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Privacy Policy

Last updated: January 21, 2026

Table of Contents

  • 1. Introduction
  • 2. Information We Collect
  • 3. How We Use Your Information
  • 4. Information Sharing
  • 5. Data Storage & Security
  • 6. Your Rights
  • 7. Cookies & Tracking
  • 8. Third-Party Services
  • 9. Children's Privacy
  • 10. International Data Transfers
  • 11. Changes to This Policy
  • 12. Contact Us

1. Introduction

CX Lending LLC ("we," "us," or "our") operates Lendari (the "Service"), a SaaS platform for SBA 7(a) loan document management. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our Service.

By using Lendari, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with this policy, please do not use the Service.

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when using the Service:

  • Account Information: Name, email address, password, and company name when you create an account
  • Profile Information: Job title, phone number, and profile picture (optional)
  • Payment Information: Credit card details and billing address (processed by Stripe, not stored by us)
  • Deal Information: Business names, borrower information, loan details, and documents you upload
  • Team Information: Team names, member invitations, and role assignments
  • Communications: Messages you send to us via email or support channels

2.2 Information Collected Automatically

We automatically collect certain information when you use the Service:

  • Usage Data: Features used, pages visited, actions taken, time spent
  • Device Information: Browser type, operating system, device type
  • Log Data: IP address, access times, error logs
  • Cookies: Session identifiers and preferences (see Section 7)

2.3 Information from Third Parties

We may receive information from third parties:

  • OAuth Providers: If you sign in with Google, we receive your name, email, and profile picture
  • Payment Processor: Stripe provides us with payment status and subscription details
  • Team Members: If someone invites you to a team, we receive your email address

3. How We Use Your Information

We use your information for the following purposes:

Purpose Legal Basis
Provide and maintain the Service Contract performance
Process payments and subscriptions Contract performance
Send transactional emails (receipts, password resets) Contract performance
Provide customer support Contract performance
Send product updates and announcements Legitimate interest
Improve and optimize the Service Legitimate interest
Detect and prevent fraud or abuse Legitimate interest
Comply with legal obligations Legal obligation

4. Information Sharing

We do not sell your personal information. We share your information only in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who help us operate the Service:

  • Supabase: Database hosting and authentication
  • Stripe: Payment processing
  • SendGrid: Transactional email delivery
  • Vercel: Web hosting and deployment
  • Cloudflare: Content delivery and security

These providers are contractually obligated to protect your information and use it only for the services they provide to us.

4.2 Team Members

If you use team features, certain information is shared with your team:

  • Your name, email, and role within the team
  • Deals and documents you create for the team
  • Activity related to team deals

4.3 Legal Requirements

We may disclose your information if required by law or in response to valid legal requests (subpoenas, court orders, government demands).

4.4 Business Transfers

If CX Lending LLC is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

5. Data Storage & Security

5.1 Data Location

Your data is stored on servers located in the United States. By using the Service, you consent to the transfer of your data to the United States.

5.2 Security Measures

We implement industry-standard security measures to protect your data:

  • Encryption in transit (TLS/HTTPS)
  • Encryption at rest for sensitive data
  • Secure password hashing (bcrypt)
  • Regular security audits and updates
  • Access controls and authentication
  • Row Level Security (RLS) for database isolation

5.3 Data Retention

We retain your data for as long as your account is active or as needed to provide the Service. Specifically:

  • Account Data: Retained until you delete your account
  • Deal Data: Retained for 30 days after subscription ends, then deleted
  • Deleted Deals: Soft-deleted items are purged after 30 days
  • Billing Records: Retained for 7 years for tax compliance
  • Security Logs: Retained for 90 days

6. Your Rights

You have the following rights regarding your personal information:

6.1 Access

You can access most of your personal information directly in the Service through your account settings and deal records.

6.2 Correction

You can update your account information at any time through your account settings.

6.3 Deletion

You can request deletion of your account and associated data by contacting us at admin@lendari.io. Note that some information may be retained for legal compliance.

6.4 Data Export

You can export your deal data at any time using the export features in the Service.

6.5 Opt-Out

You can opt out of marketing communications by clicking "unsubscribe" in any marketing email or by updating your notification preferences.

6.6 California Residents

California residents have additional rights under the CCPA, including the right to know what personal information we collect and the right to request deletion. We do not sell personal information.

7. Cookies & Tracking

7.1 Cookies We Use

We use cookies and similar technologies for the following purposes:

  • Essential Cookies: Required for authentication and core functionality
  • Preference Cookies: Remember your settings (theme, view preferences)
  • Analytics Cookies: Help us understand how users interact with the Service

7.2 Managing Cookies

Most browsers allow you to control cookies through settings. Note that disabling essential cookies may prevent you from using the Service.

7.3 Do Not Track

We do not currently respond to "Do Not Track" browser signals, as there is no industry standard for this feature.

8. Third-Party Services

The Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

Our key third-party service providers and their privacy policies:

  • Supabase Privacy Policy
  • Stripe Privacy Policy
  • SendGrid Privacy Policy
  • Vercel Privacy Policy

9. Children's Privacy

The Service is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

10. International Data Transfers

If you are accessing the Service from outside the United States, your data will be transferred to and processed in the United States. By using the Service, you consent to this transfer.

We ensure appropriate safeguards are in place for international transfers in compliance with applicable data protection laws.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

  • Posting the updated policy on this page
  • Updating the "Last updated" date
  • Sending an email notification for significant changes

Your continued use of the Service after changes become effective constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

  • Email: admin@lendari.io
  • Mailing Address: CX Lending LLC, 11007 King George Lane, Waxhaw, NC 28173

We will respond to privacy-related inquiries within 30 days.

This Privacy Policy was last updated on January 21, 2026. Previous versions are available upon request.

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