Privacy Policy
How we collect, use, protect, and share your information. This policy complies with the Gramm-Leach-Bliley Act (GLBA) and applicable state regulations.
Effective Date: February 24, 2026 | Last Updated: July 11, 2026
Introduction
Lenddy.io, LLC ("we," "us," "our," or the "Company"), is committed to protecting the privacy and security of your personal information. As a mortgage technology and lending company, we understand that you entrust us with sensitive financial data, and we take that responsibility seriously.
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at lenddy.io, use our Loan Estimate Analyzer tool, apply for mortgage services, or otherwise interact with us. This notice is provided in accordance with the Gramm-Leach-Bliley Act (GLBA), the FTC Safeguards Rule, and applicable state privacy laws.
By using our services, you acknowledge that you have read and understand this Privacy Policy. If you do not agree with our practices, please do not use our services.
Information We Collect
Information You Provide Directly
When you use our services, we may collect the following categories of nonpublic personal information ("NPI") that you provide to us:
Personal Identifiers
Name, address, email address, phone number, date of birth, Social Security Number
Financial Information
Income, employment history, assets, debts, bank account information, credit history and scores, tax returns
Property Information
Property address, property type, estimated value, purchase price, loan details
Loan Estimate & Closing Disclosure Data
When you upload documents to our Loan Estimate Analyzer, we extract loan terms, interest rates, fees, closing costs, and other data contained in those documents
Communication Records
Correspondence, phone call records, chat messages, consultation notes
Information from Third Parties
With your authorization, we may collect information from third-party sources, including credit reporting agencies (credit reports and scores), employers and income verification services, other financial institutions, public records and government agencies, and real estate professionals and appraisers.
Information Collected Automatically
When you visit our website, we may automatically collect device information (browser type, operating system, device type), IP address and approximate location, pages visited, time spent on pages, and referring website. We use cookies and similar tracking technologies to improve our website functionality and your experience. You may control cookie settings through your browser preferences.
How We Use Your Information
We use the information we collect for the following purposes:
Processing and evaluating mortgage loan applications
Providing Loan Estimate analysis through our AI-powered analyzer tool
Communicating with you about your loan application, account, or inquiry
Verifying your identity and preventing fraud
Complying with federal, state, and local legal and regulatory requirements
Maintaining and servicing your account
Improving our products, services, and website functionality
Responding to your requests and inquiries
Sending you information about products or services that may be of interest (with your consent where required)
Mobile Messaging (SMS) & Text Communications
If you provide your mobile phone number and opt in, Lenddy may send you conversational text messages related to your mortgage inquiry, application status, and account — for example, follow-ups, document requests, and loan updates. We do not send marketing or promotional text messages.
Mobile Information Sharing
No mobile information — including your phone number and SMS/text-messaging opt-in data and consent — will be shared with, sold to, or rented to any third parties or affiliates for any purpose. Text-messaging originator opt-in data and consent is never shared with any third party.
Opting In
You provide consent to receive text messages by checking the SMS consent box on our Contact form or another Lenddy form where it is presented. Consent to receive text messages is not a condition of any purchase or of receiving mortgage services.
SMS Terms & Conditions
Our full text-messaging program terms — opt-in and opt-out (STOP/HELP), message frequency, rates, carrier disclaimers, and our no-third-party-sharing commitment — are on our dedicated SMS Terms & Conditions page.
How We Protect Your Information
We maintain a comprehensive information security program in compliance with the FTC Safeguards Rule. Our security measures include:
Encryption
256-bit SSL/TLS encryption for all data in transit and AES-256 encryption for data at rest
Access Controls
Role-based access controls limiting employee access to information on a need-to-know basis
Multi-Factor Authentication
MFA required for all systems that access customer information
Monitoring & Logging
Continuous monitoring and logging of authorized user activity and detection of unauthorized access
Secure Storage
Uploaded documents are stored in encrypted, access-controlled cloud infrastructure
Employee Training
Regular security awareness training for all team members with access to customer data
Loan Estimate Analyzer — Specific Privacy Practices
Our Loan Estimate Analyzer tool involves the processing of mortgage documents that contain sensitive financial information. The following practices apply specifically to the analyzer:
Document Processing
Uploaded Loan Estimate and Closing Disclosure documents are processed using AI technology to extract relevant financial data. Document images are transmitted securely and are not retained beyond the processing period unless you create an account.
Data Extracted
We extract loan terms, interest rates, origination fees, third-party fees, and other financial details from your uploaded documents. We use this data solely to generate your analysis report and, if you opt in, to connect you with our mortgage services.
No Data Selling
We do not sell, rent, or trade the data extracted from your uploaded documents to any third party for marketing or any other purpose.
Retention
If you use the analyzer without creating an account, extracted data is retained for up to 30 days for quality assurance purposes and then permanently deleted. If you create an account or proceed to a loan application, data is retained in accordance with our standard retention policies.
Your Rights & Choices
Opt-Out Rights
Under GLBA, you have the right to opt out of certain information sharing with nonaffiliated third parties. If we intend to share your NPI with nonaffiliated third parties beyond the exceptions permitted by law, we will provide you with a clear and conspicuous opt-out notice and a reasonable opportunity to opt out before sharing.
Access & Correction
You have the right to request access to the personal information we hold about you and to request corrections to any inaccurate information. To exercise these rights, please contact us using the information provided below.
Marketing Communications
You may opt out of receiving marketing communications from us at any time by clicking the "unsubscribe" link in any marketing email, contacting us directly, or adjusting your communication preferences in your account settings (if applicable).
Cookies
You can control cookies through your browser settings. Please note that disabling certain cookies may limit functionality on our website. We respect browser-based opt-out signals including Global Privacy Control (GPC).
Do Not Track
We honor Do Not Track (DNT) browser signals. When we detect a DNT signal, we limit tracking to what is strictly necessary for website functionality and security.
Data Retention
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, and resolve disputes. For mortgage loan records, federal and state regulations generally require retention for a minimum of three to five years after the loan is paid off, transferred, or otherwise resolved. When personal information is no longer required, we securely dispose of it in accordance with our data destruction policies.
Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete that information promptly.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website with a revised effective date. For significant changes, we may also notify you via email or through a notice on our website. We encourage you to review this policy periodically.
Contact Us
If you have questions about this Privacy Policy, would like to exercise your privacy rights, or have concerns about how your information is handled, please contact us:
Lenddy.io, LLC
Email: privacy@lenddy.io
Phone: (303) 565-8662
To file a complaint about our privacy practices, you may also contact the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov or by calling (855) 411-2372.
Lenddy