Effective Date: August 13, 2025
This Privacy Policy ("Policy") explains how Got Lending Inc, located at 5465 Legacy Drive, Suite 650, Plano, TX 75024 (“Got Lending,” “we,” “our,” or “us”), collects, uses, processes, protects, and discloses personal data via our websites, platforms, and related services (collectively, the “Services”).
By using our Services, you acknowledge reading, understanding, and legally consenting to this Policy. If you disagree, cease all use immediately.
1. Scope & Controller Obligations
We comply with the Texas Data Privacy and Security Act (TDPSA). As a controller (as defined by TDPSA), we:
- Limit data collection to what is adequate, relevant, and necessary for the purposes disclosed.
- Maintain appropriate administrative, technical, and physical safeguards to protect personal data’s confidentiality, integrity, and accessibility. Texas Legislature Online DLA Piper
2. Types of Personal Data Collected
We collect:
- Personal data: Identifiers such as name, contact info, date of birth, SSN.
- Sensitive data: Potentially includes precise geolocation and biometric data (if collected). Texas Legislature Online Texas Attorney General
- Technical data: Device and network information, browsing patterns.
- Communications: Records of correspondence or support interactions.
3. Purposes & Processing
Personal data is processed to:
- Deliver, maintain, and improve our Services.
- Evaluate loan eligibility and verify identities.
- Fulfill legal and regulatory obligations.
- Conduct internal research, fraud detection, and security measures. Data Protection Report
4. Consumer Rights Under Texas Law
Residents of Texas have the following rights under TDPSA:
- Access – Confirm and obtain a copy of your processed personal data.
- Correction – Rectify inaccurate personal data.
- Deletion – Delete personal data provided by or collected about you.
- Portability – Receive your data in a portable, usable format.
- Opt-out of:
- Targeted advertising,
- Sale of personal data, and
- Profiling in decisions with significant effects (e.g., lending decisions). Texas Legislature Online DLA Piper
Response time: Within 45 calendar days, with an optional one-time extension of another 45 days, if necessary. Texas Legislature Online
Appeals: You may appeal any denial. Our appeal process will be clearly described, and if motion is denied, you'll be provided with an online method to contact the Texas Attorney General. Texas Legislature Online Texas Public Policy Foundation
5. Consent & Selling Sensitive Data
We will obtain explicit, affirmative consent before processing any sensitive personal data such as social security numbers or biometric information. DLA Piper National Law Review If we ever intend to “sell” sensitive data (as broadly defined under TDPSA), we will prominently disclose:
NOTICE: We may sell your sensitive personal data. Data Protection Report IAPP
6. Data Protection Assessments (DPAs)
We will conduct documented Data Protection Assessments for any high-risk processing, including targeted advertising, sale of personal data, or profiling that results in decisions with significant legal effects. These assessments will be provided to the Texas Attorney General upon civil investigative demand. Texas Legislature Online Data Protection Report
7. No Discrimination or Retaliation
We will not discriminate or deny service if you elect to exercise your TDPSA rights. Texas Legislature Online Hillco Partners
8. Data Retention & Security
We retain data only as necessary for our disclosed purposes or as required by law. We employ commercially reasonable safeguards, though no system is entirely secure.
9. How to Exercise Your Rights
Submit requests via:
- Email: [Insert Data Privacy Email]
- Mail: 5465 Legacy Drive, Suite 650, Plano, TX 75024
Requests will be authenticated following “commercially reasonable efforts.” In cases of manifestly unfounded or repetitive requests, we reserve the right to charge a reasonable administrative fee or decline to act. Texas DIR
10. Updates to This Policy
We may update this Policy at our discretion. Significant changes will be posted along with a revised effective date. Continuing to use the Services after changes indicates acceptance.
11. Contact Information
Got questions or complaints? Contact us:Got Lending Inc
5465 Legacy Drive, Suite 650
Plano, TX 75024
Email: info@GotLending.info
Phone: TBD