Privacy Policy

TRATO LENDING LLC PRIVACY POLICY

Effective Date: 5/12/2024

Last Updated: 3/16/2026

Trato Lending LLC ("Trato," "Trato Lending," "we," "our," or "us") respects your privacy and is committed to protecting your information. This Privacy Policy explains how we collect, use, disclose, retain, and safeguard information when you visit our website, submit an inquiry, request financing, apply for a loan product, communicate with us, or otherwise interact with our services.

Trato operates in commercial and business-purpose real estate finance. Depending on the transaction, Trato may act as a loan broker, financing facilitator, referral source, platform operator, or table-funding originator. In some transactions, Trato may close a loan in its name and assign or transfer that loan to a lending partner, capital provider, or other financial institution. In other transactions, Trato may solely connect a prospective borrower with one or more third-party lenders or financing sources.

By using our website or submitting information to us, you agree to the collection, use, and disclosure practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

A. Personal Information

  • Full name
  • Email address
  • Telephone number
  • Mailing address
  • Property address
  • Date of birth
  • Social Security number, driver's license number, passport information, or other government-issued identification, where required, authorized, or voluntarily submitted in connection with a financing request or transaction

B. Business, Property, and Loan Information

  • Entity name, type, state of formation, and EIN
  • Property address, property type, occupancy, and related details
  • Requested loan amount
  • Purchase price
  • Rehab budget
  • Estimated after-repair value
  • Rent roll, rental income, or business financial information
  • Ownership structure, guarantor information, and transaction history
  • Bank statements, tax documents, proof of funds, and other financial or supporting documentation

C. Credit, Verification, and Underwriting Information

Where permitted by law and where applicable, we may collect or receive information from:

  • credit reporting agencies
  • identity verification providers
  • fraud prevention vendors
  • title companies
  • appraisal or valuation providers
  • insurance providers
  • public records sources
  • service providers or transaction counterparties

D. Technical and Website Usage Information

  • IP address
  • Browser type
  • Device identifiers
  • Operating system
  • Referring website or traffic source
  • Pages visited
  • Links clicked
  • Session activity
  • Cookies, pixels, analytics data, and similar tracking information

E. Communications Information

  • Emails
  • Text messages
  • Form submissions
  • Chat messages
  • Call recordings and notes
  • Other records of communications with us or our service providers

2. How We Collect Information

We collect information:

  • directly from you when you fill out a form, request a quote, apply for financing, upload documents, call, text, email, or otherwise communicate with us;
  • automatically when you use our website or interact with our emails, texts, advertisements, or digital content;
  • from third parties, including referral partners, lead providers, lending partners, service providers, public databases, title providers, verification vendors, analytics providers, and other participants in a financing transaction.

3. How We Use Information

We may use your information for the following purposes:

  • to respond to inquiries and communicate with you;
  • to evaluate, structure, broker, arrange, facilitate, process, underwrite, close, fund, purchase, assign, service, administer, monitor, or enforce financing transactions;
  • to connect you with one or more lending partners, investors, capital providers, purchasers, servicers, or other transaction counterparties;
  • to verify identity, detect and prevent fraud, assess risk, and maintain security;
  • to operate, improve, and administer our website, systems, marketing, and services;
  • to maintain records, support audits, and perform internal reporting and analytics;
  • to send marketing and promotional communications, subject to your opt-out rights;
  • to comply with legal, regulatory, tax, accounting, contractual, and enforcement obligations;
  • to protect our rights, property, systems, personnel, counterparties, and users.

4. How We Disclose Information

We do not sell personal information for monetary consideration. We may disclose your information as follows:

A. Lending Partners and Financial Institutions

We may disclose information to banks, private lenders, institutional lenders, investors, capital providers, assignees, purchasers, servicers, warehouse providers, table-funding partners, and other financial institutions or transaction participants to evaluate, underwrite, fund, purchase, acquire, service, administer, or enforce a financing transaction.

B. Service Providers

We may disclose information to service providers that support our business.

C. Affiliates and Counterparties

We may disclose information to affiliated entities, professional advisors, and counterparties involved in a proposed or completed financing transaction.

D. Legal and Protective Disclosures

We may disclose information to comply with applicable law, enforce our agreements, detect fraud, or protect rights and safety.

E. Business Transfers

We may disclose or transfer information in connection with an actual or proposed merger, acquisition, restructuring, financing, sale of assets, or other business transaction.

5. Trato's Role in Financing Transactions

Trato is not a depository institution and does not represent that it acts as a conventional balance-sheet lender in every transaction. By submitting information to Trato, you acknowledge and agree that your information may be reviewed, used, and disclosed to transaction participants and service providers as reasonably necessary.

6. Cookies, Analytics, and Advertising Technologies

We and our third-party partners may use cookies, pixels, tags, scripts, and similar technologies to operate and secure our website, analyze traffic, and improve marketing efforts.

7. Text Messaging and Communications

If you provide your mobile phone number, you consent to receive calls and text messages from us regarding your inquiry, application, or related services, subject to applicable law and your opt-out rights.

Text messaging originator opt-in data and consent will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

8. Data Retention

We retain personal information for as long as reasonably necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements.

9. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information. However, no transmission or storage system can be guaranteed to be fully secure.

10. Children's Privacy

Our website and services are not directed to individuals under 18 years of age.

11. Nevada Residents

Nevada residents may submit opt-out requests by emailing loans@tratolending.com with the subject line: Nevada Sale Opt-Out Request.

12. California Residents

If you are a California resident, please review our California Privacy Notice, which supplements this Privacy Policy.

13. Changes to This Privacy Policy

We may revise this Privacy Policy from time to time. Your continued use of our website after any update constitutes acceptance of the revised Privacy Policy.

14. Contact Information

If you have questions about this Privacy Policy, please contact us at:

Trato Lending LLC

Email: loans@tratolending.com

Phone: (786) 800-3552