Privacy Policy

This page is maintained by Trato Lending to describe how we collect, use, and protect information about visitors to our website and loan applicants. It is not a certification, audit report, or independent legal opinion. We encourage you to read this policy carefully and to contact us with any questions.

1. Information We Collect

We collect information that you provide directly to us, such as when you fill out a loan inquiry form, use our chat widget, call us, or send us an email. This may include your name, email address, phone number, property address, loan details, and other information needed to evaluate your financing request.

We also collect certain information automatically when you visit our Site, such as your IP address, browser type, device information, pages viewed, and the dates and times of your visits. This information helps us understand how visitors use the Site and improve our services.

2. How We Use Your Information

We use the information we collect to:

• Respond to your loan inquiries and provide indicative terms;
• Process and evaluate loan applications;
• Communicate with you about your application and our services;
• Improve our website, products, and customer experience;
• Comply with legal obligations and protect our rights.

3. SMS and Mobile Information

When you provide your mobile phone number to Trato Lending, you may receive transactional SMS messages related to your loan inquiry or application. We use the phone number you provide solely to communicate with you about your request and our services.

• Opt-in consent: By providing your mobile number, you consent to receive SMS messages from Trato Lending. You are not required to provide a mobile number or consent to SMS as a condition of purchasing any goods or services.
• Message frequency: Frequency varies based on your loan inquiry and application status.
• Rates: Message and data rates may apply from your wireless carrier.
• Opt-out: You can cancel SMS messages at any time by replying STOP to any message.
• Help: For assistance, reply HELP to any message or contact us using the information below.
• Sharing: We will not share your mobile information with third parties or affiliates for marketing or promotional purposes without your express consent. The mobile opt-in consent you provide is not transferable to any other person or telephone number.
• Carriers: Carriers are not liable for delayed or undelivered messages.

4. Sharing and Disclosure

We do not sell your personal information. We may share information with service providers who perform functions on our behalf, such as website hosting, chat services, customer relationship management, and loan processing platforms. These providers are contractually restricted from using your information for purposes other than those we request.

We may also disclose information if required by law, to enforce our rights, or to protect the safety, rights, or property of Trato Lending, our users, or others.

5. Cookies and Analytics

Our Site may use cookies and similar technologies to remember your preferences, understand how visitors interact with the Site, and support analytics. You can control cookies through your browser settings. Some features of the Site may not function properly if you disable cookies.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, to comply with legal and regulatory obligations, to resolve disputes, and to enforce our agreements. When information is no longer needed, we take reasonable steps to delete or anonymize it.

7. Your Privacy Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or restrict the use of your personal information. To exercise these rights, or to ask questions about your information, please contact us using the information below. We will respond to reasonable requests in accordance with applicable law.

8. Security

We use reasonable administrative, technical, and physical safeguards to protect the information we collect. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. Children's Privacy

Our Site is not directed to individuals under 18 years of age, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us and we will take steps to delete it.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The revised policy will be posted on this page with a new “Last updated” date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us:

Trato Lending
7901 Fourth Street N # 25576
St. Petersburg, FL 33702
Phone: +1 813-544-2420
Email: hello@tratolending.com