Privacy Policy

Welcome to the website (the “Site”) of Private Money Lenders, LLC and its subsidiaries (collectively referred to as “PML,” “Company,” “we,” “us,” and “our”). This Privacy Policy describes how we collect, use, and share your personal information when you visit our Site or use our real estate lending and investing services, mobile applications, and related services (together, the “Services”).

By using the Site or Services, you consent to the data practices set forth in this Privacy Policy.

1. Information We Collect

When you interact with our Services, we may collect, use, sell, or share your Personal Information—defined as data that identifies, relates to, describes, or could reasonably be linked to you or your household.

Personal Information does NOT include:

• Publicly available data from federal, state, or local records.
• De-identified or aggregate consumer information.

A. Personal Information You Provide

We collect Personal Information when you voluntarily provide it, including but not limited to:
✅ Loan Application Data – When you submit an online loan application, we collect financial information, employment details, real estate investment history, and other details necessary to evaluate your eligibility for a loan.
✅ Contact Information – When you sign up for Services, request information, or contact us, we may collect your name, email, phone number, and address.
✅ Payment & Financial Data – If you engage in a financial transaction with us, we collect billing and payment information as necessary.
✅ Communication Data – If you communicate with us via email, phone, or text, we retain those communications for business and compliance purposes.

B. Non-Identifiable & Technical Data

We automatically collect certain information when you use our Site, including:

• IP addresses, browser type, device information
• Site usage data (e.g., pages viewed, links clicked)
• Cookies & Tracking Technologies (see Cookie Policy below)

2. How We Use Your Information

We use your information for the following purposes:

✅ Loan Evaluation & Processing – To assess your eligibility for a loan, process applications, and conduct underwriting.
✅ Customer Support – To respond to inquiries and provide service updates.
✅ Marketing & Promotions – To send loan offers, interest rate updates, and financing opportunities via email and SMS (you can opt out at any time).
✅ Legal & Compliance – To comply with regulatory requirements, fraud prevention, and contractual obligations.
✅ Site Improvement & Analytics – To monitor website performance and enhance user experience.

3. SMS & Email Communications

We may send transactional and marketing messages via email and SMS.

📌 By providing your phone number, you consent to receive SMS messages from PML regarding loan opportunities, financing options, and follow-ups. Message frequency may vary. Standard message and data rates may apply.

How to Opt Out

• Emails – Click "Unsubscribe" in any marketing email.
• SMS Messages – Reply STOP, QUIT, CANCEL, OPT-OUT, or UNSUBSCRIBE to any text message.

For details, see our Mobile Messaging Terms and Conditions.

4. Sharing & Disclosure of Information

We do not sell your personal information but may share it in certain cases:

✅ With Related Companies & Affiliates – To provide Services efficiently.
✅ With Third-Party Service Providers – To process payments, manage applications, and perform analytics.
✅ For Legal & Compliance Reasons – If required by law, subpoena, or to protect our rights.
✅ In Business Transfers – If PML is involved in a merger, acquisition, or sale of assets, your data may be transferred.

We use Constant Contact for email and text communications. See Constant Contact’s Privacy Policy for details.

5. Cookies & Tracking Policy

We use cookies and similar technologies to:

• Authenticate users
• Enhance security
• Improve user experience
• Conduct marketing & analytics

To manage cookie settings, adjust your browser preferences.

6. Security Measures

We take reasonable steps to protect your data from unauthorized access, loss, or misuse. However, no method is 100% secure, and we cannot guarantee absolute security.

7. Your Rights & Choices

📌 California Residents – You may have additional rights under CCPA. See Your California Privacy Rights.
📌 Access & Update – Contact us to correct or delete your information.

8. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. Updates will be posted on this page with the “Last Updated” date.

9. Contact Us

If you have questions about this Privacy Policy, please contact us:

📧 Email: privacy@privatemoni.com
📞 Phone: 310-651-8000
📍 Address: 8888 W Olympic Blvd, Ste 200, Beverly Hills, CA 90211