Privacy Policy

1. Introduction

EZIO Lending LLC ("EZIO Lending," "we," "our," or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website, submit a loan scenario, or otherwise interact with us.

By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our website or services.

2. Information We Collect

We may collect the following types of information:

• Personal Identification Information: Name, email address, phone number, mailing address, and other contact details you voluntarily provide when submitting a scenario or contacting us.
• Financial Information: Loan scenario details, property information, and income documentation you submit in connection with a mortgage inquiry. This information is used solely to evaluate and respond to your inquiry.
• Usage Data: Information your browser sends automatically, including IP address, browser type and version, pages visited, time and date of visit, time spent on pages, and other diagnostic data.
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to track activity on our website and hold certain information to improve your experience.

3. How We Use Your Information

EZIO Lending uses the information we collect for the following purposes:

• To review and respond to loan scenario submissions and general inquiries.
• To communicate with you regarding your inquiry, including follow-up and status updates.
• To improve, operate, and maintain our website and services.
• To comply with applicable laws, regulations, and legal processes.
• To detect, prevent, and address technical issues, fraud, or security breaches.
• To send you informational communications related to our programs, with your consent where required by law.

We do not sell your personal information. We do not use your personal data for automated decision-making or profiling.

4. Sharing of Information

We may share your information with trusted third parties only in the following limited circumstances:

• Service Providers: Third-party vendors who assist us in operating our website, conducting our business, or servicing you, provided those parties agree to keep this information confidential.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not share, sell, rent, or trade your personal information with third parties for their promotional purposes.

5. Data Security

We implement industry-standard administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. You acknowledge that you provide your information at your own risk.

6. Cookies

Our website uses "cookies" — small data files stored on your device — to enhance your browsing experience and analyze site traffic. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, some portions of our website may not function properly.

Types of cookies we use include essential cookies (required for site operation), analytical/performance cookies (to understand how visitors interact with our site), and functionality cookies (to remember your preferences).

7. Third-Party Links

Our website may contain links to third-party websites. These sites have their own privacy policies and we have no responsibility or liability for their content or activities. We encourage you to review the privacy policies of any third-party sites you visit.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and believe your child has provided us with personal information, please contact us so we can delete that information.

9. Your Rights and Choices

Depending on your location, you may have the following rights regarding your personal information:

• Access: The right to request a copy of the personal information we hold about you.
• Correction: The right to request correction of inaccurate or incomplete information.
• Deletion: The right to request deletion of your personal information, subject to certain legal exceptions.
• Opt-Out: The right to opt out of marketing communications at any time by contacting us or using the unsubscribe link in our emails.

To exercise any of these rights, please contact us at the information provided below.

10. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. As stated above, EZIO Lending does not sell personal information.

To submit a CCPA request, please contact us at info@eziolending.com.

11. Changes to This Privacy Policy

We reserve the right to update or change this Privacy Policy at any time. Any changes will be posted on this page with an updated effective date. We encourage you to review this Privacy Policy periodically. Your continued use of our website following the posting of changes constitutes acceptance of those changes.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: