Effective Date: April 2026

Lending Valley (“we,” “our,” or “us”) is a commercial financing advisory and referral service headquartered in Brooklyn, New York. We are not a direct lender, bank, or credit union. We connect business owners across the United States with independent third-party funding providers who may offer loans, merchant cash advances, lines of credit, and other financing products.

This Privacy Policy explains what information we collect, how we use it, who we share it with, and what rights you have regarding your personal data. By using our website at lendingvalley.com or submitting an application for business financing, you agree to the practices described in this policy.

1. Information We Collect

Information You Provide Directly

When you complete a funding application, contact form, or consultation request on our site, we may collect:

• Business name, legal entity type, and Employer Identification Number (EIN)
• Owner name, date of birth, and Social Security Number (SSN) for identity verification purposes
• Business address, phone number, and email address
• Monthly revenue figures, time in business, and industry type
• Bank statements or other financial documentation submitted voluntarily
• Any other information you choose to include in your application or correspondence

Information We Collect Automatically

When you visit lendingvalley.com, we may automatically collect certain technical data, including:

• IP address and general geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on site, and referring URLs
• Cookie data and similar tracking technologies (see Section 6)

2. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate your business financing application and match you with appropriate funding providers
• To verify your identity and prevent fraud
• To communicate with you about your application status, loan offers, and funding options
• To provide customer support and respond to your inquiries
• To improve our website, services, and user experience
• To comply with applicable federal, state, and local laws and regulations
• To send you relevant updates, educational content, or promotional offers,  only where you have provided consent

We collect and use only the minimum information necessary to fulfill these purposes.

3. How We Share Your Information

Lending Valley does not sell your personal data to third-party advertisers. We may share your information in the following limited circumstances:

• Funding Partners: We share your application information with independent third-party lenders, merchant cash advance providers, and other financing companies for the purpose of evaluating and presenting you with funding offers. These partners have their own privacy practices, and we encourage you to review their policies.
• Service Providers: We work with vendors who help us operate our business,  including CRM platforms, email providers, and analytics tools. These providers are contractually required to protect your data and may not use it for their own purposes.
• Legal and Regulatory Compliance: We may disclose information to government authorities, law enforcement, or regulatory agencies when required by law, subpoena, or other legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of Lending Valley’s assets, your information may be transferred to the successor entity, subject to the same privacy protections described here.

4. Data Retention

We retain your information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Application data is generally retained for a minimum of three years in accordance with applicable commercial lending regulations.

You may request deletion of your personal data at any time (see Section 7), subject to our legal retention obligations.

5. Data Security

We take the security of your personal and financial information seriously. Our security measures include:

• SSL/TLS encryption for all data transmitted through our website
• Access controls that limit data access to authorized Lending Valley personnel only
• Secure storage practices for all sensitive data
• Regular review of our systems and security protocols

While we implement industry-standard safeguards, no transmission over the internet is 100% secure. We encourage you to protect your account credentials and contact us immediately if you suspect any unauthorized access.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience and understand how visitors use our site. These include:

• Essential Cookies: Necessary for core website functionality, such as form submissions and session management
• Analytics Cookies: Help us understand user behavior so we can improve our content and services (e.g., Google Analytics)
• Marketing Cookies: Used to deliver relevant advertising or retargeting campaigns, with your consent

You can control cookies through your browser settings or opt out of certain tracking by visiting the Network Advertising Initiative (NAI) opt-out page or using the Digital Advertising Alliance (DAA) opt-out tool. Note that disabling some cookies may affect website functionality.

7. Your Rights and Choices

Depending on where you live, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal information we hold about you
• Correction: Ask us to correct inaccurate or incomplete information
• Deletion: Request that we delete your personal data, subject to our legal obligations
• Opt-Out of Marketing: Unsubscribe from promotional emails at any time using the unsubscribe link in any email, or by contacting us directly
• Portability: In some cases, request that we provide your data in a portable, machine-readable format

To exercise any of these rights, please contact us at: [email protected]. We will respond within 45 days. For complex or high-volume requests, we may extend this period by an additional 45 days with notice.

8. State-Specific Privacy Notices

New York Residents

Lending Valley complies with the New York SHIELD Act and other applicable New York State data protection requirements. We implement reasonable administrative, technical, and physical safeguards to protect the personal data of New York residents. Business financing offers made in New York may be subject to the New York Commercial Finance Disclosure Law, which requires disclosure of certain loan terms.

California Residents

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have additional rights, including the right to know what personal information is collected, the right to delete personal information, the right to correct inaccurate information, the right to opt out of the sale or sharing of personal information, and the right to non-discrimination for exercising these rights. To exercise your California privacy rights, contact us at [email protected] or call us during business hours.

Residents of Other States

Similar privacy rights may apply to residents of Virginia, Connecticut, Colorado, Texas, and other states with enacted consumer privacy laws. We honor applicable rights for residents of all states in which we operate.

9. Children’s Privacy

Our services are intended for business owners and are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at [email protected] and we will delete it promptly.

10. Third-Party Links

Our website may contain links to third-party websites, including funding partners and resource pages. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before submitting any personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, applicable law, or technology. When we make material changes, we will update the effective date at the top of this page. We encourage you to review this policy periodically. Continued use of our website following any updates constitutes your acceptance of the revised policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or the way we handle your data, please contact us:

• Lending Valley
• Headquarters: Brooklyn, New York
• Email: [email protected]
• Website: www.lendingvalley.com

We are committed to resolving any privacy concerns promptly and transparently.