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Privacy Policy

How we collect, use, and protect your information

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Effective Date: February 18, 2026

Last Updated: February 18, 2026

Version: 1.0

1. Introduction

CX Lending LLC d/b/a Lords of Lending ("we", "us", "our") operates the Lords of Lending training platform at learn.lordsoflending.com. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. We are committed to protecting your privacy and handling your data with transparency and care.

2. Information We Collect

Account Information

Email address, name (from OAuth profile or provided at signup), authentication provider used (Google, Microsoft, or email/password).

Training & Usage Data

Course progress, quiz scores, time spent on lessons, certificates earned, module completion status.

Payment Information

Payment processing is handled entirely by Stripe, Inc. We do NOT store credit card numbers, CVV codes, or full payment card data on our servers. We retain only: Stripe customer ID, subscription status, billing period dates, and transaction history for invoicing.

Technical Data

Browser type and version, device information, IP address (at time of consent), pages visited, access timestamps, referring URLs.

Communications Data

If you opt in to marketing communications, we record your consent with timestamp and version for compliance.

3. How We Use Your Information

  • Provide, operate, and maintain the training platform
  • Process your subscription and payments
  • Track your training progress and issue certificates
  • Send transactional emails (account confirmation, password reset, billing receipts)
  • Send marketing communications (only with your explicit opt-in consent)
  • Improve our Service through aggregate, anonymized usage analytics
  • Detect, prevent, and address security issues
  • Comply with legal obligations

4. Information Sharing & Disclosure

We do NOT sell, rent, or trade your personal information to third parties. Period.

We share information only with the following service providers who assist in operating our platform:

Provider Purpose Data Shared
Supabase, Inc. Authentication, database hosting Account data, training progress
Stripe, Inc. Payment processing Email, payment method (directly to Stripe)
Google LLC OAuth authentication (if used) Email, profile name (from Google)
Microsoft Corp. OAuth authentication (if used) Email, profile name (from Microsoft)
GitHub/Netlify Static site hosting Access logs (IP, browser)

We may also disclose information if required by law, court order, or governmental authority, or if necessary to protect the rights, property, or safety of CX Lending LLC, our users, or the public.

5. Data Storage & Security

Your data is stored on Supabase infrastructure, which provides:

  • Encryption at rest (AES-256) and in transit (TLS 1.2+)
  • SOC2 Type II certified infrastructure
  • Row Level Security (RLS) ensuring users can only access their own data
  • Regular automated backups
  • Access controls and audit logging

We implement additional security measures including:

  • Parameterized database queries to prevent SQL injection
  • Input sanitization and output encoding to prevent XSS
  • Secure session management via Supabase Auth
  • No storage of passwords in plaintext (bcrypt hashing by Supabase)

6. Data Retention

  • Active account data: Retained for as long as your account is active
  • Deleted accounts: Personal data is purged within 30 days of account deletion. Training progress records are anonymized.
  • Billing records: Retained for 7 years after the last transaction as required by US tax law
  • Consent records: Retained indefinitely for audit compliance
  • Server logs: Retained for 90 days, then automatically purged

7. Your Rights

You have the right to:

  • Access your personal data -- view your profile, training progress, and consent records in Settings
  • Correct inaccuracies -- update your profile information at any time
  • Delete your account -- self-service account deletion is available in Settings, or contact us
  • Export your data -- request a copy of your data by contacting us
  • Opt out of marketing communications -- unsubscribe at any time via Settings or the unsubscribe link in any marketing email
  • Revoke consent -- withdraw your consent for data processing (note: this may require account deletion as core data processing is necessary to provide the Service)

To exercise any of these rights, contact us at support@lordsoflending.com or use the self-service options in your account Settings.

8. Cookies & Local Storage

We use minimal browser storage:

  • localStorage: Theme preference (light/dark), session tokens for authentication
  • sessionStorage: Temporary navigation state, return URLs after login

We do NOT use:

  • Third-party tracking cookies
  • Advertising cookies or pixels
  • Cross-site tracking technologies

Supabase Auth uses secure HTTP-only tokens for session management.

9. Children's Privacy

The Lords of Lending training platform is designed for financial industry professionals and is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child under 18, we will promptly delete that information.

10. International Users

The Service is operated from the United States. If you access the Service from outside the US, your information will be transferred to and processed in the United States. By using the Service, you consent to this transfer. We process data in accordance with applicable US federal and state privacy laws.

11. California Privacy Rights (CCPA)

If you are a California resident, you have the right to:

  • Know what personal information we collect and how it is used
  • Delete your personal information (subject to exceptions)
  • Opt-out of sale -- We do NOT sell personal information, so this right is automatically satisfied
  • Non-discrimination -- We will not discriminate against you for exercising your privacy rights

To submit a verifiable consumer request, contact us at support@lordsoflending.com.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

  • Posting the updated policy on this page with a new "Last Updated" date
  • Sending an email notification to the address associated with your account
  • Requiring re-acceptance of the updated policy upon your next login

Your continued use of the Service after changes constitutes acceptance of the updated Privacy Policy.

13. Contact Information

If you have questions or concerns about this Privacy Policy or our data practices:

  • Email: support@lordsoflending.com
  • Phone: (805) 244-5032
  • Mailing Address: CX Lending LLC d/b/a Lords of Lending, 3001 Wrightsville Ave., Suite A, Wilmington, NC 28403
  • Entity: CX Lending LLC d/b/a Lords of Lending
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