information.

11. Children’s Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

12. Changes to This Privacy Policy

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

13. Contact Information

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

• Lending Hub Network Inc.
• 19800 MacArthur Boulevard, Suite 300
• Irvine, CA 92612
• Phone: 888-718-6603