Privacy Policy: What LendUp Collects and Shares

This is the privacy policy for lendup.com, operated by LendUp LLC. It describes what personal information is collected when you use this site, who it's shared with, how it's used, and what rights you have over it. This is the sole privacy policy for this site - there is no separate legal version.

This policy covers LendUp-operated pages and request flows. Some forms on this site are operated by partners in our network - those forms are governed by the partner's own privacy policy, not this one. See the "Partner-Operated Forms" section below for how to identify them.

We've written this to be both legally comprehensive and readable in plain English, because you deserve to understand what happens with your information before you share it.

LendUp does not provide support by phone. See our security page for why we communicate only by email.

Information collected automatically when you browse

If you only read content on this site without submitting a loan request, we collect:

• Pages visited, time on site, browser type, device type, operating system, screen resolution, and referring URL
• IP address and approximate geographic location (used for analytics and to serve state-relevant content)
• Device identifiers and device fingerprinting data
• Information collected through cookies, pixels, web beacons, and similar tracking technologies (see the cookies and tracking section below)

This information does not include your name, Social Security number, income, or bank details. You can use all educational content on this site - guides, comparisons, state pages, tools - without providing any personal information.

Information you provide when you submit a loan request

If you submit a loan request through a LendUp-operated form, you provide personal and financial information including:

• Full name, address, date of birth
• Social Security number
• Income and employment information (employer, pay frequency, income amount)
• Bank account details (account and routing numbers)
• Contact information (email address, phone number)
• The loan amount you're requesting
• Any additional information requested on the form

This is sensitive information. It is collected for the purpose of matching you with lenders and marketing partners who may contact you about financial programs and services.

Information from communications

If you contact LendUp by email, we keep records of that correspondence, including the content of the messages and our responses.

Personal information collected through this site may be used for:

• Loan matching: sharing your request with lenders in our network who may evaluate whether they can offer you a loan
• Marketing: sharing your information with affiliate marketing partners and other third parties who may market financial products and services to you. This sharing takes different forms - some may be for lender matching, some for direct marketing by affiliates or nonaffiliated third parties, some for joint marketing arrangements, and some for advertising and analytics technology.
• Communications: contacting you about your request, the site, or related services
• Site operations: maintaining, improving, and securing the site
• Analytics: understanding how visitors use the site so we can improve content and functionality
• Compliance: meeting legal, regulatory, and contractual obligations
• Fraud prevention: detecting and preventing fraudulent activity

When you submit a loan request through a LendUp-operated form, your information may be shared with the following categories of recipients:

• Lenders in our network: your request information is shared with lenders who may evaluate whether they can offer you a loan. This is the core function of the matching service.
• Affiliate marketing partners: your information may be shared with affiliate marketing partners who may market financial products, services, or related offers to you. This sharing is part of how LendUp generates revenue and how you may receive offers beyond the initial matching process.
• Other financial services providers: your information may be shared with other companies that offer financial products or services, including loan products, insurance, debt services, or related offerings.
• Service providers: companies that help us operate the site - including hosting, analytics, advertising technology, email delivery, and security services - may access certain information as needed to perform their functions.
• Legal and compliance: we may disclose information when required by law, regulation, legal process, or government request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.

Some forms or pages on this site may be owned and operated by partners in our network - not by LendUp LLC directly.

• When you submit information through a partner-operated form, the partner collects and controls that information.
• The partner's own privacy practices and policies govern how that data is handled - not this privacy policy.
• LendUp may not have access to information submitted through partner-operated forms.

This site uses cookies, pixels, web beacons, device fingerprinting, and similar technologies. Here's what that means:

Types of technologies used

• Essential cookies: required for the site to function - for example, maintaining your session during a form submission. These cannot be turned off without breaking the site.
• Analytics cookies and tracking: help us understand how visitors use the site - which pages are visited, how long people stay, where traffic comes from. Analytics partners may use cookies and similar technologies to collect this data.
• Advertising and targeting cookies: used by advertising partners to deliver ads and measure their effectiveness. These technologies may track your activity across other websites and services. Third-party advertising partners may use cookies, pixels, and similar tools on this site to collect information about your browsing behavior for targeted advertising purposes.

Do Not Track

This site is not currently configured to respond to browser "Do Not Track" (DNT) signals. You can manage your tracking preferences through your browser's cookie settings or through the industry opt-out tools listed below.

How to manage cookies and tracking

You can control cookies through your browser settings - most browsers let you block or delete cookies. Blocking all cookies may affect site functionality, particularly on forms. You can also opt out of certain advertising cookies and interest-based advertising through:

• Network Advertising Initiative opt-out
• Digital Advertising Alliance opt-out

Opting out of advertising cookies does not mean you won't see ads - it means the ads may be less targeted to your interests.

We retain personal information for as long as necessary to fulfill the purpose for which it was collected, comply with legal and regulatory obligations, resolve disputes, and support legitimate business operations. When information is no longer needed for these purposes, we take steps to delete or de-identify it.

Retention periods may vary depending on the type of information and applicable legal requirements. If you'd like to request deletion of your information, see the "Your Rights" section below.

Depending on where you live, you may have specific rights over the personal information LendUp LLC holds about you:

• Right to know: you can request information about what personal data we've collected about you, the categories of sources, the purposes for collection, and the categories of third parties with whom it was shared.
• Right to delete: you can request that we delete personal information we hold about you, subject to certain legal exceptions (for example, information we're required to retain for compliance or to complete a transaction you requested).
• Right to correct: you can request correction of inaccurate personal information we hold about you.
• Right to opt out of sale or sharing: if we share personal information in ways that qualify as a "sale" or "sharing" under applicable state privacy law, you have the right to opt out.
• Right to limit use of sensitive personal information: where applicable, you can request that we limit the use of sensitive personal information (such as SSN, financial account details) to purposes necessary to provide the service you requested.
• Right to non-discrimination: we will not deny you services, charge you different prices, or provide a different level of service because you exercised a privacy right.

How to exercise your rights

To submit a privacy rights request, email [email protected] with the subject line "Privacy Rights Request" and include:

• Your full name and email address used when submitting a request (so we can locate your information)
• Which right you're exercising (know, delete, correct, opt out, or limit use)
• Your state of residence

Identity verification: before processing your request, we will verify your identity to protect against unauthorized access to your information. We may ask you to confirm details you previously provided to us. We will not ask for your full SSN by email as part of verification.

Authorized agents: if you're using an authorized agent to submit a request on your behalf, we may require the agent to provide proof of authorization and may separately verify your identity.

Response time: we will acknowledge your request and respond within the timeframe required by applicable law - generally within 45 days, with the possibility of an extension if needed.

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to know what personal information is collected, sold, or disclosed, and to whom
• Right to delete personal information held by LendUp LLC, subject to exceptions
• Right to correct inaccurate personal information
• Right to opt out of the sale or sharing of personal information
• Right to limit the use of sensitive personal information to purposes necessary to provide the service
• Right to non-discrimination for exercising privacy rights

What may constitute a "sale" or "sharing" under California law

Under the CCPA/CPRA, "sale" includes exchanging personal information for monetary or other valuable consideration, and "sharing" includes making personal information available for cross-context behavioral advertising. LendUp's practices may include:

• Sharing personal information with affiliate marketing partners for marketing purposes - this may qualify as a "sale" or "sharing" under California law
• Allowing advertising partners to use cookies and tracking technologies on this site for targeted advertising - this may qualify as "sharing" under California law

You have the right to opt out of these practices.

To exercise your California privacy rights: email [email protected] with the subject line "California Privacy Request." We will verify your identity before processing the request and respond within 45 days as required by California law.

Several other states have enacted consumer privacy laws that may provide you with similar rights - including the right to know, delete, correct, opt out of sale or targeted advertising, and appeal a denial of a privacy request. States with active consumer privacy laws include Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others, with more laws taking effect over time.

If you are a resident of a state with a consumer privacy law and wish to exercise your rights, email [email protected] with the subject line "State Privacy Request" and include your state of residence. We will process your request in accordance with the applicable state law.

By submitting a loan request, you give express written consent for lenders in LendUp's network to contact you about financial programs and services by email, phone, or text.

• LendUp itself communicates only by email from [email protected]. LendUp does not make phone calls. Any phone call claiming to be from LendUp is not legitimate. See our security page for why we use email only.
• Lenders, affiliate marketing partners, and other service providers may contact you by email, phone, or text as authorized by your consent when submitting the form.
• To stop lender or partner communications: follow the opt-out or unsubscribe instructions provided by the lender or partner in their communications. LendUp cannot stop communications from third parties on your behalf - once your information is shared, the recipient manages their own outreach.
• To opt out of future marketing sharing by LendUp: email [email protected] with the subject line "Opt Out of Marketing." This will instruct LendUp to stop sharing your information with new marketing partners going forward. It will not affect information already shared with partners before your opt-out request.

This site is not directed to anyone under the age of 18. We do not knowingly collect personal information from children. If you believe a child has submitted personal information through this site, contact us at [email protected] and we will take steps to delete it.

We may update this privacy policy from time to time. When we make changes, we will update the "last reviewed" date at the top of this page. If we make material changes to how we collect, use, or share your personal information, we will provide a more prominent notice - such as a banner on the site or an email to users who have submitted requests. We encourage you to review this page periodically.

• Opt out of future marketing sharing by LendUp: email [email protected] with the subject line "Opt Out of Marketing." This instructs LendUp to stop sharing your information with new marketing partners going forward. It does not affect information already shared before your request.
• Submit a privacy rights request (know, delete, correct, opt out of sale/sharing, or limit use of sensitive information): email [email protected] with the subject line "Privacy Rights Request." Include your full name, email address used when submitting, which right you're exercising, and your state of residence.
• If a partner-operated form collected your data: LendUp cannot act on data it doesn't hold. If your information was submitted through a partner-operated form, contact the partner directly to exercise your rights. If you're unsure who holds your data, email [email protected] and we'll help you identify the right party.
• Stop lender or partner communications: follow the opt-out or unsubscribe instructions in the lender's or partner's messages. LendUp cannot stop third-party communications on your behalf.
• Manage cookies and advertising tracking: use your browser's cookie settings, or opt out through the NAI or DAA opt-out tools.