If you are a California resident, please see the section on the California Consumer Privacy Act at the end of this document.
Lendgo is a website created in the United States to provide users with services they want in the U.S. We are governed by U.S. law and make no representation that we are governed by, or controlled in accordance with the laws of, any other country.
You must be 18 years old to use our site. We do not knowingly collect, use, or share personal information about minors. If you are under 18 years old, you may only use our site and services in cooperation with a parent or guardian. See our terms of service for more information.
Lendgo may occasionally update this privacy disclosure, at which time we will post the change here. If the change materially affects the use of your personal information, all users will be notified and asked to opt in. If you do not like the change, please decline the change when notified and discontinue using our site.
Like other websites, Lendgo records certain types of information every time a user visits. We collect information that can identify a user. This includes name, address, telephone number, Social Security Number, and Internet Protocol (IP) address.
Lendgo collects financial information to complete the application process, both directly on our site and through our financial partners. Such information includes credit history, credit scores, transaction history, and credit products and payments.
Lendgo may collect demographic information about a user, such as age and ZIP Code. We may also collect data about online activity or receive, for tracking purposes, information from your internet service provider or other third party. We may add this information to your existing account.
From you—From the user/consumer we collect the information the user provides in connection with obtaining financial products and services, such as mortgage loans (name, telephone number, self-assessed property value, and Social Security Number). We collect the contact information you provided for receiving messages, such as your email address. We collect the information you provide when you enter promotions or sweepstakes offered by our site, and when you fill out surveys or other forms hosted on our site or the site of a business partner.
From third parties—We collect information from credit bureaus, lead generators, and any partner that might have access to your financial data. The data we collect from third parties sometimes includes demographic information.
Lendgo uses information to provide personalized service to customers, to communicate with customers about services that may be of interest to them, and to improve overall company performance (customer service, user experience, business management).
Lendgo does not share your personal information with other people or unaffiliated businesses except to provide products and services you have requested or under the following circumstances.
Loan products or service requests—When you request a loan product or service through our website, we will share personal information contained in the request (such as name, address, telephone number, self-assessed property value, and Social Security Number) with lenders in our network solely to fulfil your request. All lenders in our network, which includes banks and mortgage brokers, have entered into marketing agreements with us that comply with federal and state privacy regulations. The lenders may contact you by phone, email, or post to fulfill your request even if you registered for the National Do Not Call List administered by the Federal Trade Commission or any equivalent list managed by a state or a company. If a lender contacts you by telephone about your request and you do not want the lender to call again, say so directly in the phone call. Please note that lenders may retain your information whether you eventually choose to do business with them or not.
Vendors—We sometimes share information with companies that host services for us, such as marketing distribution services. These companies have access only to the personal information they need to do their job and cannot share it with others or use it for any other purpose, as is outlined in the confidentiality agreements and other legal documents they signed with Lendgo.
As allowed by law—We may be compelled to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, government audits, or the like. To investigate or prevent fraud or illegal activities or threats, we believe in sharing information.
Business transfer—Should Lendgo be acquired by another company or merged with one, the successor company would have access to the information maintained by Lendgo, including your account information. This company would continue to be bound by this privacy disclosure unless you consent otherwise.
You will not receive email messages from us unless you register to receive them. From third parties you may receive email messages that advertise Lendgo’s services, but we have set strict requirements about such communications; namely, that they must not be part of a “spam” email campaign and they must only be sent to people who gave permission to receive third-party email messages. Should you ever wish to rescind this permission, look for an “unsubscribe” link in the body of the message. All messages should contain a way to unsubscribe or opt out of future mailings.
Keeping your personal information secure is important to us. We take many steps to guard your data, which you can read about on our security page .
To update your personal information—If your information changes or you no longer wish to use our service, you can update, delete, or deactivate your account by writing our customer support department at email@example.com.
This notice is required to be published by the California Consumer Privacy Act of 2018 (CCPA) to advise California residents how we collect, use, and share their personal information. The interactions between California residents and Lendgo are limited to visiting our website, subscribing to our mailing list, creating an account with us that does not include financial products/services, and applying for a job at Lendgo.
The CCPA states that personal information is anything that can identify a California resident. Nonetheless, this does not apply to specific information we collect, utilize, or disclose for consumers that start or finish the process of applying for our financial services. This is a result of certain federal privacy laws, like the Gramm-Leach-Bliley Act (GLBA) and the California Financial Information Privacy Act (FIPA). This also applies to representatives of businesses that are interested in our products or want to offer their services to us. Our product privacy notice explores this topic further.
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The CCPA permits California residents the right to inquire about how your information was accessed, used, or shared in the past 12 months; to receive a copy of the information we hold about you; and to request that we delete the information we hold about you. To exercise any of these rights, please write to firstname.lastname@example.org. For us to comply, we may need you to verify your identity. If you have authorized an agent to make your request(s), we will need to take further security actions to protect all parties.
Lendgo.com is not a banker or lender (Service Provider). Leading Service Providers participate in our matching engine who may have loan products available matching the criteria you submit in this interest profile. The information collected is not an application for credit or a mortgage loan, nor is it used to pre-qualify you with any Service Provider. There is no cost to submit a loan request, get matched with lenders and receive loan offers. You may review the loan offers and talk to the lenders at no cost. Of course, the lender you choose may require a fee to continue processing your loan request, but until you agree to pay the lender a fee, you may stop at no cost. Lendgo.com does not charge you, the consumer, a fee for its services. Who pays our bills? The lender. Of course, you will be responsible for paying any loan processing, closing costs or other fees to the lender with whom you close.
For purchase and refinance loans is generally based on the following criteria: Assuming a $400,000 loan amount, a borrower with good to excellent credit and average income seeking a loan for a single family, owner occupied one unit dwelling with 30% down payment (or 70% loan to value ratio). This example rate was last updated on Apr-15-2022 and includes up to 2 points. Rate and APR and other terms may vary from those displayed based on the creditworthiness of the borrower, the type of dwelling, whether the borrower is self-employed, the location of the property and other factors. The rates and terms you are offered are the responsibility of the lender and will vary based upon your loan request as determined by the lenders to whom you are matched. There is a possibility that you may not be matched with the lender making this example offer. Not available in all states. Advertised rates are subject to change.
Savings based on a refinancing a 30-year fixed-rate mortgage with a 6.799% interest rate with one at a 5.245% interest rate. The difference in savings is approximately $100 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. On a $500,000 loan the monthly savings would be $500 which is $6,000 annually and $180,000 over the life of loan. There is a possibility that you may not be matched with the lender making this example offer. Not available in all states. Advertised rates are subject to change.
Savings based on a refinancing a 30-year fixed-rate mortgage with a 7.25% interest rate with one at a 5.245% interest rate. The difference in savings is approximately $130.40 per month for every $100,000 financed. This analysis does not consider any closing costs or the effect of possibly lengthening the term of the loan. On a $500,000 loan the monthly savings would be $652 which is $7,824 annually. There is a possibility that you may not be matched with the lender making this example offer. Not available in all states. Advertised rates are subject to change.