Privacy Policy

Effective Date: 11/21/2024

 

Lunar Lending LLC ("we," "us," or "our") is committed to protecting your privacy and ensuring that your personal information is handled in a secure and responsible manner. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our short-term lending services, including loan applications, customer support, and related activities. By using our services, you agree to the practices described in this policy.

 

1. Information We Collect

 

We collect personal information from you when you apply for a loan, interact with our website or mobile application, or use our services. The types of information we collect may include:

 

  • Personal Identification Information: Name, address, date of birth, phone number, email address, Social Security Number (SSN), driver’s license number, or other government-issued identification.

  • Financial Information: Employment details, income, bank account information, credit history, loan repayment history, and other financial details.

  • Transaction Information: Loan application details, payment history, transactions, and loan-related communications.

  • Device and Usage Information: IP address, browser type, operating system, device type, and other technical data related to your use of our website or mobile application.

  • Cookies and Tracking Technologies: We may use cookies, web beacons, and similar technologies to improve our website functionality, monitor usage patterns, and provide relevant advertising.

2. How We Use Your Information

 

We may use the information we collect for the following purposes:

 

  • Loan Processing: To assess and process your loan application, verify your identity, and evaluate your creditworthiness.

  • Communication: To provide you with loan offers, payment reminders, updates about your loan, and other customer support.

  • Fraud Prevention: To prevent fraud, ensure the integrity of our loan processing system, and comply with relevant laws and regulations.

  • Compliance with Laws: To comply with applicable federal and state laws, including the North Carolina Consumer Protection Act, the Gramm-Leach-Bliley Act (GLBA), and other relevant financial regulations.

  • Improvement of Services: To analyze data and improve our website, mobile app, and other services to better serve you.

  • Marketing: With your consent, we may use your information to send you promotional materials about other products or services we offer.

3. How We Share Your Information

 

We may share your personal information in the following ways:

 

  • Service Providers: We may share your information with third-party vendors or service providers who assist us with loan processing, fraud prevention, data analysis, customer support, or marketing.

  • Credit Bureaus: We may share your financial information with credit bureaus to assess your creditworthiness or report on your loan repayment activity, in compliance with the Fair Credit Reporting Act (FCRA).

  • Regulatory Authorities: We may disclose your information to comply with applicable federal and state laws, such as the North Carolina Consumer Protection Act, or as required by government agencies or courts.

  • Business Transfers: If we undergo a merger, acquisition, or sale of all or part of our business, your personal information may be transferred as part of the transaction.

  • With Your Consent: We may share your personal information with others if you have provided your explicit consent.

4. Data Security

 

We take reasonable and appropriate measures to protect your personal information from unauthorized access, use, disclosure, and alteration. These measures include physical, administrative, and technical safeguards. However, please note that no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal data, we cannot guarantee its absolute security.

 

5. Your Rights and Choices

 

As a resident of North Carolina, you have the following rights with regard to your personal information:

 

  • Right to Access: You may request to know what personal information we hold about you.

  • Right to Correction: You may request corrections or updates to your personal information if it is inaccurate or incomplete.

  • Right to Deletion: You may request that we delete your personal information, subject to legal and contractual obligations. We may retain certain information to comply with our legal obligations or resolve disputes.

  • Opt-Out of Marketing: You can opt out of receiving marketing communications from us at any time by following the unsubscribe instructions in our communications or by contacting us directly.

  • Right to Limit Sharing: Under the Gramm-Leach-Bliley Act, you may have the right to limit the sharing of certain personal information with non-affiliated third parties, particularly for marketing purposes.

  • Right to Object: You can object to the processing of your personal data for specific purposes, such as direct marketing.

 

To exercise your rights, please contact us using the contact information provided below.

 

6. Retention of Your Information

 

We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws. After that, we will either delete or anonymize your data, unless retention is required for legal, regulatory, or contractual reasons.

 

7. Children's Privacy

 

Our services are not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to delete that information as soon as possible.

 

8. Changes to This Privacy Policy

 

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated policy on our website and update the "Effective Date" at the top of the page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

 

9. Contact Us

 

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise any of your rights, please contact us:

 

Lunar Lending LLC

1819 Dublin Dr.

Greensboro NC, 27408

Email: aubrey@saninurse.com

Phone: 336-978-1141

 

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