Privacy Policy

Last Updated: December 10, 2025

This Privacy Policy describes how Lake Norman Private Money Lending (“we,” “us,” or “our”) collects, uses, and shares information in connection with your use of our website, services, and online loan application process. We are committed to protecting your privacy and handling your personal information with integrity and discretion.

1. Information We Collect

We collect information that allows us to provide our services, process your loan application, and communicate with you. This information falls into three categories:

A. Information You Provide Directly

This includes personal and business information you voluntarily provide when you use our website, contact us, or submit a loan application:

• Contact & Identity Data: Your name, email address, phone number, physical address, and communication preferences.
• Loan Application Data: Information necessary to evaluate your request for a hard money loan, including financial information (e.g., assets, liabilities, income), property details (e.g., purchase price, After Repair Value, location, project type: Fix & Flip, Rent, Need Cash Fast), and business details (e.g., LLC name, tax ID).
• Security Data: Information for verification and security purposes, such as an encrypted password if you create an online account.
• Communication Data: Records of correspondence when you contact us via email, phone, or online forms.

B. Information We Collect from Third Parties

We may collect information about you from third parties as part of the underwriting and due diligence process:

• Credit Reporting Agencies: Information related to your credit history and score.
• Public Records: Property ownership, tax, and other public records.
• Other Financial Institutions: Verification of funds or other financial standing.

C. Information Collected Automatically (Usage Data)

When you visit our website, we automatically collect certain technical information:

• Device & Usage Data: Your IP address, browser type, operating system, pages viewed, time spent on pages, referral source, and the links you click.
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to analyze website traffic, remember your preferences, and improve your user experience.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide Our Services: To process, evaluate, and approve your loan applications (e.g., generating instant term sheets and proof of funds letters), manage your loan, and facilitate closing and fund disbursement.
• Communication: To respond to your inquiries, provide customer support, and send you important updates regarding your application or loan.
• Marketing: To provide you with information about our loan products, discounts, or services that may be of interest to you, in accordance with your preferences.
• Improvement: To analyze and improve our website functionality, services, and overall business operations.
• Compliance & Security: To comply with legal and regulatory obligations, prevent fraud, enforce our terms of use, and protect the security of our services and data.

3. How We Share Your Information

We do not sell your personal information. We only share your information with the following parties when necessary to provide our services or as required by law:

• Affiliates and Partners: We may share information with companies that are part of our corporate group to provide you with seamless service.
• Service Providers: We engage trusted third parties to perform functions on our behalf, such as title companies, appraisers, technology vendors, and legal counsel. These parties are contractually obligated to protect your information and use it only for the purposes for which we disclose it to them.
• Credit Reporting Agencies: We report information about your loan, including payment history, to credit bureaus.
• Legal Requirements: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend our rights or property, or act in urgent circumstances to protect the personal safety of users or the public.

4. Security of Your Information

We implement a variety of security measures to maintain the safety of your personal information, especially during the online application process. We use industry-standard encryption, firewalls, and secure socket layer technology (SSL) to protect data transmission. However, no electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

5. Your Choices and Rights

• Opt-Out of Marketing: You can opt-out of receiving marketing emails from us by following the unsubscribe link provided in those emails.
• Cookies: Most web browsers are set to accept cookies by default. You can usually choose to set your browser to remove or reject browser cookies. However, note that disabling or rejecting cookies may affect the functionality of our website.

6. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete that information.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new policy on this page and updating the “Last Updated” date.

8. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us by emailing hi@keelteam.com.