Privacy policy
Last updated October 7, 2025
Scott Private Lending, LLC ("Company", "we", "our", or "us") respects your privacy and is committed to protecting it through our compliance with this policy. This policy describes how we collect, process, retain, and disclose personal data about you when operating our platform and connecting lenders with borrowers (our “Services”) through our website and our practices for using, maintaining, protecting, and disclosing that information.
This policy applies only to information we collect:
Through our website and online forms, including when you apply to borrow or invest;
To provide Services;
Through our social media pages and messaging channels, to the extent that we control or use that information; and
In communications, including email, text, chat, and other electronic messages, between you and the Company.
It does not apply to information collected by:
Us offline or through any other means, including on any other website operated by us or any third party that does not link to this policy; or
Any third party, including our affiliates, partners, or any applications or content (including advertising) that may link to or be accessible from or through the Services.
We may provide additional or different privacy policies that are specific to certain features, services, or activities.
Please read this policy carefully to understand our policies and practices regarding your information and how we treat it. By interacting with our Services or providing us with your information, you agree to the collection, use, and sharing of your information as described in this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of the Services after we make changes as described herein is deemed to be acceptance of those changes, so please check the policy periodically for updates.
Children's and Minors' Data
Our Services are not intended for, and we do not knowingly collect any personal data from, children under the age of 18. We do not knowingly collect personal data from children under 13, and if learn we have done so, we will delete that information.
The Personal Data That We Collect or Process
"Personal data" is information that identifies, relates to, or describes, directly or indirectly, you as an individual.
We collect information only as reasonably necessary to facilitate lending and investment connections, communicate with participants, and provide our Services.
The types and categories of personal data we collect or process include:
Identity and contact information – such as your name, address, email address, phone number, and any other contact details you provide to us.
Application information – including financial or business details you submit when applying to borrow or invest, such as income or asset information, employment or business ownership details, and related documentation.
Identity verification information – such as government-issued identification numbers (e.g., driver’s license, Social Security number, tax ID) or other documents we may request to verify your identity, or for due diligence purposes.
Device and technical information – including your IP address, browser type and settings, operating system, and information about how you interact with our website.
Communications – including the content of emails, chats, or messages you send to us, as well as records of communications regarding applications, investments, or customer support.
Marketing and engagement information – such as information you provide when subscribing to updates, joining a mailing list, or interacting with Company social media pages or online forms.
We may also collect:
Aggregated or statistical information, which does not directly identify you but helps us understand how people use our services. For example, we may aggregate usage data to calculate the percentage of visitors who apply for funding.
Technical usage information, such as details about your internet connection, browsing patterns, referring URLs, pages visited, and time spent on our website.
If we combine non-personal or technical information with Personal Data in a way that identifies you, we will treat the combined data as Personal Data.
How We Collect Your Personal Data
We collect personal data from and about you in a variety of ways, including:
Directly from you. We collect information that you provide directly to us, such as when you complete an online application to borrow or invest, fill out forms on our website, communicate with us by phone, email, text, or chat, or provide documentation during our review and due-diligence process.
Automatically when you interact with our website. As you navigate through and interact with our website, we may automatically collect certain technical information about your equipment, browsing actions, and usage patterns. This information helps us improve our website and deliver a better, more personalized experience.
From third parties and service providers. We may receive information about you from business partners, credit reporting agencies, verification vendors, or other financial institutions that help us evaluate loan or investment applications, conduct identity verification, or comply with applicable laws and regulations.
From publicly available sources. We may also collect information from public databases, government records, or publicly available online sources to verify information you have provided or to perform required compliance checks.
Through social media or online interactions. If you engage with our Company’s social media pages (for example, on LinkedIn or Facebook) or submit information through an online advertisement or form, we may collect the information you choose to share with us through those channels.
We collect and use this information to operate our business, review and process applications, maintain regulatory compliance, and communicate with borrowers, investors, and other users of our services.
How We Use Your Information
We use the information we collect about you, or that you provide to us, including any personal data, to:
Provide and manage our services. This includes processing and evaluating loan and investment applications, verifying identities, conducting due diligence, and facilitating communications between borrowers, investors, and the Company.
Operate, maintain, and improve our website and business operations. We use information to understand how users interact with our site, enhance user experience, and improve our services, processes, and communications.
Comply with legal and regulatory requirements. We process personal data as necessary to meet our obligations under applicable laws, including anti-money-laundering (AML), know-your-customer (KYC), tax reporting, and financial recordkeeping requirements.
Communicate with you. We use your information to respond to inquiries, provide updates about your application or account, and send important administrative information such as policy or terms changes.
Market and promote our offerings. We may use contact information to share information about borrowing or investment opportunities, upcoming events, or other services we believe may interest you. You may opt out of these communications at any time.
Protect our rights and prevent misuse. We may use personal data to prevent, detect, and investigate fraud, security incidents, or other unlawful or harmful activities, and to enforce our contracts and policies.
Fulfill any other purpose disclosed to you when you provide the information or with your consent.
The usage information we collect—whether or not it is linked to personal data—helps us improve our website and deliver a better, more personalized experience by enabling us to:
Estimate audience size and usage patterns;
Store information about user preferences;
Improve navigation and load times; and
Recognize returning visitors.
We process personal data only for legitimate business purposes consistent with this Privacy Policy and applicable law.
We may disclose aggregated or de-identified information about our users—information that does not identify any individual—without restriction.
We may also disclose personal data that we collect or that you provide to us as described in this Privacy Policy:
To our affiliates and related entities. We may share information with our affiliates, subsidiaries, or related entities as needed to operate our business and provide our services.
To contractors, service providers, and vendors. We may share information with third-party service providers who support our operations, such as website hosting, data storage, IT support, customer communications, background checks, credit reporting, payment processing, and compliance verification. These parties are bound by contractual obligations to protect personal data and to use it only for the purposes for which we disclose it to them.
To financial institutions and partners. We may disclose information to banks, custodians, or other financial entities involved in processing transactions, servicing loans, or managing investor funds.
To regulators or governmental authorities. We may disclose information to comply with applicable law, lawful requests, or regulatory requirements related to lending, investing, anti-money-laundering (AML), or know-your-customer (KYC) compliance.
To a buyer or successor. In the event of a merger, restructuring, reorganization, sale, or other transfer of some or all of the Company’s assets, personal data may be among the assets transferred.
To fulfill the purpose for which you provide it. For example, if you submit an investment application intended to be shared with an escrow agent or custodian, we will transmit the relevant information as necessary to complete that process.
For any other purpose disclosed by us when you provide the information or with your consent.
We may also disclose personal data:
To comply with any court order, law, or legal process, including to respond to government or regulatory requests;
To enforce or apply our Terms of Use or other agreements, including for billing and collection purposes; or
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our clients, or others, including exchanging information with other entities for fraud protection or credit risk reduction.
The categories of personal data we may disclose include:
Identity and contact information;
Application and financial information;
Identity verification information;
Device and technical information; and
Communication records and correspondence.
Your Rights and Choices About Your Information
This section describes the mechanisms you can use to control certain uses and disclosures of your information, as well as the rights you may have under applicable state privacy laws, depending on where you live.
Advertising, Marketing, and Cookie Preferences
Cookies and Tracking Technologies. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, certain parts of our website may be inaccessible or may not function properly. Some browsers include a “Do Not Track” (DNT) setting that signals websites you do not wish to be tracked. Because there is no consistent industry standard for how to interpret DNT signals, our website may not respond to all DNT requests, but you can use your browser or device settings to limit data collection.
Promotional Communications. If you do not wish to receive marketing or promotional emails from us, you can opt out at any time by following the unsubscribe instructions included in those communications or by contacting us at dealteam@scottprivatelending.com. Opting out of promotional messages will not affect important transactional or service-related communications, such as application updates or required notices.
Text Messages. If you opt in to receive SMS updates from us, you consent to receive autodialed or prerecorded marketing and transactional messages at the number you provide. Message and data rates apply. You may reply STOP to opt out.
We do not sell personal data or engage in targeted advertising as those terms are defined under state privacy laws.
Location Data Choices
If our website or application requests access to location information, you can control whether location data is shared through your device or browser privacy settings. Disabling location permissions may limit certain features or functionality.
Your State Privacy Rights
Depending on your state of residence, you may have certain rights related to your personal data, including:
Access and Data Portability. You may confirm whether we process your personal data and request access to a copy of that data. Where feasible and required by state law, we will provide data in a portable format.
Correction. You may request that we correct inaccuracies in your personal data, taking into account the nature of the information and the purposes for which it is processed.
Deletion. You may request that we delete personal data about you that we maintain, subject to certain legal and regulatory exceptions.
Opt-Out Rights. You may request that we not use your personal data for targeted advertising, profiling, or the sale of data.
Non-Discrimination. We will not discriminate against you for exercising your privacy rights.
The exact scope of these rights and how to exercise them varies by state. There are also exceptions where we may not be required to fulfill your request. To exercise any of these rights, please contact us at dealteam@scottprivatelending.com. If we deny your request, you may appeal the decision by following the instructions provided in our response.
We do not sell personal data as defined under applicable state or federal laws, including Nevada law. However, residents who wish to make a related inquiry may contact us at dealteam@scottprivatelending.com.
Global Privacy Control (GPC)
Some browsers and browser extensions support the Global Privacy Control (GPC), which sends a signal to websites indicating that you wish to opt out of certain types of data processing. When we detect a GPC signal, we will make reasonable efforts to honor it as required by applicable law.
How We Protect Your Personal Data
We use commercially reasonable administrative, physical, and technical safeguards designed to protect personal data against accidental loss, misuse, unauthorized access, disclosure, alteration, and destruction. These measures include restricting access to personal data to those employees, contractors, and service providers who need the information to perform their duties and who are required to maintain its confidentiality.
However, no website, online system, or electronic transmission is completely secure, and we cannot guarantee the security of your personal data transmitted to or through our website. In particular, email, text messages, and chat communications may not be secure, and you should carefully consider what information you send to us through those channels. Any transmission of personal data is at your own risk.
The safety and security of your information also depend on you. You are responsible for taking reasonable steps to protect your personal data, such as keeping your account credentials confidential and using caution when sharing information online.
How We Retain Your Personal Data
We keep the categories of personal data described in this policy for as long as reasonably necessary to fulfill the purposes for which the information was collected, or as otherwise legally permitted or required. This includes maintaining our business operations, processing and servicing loans or investments, complying with our legal and regulatory obligations, resolving disputes, and ensuring security and fraud prevention.
Because of the nature of our business, certain records and financial information may need to be retained for extended periods to comply with applicable laws and regulations, including those related to financial reporting, anti-money-laundering (AML), and know-your-customer (KYC) requirements.
When personal data is no longer required for these purposes, we will delete, destroy, or deidentify it in accordance with our data retention policies and applicable law.
Changes to Our Privacy Policy
We may update this Privacy Policy from time to time. When we make changes, we will post the updated policy on our website and update the “Last Updated” date at the top of the page. If the changes are material or required by law, we will provide additional notice as appropriate, such as by email or a prominent notice on our website.
We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information.
Contact Information
To exercise your rights or ask questions or comment about this privacy policy or our privacy practices, contact us at: dealteam@scottprivatelending.com.