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We are committed to ensuring that everyone, regardless of ability, can access and use our website with ease. We strive to create an experience for all users by adhering to accessibility best practices. Our efforts include:

• Ensuring that all interactive elements, such as buttons and links, are descriptive and accessible to users of assistive technology, such as screen readers.
• Incorporating accessibility principles during the design and development of features and pages within the app.
• Increasing the contrast between text and background elements to make content easier to read for users with visual impairments.

We welcome and encourage feedback from users regarding accessibility and how we can continue to improve our app’s experience for persons with disabilities. If you encounter any issues or have suggestions, our team is ready to assist you. We will promptly address and respond to all feedback or complaints received and, if necessary, escalate the issue to ensure proper resolution.

As of July 2025, our website conforms to Web Content Accessibility Guidelines (WCAG) 2.2 Level AA standards. You can learn more about these guidelines at https://www.w3.org/TR/WCAG22/.

The technologies that this content “relies upon” are: HTML5 and JavaScript. The technologies that this content “uses but does not rely upon” are: CSS3, JPG, PNG, and SVG. 

Our application has been thoroughly tested with popular screen readers, browsers, and assistive technologies to ensure an accessible experience for all users. We will continue to monitor and improve the app to meet evolving accessibility standards and user needs.

Last Updated: July 1, 2025

License Information Last Updated: July 1, 2025

General. Lending Match, LLC is a Utah limited liability company with its corporate headquarters located at 10 W. Broadway 7th Floor – Suite 18, Salt Lake City, UT 94101. Any reference in this Licenses and Disclosures to “we” or “us” or similar words shall refer to Lending Match, LLC unless otherwise indicated, all such entities referred to as “Lending Match”. Any reference in Licenses and Disclosures to “you” or “your” means the person(s) using the Lending Match Websites (as defined in the Terms of Use Agreement), and/or the good, facilities or services of Lending Match offered through alternative methods. Lending Match is a marketing lead generator, required to be licensed as a Mortgage Broker or other state license designation. Lending Match DOES NOT take mortgage or personal applications, originate, service, make loans or credit decisions in connection with loans, nor does Lending Match issue commitments or lock-in agreements. Lending Match’s services are only administrative. Any loan inquiry you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Lenders to receive condition loan offers from Lenders. You may have to complete an application with a Lender before they will extend an unconditional offer. A Lender you select may require you to pay an application or other fees. The Lender, not Lending Match, will determine the amount of any such fee and should provide information to you regarding the refundability of any such fee. Lending Match, LLC does not endorse or recommend the products of any particular Lender or network partner.

Except as otherwise provided for your state, Lending Match, LLC is not an agent of you or any Lender. You should rely on your own judgment in deciding which available loan product, terms and Lender that best suits your personal financial requirements. The Lender is solely responsible for its services to you, and you agree that Lending Match, LLC shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of such services. You understand that Lenders may keep your loan request information and any other information provided by Lending Match, LLC or received by them in the processing of your loan request, whether or not you are qualified for a loan with them or if you make a loan with them. In addition, Lending Match, LLC may receive personally identifiable information regarding the disposition of your loan from the Lender in order to fulfill its regulatory requirements as well as for internal business purposes. You agree to notify any particular Lender directly if you no longer want to receive communications.

Fees. Lending Match does not charge you any fee for its services. Lending Match receives its compensation from the Lenders or Providers for the goods, facilities and services provided by Lending Match. Lending Match’s compensation varies by product and service. Marketing fees paid by the Lender or Provider may be included in your rate, points, or term. Although some state licensing laws treat fees paid in exchange for marketing lead generation services as mortgage broker fees or origination fees, this is not the case under federal law. See the Terms of Use Agreement for details.

Credit. Any loan request you submit is NOT an application for credit. Rather, it is a request to be matched with Lenders to receive conditional loan offers from Lenders. You may have to complete a full application with a Lender before they will extend an unconditional loan offer. A Lender you select may require you to pay an application or other fee. The Lender will determine the amount of any such fee(s) and should provide information to you regarding the refundability of any such fee(s).

Federal Disclosures. Any request will be forwarded to Lenders, Brokers, Dealers, or Partners (depending on product selected) and these Partners may make certain disclosures to you. These disclosures, which are required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and certain other federal and state laws, include details of your cost of credit; good faith estimates of your settlement costs (GFE) on August 1, 2015 the GFE will be called the Integrated Loan Disclosure or Loan Estimate and will be delivered to you by the Lender you select to proceed with for your loan needs; HUD mandated booklets “Guide to Settlement Costs” and/or “When your Home is on the Line”; notices concerning the possibility that your mortgage loan servicing may be transferred; and your right to a copy of any appraisal, if any, performed on your home. The Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant’s income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The agency that administers compliance with this law varies by Lender depending on its lending authority, but may include the Federal Trade Commission, Equal Credit Opportunity, Consumer Response Center, Washington, DC 20580 or at 1-877-FTC-HELP (1-877-382-4357; TDD 1-866-653-4261; or at www.ftc.gov.

PURSUANT TO LENDING MATCH’S TERMS OF USE AGREEMENT AND THE CONSENT FOR ELECTRONIC DISCLOSURES, THE DISCLOSURES AND CONSENTS REQUIRED UNDER CERTAIN FEDERAL AND/OR STATE LAWS ARE DEEMED TO BE PROVIDED, RECEIVED AND AGREED TO BY YOUR USE OF THE WEBSITES (AS DEFINED IN THE TERMS OF USE AGREEMENT).

State Licenses – Lending Match LLC’s Nationwide Mortgage Licensing System (NMLS) Identification Number is 2709363.

For some states, required Mortgage Broker Disclosures are included above in the Lending Match Disclosures section. 

Utah
Utah DFI Consumer Credit Notification. 2709363 NMLS ID.

PLEASE PRINT AND RETAIN A COPY OF THIS INFORMATION AND AGREEMENT FOR YOUR RECORDS.

Last Updated: July 1, 2025

Lending Match, LLC, and its subsidiaries and affiliates (collectively, “Lending Match,” “we,” “our,” or “us”) are committed to maintaining your confidence and trust as it relates to the privacy and security of your personal information. This Privacy Policy describes how we use, disclose, and protect the personal information collected:

• through our website, http://www.lendingmatch.com/, and any other websites or mobile apps where this Privacy Policy is posted or linked (collectively, the “Digital Properties”) and any services available through the Digital Properties; 
• in connection with the delivery of our products and services to our customers; 
• in connection with our business development and marketing activities; and 
• through our other offline and business interactions.

Collectively, we refer to our online and offline interactions with you as the “Services.” In this Privacy Policy, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to an individual. Please carefully review this Privacy Policy to learn more about our information handling and privacy practices. If you are a California resident, see our California Privacy Policy for more information about our privacy practices and your rights. For details regarding our handling of financial information and your choices with respect to such information, review our Financial Privacy Disclosure. 

PERSONAL INFORMATION WE COLLECT 

Depending on your use of the Services and how you otherwise interact with us, we may collect or obtain information from and about you in several ways, including: (1) directly from you; (2) automatically when you visit and interact with the Digital Properties; and (3) from third parties. Additional details regarding our collection of your personal information are included below.

Information provided by you
When you visit and interact with the Digital Properties or otherwise engage with us, we collect personal information that you share with us. For example, we may collect personal information when you contact us (via phone, email, website, etc.), request that we send you promotional communications or other materials, or otherwise communicate with us.

Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include:

• Contact information, including your name, street address, telephone number, and email address. 
• Identifying information, including your Lending Match account name, Social Security number, date of birth, and other similar identifiers. 
• Correspondence and communications, including recordings of our email and phone conversations with you and any correspondence related to providing you with the Services. 
• Preferences, including how frequently you wish to receive marketing and promotional communications from us. 
• Other information you choose to provide, including information you include in any webforms that you complete and submit on the Digital Properties and other information that you provide during your interactions with us.

Where applicable, we may indicate whether and why you must provide us with your personal information as well as the consequences of failing to do so. For example, it may be necessary for you to disclose certain personal information in order for us to provide the Services to you.

You may voluntarily provide certain information to us when you interact with an automated assistance chatbot on the Digital Properties, which our service provider enables on our behalf. Note that your conversations with any chatbot present on the Digital Properties may be monitored and recorded and any personal information you provide will be handled by us and our service provider in accordance with this Privacy Policy.

Some personal information that we receive from you may relate to other individuals (e.g., co-borrowers). You are responsible for obtaining all necessary permissions to provide personal information relating to other individuals to us. 

Information collected through automated means 

When you visit and interact with the Digital Properties, we (and our service providers and partners) may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically. 

The specific types of information we (and our service providers and partners) may collect include:

• Device information, which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system. 
• Usage information, which includes information about your interaction(s) with the Digital Properties (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use the Digital Properties; the domain name from which you accessed the Digital Properties; and other click-stream or usage information).
  

We (and our service providers and partners) may use cookies or other similar technologies to collect information about your behavior on the Digital Properties (e.g., how you move and scroll through the Digital Properties, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us.

Analytics

We use third-party analytics and tracking tools to better understand who is using the Digital Properties, how the Digital Properties are used, and how to improve the effectiveness of the Digital Properties and related content. We may also use the information collected to draw inferences. For example, we use Google Analytics to better understand how users interact with the Digital Properties. For information on Google Analytics’ information-handling practices and how you can control the use of information sent to Google, visit https://policies.google.com/technologies/partner-sites. If you wish to prevent your information from being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.

Interest-based advertising

We use third-party tools and services to serve interest-based advertisements to you across the internet. These tools may include cookies, pixels, web beacons, and/or other similar tracking technologies that automatically collect, store, and/or transmit certain information about your interaction(s) with the Digital Properties and other websites and mobile apps that you interact with and use across your devices. Our third-party service providers and partners use the collected information to serve advertisements to you and measure the performance of our advertising campaigns. To learn more about your interest-based advertising choices, see the “Your Choices” section below.

You may be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage them, can be found here: https://allaboutcookies.org/.

Site recording technology

We use third-party site-visit recording technologies to memorialize visits to our Digital Properties. Scripts from these technologies are embedded on our Digital Properties and collect information when you interact with pages where the scripts are present. These technologies collect information such as page URL, mouse movements and clicks, information you input, snapshots of pages you visit, time spent on a page, date and time of various interactions with a page, and HTTP headers from your browser. By visiting our Digital Properties or using our Services, you acknowledge and agree to our use of such site recording technologies and the collection, maintenance, and use of information these technologies collect. 

ChatBot Technology

We use chatbots on certain Digital Properties to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language as if it were a real person using a combination of pre-programmed scripts, machine learning, and generative artificial intelligence (“AI”). When asked a question, the chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept the chatbot is not programmed to understand, it will advise of its limitations. The chatbot functionality is limited to Lending Match customer service and support inquiries and may not be monitored in real time. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. You are responsible for the information you share with the chatbot, and we strongly advise you not to input sensitive or personal information, such as financial or account details or other confidential information. We will also create and store a transcript of your chat interaction with us, which will be stored by our third-party service provider. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security. 

Information collected from other sources 

We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners (as defined below), and other partners.

The information that we receive from other sources may include contact information, demographic information, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from a Network Partner), and internet or other electronic network activity information.

We use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with the Services; conduct internal business analysis; and fulfill other business or commercial purposes described in this Privacy Policy.

Combination of information

We may combine personal information that we receive from and about you, including information you provide to us, information we automatically collect through the Digital Properties, and information we receive from third-party sources. Where applicable, we will use, disclose, and protect the combined information for the purposes described in this Privacy Policy.

HOW WE USE PERSONAL INFORMATION

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

• Providing the Services, including to operate, maintain, support, and provide the Services.
• Communicating with you, including to contact you for administrative purposes (e.g., to provide the Services and information that you request or to respond to your comments and questions) or to send you important updates and communications about this Privacy Policy and/or other applicable terms and conditions. 
• Sending you marketing and promotional communications, including emails about products or services that we think may interest you. Details on how to exercise your choices with respect to marketing and promotional communications from us can be found in the “Your Choices” section below. 
• Personalizing the Services, including to tailor the content we may send or display to you and otherwise personalize your experience with us.
• Engaging in interest-based advertising, including to serve you interest-based advertising on the Digital Properties or on other online services across the devices you may use. Details on how to exercise your choices with respect to interest-based advertising can be found in the “Your Choices” section below. 
• Conducting research and analytics to develop and improve the Services, including to analyze usage trends and preferences in order to improve the Services and to develop new products, services, and features.
• Maintaining security and preventing fraud, including to monitor and maintain the security of our systems and networks and to detect, prevent, investigate, and protect you, our business, and others from fraud, unauthorized transactions, and other unlawful or unsafe activity. 
• Satisfying our legal obligations, including complying with applicable law and responding to lawful requests and communications from law enforcement authorities and other government officials. 
• Supporting our business operations and business transactions, including to administer our general business and other related functions and to carry out sales or other business transactions.

We may also use your personal information as described to you at the point of information collection or with your consent. Additionally, we may use your personal information as we believe necessary or appropriate to protect our rights, privacy, safety, property, and/or those of others.

HOW WE DISCLOSE PERSONAL INFORMATION

We may disclose each category of personal information we collect from and about you with the following categories of recipients:

• Our Affiliates and Subsidiaries. We disclose your personal information to other entities within our family of brands to fulfill any purpose described in this Privacy Policy. 
• Network Partners. When you use the Services to submit a loan request, we disclose your personal information to lenders and other third parties in our network (collectively, “Network Partners”) as necessary to deliver the products and services that you requested. We may disclose your personal information to Network Partners to provide you with information about financial products and services that may interest you. Note that Network Partners that interact with you may use and/or retain your personal information whether or not you use their services and their handling of your personal information is subject to their privacy policies. Our Network Partner list may be updated from time to time, and we encourage you to review the list periodically to remain informed about with whom we share information.
• Financial Companies. We disclose your personal information to other financial companies with whom we engage in joint marketing efforts or who offer financial-related products or services that may be of interest to you. 
• Our Business Partners. We disclose your personal information to other companies with whom we partner to provide the Services and carry out other activities described in this Privacy Policy. 
• Our Service Providers. We disclose your personal information to third parties that provide business, professional, or technical support services to us and/or administer activities on our behalf. 
• Our Analytics Providers. We disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of the Services and our marketing and advertising efforts. 
• Our Marketing and Advertising Partners. We disclose your personal information to our marketing and advertising partners, including social media networks, third-party advertising networks, and other parties that assist us in serving, measuring the performance of, and optimizing our advertisements. 
• Governmental and Public Authorities. We disclose your personal information to government and public authorities as necessary or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency, or similar request from a self-regulatory body or government agency.
• Relevant Third Parties in Connection with a Business Transaction. We may disclose or otherwise transfer your personal information to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction as well as in the event of any insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets. 
• Other Parties. We may disclose your personal information to other parties as we believe necessary or appropriate either to: (1) comply with applicable law; (2) protect our operations and those of our affiliates and subsidiaries; (3) investigate and prevent against fraud and other illegal activity; (4) protect our rights, privacy, safety, property, and/or those of others; or (5) allow us to pursue available remedies or limit damages that we may sustain.
  We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information. Additionally, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize, or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.

YOUR CHOICES

We respect your privacy and provide you with the ability to make certain choices about how we use your personal information, as described below.

• Financial Information: For details regarding our handling of financial information and your choices with respect to such information, review our Financial Privacy Disclosure.
• Marketing and Promotional Communications: You can opt out of receiving marketing and promotional communications from us or manage your preferences at any time through your Lending Match profile or by visiting our opt-out page. You may be able to opt out of receiving marketing and promotional communications from us by following the instructions included in any such communication that you receive from us. Note that even if you opt out of receiving marketing and promotional communications from us, you will still receive non-marketing or transactional messages from us, including messages about your account and responses to your inquiries/requests.
  Cookies: As noted above, we (and our third-party providers and partners) use cookies on the Digital Properties for various purposes, including for analytics and interest-based advertising purposes. You may be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage and delete them, can be found here: https://allaboutcookies.org/.
• Interest-Based Advertising: We use services provided by Google, Meta, TikTok, and other companies that use tracking technologies to collect from you and across your devices information about your online activities, preferences, and interactions with websites. These services are used to serve targeted advertising to you and to measure performance of our advertising campaigns. For example, these services enable us to retarget you with advertisements based on what you have viewed or engaged with on our Digital Properties while you are using platforms provided by Google, Meta, or TikTok and to measure when you have clicked through to our Digital Properties after seeing an advertisement on those or other platforms. Some websites/platforms and mobile devices allow you to exercise certain choices with respect to interest-based advertising, as described below. 

Web browsers: You may be able to opt out of receiving interest-based advertising using the browser opt-out tools and consumer choice mechanisms provided by interest-based advertising self-regulatory groups by following the links below: 

• Digital Advertising Alliance (DAA): https://optout.aboutads.info/?c=2&lang=EN 
• Network Advertising Alliance (NAI): https://optout.networkadvertising.org/?c=1
  Note that you will need to opt out separately on all of your browsers and devices, as each opt-out will apply only to the specific browser or device from which you opt out. If you delete or reset your cookies, change browsers, or use a different device, any opt-out cookie may no longer work and you will have to opt out again. 

Mobile devices: You have the ability to control whether you see interest-based advertisements on your mobile device in the following ways:

• Device Settings: Your device operating system may provide mechanisms that allow you to opt in or opt out of the use of information about your usage of mobile apps to deliver interest-based advertising to your mobile device. For more information, consult your device settings. 
• AppChoices Tool: The DAA offers a tool for opting out of the collection of cross-app information on a mobile device for interest-based advertising. To exercise your choices with respect to participating companies, you may download the AppChoices tool available here: https://youradchoices.com/appchoices. 

Other choices: The advertising partners that we have listed below may provide you with additional choices with respect to interest-based advertising, including the ability to control your advertising preferences directly through their services. We encourage you to review the privacy policies of the third-party services you use for more information regarding your choices. 

• Google: https://adssettings.google.com 
• Meta/Facebook: https://www.facebook.com/about/ads 
• TikTok: https://support.tiktok.com/en/account-and-privacy 
• Twitter: https://twitter.com/settings/account/personalization 

Access and Correct Personal Information

Depending on how you have engaged with us and the Services, as well as your state of residence, you may be able to request access to and/or correction of certain personal information that we maintain relating to you. You may also be able to access and correct certain personal information by logging in to the Digital Properties. If you have submitted a loan request through the Services and would like to request access to or correction of certain personal information, contact us using the contact details below. Note that we will only respond to or take action in response to a request to access, correct, or delete personal information to the extent required by law.

Email:   support@LendingMatch.com
Mail:     Compliance Officer

Lending Match, LLC
10 W. Broadway 7th Floor – Suite 18
Salt Lake City, UT 94101 

INFORMATION SECURITY

We maintain physical, electronic, and procedural measures designed to safeguard your personal information from unauthorized access and disclosure. However, no system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee your information, searches, or other communications will always remain secure.

INFORMATION RETENTION

We will retain your personal information at least as long as necessary to fulfill the purposes outlined in this Privacy Policy, including to satisfy our legal or reporting requirements, unless a longer retention period is required or allowed under law. We reserve the right to retain your personal information to the extent allowed by applicable law. We also reserve the right to provide access to or delete personal information only to the extent required by applicable law

To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of personal information; the potential risk from deletion, unauthorized use, or disclosure of the personal information; the purpose(s) for which we use or may use the personal information; whether we can achieve the purpose(s) through other means; and the applicable legal requirements.

If we de-identify information, we will maintain and use the information in de-identified form and not attempt to re-identify the information except as required or permitted by law.

THIRD-PARTY SERVICES

The Digital Properties may contain features or links to websites and services provided by third parties, including social media widgets and plugins, which are not governed by this Privacy Policy. Any personal information you provide to the owner or operator of another website or a third-party service is provided directly to the owner or operator and is subject to its privacy policy, even if accessed through the Digital Properties. We encourage you to review all third parties’ privacy policies before providing them with your personal information.

CHILDREN’S PRIVACY 

The Services are not intended for or directed to individuals under the age of 18, and we do not knowingly collect personal information from individuals under the age of 18.

SERVICES LIMITED TO THE UNITED STATES 

Our Digital Properties are designed to provide services in the United States and are governed by the laws of the United States. All Services may not be available in all U.S. states or territories. We make no representation that our Digital Properties are governed by or operated in accordance with the laws of any other nation or foreign jurisdiction.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our information handling and privacy practices and/or changes in applicable law. The “Last Updated” date at the top of this page indicates when this Privacy Policy was last revised. If we make changes, we will revise the date at the top of this page and, in the case of material changes, we will provide you with additional notice if required by applicable law. Unless otherwise stated, the current version of this Privacy Policy applies to all Digital Properties and all personal information under our control. We encourage you to review this Privacy Policy periodically to remain informed about our information handling and privacy practices. By visiting or using our Digital Properties, you agree that any changes to this Privacy Policy shall apply to any personal information we may maintain about you, whether collected before or after such changes.

HOW TO CONTACT US

If you have any questions or comments about this Privacy Policy or our information handling and privacy practices, contact us using the following contact details:

Email:   support@LendingMatch.com
Mail:     Compliance Officer

Lending Match, LLC
10 W. Broadway 7th Floor – Suite 18
Salt Lake City, UT 94101
Phone:   801-963-7060 

LENDING MATCH, LLC IS A MARKETING LEAD GENERATOR AND IS A DULY LICENSED CONSUMER LOAN BROKER, AS REQUIRED BY LAW, WITH ITS MAIN OFFICE LOCATED AT 10 W. Broadway 7th Floor – Suite 18, Salt Lake City, UT 94101, TELEPHONE NUMBER 1-801-963-7060.

For a current list of applicable state licensing and disclosures, see Licenses and Disclosures or call for details.

Lending Match, LLC NMLS Unique Identifier #2709363; Utah-DFI Consumer Credit Notification NMLS ID 2709363. Licensing information last amended on 02-Apr-25.  

Advertised Terms and Information

• The information and disclosures above relate to advertised terms made by or through Lending Match.
• Interest rates and terms are from a lender or lenders with whom Lending Match may match you and that offer the particular product. The disclosures are current as of the date indicated.
• Lending Match is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.
• You may not be matched with a lender making a particular conditional loan offer, and Lending Match does not guarantee that any lender will make you a conditional loan offer. Lending Match arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the Terms of Use Agreement for more details. The Terms of Use Agreement governs these advertised Terms and Information.
• FICO score means the FICO credit score report that a lender receives from a consumer reporting agency.

Free Lending Match Services

Lending Match is compensated by companies on this site and/or network partners and this compensation may impact how and where offers appear on this site (such as the order). Lending Match does not include all lenders, savings products, or loan options available in the marketplace.

There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. The lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with Lending Match at no cost.

Lending Match does not charge you, the consumer, a fee for its services. The lender and/or network partner pays all relevant fees for our services. Separately, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.

Offers

Lending Match lenders return offers based on the information you provide in your request as well as your credit score information. They’re initial, conditional offers and are subject to change based on completion of an application with the Lender, verification of information you provide, and other conditions determined solely by the Lender. 

Calculators

Calculators are made available as tools for your use in researching and comparing products. Lending Match does not guarantee the accuracy of the results and you should seek individualized advice from qualified professional(s) who can assist you in regard to your personal financial circumstances. All tools and calculators are deemed examples and are for illustrative purposes only. Your final payment, interest rate, loan, amount and/or fees are unknown and all calculations are estimates only. When calculators are placed in LendingTree Widgets there are times when certain assumptions will be utilized

Telephone Consumer Protection Act

Marketers are required to obtain your consent to receive phone calls by automatic dialers and/or to receive pre-recorded messages. While Lending Match does not utilize such mechanisms at this time, some of our Lenders/Partners may utilize such technology to communicate with you regarding your inquiry.

By providing a phone number, you are giving express consent to receive return phone calls from Lending Match, its Network Lenders, and/or partners who may contact you at the number(s) you provide. In addition, you are agreeing to receive calls and messages from automated dialing systems and/or by pre-recorded message, and text message(s) (where applicable) at the number(s) you provided. Normal cell phone charges may apply if you provide a cellular number. You may also elect to receive return calls by manually dialed process, email, or other preferred method of contact.

Personal Loans

A Personal Loan can offer funds relatively quickly once you qualify you could have your funds within a few days to a week. A loan can be fixed for a term and rate or variable with fluctuating amount due and rate assessed, be sure to speak with your loan officer about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. A personal loan can assist in paying off high-interest rate balances with one fixed term payment, so it is important that you try to obtain a fixed term and rate if your goal is to reduce your debt. Some lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Lenders may charge an origination fee generally around 1% of the amount sought. Be sure to ask about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $50,000 are available through participating lenders; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms and rates offered. Ask your loan officer for details.

Payment Examples:*

Example 1: A $10,000 loan with a 5-year term at 13% Annual Percentage Rate (APR) would be repayable in 60 monthly installments of $228 each. The actual payment amount and year-end balance will vary based on the APR, loan amount, and term selected.

Example 2: A $25,000.00 secured personal loan financed for 60 months at an interest rate of 8.500% would yield an APR* (Annual Percentage Rate) of 8.496% and 59 monthly payments of $512.87 and 1 final payment of $513.24.

*These examples are for illustrative purposes only. The examples and match rates are not a guarantee, agreement, or commitment to loan funds or extend credit. Interest rates and terms are subject to change at any time without notice. Loans are not available in all states at all requested amounts. All loan applications are subject to credit approval by the lender(s) with whom you are matched. Lending Match, LLC does not offer, extend, or alter credit terms it merely connects you with lenders who can perform such activities. When Lending Match obtains your instruction to do so, Lending Match and its lender partners may review your credit history in connection with such activities, in compliance with the Fair Credit Reporting Act. Rate, terms and fees will be based on your individual credit history and underwritten by the lender NOT Lending Match. All Equal Credit Opportunity Act requirements are adhered to and each lender will provide you with all required disclosures. Request all fees, terms, and rate information from the participating lender as Lending Match, LLC does not receive any funds from you and only receives a “lead fee” from the lender.

The Personal Loan offers that appear on this site are from companies from which Lending Match receives compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Lending Match does not include all Personal Loan companies or all types of offers available in the marketplace.

Personal Loan Providers determine the underwriting criteria necessary for approval, you should review each Provider’s terms and conditions to determine which loan works for you and your personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s discretion. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown.

Prequalification Offers

Using the Lending Match’s Prequalification Offers Product does not guarantee consumers will get a loan. Rather, a prequalification is a lender’s estimate of how much you could be eligible to borrow based on information you supply directly to the lender. Lending Match offers this service for free and you can obtain multiple prequalification letters from lenders so you can shop for a new personal loan with an estimated budget in mind.

The pre-qualification you receive is based upon preliminary unverified information, which although deemed to be reliable, is not guaranteed to be correct. A final loan decision cannot be made until a complete application and supporting documentation is received and verified by the lender you choose to finance with. Your prequalification letter does not guarantee loan approval, nor is it an offer or commitment to make a loan at current advertised rates or terms found on Lending Match’s Website or advertisement. Interest Rates are subject to change without notice and may affect the loan amount for which you qualify. Product and services may not be available in all states. 

Debt Relief/Debt Settlement

Lending Match offers consumers the option of working with our credit repair and debt relief (collectively, “Pre-Prime”) partners. The Pre-prime offers that appear on this site are from companies from which Lending Match receives compensation. This compensation may impact how and where the partners appear on this site (including for example, the order in which they appear or whether a partner is “featured” on the site).

Pre-prime partners may contact consumers via phone or email to enroll in the services. Any fees for the services will be paid by the consumers to the partner and not to Lending Match.

If pre-approved for Debt Relief/Debt Settlement, you consent to allow the partner Debt Relief/Debt Settlement Company(s) to contact you whether or not chosen by email, phone, text or any other means supplied. You may opt-out of this by contacting support@LendingMatch.com or contacting the Debt Relief/Debt Settlement Company(s) directly to change your consent. Lending Match has no control over network partners and their direct opt-out methods and/or practices.

Featured Lender or Network Partner

Lending Match FEATURED LENDERS and FEATURED NETWORK PARTNERS are Lenders and Debt Relief/Debt Settlement Providers on the Lending Match network who have paid for premium placement on our website. Premium placement does not designate the lender and/or Network Partner are a better choice for the consumer. It also does not denote that the consumer will be guaranteed a match with that particular lender or Debt Relief/Debt Settlement Provider. By clicking on lenders or Debt Relief/Debt Settlement Service Providers link may take the consumer to a third-party’s website. Lending Match does NOT endorse this specific lender or Debt Relief/Debt Settlement Service Provider over another lender or debt relief/debt settlement service provider nor does Lending Match promote this lender or debt relief/debt settlement service provider is better for the consumer.

Last Updated: July 1, 2025

This State Law Privacy Notice (this “Notice”) supplements the Privacy Policy and applies solely to residents of California, Oregon, and Minnesota (“Applicable State Privacy Laws”).

Pursuant to Applicable State Privacy Laws, this Notice provides additional details regarding our collection, use, and disclosure of residents’ personal information that is subject to these laws. This Notice also describes the rights available in relation to certain personal information we maintain and how consumers can exercise those rights.

Capitalized terms used but not defined in this Notice have the definitions ascribed to them in the Privacy Policy.

NOTE: Lending Match is a financial institution subject to the federal Gramm-Leach-Bliley Act (“GLBA”). The Applicable State Privacy Laws and this Notice do not apply to personal information we collect, maintain, use, or disclose to the extent such information is governed by or subject to the GLBA and related regulations. For example, personal information relating to consumers who use the Services to initiate or complete the process of requesting or applying for financial products or services, including loans and insurance, is governed by the GLBA and exempt from the Applicable State Privacy Laws. This means the Applicable State Privacy Laws do not require Lending Match to honor consumer privacy rights requests with respect to this personal information. For additional information relating to your choices with respect to this information, see our Financial Privacy Disclosure.

This Notice applies only to residents of California, Oregon, and Minnesota whose interactions with us are limited to:

•       Visiting the Digital Properties;
•       Signing up for our email alerts;
•       Utilizing chatbot technology on the Digital Properties;
•       Commenting on or contributing to our blogs; and/or
•       Establishing an account that does not include a financial product or service subject to the GLBA.

NOTICE AT COLLECTION OF PERSONAL INFORMATION

The following chart details which categories of personal information we have collected from and about consumers in the past twelve (12) months, the source(s) of each category of information, the categories of third parties to whom we have disclosed each category of information for a business purpose, and the categories of third parties to or with whom we have “sold” or “shared” each category of information (as such terms are defined in Applicable State Privacy Laws).

1.   Categories of Personal Information We Collect

Identifiers

Including name, email address, IP address, and other identifiers.

• Categories of Sources:
  • Directly from individuals
  • Through automated means

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers
  • Our Analytics Providers

• Sale or Sharing:
  Yes, sold/shared with:
  • Our Analytics Providers
  • Our Marketing and Advertising Partners (including social media platforms)

Personal Information Categories Listed in the California Customer Records Statute

Including name, address, and telephone number.

• Categories of Sources:
  • Directly from individuals

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers

• Sale or Sharing:
  N/A

Protected Classification Characteristics Under California Law

Including marital and veteran status.

• Categories of Sources:
  • Directly from individuals

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers

• Sale or Sharing:
  N/A

Internet or Other Electronic Network Activity Information

Including information regarding interactions with our digital properties and advertisements.

• Categories of Sources:
  • Directly from individuals
  • Through automated means
  • Third-party sources

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers
  • Our Analytics Providers

• Sale or Sharing:
  Yes, sold/shared with:
  • Our Analytics Providers
  • Our Marketing and Advertising Partners (including social media platforms)

Geolocation Data

Such as IP location.

• Categories of Sources:
  • Through automated means

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers
  • Our Analytics Providers

• Sale or Sharing:
  Yes, sold/shared with:
  • Our Analytics Providers
  • Our Marketing and Advertising Partners (including social media platforms)

Audio, Electronic, Visual, or Similar Information

Including phone call recordings.

• Categories of Sources:
  • Directly from individuals

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers

• Sale or Sharing:
  N/A

Inferences

Meaning inferences drawn from any of the above-listed categories of information.

• Categories of Sources:
  • Through automated means
  • Third-party sources

• Disclosures for Business Purpose:
  Yes, disclosed to:
  • Our Affiliates and Subsidiaries
  • Our Service Providers

• Sale or Sharing:
  N/A

We do not knowingly sell or share personal information about persons under the age of 18. To opt-out of the sale or sharing of this personal information, you may email us at support@LendingMatch.com with your request or click the “Your Privacy Choices” link in the footer of our website and follow the instructions.

1. Purposes For Collecting and Processing Personal Information 

We use your personal information for the following reasons: 

• Providing the Services, including to operate, maintain, support, and provide the Services.
• Communicating with you, including to contact you for administrative purposes (e.g., to provide the Services and information that you request or to respond to your comments and questions) or to send you important updates and communications about this Notice and/or other applicable terms and conditions.
• Sending you marketing and promotional communications, including emails about products or services that may be of interest to you. Details on how to exercise your choices with respect to marketing and promotional communications from us can be found in the “Your Choices” section of the Privacy Policy.
• Personalizing the Services, including to tailor the content we may send or display to you and otherwise personalize your experience with us.
• Engaging in interest-based targeted advertising, including to serve you interest-based advertising on the Digital Properties or on other online services across the devices you may use. Details on how to exercise your choices with respect to interest-based advertising can be found in the “Your Choices” section of the Privacy Policy.
• Conducting research and analytics to develop and improve the Services, including to analyze usage trends and preferences in order to improve the Services and develop new products, services, and features.
• Maintaining security and preventing fraud, including to monitor and maintain the security of our systems and networks and to detect, prevent, investigate, and protect you, our business, and others from fraud, unauthorized transactions, and other unlawful or unsafe activity.
• Satisfying our legal obligations, including complying with applicable law and responding to lawful requests and communications from law enforcement authorities and other government officials.
• Supporting our business operations and business transactions, including to administer our general business and other related functions and to carry out sales or other business transactions.

1. Retention 

We will retain your personal information at least as long as necessary to fulfill the purposes of processing listed in this Notice. 

To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of personal information; the potential risk from deletion, unauthorized use, or disclosure of the personal information; the purpose(s) for which we use or may use the personal information; whether we can achieve the purpose(s) through other means; and applicable legal requirements.

DISCLOSURES OF PERSONAL INFORMATION

We may disclose each category of personal information we collect from and about you with the following categories of recipients:

• Our Affiliates and Subsidiaries. We may disclose your personal information to other entities within our family of brands to fulfill any purpose described in this Notice and our Privacy Policy.
• Our Business Partners. We may disclose your personal information to other companies with whom we partner to provide the Services and carry out other activities described in this Privacy Policy.
• Our Service Providers. We may disclose your personal information to third parties that provide business, professional, or technical support services to us and/or administer activities on our behalf.
• Our Analytics Providers. We may disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of the Services and our marketing and advertising efforts.
• Our Marketing and Advertising Partners. We may disclose your personal information to our marketing and advertising partners, including social media networks, third-party advertising networks, and other parties that assist us in serving, measuring the performance of, and optimizing our advertisements.
• Governmental and Public Authorities. We may disclose your personal information to government and public authorities as necessary or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency, or similar request from a self-regulatory body or government agency.
• Relevant Third Parties in Connection with a Business Transaction. We may disclose or otherwise transfer your personal information to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction as well as in the event of any insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
• Other Parties. We may disclose your personal information to other parties as we believe necessary or appropriate either to: (1) comply with applicable law; (2) protect our operations and those of our affiliates and subsidiaries; (3) investigate and prevent against fraud and other illegal activity; (4) protect our rights, privacy, safety, property, and/or those of others; or (5) allow us to pursue available remedies or limit damages that we may sustain.
• We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information. Additionally, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize, or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.

SALE AND SHARING OF PERSONAL INFORMATION

We “sell” and “share” (as such terms are defined in Applicable State Privacy Laws) certain categories of personal information to and with third parties. Additionally, as detailed in the chart above, we have “sold” and “shared” certain categories of personal information in the past twelve (12) months for analytics and “targeted advertising” purposes. Refer to the chart above for additional details. We do not “sell,” “share,” or use for “targeted advertising” the personal information of minors we know to be under the age of 18.

YOUR LEGAL RIGHTS

Depending on your state of residence, Applicable State Privacy Laws may provide you the rights listed below. Note that not every Applicable State Privacy Law grants each of these rights, and each Applicable State Privacy Law exempts from these rights and requests certain information we collect, including information governed by or subject to the federal GLBA. We reserve the right to honor requests only to the extent required by applicable law. 

Applicable State Privacy Law may grant you the following rights: 

• The right to request the following information covering the twelve (12) months preceding your request:
  • the categories of personal information we have collected about you and the categories of sources from which we collected such information.
  • the specific pieces of personal information we have collected about you;
  • the business or commercial purposes for collecting, selling, or sharing your personal information;
  • the categories of third parties to whom we disclosed such personal information; and
  • if we sold, shared, or disclosed your personal information for a business purpose, two separate lists disclosing:
  • sales and shares, identifying the personal information categories that each category of recipient received; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
• The right to request a specific list of third parties with whom we have shared your personal information, excluding natural persons and/or trade secrets. 
• The right to delete personal information that we have collected from you, subject to certain exceptions, including, but not limited to, where such information is reasonably necessary to help ensure security and integrity or debug to identify and repair errors that impair existing functionality.
• The right to correct inaccurate personal information that we maintain about you, taking into account the nature of the personal information and the purposes of the processing.
• The right to opt out of certain types of personal information uses, including the “sale” or “sharing” of your personal information, or the use and disclosure of your personal information for “targeted advertising” (as these terms are defined in Applicable State Privacy Laws).

We will not discriminate or retaliate against you if you decide to exercise your rights under Applicable State Privacy Laws.

Where permitted by law, we may elect to delete personal information as an alternative to correcting information if the deletion does not negatively impact you or you consent to the deletion.

If you are interested in exercising any right listed above, you can do so by sending an email to Lending support@LendingMatch.com with the subject line “Consumer Privacy Request” or by calling us at 1-801-963-7060. For emails, please also specify your state of residence (e.g., “California Consumer Privacy Request,” “Oregon Consumer Privacy Request”).

When you exercise the right to know, the right to request a specific list of third parties, the right to delete, or the right to correct, Applicable State Privacy Laws permit us to take steps to verify your identity. To protect consumer privacy, we will require the matching of at least three pieces of information provided with your request with information we maintain to verify that it is you making the request. Where applicable, we will use the requested information for verification purposes only. Note that we may decline a request where we are unable to verify your identity and confirm the personal information we maintain relates to you. You have the right to appeal our rejection of your request through the same mechanism by which you made the initial request. Additionally, we reserve the right to honor requests to access, correct, or delete personal information only to the extent required by applicable law.

AUTHORIZED AGENTS

You may authorize someone to submit a privacy rights request on your behalf (an “authorized agent”). An authorized agent will need to demonstrate that you have authorized them to act on your behalf, unless you have provided the agent with power of attorney pursuant to applicable probate law. Depending on the evidence provided, we may contact you to verify your identity with us or request confirmation from you that the agent is authorized to submit the request on your behalf.

EXERCISING YOUR SALE, SHARING, AND TARGETED ADVERTISING OPT-OUT RIGHTS

As detailed in the chart above, we “sell” and “share” certain categories of personal information to and with third parties, including for “targeted advertising purposes” as defined in applicable law. To exercise your opt-out right, you may email us at support@LendingMatch.com with your request or click the “Your Privacy Choices” link in the footer of our website and follow the instructions.

CHANGES TO THIS NOTICE

We may update this Notice from time to time to reflect changes in our information-handling and privacy practices and/or changes in applicable law. The “Last Updated” date at the top of this page indicates when this Notice was last revised. If we make changes, we will provide appropriate notice to you. Such notice may be provided via a temporary banner on our Site, an email sent to users for whom we have an email address, or by temporarily noting “Updated” next to the Privacy Policy link on the footer of our Site. We encourage you to review this Notice periodically to remain informed about our information handling and privacy practices. By visiting or using our Digital Properties, you agree that any changes to this Notice shall apply to any personal information we may maintain about you, whether collected before or after such changes.

HOW TO CONTACT US

If you have questions about this Notice or our information-handling and privacy practices, contact us using the following contact details:

Email:   support@LendingMatch.com
Mail:     Compliance Officer

Lending Match, LLC
10 W. Broadway 7th Floor – Suite 18
Salt Lake City, UT 94101
Phone:   801-963-7060