Lending Hub

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California Consumer Privacy Policy

Welcome to the Lending Hub Network Privacy Center. This page explains how Lending Hub Network, Inc. (“Lending Hub Network,” “we,” “us,” or “our”) collects, uses, shares, and protects personal information, your privacy rights, and how to exercise those rights.

Company Information

Important Business Model Disclosure

Lending Hub Network is not a lender. We do not make credit decisions, underwrite loans, or extend credit. We operate as a loan referral and marketing platform, connecting consumers with unaffiliated third-party lenders and financial service providers.

1. Information We Collect

We may collect the following categories of personal information:

  • Identifiers: name, address, email, phone number, IP address
  • Financial & Credit Attributes: income range, employment status, credit-related indicators (for referral purposes only)
  • Internet Activity: website interactions, cookies, analytics, advertising data
  • Geolocation: city, state, ZIP code
  • Audio: recorded calls (where permitted by law)
  • Inferences: eligibility indicators and service preferences
  • Sensitive Personal Information: Social Security number or government ID only when legally required for identity verification or fraud prevention

2. How We Use Personal Information

We use personal information to:

  • Match consumers with unaffiliated lenders and financial service providers
  • Deliver Firm Offers of Credit where applicable
  • Prevent fraud and secure our systems
  • Provide customer support and compliance services
  • Conduct advertising, analytics, and lead generation
  • Comply with federal and state laws

3. Sharing, Selling, and Firm Offers of Credit

Firm Offers of Credit (Experian / FCRA Disclosure)

Lending Hub Network may use consumer report information obtained from consumer reporting agencies (such as Experian) to make or facilitate Firm Offers of Credit, as defined under the Fair Credit Reporting Act (FCRA).

A Firm Offer of Credit means:

  • The offer is based on prescreened credit criteria
  • The offer is not guaranteed, but subject to verification and additional eligibility requirements
  • You have the right to opt out of prescreened offers
  • Prescreen Opt-Out (Required Disclosure)

You may opt out of receiving prescreened credit offers from consumer reporting agencies by visiting:

https://www.optoutprescreen.com or calling 1-888-5-OPTOUT (1-888-567-8688)

This opt-out applies to prescreened offers generated by consumer reporting agencies and is separate from Lending Hub Network’s internal marketing preferences.

4. Your California Privacy Rights (CCPA / CPRA)

If you are a California resident, you have the right to:

  • Know / Access personal information collected about you
  • Delete personal information (subject to legal exceptions)
  • Correct inaccurate personal information
  • Opt Out of the sale or sharing of personal information
  • Limit the use of Sensitive Personal Information
  • Non-Discrimination for exercising your rights

5. Do Not Sell or Share My Personal Information

Lending Hub Network may sell or share personal information with unaffiliated lenders, advertising partners, and service providers, which may constitute a “sale” or “sharing” under California law.

How to Opt Out

6. Limit the Use of My Sensitive Personal Information

We use Sensitive Personal Information only as reasonably necessary to:

  • Verify identity
  • Prevent fraud
  • Comply with legal obligations
  • Facilitate lawful financial service referrals

You may request to limit this use via the same opt-out link above.

7. How to Exercise Privacy Rights

You may submit a privacy request by:

We may verify your identity before fulfilling requests.

8. TCPA Consent (Calls, Texts, Automated Outreach)

TCPA & Marketing Communications Consent

By providing your telephone number and clicking “Submit,” “Apply,” or similar buttons, you expressly consent to receive calls and text messages, including those sent using an automatic telephone dialing system (ATDS) or pre-recorded/artificial voice, from Lending Hub Network, Inc. and its marketing partners and unaffiliated lenders, for purposes including:

  • Loan or financial service offers
  • Application follow-ups
  • Account-related communications
  • Marketing and promotional messages
  • Consent is not a condition of purchase.

You may revoke consent at any time by:

For additional details, see this Privacy Center and our Do Not Sell or Share disclosures.

9. E-SIGN Consent (Electronic Records & Signatures)

Electronic Communications Disclosure

By using our website or submitting information electronically, you consent to receive all disclosures, notices, agreements, and communications electronically, including:

  • Privacy disclosures
  • Authorization and consent forms
  • Application-related communications
  • You agree that electronic records and signatures have the same legal effect as paper documents.
  • You may withdraw E-SIGN consent by contacting us at support@lendinghubnetwork.com, but doing so may limit your ability to use certain services.

10. Data Retention & Security

We retain personal information only as long as necessary for:

  • Legal and regulatory compliance
  • Business operations
  • Dispute resolution
  • We use reasonable administrative, technical, and physical safeguards to protect your information.

11. Updates to This Privacy Center

We may update this Privacy Center periodically. Changes will be posted on this page with an updated “Last Updated” date.

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