Lighthouse Lending - Privacy Policy

Welcome to Lighthouse Lending! Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website, mobile services, and any related campaigns or features.

Information We Collect

We may collect the following types of information:
Personal Information

• Name
• Phone number (for SMS campaigns)
• Email address
• Any information provided during SMS campaign opt-ins, surveys, or account creation.

Non-Personal Information

• Device type
• IP address
• Message interaction data (e.g., open rates, link clicks).

Use of Information for SMS Campaigns

For SMS and messaging campaigns, we collect and use your information to:

• Send transactional messages (e.g., confirmations, updates).
• Deliver promotional or marketing messages with your explicit consent.
• Provide customer service and respond to your inquiries.
• Monitor compliance with messaging regulations and prevent fraud.

We ensure compliance with the TCPA, CTIA, and TCR standards by requiring opt-in consent for all promotional SMS campaigns and honoring opt-out requests promptly. SMS opt-in information and phone numbers collected specifically for SMS purposes are NOT shared with third parties under any circumstances.

The privacy policy on the Lighthouse Lending website ensures that all SMS opt-in information and phone numbers collected for SMS purposes are clearly stated as not being shared with third parties under any circumstances. This is crucial for maintaining customer trust and compliance with regulatory requirements.

It is imperative to emphasize that even if a customer provides explicit consent to share their information, such practices are strictly prohibited under the RingCentral SMS/MMS content policies. This means that regardless of customer permissions, the integrity of their personal data must be upheld, and no information should be disclosed to third parties. The RingCentral SMS/MMS content policies can be found in detail at the following link: https://www.ringcentral.com/legal/sms-mms-content-policies.html

Opt-In and Opt-Out Mechanisms

We comply with TCR and messaging guidelines by providing clear options for opting in and out of SMS communications:

• Opt-In: You will only receive SMS messages if you explicitly consent by submitting your phone number through an approved channel (e.g., website forms, text responses).
• Opt-Out: To stop receiving messages, reply with keywords such as “STOP,” “END,” or “UNSUBSCRIBE.” We will process your request immediately and ensure no further messages are sent.

Sharing of Information

We do not sell or rent your personal information. We may share information with:

• Messaging service providers for delivering SMS campaigns.
• Regulatory authorities, if required for compliance with TCR or legal obligations.
• Trusted partners involved in campaign fulfillment or customer support.

All third-party providers must adhere to strict data protection and TCR compliance standards.

Data Security

We implement strong security measures to protect your personal data, including information collected for SMS campaigns. These include:

• Encryption of sensitive data.
• Restricted access to personal information.
• Regular audits of compliance with TCR and messaging standards.

Your Rights

As part of our commitment to compliance with TCR and data protection laws, you have the right to:

• Access, update, or delete your personal information.
• Withdraw consent for SMS campaigns at any time.
• Lodge a complaint with regulatory authorities if you believe your data has been misused.

To exercise these rights, contact us at [Insert Contact Email].

Updates to This Policy

We may update this Privacy Policy to reflect changes in TCR guidelines, privacy laws, or our practices. Changes will be posted on this page with an updated effective date.

Your Acceptance Of These Terms

By using this site, or by submitting personal information to us, you signify your agreement to Lighthouse Lending’s Privacy Policy. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of www.lighthouselending.ca following the posting of changes to these terms will be deemed as your acceptance of those changes.

The foregoing policies are in effect as of July 30th, 2020. Lighthouse Lending reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

If you have any further questions or concerns, please contact:

Matthew Bingley

18075 Leslie St, Unit #206,
Newmarket, ON, L3Y 9A4
info@lighthouselending.ca
Phone: 1-888-831-4817