Privacy Policy

Effective Date: December 03, 2025

1. Introduction

This Privacy Policy describes how Faith Lending ("we," "us," or "our") collects, uses, and shares your personal information when you use our website, apply for our lending services, or enroll in our communication programs.

2. Information We Collect

We collect information you provide directly to us, including:

• Contact Information: Name, email address, phone number, and mailing address.

• Application Information: Details necessary for loan pre-qualification and application, as provided on our forms.

• Communication Consent Status: Your explicit choice regarding the receipt of promotional text messages.

3. How We Use Your Information

We use the collected information for various business purposes, clearly distinguishing between required and optional communications:

• Service Delivery (Transactional): Processing your application, conducting the required phone screening, and providing essential updates regarding your loan status.

• Optional Marketing Communication: Sending you promotional information and updates, where permitted by law and based on your explicit consent not to opt out during the form submission.

• Compliance: Adhering to legal and regulatory requirements, including A2P SMS carrier guidelines (e.g., proper opt-out management).

4. Communication Consent and Management

By providing your mobile phone number, you agree to two distinct forms of contact:

1. Required Transactional Phone Call: You authorize Faith Lending to contact you via telephone call for the mandatory pre-qualification screening and essential transactional updates. This call is a required part of our service.

2. Optional Promotional Text Messaging (SMS): You will be enrolled to receive recurring automated promotional and marketing text messages (SMS/MMS) unless you explicitly opt out by checking the designated checkbox on the submission form.

• No Condition of Purchase: Consent to receive text messages is not a condition of purchasing any goods or services from Faith Lending.

• Opt-Out of SMS: You can cancel the promotional SMS service at any time. Text STOP to our number. You will receive a single text message confirmation of your opt-out. Opting out of SMS messages does not revoke consent for the required transactional phone call.

• Message and Data Rates: Message and data rates may apply.

• No Sharing: We will not share or sell your mobile number to third parties for their marketing purposes.

5. Data Sharing and Disclosure

We may share your information with:

• Our Team: Internal staff members who need the information to process your application and provide customer service.

• Service Providers: Third-party vendors who perform services on our behalf (like SMS automation) and are contractually obligated to keep your information confidential.

• Legal Compliance: When required by law, subpoena, or other legal processes.

6. Your Choices

• Opt-Out of Promotional SMS: Text STOP to discontinue promotional text messages, or use the checkbox on our forms.

• Opt-Out of Email: Click the "Unsubscribe" link in any promotional email we send you.

7. Contact Us

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

• Email: [email protected]

• Phone: +1 908-468-4561

• Address: 1435 Morris Avenue, Union New Jersey 07083