Effective Date: 5/12/2024
Trato Lending LLC (“Trato Lending,” “we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://www.tratolending.com and when you engage with our lending services. By using our website or submitting your information, you agree to the practices outlined in this policy.
1. Information We Collect
We may collect the following categories of personal and business-related information:
a. Personally Identifiable Information (PII):
- Full name
- Email address
- Phone number
- Mailing address
- Social Security Number (only when required during the loan application process)
- Driver’s license or government-issued ID (if applicable)
b. Business and Financial Information:
- Entity name, type, and EIN
- Property address and details
- Loan amount requested, purchase price, rehab budget, and ARV
- Rental income or business financials
- Bank statements or funding history (when applicable)
c. Technical and Usage Data:
- IP address
- Browser type and operating system
- Pages visited, links clicked, and time spent on site
- Referring website or source
- Cookies, pixels, and other tracking technologies
2. How We Use Your Information
- To evaluate and process loan applications
- To verify identity and prevent fraud
- To communicate with you about loan terms, requests, or services
- To provide marketing communications (you may opt out at any time)
- To improve website performance and user experience
- To comply with applicable legal and regulatory requirements
3. How We Share Your Information
We do not sell your personal data. We may share your information with trusted third parties as follows:
- Funding partners and private lenders for loan underwriting and placement
- Third-party credit bureaus, only when authorized by you
- CRM and email platforms to manage communications
- Web analytics providers for performance tracking
- Legal or government entities, when required by law or legal process
All third-party service providers are contractually obligated to safeguard your data and use it solely for the purposes described above.
4. Data Security
We implement industry-standard safeguards to protect your information, including:
- SSL encryption for all form submissions
- Secure data storage and access control
- Limited internal access to sensitive data
- Routine monitoring for unauthorized access or vulnerabilities
While we take reasonable precautions, no transmission method over the Internet or electronic storage is 100% secure.
5. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your browsing experience and provide relevant content. This includes:
- Session cookies to track user behavior on-site
- Marketing pixels for remarketing (e.g., Google Ads, Meta)
- Analytical cookies (e.g., Google Analytics) to understand website usage
You may disable cookies through your browser settings, but doing so may limit site functionality.
6. Your Rights and Choices
If you are a U.S. resident, you have the right to:
- Request access to personal information we have collected about you
- Request corrections or updates to your personal data
- Request deletion of your personal information, subject to legal obligations
- Opt out of receiving marketing emails (unsubscribe link in each email)
To exercise any of the above rights, please email us at loans@tratolending.com.
7. California Privacy Rights (CCPA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:
- The right to know what categories of per
