At Z Lend, we believe transparency, fairness, and data protection are fundamental to building trust. This Privacy Policy explains how we collect, use, protect, and share information when you visit or interact with our website.
If you have any questions regarding this policy, please contact us using the information provided at the end of this page.
1. Disclosure and Service Description
Z Lend provides loan referral and marketplace services only. We do not make credit decisions, underwrite loans, or fund any financial products.
Submitting information through our website does not constitute an offer or guarantee of credit.
All loan terms, rates, and approvals are determined solely by third-party lenders.
Loan availability, eligibility, and approval depend on lender requirements, credit history, income, residency, and applicable laws.
Loans are not available in all states.
Z Lend is not a direct lender.
2. Information We Collect
We may collect personal information when you:
- Complete a form or application
- Request information or consultation
- Subscribe to updates or communications
- Interact with our customer support team
Information collected may include, but is not limited to:
- Full name
- Contact details (email, phone number, address)
- Date of birth
- Employment and income information
- Banking and loan-related details
- Social Security Number (when required by lending partners)
Providing information does not guarantee approval.
3. How We Use Your Information
Your information may be used to:
- Match you with third-party lenders and financial partners
- Process and route your request efficiently
- Provide customer support and service updates
- Improve our platform, services, and user experience
- Send transactional or promotional communications (subject to opt-out)
Aggregated, non-identifiable data may be used for analytics, reporting, or business insights.
4. Cookies and Tracking Technologies
Z Lend uses cookies and similar technologies to:
- Improve website functionality
- Analyze traffic and usage trends
- Enhance user experience
Cookies do not store personally identifiable information. You may disable cookies via your browser, though certain features may not function properly.
Some third-party partners may use cookies independently. We do not control their technologies or policies.
5. Log Files and Browsing Data
Like most websites, we automatically collect non-identifiable data such as:
- IP address
- Browser type
- Device information
- Pages visited
- Date/time stamps
This information is used solely for system performance, analytics, and security purposes.
6. Sharing of Information
We may share your information with:
- Third-party lenders and lending platforms to fulfill your request
- Service providers assisting with technology, operations, or communications
- Affiliated companies under common ownership or control
We do not sell personal information to unrelated third parties without consent.
As part of our lending-marketplace operations, we may share data with partners such as Monevo Inc and credit bureaus including TransUnion, strictly for eligibility matching and loan discovery. These partners operate under their own privacy policies.
7. Marketing Communications and Opt-Out
You may receive communications related to your inquiry or promotional updates. You may opt-out at any time by:
- Following unsubscribe instructions
- Contacting our support team
Opt-out requests are typically processed within 7 business days.
8. Express Written Consent
By submitting your information, you provide express written consent (as defined under the E-SIGN Act and applicable laws) allowing Z Lend and its partners to contact you via phone, SMS, or email regarding your request.
Consent records may include IP address, timestamps, electronic signatures, and form submissions and are retained for compliance purposes.
You may withdraw consent at any time via our opt-out process.
9. Data Security
We use industry-standard safeguards including:
- SSL encryption
- Secure servers and firewalls
- Restricted access protocols
While we take reasonable measures to protect your data, no method of transmission or storage is 100% secure.
10. Access, Updates, and Deletion
You may request to:
- Access your personal information
- Correct or update inaccurate data
- Request deletion (subject to legal requirements)
Requests can be made using the contact information below.
11. Legal Disclosure
We may disclose information when required to:
- Comply with laws, regulations, subpoenas, or court orders
- Protect against fraud or security threats
- Enforce our terms or protect legal rights
12. Business Transfers
In the event of a merger, acquisition, or asset sale, personal information may be transferred as part of the business transaction. Users will be notified of material changes.
13. California Residents (CCPA Notice)
California residents may request information regarding the disclosure of personal data to third parties for marketing purposes under California Civil Code ยง1798.83.
14. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.