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PRIVACY POLICY

Privacy Policy

Last Updated and Effective: February 5, 2021

Notice to California Residents (Click here to learn more about your California
Privacy Rights and for our Notice of Collection of Personal Information).

Consumer Privacy Disclosure

You are visiting a website owned and operated by LendingTree, LLC. LendingTree,
LLC and its subsidiaries (collectively, “LendingTree”, “us”, “we”, or “our”) are
committed to maintaining your confidence and trust as it relates to the privacy
and usage of your information. Please read below and learn how we collect,
protect, share, and use your information as part of our technology platforms,
and all of our products and services.

This privacy policy applies to www.lendingtree.com and all websites and mobile
apps owned and operated by LendingTree on which this privacy policy is displayed
(such websites and apps referred to hereafter as the “Website(s)” or “Site(s)”,
whether individually or collectively, or collectively as “Services”) as well as
LendingTree affiliates.

LendingTree’s commercial loan Websites are designed for businesses and are not
intended for individuals’ personal, family or household use. Accordingly, we
treat all personal information collected for commercial loan products, including
information about any visitors to our commercial loan Websites, as pertaining to
individuals acting as business representatives, rather than in their personal
capacity.

Information We Collect

 1. Identifying Information: We collect information that could identify you such
    as your name, address, telephone number, mobile number, email address, and
    Social Security Number. We may also collect this type of information from
    you about others, such as co-borrowers.
 2. Financial Information: We may also collect your credit history, credit
    scores, your transaction history, and credit products, rates, and payments
    in the course of processing any application for our financial company
    partners’ products or services. For additional information relating to your
    choices about financial information specifically, see our Consumer Privacy
    Disclosure .
 3. Other Information: We also collect information such as demographic data,
    data about your online activity, and other information that is not used to
    identify you.

How We Collect Information

 1. Information provided by you: We collect information from you when you enter
    it or otherwise provide it in connection with an inquiry into our Services.
    This information could be provided via an online form, over the phone, or
    via other means in which you interact with our Services.
 2. Information from third parties: Information is collected from credit
    bureaus, lead generators and other partners who may have data on your
    financial profile, home, or other demographic information.
 3. Information from cookies and other tracking technologies: We use cookies,
    web beacons, and similar technologies to record your preferences, track the
    use of our Site and collect information. This information may include
    internet protocol (IP) addresses, browser type, internet service provider
    (ISP), referring/exit pages, operating system, date/time stamp, and/or
    clickstream data. We may combine this automatically collected log
    information with other information we collect about you. You may choose to
    set your web browser to refuse cookies, or to alert you when cookies are
    being sent. If you do so, please note that some parts of our Sites may not
    function properly.

How We Use Information

We may use collected information to:

 1. Deliver the products and services you requested
 2. Improve customer service
 3. Improve our Site
 4. Personalize your user experience
 5. Communicate with you about products or services that may be of interest to
    you
 6. Manage our business

Who Do We Share Your Information With?

LendingTree Affiliates: We may share information about you or provided by you
with the LendingTree affiliates.

Network Partners: When you submit an inquiry or use another Service provided
through the Website, you direct LendingTree to share information about you or
provided by you with lenders and other third parties in our network to deliver
the products and services you request (collectively, “Network Partners”). PLEASE
NOTE: The Network Partners that interact with you may retain or use your
information whether or not you use their services, and their privacy and
information sharing practices are set forth in their respective privacy
policies. Pursuant to the contracts between LendingTree and its Network
Partners, if you select a Network Partner through our Services, LendingTree may
also receive information about you from that Network Partner including, but not
limited to, the amount or disposition of your Loan. LendingTree and its Network
Partners may exchange information about you, your loan terms, and your accounts
for the purpose of providing you with information about financial services and
products. LendingTree may maintain this information to assist with litigation,
regulatory request(s), law enforcement requests, internal analytics, marketing
purposes, and any other legally permissible purpose.

Financial Companies: We may also share information about you with other
Financial Companies with whom we engage in joint marketing efforts, or who offer
financial related products or services that you may be interested in.  These
companies’ privacy and information sharing practices are set forth in their
respective privacy policies.

Other Business Partners: We also may share information about you with other
business partners who offer products and services that we believe you may be
interested in. Their privacy and information sharing practices are set forth in
their respective privacy policies.

LendingTree Service Providers: We may share information with Service Providers
that perform certain services on our behalf including, but not limited to,
credit bureaus, marketing partners, or entities providing business analysis
and/or Website or product support.

Other Situations: We may also disclose information about you or provided by you
at our sole discretion:

 1. In response to a subpoena or similar investigative demand, a court order, a
    request for cooperation from a law enforcement agency, self-regulatory body,
    or other governmental agency; to establish or exercise our legal rights; to
    defend against legal claims; or as we reasonably believe is required by law.
    In such cases, we may raise or waive any legal objection or right available
    to us.
 2. When we believe disclosure is appropriate in order to investigate, prevent,
    or take action regarding actual or suspected illegal activity or other
    wrongdoing; to protect and defend the rights, property, or safety of the
    LendingTree business, our users, our employees, or others; or to enforce our
    Site’s terms and conditions or other agreements or policies.
 3. In connection with a substantial corporate transaction involving the
    LendingTree business, such as a sale of LendingTree or any entity, brand or
    division thereof, a divestiture, merger, consolidation, asset sale, or
    bankruptcy.
 4. In connection with state and/or federal licensing requirements regarding the
    reporting of information contained in the loan inquiries we receive from
    you. You authorize LendingTree to obtain any and all required information
    from the entities with whom you have interacted with in connection with
    LendingTree  in order for LendingTree to comply with current laws and
    regulations as well as with any requests from state or federal regulators.
    This information could include, but is not necessarily limited to, the loan
    you selected and the terms of the loan you selected.
 5. We may share information with third parties that is not personally
    identifying, such as aggregated or anonymized data, in our discretion, where
    not prohibited by law.

Cookies and Do Not Track

 1. We may use cookies and other technologies such as web beacons and pixels to
    collect information about your online activities over time and across
    third-party websites or online services or which may allow a third party to
    track your online activities over time and across different sites when you
    use the Websites.
 2. The Websites may not respond to Do Not Track requests or headers from some
    or all browsers.

Marketing and Communications

 1. Communications: You may adjust your communications preferences through your
    My LendingTree profile. You may also modify your preferences by clicking on
    an unsubscribe link at the bottom of certain emails sent from LendingTree.
 2. Advertising on third party sites: We may use third-party tracking
    technology. This technology allows targeted advertisements to you from
    LendingTree businesses. Please review the “Online Tracking and Opt-Out
    Guide” section of this Policy below for a detailed list of choices on how to
    opt out of ad targeting.

Updating and Accessing Your Information

The appropriate method(s) for accessing your information, if any, will depend on
which Site or Services you have used. Depending on the respective Site or
Service, you may have the ability to view or edit some of your information
online using the respective Site or Service’s interface. If you have submitted a
loan request through us, you can update your information by contacting our
Customer Care Department at customercare@lendingtree.com. Our address is 1415
Vantage Park Drive, Suite 700, Charlotte, NC 28203.

How We Protect Your Information

We maintain physical, electronic, and procedural measures designed to safeguard
your information from unauthorized access and disclosure. No system can be
completely secure. Therefore, although we take steps to secure your information,
we cannot guarantee that your information, searches, or other communication will
always remain secure.

Changes to this Privacy Policy

LendingTree has the discretion to update this privacy policy at any time. When
we do, we will revise the date at the top of this page. We encourage you to
frequently check this page for any changes to stay informed about how we are
helping to protect the information we collect. You acknowledge and agree that it
is your responsibility to review this privacy policy periodically and become
aware of modifications.

Visiting our Websites From Outside the United States

The Site is designed to provide services in the United States and is governed by
the laws of the United States. We make no representation that the Sites are
governed by or operated in accordance with the laws of any other nation.

Compliance with Children’s Online Privacy Protection Rule

Our Services are not intended for individuals under 18 years of age, and we do
not knowingly collect personal information from individuals under 18. If we
learn we have collected or received personal information from a person under 18
without verification of parental consent, we will delete the information.

LendingTree ChatBot Disclosure

Our LendingTree chat bot is enabled by Microsoft Bot Framework. The Microsoft
Bot Framework is a set of web-services that enable intelligent services and
connections using conversation channels you authorize. As a service provider,
Microsoft will transmit content you provide to our bot/service in order to
enable the service. For more information about Microsoft privacy policies please
see their privacy statement here: http://go.microsoft.com/fwlink/?LinkId=521839.
In addition, your interactions with this bot/service are also subject to the
conversational channel’s applicable terms of use, privacy and data collection
policies. To report abuse when using a bot that uses the Microsoft Bot
Framework, please visit the Microsoft Bot Framework website
at https://www.botframework.com and use the “Report Abuse” link in the menu to
contact Microsoft.

Online Tracking Opt-Out Guide

Like many companies online, we use services provided by Google, Facebook and
other companies that use tracking technology. These services rely on tracking
technologies – such as cookies and web beacons – to collect directly from your
device information about your browsing activities, your interactions with
websites, and the device you are using to connect to the Internet. There are a
number of ways to opt out of having your online activity and device data
collected through these services, which we have summarized below:

Blocking cookies in your browser.  Most browsers let you remove or reject
cookies, including cookies used for interest-based advertising.  To do this,
follow the instructions in your browser settings.  Many browsers accept cookies
by default until you change your settings.  For more information about cookies,
including how to see what cookies have been set on your device and how to manage
and delete them, visit https://allaboutcookies.org/ .

Blocking advertising ID use in your mobile settings.  Your mobile device
settings may provide functionality to limit use of the advertising ID associated
with your mobile device for interest-based advertising purposes.

Using privacy plug-ins or browsers.  You can block our websites from setting
cookies used for interest-based ads by using a browser with privacy features,
like Brave, or installing browser plugins like Privacy Badger, Ghostery or
uBlock Origin, and configuring them to block third-party cookies/trackers.

Platform opt-outs.  The following advertising partners offer opt-out features
that let you opt-out of use of your information for interest-based advertising:

Google: https://adssettings.google.com

Facebook: https://www.facebook.com/about/ads

Twitter: https://twitter.com/personalization

Tik
Tok: https://ads.tiktok.com/marketing_api/docs?rid=pywkyi6r9g&id=1688307494867970

Advertising industry opt-out tools.  You can also use these opt-out options to
limit use of your information for interest-based advertising by participating
companies:

Digital Advertising Alliance: https://optout.aboutads.info/?c=2&lang=EN

Network Advertising Initiative: http://optout.networkadvertising.org/?c=1

Note that because these opt-out mechanisms are specific to the device or browser
on which they are exercised, you will need to opt out on every browser and
device that you use.

How to Contact Us If you have any questions about this privacy policy, the
practices of any LendingTree Business, or your dealings with a LendingTree
Business, please contact us at:

Compliance Officer
LendingTree, LLC
1415 Vantage Park Drive
Suite 700
Charlotte, NC 28203

or

privacy@lendingtree.com or at 1-888-272-1355

NOTICE TO CALIFORNIA RESIDENTS

We are required by the California Consumer Privacy Act of 2018 (“CCPA”) to
provide this CCPA Notice to California residents to explain how we collect, use
and share their personal Information, and the rights and choices we offer
California residents regarding our handling of their personal information.

CCPA Scope and Exclusions

This CCPA Notice, including the description of our Privacy Practices and
your Privacy Rights, apply only to California residents whose interactions with
us are limited to:

 1. Visiting our consumer websites,
 2. Signing up for email alerts,
 3. Commenting on or contributing to our blogs,
 4. Establishing an account that does not include financial products or
    services, or
 5. Applying for our job openings on our websites  (however, note that the CCPA
    limits some of the privacy rights for job applicants). 

This CCPA Notice does not apply to the personal information we collect, use or
disclose about:

 1. Consumers who initiate or complete the process of applying for financial
    products or services. This is because this information is subject to the
    federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the
    California Financial Information Privacy Act (“FIPA”), or Representatives of
    businesses that seek to obtain our products or services, or to provide
    products or services to us. For additional information relating to your
    choices about this information specifically, see our Consumer Privacy
    Disclosure.

Privacy Practices

We do not sell personal information.  As we explain in our Privacy Policy:

We use cookies and other tracking technologies to analyze website traffic and
facilitate advertising. If you would like to learn how you may opt out of our
(and our third party advertising partners’) use of cookies and other tracking
technologies, please review the instructions provided in the Online Tracking
Opt-out Guide.

How you interact with us

Personal information collection

CCPA-defined categories

Sources of personal information

Purposes for which we may collect and use the personal information

Sharing

Sign up for email alerts

Interact with our blogs

Establish an account

Name or alias

Email address

Identifiers

Online identifiers

You

Operations

Communications

Research and development

Marketing

Shared with service providers

Made public at your direction

Visit our websites

Receive and respond to marketing emails

Device data

Online activity data

Information derived from device data and online activity data

Identifiers

Inferences

Internet or Network Information

Online identifiers

Automatic collection

Operations

Communications

Marketing

Advertising

Research and development

Collected directly by or shared with our service providers

Collected directly by advertising partners

Apply for our open positions on our website

Contact information

Professional

credentials and skills

Educational and work history

Other resume data you provide

Diversity information you voluntarily provide

Disability information where necessary

Identifiers

Online identifiers

Educational information

Professional or employment information

Protected classification characteristics

You

References

Background check and/or drug testing companies

Employment agencies or recruiters

Facilitate recruitment activities

Process employment applications

Monitoring recruitment statistics

Shared with service providers

Collected directly by or shared with background check and drug testing companies

Please note that we may also disclose all personal information as described in
the “Who Do We Share Your Information With?” section of the Privacy Policy.

Privacy Rights

The CCPA grants individuals the following rights:

Information. You can request information about how we have collected, used and
shared your Personal Information during the past 12 months.

Access. You can request a copy of the personal information that we maintain
about you.

Deletion. You can ask us to delete the personal information that we collected or
maintain about you.

Please note that the CCPA limits these rights by, for example, prohibiting us
from providing certain sensitive information in response to an access request
and limiting the circumstances in which we must comply with a deletion request.
We will also respond to requests for information and access only to the extent
we are able to associate with a reasonable effort the information we maintain
with the identifying details you provide in your request. If we deny your
request, we will communicate our decision to you. You are entitled to exercise
the rights described above free from discrimination.

How to Submit a Request

To request access to or deletion of personal information:

Call 1-888-272-1355

Email: privacy@lendingtree.com

Identity verification. The CCPA requires us to verify the identity of the
individual submitting a request to access or delete personal information before
providing a substantive response to the request.  We will ask you to verify your
identity when you submit a request.

Authorized agents. California residents can empower an “authorized agent” to
submit requests on their behalf.  We will require the authorized agent to have a
written authorization confirming that authority.

Notice of Collection of Personal Information. We list the categories of your
information that we collect and the business and commercial purposes for our use
as described in the detailed chart above.



HELPFUL LINKS

Overview
Privacy Policy
Advertising Disclosures
Security Policy
Terms of Use
Licenses & Disclosures
Reviews & UGC Terms of Use
Consent for Electronic Disclosures and Communication
Widgets Terms of Use
Do Not Call
Loan Officer Directory Terms of Use
SMS Terms & Conditions
RateBeat Guarantee Terms & Conditions
Product Privacy Notice
Accessibility Statement




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LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage
Broker, as required by law, with its main office located at 1415 Vantage Park
Drive, Suite 700, Charlotte, NC 28203 (TDD/TTY). NMLS Unique Identifier #1136.
LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree,
LLC in NY. LendingTree technology and processes are patented under U.S. Patent
Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and
5,758,328. © 2016 LendingTree, LLC. All Rights Reserved. This site is directed
at, and made available to, persons in the continental U.S., Alaska and Hawaii
only.

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