1. Scope of This Privacy Policy
This Privacy Policy applies to information collected through the Northridge Lending website, online forms, loan enquiries, and financing applications submitted through the website.
Additional privacy notices may apply to information collected in connection with an actual credit transaction or regulated financial service. Any separate notice provided with a loan application should be read together with this Privacy Policy.
2. Information We Collect
Depending on how you use the website, we may collect the following categories of information.
Contact and identification information
- Name
- Email address
- Telephone number
- Mailing or business address
- Date of birth or other identifying information when required for an application
Loan and application information
- Loan type and requested amount
- Purpose of the financing
- Employment, income, housing, and other financial information for personal applications
- Business name, ownership information, revenue, industry, time in business, and other commercial information for business applications
- Application status and communications relating to the application
Documents and supporting information
Where required, applicants may provide supporting documents such as identification records, bank statements, income records, tax documents, business registration documents, financial statements, or other information relevant to the lender's review.
Website and device information
- IP address
- Browser and device information
- Pages viewed and actions taken on the website
- Referring website or campaign information
- Cookie and analytics information
3. How We Use Information
We may use information collected through the website to:
- Receive and review loan enquiries and applications
- Verify information provided by an applicant where permitted
- Communicate about an enquiry, application, requested documents, or lending decision
- Evaluate eligibility for financing and structure potential loan terms
- Detect fraud, misuse, security incidents, or other prohibited activity
- Maintain application records and internal business records
- Operate, secure, and improve the website and application process
- Comply with legal, regulatory, licensing, recordkeeping, and reporting obligations
- Respond to requests, complaints, and legal process
5. Application, Credit, and Financial Information
Information submitted in connection with a loan application may be subject to additional financial-services privacy, security, disclosure, and retention requirements.
If Northridge Lending obtains a consumer report, verifies banking information, or uses a third-party identity or financial-data provider, those activities should be carried out only where authorized and in accordance with applicable law.
7. Data Security
Northridge Lending should maintain administrative, technical, and physical safeguards designed to protect personal and business information from unauthorized access, use, alteration, disclosure, or destruction.
Security measures may include access controls, restricted administrative permissions, encryption where appropriate, secure hosting and storage, logging, backups, and controls around uploaded documents and application records.
No system can be guaranteed to be completely secure. Applicants should avoid sending highly sensitive information through ordinary email unless specifically instructed to do so through an approved secure process.
8. Data Retention
Information should be retained only for as long as reasonably necessary for application review, fraud prevention, dispute resolution, legal compliance, regulatory recordkeeping, and enforcement of agreements.
Different categories of information may be subject to different retention periods. The final production policy should reflect the lender's approved retention schedule.
9. Privacy Rights and Requests
Depending on where you live and the type of information involved, you may have rights under applicable state or federal privacy law. These may include rights to request access, correction, deletion in limited circumstances, or information about certain disclosures.
Financial information regulated under specific financial privacy laws may be exempt from some general consumer privacy-law rights.
To submit a privacy request, contact info@northridgelending.com. Northridge Lending may need to verify your identity before completing certain requests.
Do Not Sell or Share My Personal Information
Northridge Lending does not sell personal information for money. Depending on your state of residence, certain data-sharing arrangements (such as for advertising purposes) may be defined as a "sale" or "share" under applicable state privacy law. Where this applies, you may submit a request to opt out by contacting info@northridgelending.com. The final production policy should confirm which state-specific opt-out mechanisms apply.
10. Children's Privacy
Northridge Lending's website and lending services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through the website.
11. Changes to This Privacy Policy
Northridge Lending may update this Privacy Policy from time to time to reflect changes in the website, lending operations, service providers, legal requirements, or privacy practices.
When the policy is updated, the revised version should be posted on this page with an updated effective date.
12. Contact Us
Questions or requests relating to this Privacy Policy may be directed to: