1. Introduction 

This Privacy Policy explains how Future Lending LLC ("Future Lending," "Company," 

"we," "us," or "our") collects, uses, discloses, retains, and protects personal 

information when you visit or interact with our website, mobile applications, or broker 

portal, or when you apply for financing or use our services. This Policy applies to all 

consumers, including residents of California, Nevada, Virginia, Colorado, 

Connecticut, Utah, and other states with applicable privacy laws. 

By using our services or providing personal information to us, you acknowledge that 

you have read and understand this Privacy Policy. We encourage you to review this 

Policy periodically as we may update it to reflect changes in our practices or legal 

requirements. 

2. Scope of This Policy 

This Privacy Policy applies to personal information we collect from consumers who: 

visit our websites or use our mobile applications; apply for or obtain financing 

products through our services; interact with us through our broker portal; 

communicate with us via email, telephone, or other channels; or engage with our 

marketing communications. 

This Policy does not apply to information collected by third parties, including through 

any application or content that may link to or be accessible from our services. We 

encourage you to review the privacy policies of any third-party sites you visit. 

3. Categories of Personal Information We Collect 

We collect personal information in various ways, including when you provide it 

directly to us, when third parties provide it to us, and when it is collected 

automatically through your use of our services. The categories of personal 

information we have collected in the preceding twelve (12) months include: 

3.1 Identifiers 

 

This category includes real name, alias, postal address, unique personal identifier, 

online identifier, Internet Protocol (IP) address, email address, account name, Social 

Security number, driver's license number, passport number, Tax Identification 

Number (TIN), or other similar identifiers. 

3.2 Financial Information 

This category includes bank account numbers, credit or debit card numbers, income 

information, bank statements, business revenue and financial statements, assets, 

liabilities, credit history, payment history, loan amounts, repayment terms, and other 

financial information necessary to evaluate and service loan applications. 

3.3 Commercial Information 

This category includes records of products or services purchased, obtained, or 

considered, transaction history, underwriting decisions, servicing data, and other 

commercial information related to your interactions with us. 

3.4 Internet or Other Electronic Network Activity Information 

This category includes browsing history, search history, and information regarding 

your interaction with our website, applications, or advertisements, including pages 

visited, referral source, browser type, operating system, device identifiers, and 

analytics data. 

3.5 Geolocation Data 

This category includes physical location or movements derived from IP address or 

other location-based technologies when you access our services. 

3.6 Professional or Employment-Related Information 

This category includes current or past job history, employer name, job title, business 

ownership information, and professional references. 

3.7 Inferences 

This category includes inferences drawn from any of the information identified above 

to create a profile about you reflecting your preferences, characteristics, 

creditworthiness, behavior, or abilities. 

3.8 Sensitive Personal Information 

In connection with lending services, we may collect sensitive personal information as 

defined under applicable state laws, including Social Security numbers, driver's 

license numbers, financial account information (when combined with required 

security codes or passwords), and precise geolocation. We use sensitive personal 

information only as reasonably necessary and proportionate to provide the financial 

services you request or as otherwise permitted by law. 

4. Sources of Personal Information 

We collect personal information from the following sources: directly from you when 

you submit applications, communicate with us, or use our services; from brokers, 

partners, and referral sources who submit applications on your behalf; from credit 

reporting agencies and consumer reporting agencies; from public records and 

publicly available sources; from financial institutions and other service providers; and 

automatically through cookies, web beacons, and similar technologies when you 

interact with our digital services. 

5. How We Use Personal Information 

We use personal information for the following business and commercial purposes: