Effective Date: October, 2024
Thank you for visiting Black Swan Lending. This Privacy Policy describes how we collect, use, disclose, and protect personal information obtained via our website, services, and related interactions (collectively, the “Services”). This site was created to provide information about our company and our real estate lending and investing services
By accessing or using our Services, you consent to the practices described in this Privacy Policy. If you do not agree, please do not use our Services.
Information We Collect
We collect information to provide and improve our lending services, to comply with legal obligations, and for other business purposes. The categories of information we collect include:
- Information you provide directly for loan application and processing
- Information collected automatically includes: Log and usage data: IP address, browser type and version, device type, operating system, pages visited, referring URL, timestamps, clickstream data, analytics data and cookies
Disclosure and Sharing of Information
We do not sell your personal information for marketing purposes (unless we explicitly inform you otherwise and you consent).
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
We and our service providers use cookies and similar tracking technologies to collect usage data and personalize your experience.
- Types of cookies: session cookies, persistent cookies, third-party cookies
- Purpose: enable functionality, analyze site traffic, remember preferences, deliver relevant content
- Your choices: you can disable or block cookies via your browser settings, but this may affect your ability to use certain features of our Services
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
How We Use Your Information
All personal information shared via loan application or for loan processing is done so through secure channels and is collected for the following necessary purposes:
- To process and evaluate your loan application, verify your identity, conduct credit checks, and make lending decisions
- To communicate with you (e.g. sending statements, notices, disclosures, customer support)
- To service, manage, and administer your loans (e.g. billing, payments, collections)
- To detect, prevent, and investigate fraud, security incidents, or unauthorized access
- To comply with applicable laws, regulations, and court orders
- To improve, maintain, and develop our website, services, and products (including analytics, testing, and enhancing user experience)
- To send you marketing or promotional materials (subject to your consent or where otherwise permitted)
- For internal business purposes (e.g. audit, risk management, recordkeeping)
Data Retention
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected (e.g. servicing your loan, compliance, legal obligations, dispute resolution). After that, we securely delete or anonymize your data.
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
Security
We implement reasonable administrative, technical, physical, and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. Examples include encryption, access controls, secure servers, firewalls, intrusion detection, and staff training.
However, no method of transmission or storage over the Internet is 100% secure. We cannot guarantee absolute security.
Your Rights & Choices
Depending on your jurisdiction, you may have certain rights regarding your personal information, such as:
- Right to access or obtain a copy of your personal information
- Right to correct or update inaccurate or incomplete data
- Right to delete or request erasure of your personal data (subject to legal exceptions)
- Right to restrict or object to certain processing (e.g. direct marketing)
- Right to withdraw consent (where processing is based on consent)
- Right to data portability (in certain cases)
To exercise these rights, please contact us using the contact information below. We may need to verify your identity before fulfilling your request.
Please note: some rights may be limited under applicable law or exceptions (e.g. for legal compliance, fraud prevention, contract fulfillment).