Last Updated: February 11, 2026
At Integrity Lending, we value the trust you place in us. This Privacy Policy explains how we collect, use, protect, and share your information when you visit integritylending.net and use our services.
1. Information We Collect
We collect information that identifies, relates to, or could reasonably be linked to you.
Directly from You: Name, SSN, date of birth, income, employment history, and contact details (email, phone, address).
Automatically Collected: IP address, device type, and browsing behavior via cookies.
Third-Party Sources: Credit reports from bureaus (Equifax, Experian, TransUnion) and identity verification services.
2. How User Data is Used
Your data is used strictly for professional lending and business purposes:
To evaluate your eligibility for credit and process loan applications.
To verify your identity and protect against financial fraud.
To service your account and provide customer support.
To comply with state and federal financial regulations (e.g., GLBA, CCPA).
3. Sharing Your Information
We do not sell your personal information to third parties for marketing purposes. However, we may share data with:
Credit Bureaus: To report account information as permitted by law.
Service Providers: Partners who assist in our operations (e.g., payment processors, underwriting software).
Legal Authorities: When required by law, subpoena, or to protect the rights and safety of Integrity Lending and our clients.
4. SMS Opt-In & Messaging
If you provide your mobile number, you may opt-in to receive automated text messages for account updates and reminders.
Consent: Opt-in must be an affirmative action (checking a box). Consent is not a condition of any purchase or loan approval.
Control: You can reply STOP to any message to cancel or HELP for assistance.
Frequency: Message frequency varies based on your application status.
5. Security Measures
We implement industry-standard security protocols, including SSL encryption and secure servers, to protect your sensitive data from unauthorized access or disclosure. While no system is 100% secure, we treat your data with the same level of integrity our name implies.
5. Your Rights and Choices
Depending on your location, you may have the right to:
Request access to the personal data we hold about you.
Request the correction of inaccurate information.
Opt-out of certain data-sharing practices.
6. Cookie & Tracking Practices
We use cookies and similar tracking technologies to improve site performance and security.
Essential Cookies: Required for secure login and application forms.
Analytics: We use tools to understand how visitors move through our site.
Do Not Track: We honor Global Privacy Control (GPC) signals. You can also manage your preferences through our Cookie Settings.
7. Data Security and Handling
We maintain rigorous physical, electronic, and procedural safeguards:
Encryption: All sensitive data is encrypted in transit (TLS 1.3) and at rest (AES-256).
Access Control: Only authorized employees with a "need-to-know" can access your personal information.
Retention: We keep your data only as long as required by federal lending record-keeping laws (typically 7 years post-account closure).
8. User Rights
Depending on your residency, you have the following rights:
Access: Request a copy of the data we hold about you.
Correction: Request updates to inaccurate or incomplete financial data.
Deletion: Request that we delete your data (subject to legal retention requirements).
Opt-Out: The right to opt-out of the sharing of your data for non-essential purposes.
9. Mobile Information Sharing Statement
Important for SMS Users: > Integrity Lending does not sell, rent, or share your mobile number or SMS opt-in data with any third parties or affiliates for marketing or promotional purposes. Your mobile information will only be used to provide the specific services you have requested via text message.
10. Gramm-Leach-Bliley Act (GLBA) Notice
In accordance with federal law, we provide this notice to explain how we handle your "nonpublic personal information" (NPI).
Information Sharing & Opt-Out Rights
We may share your information with non-affiliated third parties only under the following circumstances:
Service Providers: To process your loan, perform credit checks, or service your account.
Joint Marketing: To offer financial products or services to you through a formal agreement with another financial institution.
Legal Requirements: To comply with a subpoena or prevent fraud.
Your Right to Opt-Out: You have the right to prevent us from sharing your NPI with non-affiliated third parties for marketing purposes. To exercise this right, please contact us at 1-760-850-1705.
11. California Consumer Privacy Act (CCPA) – 2026 Update
If you are a California resident, you have specific rights regarding your personal information under the CCPA.
Your Rights
Right to Know: You may request a report of what personal information we have collected, used, and shared since January 1, 2022.
Right to Delete: You may request that we delete your personal information (subject to certain legal exceptions, such as keeping records required for federal lending compliance).
Right to Correct: You have the right to request that we fix inaccurate personal data.
Right to Limit Sensitive Info: You may direct us to only use your "Sensitive Personal Information" (like your SSN or bank account details) for the primary purpose of providing our lending services.
No Dark Patterns: In compliance with 2026 regulations, our consent and opt-out processes are symmetrical and transparent. Closing a pop-up does not constitute consent.
12. "Do Not Sell or Share My Personal Information"
Integrity Lending does not sell your personal information. However, to ensure full compliance with California’s definition of "sharing" for behavioral advertising:
We honor Global Privacy Control (GPC) signals sent by your browser.
You may contact us to opt-out of third-party tracking.
Request Confirmation
Starting in 2026, we provide immediate confirmation once an opt-out request is processed. You will see an "Opt-Out Request Honored" status in your account settings.
13. Contact Us
If you have questions about this policy or how your data is handled, please reach out:
Phone: 1-760-850-1705
Mailing Address: 210 Hawthorne Ave, Athens, GA 30606