California Privacy Notice

Trato Lending LLC
Effective Date: 5/12/2024
Last Updated: 3/16/2026

This California Privacy Notice supplements the information contained in the Trato Lending LLC Privacy Policy and applies solely to California residents ("consumers" or "you"), to the extent the California Consumer Privacy Act, as amended by the California Privacy Rights Act ("CCPA/CPRA"), applies.

1. Scope

This Notice applies to personal information collected from California residents through our website, forms, communications, and financing-related interactions.

2. Categories of Personal Information We Collect

In the preceding 12 months, we may have collected the following categories of personal information:

A. Identifiers

Examples:

  • name
  • postal address
  • email address
  • phone number
  • IP address
  • online identifiers
  • government identification information

B. California Customer Records Information

Examples:

  • signature
  • financial information
  • property and transaction details
  • documents submitted in connection with financing requests

C. Protected Classification Information

Examples:

  • age
  • citizenship
  • other information in application or compliance materials

D. Commercial Information

Examples:

  • records of financing inquiries
  • transaction history
  • services requested
  • communications regarding loan products

E. Internet or Other Electronic Network Activity

Examples:

  • browsing history
  • search history
  • interactions with our website, ads, emails, texts, or social media content

F. Geolocation Data

Examples:

  • approximate location derived from IP address or device activity

G. Audio, Electronic, Visual, or Similar Information

Examples:

  • call recordings
  • voicemail
  • email records
  • text messages
  • chat records

H. Professional or Employment-Related Information

Examples:

  • business title
  • employer
  • company affiliation
  • business background

I. Sensitive Personal Information

Examples:

  • Social Security number
  • driver's license number
  • passport information
  • financial account information

J. Inferences

Examples:

  • marketing segments
  • risk profiles
  • inferred financing preferences
  • inferred business needs

3. Sources of Personal Information

We may collect personal information from you directly, your devices and browsers, referral partners, analytics providers, credit bureaus, and other transaction participants.

4. Purposes for Collecting, Using, and Disclosing Personal Information

We may collect, use, and disclose personal information to provide financing services, communicate with you, verify identity, operate and improve our systems, conduct analytics and marketing, comply with legal obligations, and protect rights and security.

5. Retention

We retain each category of personal information for as long as reasonably necessary for the purposes described in this Notice.

6. Disclosures for Business Purposes

We may have disclosed personal information to service providers, lending partners, technology vendors, legal and compliance providers, regulators, and affiliates.

7. Sale or Sharing of Personal Information

We do not sell personal information for monetary consideration. California residents may submit a request to opt out by emailing loans@tratolending.com with the subject line: Do Not Sell or Share My Personal Information.

8. Sensitive Personal Information

We use sensitive personal information only as reasonably necessary to provide requested services. California residents may request to limit certain uses by emailing loans@tratolending.com.

9. California Privacy Rights

Subject to verification and applicable exemptions, California residents may have the right to know, access, delete, correct, opt out, and limit uses of their personal information.

10. How to Exercise Your Rights

Email: loans@tratolending.com, Subject Line: California Privacy Request

11. Response Timing and Verification

We will confirm receipt and respond within the time permitted by law.

12. Non-Discrimination

We will not discriminate against you for exercising any rights provided under California law.

13. Shine the Light

California residents may request certain information by emailing loans@tratolending.com with the subject line: California Shine the Light Request.

14. Contact Information

Trato Lending LLC
Email: loans@tratolending.com
Phone: (786) 800-3552