Privacy Policy

1. Introduction

First Light Lending ("we," "us," "our," or "the Company") is a referral service, not a lender. We operate the website firstlightenlending.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our Site and services.

By accessing or using our Site, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with this policy, please do not use our Site.

2. Information We Collect

2.1 Information You Provide

When you submit a request on our Site, we may collect the following personal information:

Full name (first and last)
Email address
Phone number
Date of birth (to verify you are at least 18 years old)
Residential address (street, city, state, ZIP code)
Employment status and monthly income
Residence type and self-reported credit rating
Requested loan amount
Consent records (E-SIGN, credit authorization, marketing)

2.2 Information Collected Automatically

We may also automatically collect certain non-personal and technical information, including:

IP address
Browser type and version
Device information
Pages visited and time spent on pages
Referring website URLs
Geographic location (approximate, based on IP)

3. How We Use Your Information

We use the information we collect for the following purposes:

To process your loan request and connect you with lenders and lending partners in our network
To verify your identity and confirm you meet minimum eligibility requirements
To facilitate communications between you and potential lenders
To respond to your inquiries and provide customer support
To comply with applicable legal and regulatory requirements
To detect, prevent, and address fraud and security issues
To send marketing communications if you have provided consent (you may opt out at any time)
To improve our Site, services, and user experience

4. How We Share Your Information

First Light Lending is a referral service, not a lender. The primary purpose of collecting your information is to share it with lenders and lending partners in our network who may be able to offer you a loan.

4.1 Lenders and Lending Partners

We share the information you provide with lenders and lending partners in our network so they can evaluate your request and potentially make you a loan offer. These lenders may obtain your credit report from consumer reporting agencies as part of their evaluation process.

4.2 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as hosting, analytics, data processing, and marketing. These providers are contractually obligated to protect your information and may only use it for the purposes for which it was shared.

4.3 Legal Compliance

We may disclose your information if required to do so by law or in response to valid requests by public authorities, including law enforcement, regulatory agencies, or court orders.

4.4 Business Transfers

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change via email or a notice on our Site.

5. E-SIGN Consent

By submitting a request on our Site, you consent to receive all communications, notices, agreements, and disclosures from us and our lending partners electronically. This includes the Privacy Policy, Terms of Use, Credit Authorization, and any loan-related documents. You must have access to a computer and the ability to open, print, and save electronic documents. You may withdraw your E-SIGN consent at any time by contacting us at [email protected].

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. We may retain certain information after account closure as required by law or for legitimate business purposes.

7. Data Security

We implement industry-standard security measures to protect your personal information, including encryption in transit (TLS/SSL) and at rest. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Your Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

Access: You may request a copy of the personal information we hold about you.
Correction: You may request that we correct inaccurate or incomplete information.
Deletion: You may request that we delete your personal information, subject to legal exceptions.
Opt-Out: You may opt out of marketing communications at any time.
Do Not Sell: Under the CCPA, you may request that we not sell your personal information. See our CCPA / Do Not Sell page for more information.

To exercise any of these rights, contact us at [email protected] or (800) 552-5189.

9. Children's Privacy

Our Site is not intended for individuals under 18 years of age. We do not knowingly collect personal information from anyone under 18. If you believe we have collected information from a minor, please contact us so we can delete it.

10. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the updated policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically.

12. Contact Us

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

Email: [email protected]
Phone: (800) 552-5189
Address: 100 Congress Ave, Suite 2200, Austin, TX 78701