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    Equity Edge Lending

    Privacy Policy

    Effective Date: March 5, 2025

    Equity Edge Lending™ ("Equity Edge Lending," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you provide through our website, applications, lead forms, marketing campaigns, and related services.

    This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit equityedgelend.com, submit information through our website or ads, contact us, or inquire about our home equity products and services.

    By using our website or submitting your information to us, you agree to the practices described in this Privacy Policy.

    1. Information We Collect

    We may collect the following categories of personal information:

    A. Information You Provide to Us

    When you fill out a form, request a consultation, apply for information, or otherwise contact us, we may collect:

    • Full name
    • Email address
    • Phone number
    • Mailing address
    • Property address
    • Loan or financing needs
    • Homeownership and property details
    • Any information you submit in messages, forms, or uploaded documents

    B. Financial and Application-Related Information

    If you request information about financing options or begin an application process, we may collect:

    • Estimated home value
    • Mortgage balance
    • Equity position
    • Income or employment-related information
    • Credit-related information
    • Identification or verification information
    • Information needed to evaluate eligibility for our products or services

    C. Automatically Collected Information

    When you use our website, we and our service providers may automatically collect:

    • IP address
    • Browser type
    • Device type
    • Operating system
    • Pages visited
    • Referring URLs
    • Time spent on pages
    • Ad interactions
    • Cookie and analytics data

    D. Information from Third Parties

    We may receive information from:

    • Advertising platforms
    • CRM and lead management systems
    • Analytics providers
    • Call tracking providers
    • Form and scheduling tools
    • Credit, property, valuation, identity, or fraud-prevention vendors
    • Business partners, affiliates, and service providers

    2. How We Use Your Information

    We may use your personal information to:

    • Respond to your inquiries
    • Contact you about our products and services
    • Evaluate your request for financing or related services
    • Match you with potential programs or solutions
    • Verify identity and prevent fraud
    • Operate, maintain, and improve our website and services
    • Track lead sources, ad performance, and campaign effectiveness
    • Personalize your experience
    • Send marketing, promotional, or informational communications
    • Comply with legal, regulatory, recordkeeping, and licensing obligations
    • Protect our rights, users, and business operations

    3. Cookies, Analytics, and Advertising Technologies

    Our website may use cookies, pixels, scripts, tags, and similar technologies to:

    • Keep the website functioning properly
    • Understand website traffic and behavior
    • Measure marketing performance
    • Improve user experience
    • Support retargeting and advertising campaigns

    These tools may collect information about your device, browser, pages viewed, and interactions with our website and advertisements. Depending on your browser and device settings, you may be able to limit certain cookies or tracking technologies.

    4. How We Share Information

    We may share personal information with:

    • Service providers that help us operate our business and website
    • CRM, email, text, call tracking, analytics, and marketing vendors
    • Technology providers, hosting providers, and customer support tools
    • Lenders, investors, program providers, underwriting or processing partners
    • Credit, fraud-prevention, identity verification, valuation, or compliance vendors
    • Professional advisors, auditors, insurers, and legal counsel
    • Government, regulators, law enforcement, or other parties when required by law
    • Parties involved in a merger, acquisition, financing, restructuring, or sale of assets

    We do not sell your personal information for money. However, some digital advertising or analytics practices may be considered "sharing" or a "sale" under certain privacy laws. Where required, we will honor applicable opt-out rights.

    5. Communications

    By submitting your contact information, you consent to being contacted by us by phone, email, and text message, including for informational and marketing purposes, subject to applicable law and your consent choices.

    You may opt out of marketing emails by using the unsubscribe link in the email. You may opt out of text messages by replying STOP where supported. Opting out of marketing communications does not prevent us from sending you service-related or transaction-related communications.

    6. California Privacy Rights

    If you are a California resident, you may have privacy rights under California law, which can include:

    • The right to know the categories of personal information we collect
    • The right to know the sources of that information
    • The right to know the business or commercial purposes for collection, use, or disclosure
    • The right to know the categories of third parties to whom information is disclosed
    • The right to request deletion of certain personal information
    • The right to request correction of inaccurate personal information
    • The right to opt out of the sale or sharing of personal information
    • The right to limit certain uses of sensitive personal information, where applicable
    • The right not to be discriminated against for exercising privacy rights

    How to Exercise Your Rights

    To submit a privacy request, contact us using the information below:

    We may need to verify your identity before fulfilling your request. We may deny or limit a request as permitted by applicable law.

    Authorized Agents

    If you are an authorized agent submitting a request on behalf of a California resident, we may require proof of your authority and may also require the consumer to verify their identity directly with us.

    Global Privacy Control

    If our website is required to recognize browser-based opt-out preference signals such as Global Privacy Control, we will process such signals as required by applicable law.

    7. Financial Privacy Notice

    Because Equity Edge Lending operates in the financial services space, some personal information may also be subject to federal financial privacy laws, including the Gramm-Leach-Bliley Act, which requires covered financial institutions to provide notice of information-sharing practices and, in certain circumstances, opt-out rights regarding sharing with some nonaffiliated third parties.

    Where those laws apply, our handling of personal financial information may be governed by those requirements and related exceptions.

    8. Data Security

    We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or alteration. However, no website, system, transmission, or storage environment is completely secure, and we cannot guarantee absolute security.

    9. Data Retention

    We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

    • Providing our services
    • Evaluating inquiries and applications
    • Maintaining business and transaction records
    • Meeting legal, regulatory, tax, accounting, licensing, and compliance obligations
    • Resolving disputes
    • Enforcing agreements

    Retention periods may vary depending on the type of information and legal requirements.

    10. Third-Party Websites and Services

    Our website may contain links to third-party websites, forms, portals, or services. We are not responsible for the privacy, security, or content practices of third parties. Your use of third-party sites is governed by their own terms and privacy policies.

    11. Children's Privacy

    Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through our website.

    12. Changes to This Privacy Policy

    We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date above. Your continued use of the website after changes are posted means the updated Privacy Policy will apply going forward.

    13. Contact Us

    If you have questions about this Privacy Policy or our privacy practices, please contact:

    Equity Edge Lending™
    9672 Via Excelencia, Suite 210
    San Diego, CA 92126

    Website: equityedgelend.com

    Email: info@equityedgelend.com

    Phone: 858.326.0966