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Privacy Policy

This privacy policy discloses the privacy practices for Lendoc.com. This privacy policy applies solely to information collected by this web site. It may notify you of the following:

1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
2. What choices are available to you regarding the use of your data.
3. The security procedures in place to protect the misuse of your information.
4. How you can correct any inaccuracies in the information.

INFORMATION COLLECTION, USE, AND SHARING:
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. run your credit, approve you for a loan, etc.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, additional information on our current products and services, or changes to this privacy policy.

YOUR ACCESS TO AND CONTROL OVER INFORMATION:
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via email at: support@lendoc.com.

• See what data we have about you, if any. 
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.

REGISTRATION:
In order to use this website, a user must first complete the registration or contact us form. During registration a user is required to give certain information (such as full name, phone number, and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. At your option, you may also provide demographic information (such as gender, age, location) about yourself, but it is not required.

COOKIES:
We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

SHARING:
We share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person.

We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

MOUSEFLOW:
This website uses Mouseflow, a web analytics service provided by Mouseflow ApS, Flæsketorvet 68, 1711 Copenhagen, Denmark. Mouseflow tracks visits to the site by recording mouse movements, clicks, and form submissions. This helps us identify potential ways to improve the site. The information collected is not personally identifiable and is not disclosed to third parties. If you prefer your visit not to be tracked, you can opt out of Mouseflow on all websites that use it by following this link: www.mouseflow.com/opt-out/

SERVICE-RELATED ANNOUNCEMENTS:
We will send you service-related announcements when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an e-mail.

Generally, you may not opt out of these communications, which are not promotional in nature. If you do not wish to receive them, please send an e-mail to support@lendoc.com and our support staff will process your request.

CUSTOMER TESTIMONIALS:
We post customer testimonials/comments/reviews on our website which may contain personal information. We do obtain the customer’s consent prior to posting the testimonial to post their name along with their testimonial.  If you wish to update or delete your testimonial, you can contact us at support@lendoc.com.

LINKS:
This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

SECURITY:
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

UPDATES:
Our Privacy Policy may change from time to time and all updates will be posted on this page.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via email at support@lendoc.com.

Terms of Use

Lendoc.com may make use of certain exclusive financial partnerships and Lendoc.com may be compensated if consumers choose to accept the terms and conditions of a loan agreement.

Lendoc.com and its subsidiaries, affiliates, officers, and/or employees provide the information and materials on this Site to our visitors, and are subject to the Terms and Conditions. Lendoc.com has the right to revise the Terms and Conditions at any time by updating the information posted at this webpage, and such revisions will be binding upon all visitors to the Site. Thus, we recommend that you visit the Terms and Conditions webpage each time you visit Lendoc.com.

All of the content within the Site is made available only for your personal and lawful use in connection with seeking to obtain a business loan. Use of the Site by a competitor company or other non-consumer third party is strictly prohibited.

All of the information within this Site, including without limitation the Lendoc.com logo and other Lendoc.com trademarks and service marks, is the property of Lendoc.com and/or its affiliates or its licensors. Lendoc.com makes no proprietary claim to any third party names, trademarks or service marks appearing on the Site. Any third party names, trademarks and service marks are the properties of their respective owners.

Except as expressly provided by law, you may not, without the prior written permission of Lendoc.com, post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything contained on the Site.

While Lendoc.com is committed to maintaining the most up-to-date information on the Site, Lendoc.com is nevertheless not responsible for information that changes with or without notice to Lendoc.com. Furthermore, Lendoc.com is not responsible for and disclaims any and all liability related to any dealings between its visitors and partners. Lendoc.com will not be involved in any disputes between any of its visitors and such partners or their respective affiliates. 

Lendoc.com does not verify nor make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such partner sites. You should read the privacy policies and terms of use agreements of all Third Party Sites.

By posting a message or contributing in any way to the Site, including, but not limited to, sending comments and e-mail to Lendoc.com, you expressly grant Lendoc.com the right to use in any way, copy, or republish such contribution as part of its property.

Lendoc.com and its affiliates, directors, officers, and employees shall not be liable for any loss, damage, injury, claim, nor any special, indirect, incidental, consequential, exemplary, or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise, and even if Lendoc.com and its affiliates, directors, officers or employees has been advised of the possibility of such damages, which arises out of or relates in any way to:

• use of the Site, materials within the Site, or the inability to use the Site;
• any Third Party Site, materials in any Third Party Site, or the inability to use any Third Party Site;
• any defect, omission, error, interruption, delay, or computer virus; or the unauthorized alteration of or access to users’ transmissions or personal data, except as a result of Lendoc.com's gross negligence or intentional action(s).

The information and materials contained in this site, including text, graphics, links, or other items are provided “as is.” Lendoc.com does not warrant the accuracy, adequacy, or completeness of this information and materials and expressly disclaims liability for errors or omissions in the information and materials. No warranty of any kind, implied, expressed, or statutory, including but not limited to, the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given in conjunction with the information and materials.

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that Lendoc.com's total liability (and that of its affiliates, directors, officers and employees) for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.

While Lendoc.com believes the information on the Site to be reliable, Lendoc.com makes no claims or representations about the accuracy, reliability, timeliness, usefulness, or completeness of such information or advice. Each person’s financial situation is unique and you should consult a financial professional prior to acting upon any information contained in this Site. Any reliance by you on any information or advice will be at your own risk.

User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. California law and federal law will govern the interpretation and enforcement of these Terms and Conditions, without giving effect to the principles of conflicts of law. By using the Site, you consent to the jurisdiction of the state and federal courts of Los Angeles, California, U.S.A., for any action or proceeding arising under or relating to these Terms and Conditions or this Site.

If you have any questions, concerns, or need more information, please contact our support team by sending an email to support@lendoc.com.

Disclaimer

Approval is not guaranteed. Approval and approved annual simple interest rate and terms will vary from person to person and may depend on factors such as an individual's personal credit score, personal credit history, revolving debt ratio, business credit, last 3-6 months of income, income stated on personal and business tax returns, and other factors. We may at anytime check and review your credit for the purpose of determining your approval.

The amount of time that it takes to receive an approval will vary from person to person. The time it takes to receive an approval begins once the full application is received and accepted by us. The amount of time that it takes to receive the funds will vary from person to person. The time it take to receive the funds begins once you are fully approved, final loan documents are completed, signed, and accepted, and all necessary documents needed to finalize the loan are received and accepted by us. It could take 5-14 business days to receive the funds after you are approved and all necessary documents to finalize the loan are completed, received, and accepted. In order to fund you, we will need your banking information to wire transfer the funds directly to you.

The pre-approval application is for us to determine if you qualify for our type of financing. We may contact you via email or by phone to ask you additional questions to determine if we can provide our type of financing you. The pre-qualifying application is not the actual loan application and is solely for us to determine if we can possibly provide you financing. We will send you our full application if we decide we can provide you the type of financing we offer. We may at anytime decline to provide you financing for any reason during the pre-qualifying process.

We may need additional information to determine if you get approved and what terms and rate you get approved for. In some cases we may need proof of income with 3-6 months of business and/or personal bank statements, list of assets owned, last 2 years of tax returns, debt schedule, list of equipment you own, and more. 

Our loans are not available in all states. We have the right to refuse business to anyone for any reason at anytime. All loan programs, terms, and interest rates are subject to change without notice. 

Lendoc.com and its affiliates do not provide tax, legal, or accounting advice. The material on our entire website has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. You should consult your own tax, legal, and accounting advisors before engaging in any transaction.

If you have any questions, concerns, or need more information, please contact our support team by sending an email to support@lendoc.com.