Privacy Policy

1. Introduction

AIRE Lending ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services. Please read this privacy policy carefully. By using our services, you consent to the data practices described in this policy.

2. Information We Collect

2.1 Information You Provide

We collect information you voluntarily provide when you:

• Complete our pre-qualification forms
• Submit a loan application
• Interact with our AI chatbot
• Sign up for email communications
• Contact us directly

This information may include:

• Name, email address, and phone number
• Business entity information (LLC name, EIN)
• Property addresses and deal details
• Credit score range (self-reported)
• Real estate investment experience
• Financial information relevant to loan qualification
• Documents you upload (identification, financial statements, etc.)

2.2 Information Collected Automatically

When you access our website, we may automatically collect certain information, including:

• IP address and approximate geographic location
• Browser type, version, and operating system
• Pages visited, time spent on pages, and navigation patterns
• Referring website or advertisement
• Device type and screen resolution
• UTM parameters and campaign attribution data

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Essential cookies: Enable core website functionality such as form submissions and session management
• Analytics cookies: Help us understand how visitors interact with our website (Google Analytics 4)
• Advertising cookies: Enable targeted advertising and conversion tracking (Meta Pixel, Google Ads)
• Performance cookies: Monitor website performance and identify issues

You can control cookies through your browser settings. Disabling certain cookies may limit your ability to use some features of our website.

4. How We Use Your Information

We use the information we collect to:

• Process your pre-qualification and loan applications
• Match you with appropriate loan programs
• Generate term sheet estimates and rate quotes
• Communicate with you about your application and our services
• Send transactional emails (application status, term sheets)
• Send marketing communications (with your consent)
• Improve our website, services, and user experience
• Analyze usage patterns and optimize our marketing campaigns
• Prevent fraud and ensure security
• Comply with legal obligations

5. How We Share Your Information

We may share your information with:

• Lending Operations: When you apply for a loan, we share relevant application information with our underwriting team and affiliated lending institutions as necessary to process your loan.
• Service Providers: We use third-party service providers for hosting, email delivery, analytics, and other operational needs. These providers are contractually obligated to protect your information.
• Analytics Providers: We share anonymized or aggregated data with analytics providers (Google Analytics, Meta) to improve our services and advertising.
• Legal Requirements: We may disclose information when required by law, regulation, or legal process, or to protect the rights, property, or safety of AIRE Lending, our users, or others.

We do not sell your personal information to third parties for their marketing purposes.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit (TLS/SSL), secure cloud hosting, access controls, and regular security assessments. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Pre-qualification data is retained for up to 24 months. Full application data may be retained longer as required by lending regulations and business needs.

8. Your Rights

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Portability: Request a copy of your data in a portable format
• Opt-out: Unsubscribe from marketing communications at any time
• Restriction: Request that we restrict processing of your information in certain circumstances

To exercise any of these rights, contact us at info@airelending.com. We will respond to your request within 30 days.

9. California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your personal information, and the right to opt out of the sale of your personal information. We do not sell personal information as defined by the CCPA.

10. European Residents (GDPR)

If you are located in the European Economic Area (EEA), we process your personal data based on the following legal bases: (a) your consent, (b) performance of a contract, (c) compliance with legal obligations, or (d) our legitimate business interests. You have the right to withdraw consent at any time, lodge a complaint with a supervisory authority, and exercise additional rights as outlined in Section 8.

11. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically. Your continued use of our Services after any changes constitutes acceptance of the updated policy.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at info@airelending.com.