Privacy Policy

Last updated: 2026

Lending River ("we", "us", "our") respects your privacy. This Privacy Policy describes how we collect, use, and protect your personal information when you interact with us through our website, phone, or SMS.

Information We Collect

When you contact us or submit a form, we may collect:

• Name, address, phone number, and email address
• Information you provide in inquiry forms
• Your IP address and browser type when visiting our website

When you consent to receive SMS messages, we additionally collect:

• Your mobile phone number
• The exact consent language you agreed to
• The date, time, and method of your consent (verbal, web form, or text)
• A record of the page or call where consent was given

How We Use Your Information

• To respond to your inquiry and provide the services you requested
• To send transactional SMS messages you have consented to receive
• To maintain records of consent for regulatory compliance
• To improve our services and customer experience

We do not sell your personal information to third parties. We do not share your mobile number with third parties for their own marketing purposes.

SMS Consent Data Retention

Records of your SMS consent — including the consent language, timestamp, method, and phone number — are retained for a minimum of 5 years to comply with applicable telecommunications regulations (TCPA). This data is stored securely and is used solely for compliance and audit purposes.

SMS message content logs are retained for 90 days for operational purposes and then deleted. Consent and opt-out records are retained separately and are not subject to the 90-day deletion.

Opting Out of SMS

You may opt out of SMS communications at any time by replying STOP to any text message from us. You will receive a single confirmation message and no further texts will be sent. To re-subscribe, reply START.

Opting out of SMS does not affect other communications such as email or phone calls. See our SMS Terms for full opt-in and opt-out details.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, or misuse. This includes encrypted storage of consent records and access controls limiting who can view your data.

Cookies and Tracking

Our website may use cookies and similar technologies for analytics and to improve your experience. These do not collect personally identifiable information unless you voluntarily provide it through a form submission.

Your Rights

You have the right to request access to, correction of, or deletion of your personal information. To exercise these rights, contact us using the information below. We will respond within 30 days.

Contact Us

If you have questions about this Privacy Policy or your personal data:

Lending River
Phone: 1-949-205-7525