1. Introduction
MicroLendr ("MicroLendr," "we," "us," or "our") operates an online platform designed to connect small businesses and individuals seeking financing with funding solutions offered directly through MicroLendr or its financing partners.
This Privacy Policy & Lending Disclosures page explains:
- What information we collect
- How we use and protect your information
- How lending decisions are made
- Important disclosures regarding loans, approvals, and obligations
By using our website, submitting an application, or communicating with MicroLendr, you acknowledge that you have read, understood, and agreed to the terms outlined below.
2. Information We Collect
We collect information in order to evaluate applications, communicate with applicants, and comply with legal and regulatory requirements.
A. Information You Provide
When you apply or interact with MicroLendr, you may provide:
- Full name
- Business name and business information
- Phone number and email address
- Business address
- Time in business
- Requested funding amount
- Intended use of funds
- Other information necessary to evaluate your request
Providing accurate and complete information is required to proceed with an application.
B. Automatically Collected Information
When you use our website, we may collect:
- IP address
- Device and browser type
- Pages visited and time spent
- Cookies and similar tracking technologies
This information helps us improve website performance, security, and user experience.
3. How We Use Your Information
Your information may be used to:
- Review and evaluate your funding request
- Contact you regarding your application
- Match you with appropriate financing options
- Provide support and customer service
- Improve our services and website functionality
- Comply with legal, regulatory, and risk requirements
- Prevent fraud and unauthorized activity
We do not sell personal information to third parties.
4. Information Sharing
We may share your information only when necessary and appropriate, including:
- With internal MicroLendr loan advisors
- With trusted service providers who support application processing
- With financial partners involved in underwriting or funding (if applicable)
- When required by law, regulation, or legal process
All third parties are required to maintain confidentiality and data protection standards.
5. Consent to Contact
By submitting an application or inquiry, you expressly consent to being contacted by MicroLendr via:
- Phone calls
- Emails
- Text messages (where permitted by law)
Communications may relate to your application, funding options, or account status.
You may request to opt out of non-essential communications at any time.
6. Data Security
MicroLendr uses commercially reasonable safeguards to protect your information, including:
- Secure website infrastructure
- Encrypted data transmission
- Restricted access to sensitive information
- Ongoing monitoring for unauthorized activity
However, no system can guarantee absolute security. You acknowledge and accept this risk when using our services.
📄 LENDING DISCLOSURES
7. No Guarantee of Approval
Submitting an application does not guarantee approval, funding, or specific loan terms.
All financing decisions are subject to review, underwriting, and approval based on multiple factors, which may include:
- Business history
- Cash flow
- Industry type
- Credit profile
- Requested loan amount
- Risk assessment
MicroLendr reserves the right to approve, decline, or modify any request at its discretion.
8. Loan Products Overview (General Disclosure)
MicroLendr may offer financing products such as:
- Lines of Credit
- Term Loans
Specific terms, including rates, repayment schedules, fees, and loan amounts, vary by applicant and are disclosed prior to acceptance.
No loan is finalized until all required agreements are signed.
9. Use of Funds
Applicants represent and warrant that loan proceeds will be used for legitimate business purposes, which may include:
- Inventory purchases
- Payroll
- Expansion or renovation
- Marketing
- Equipment upgrades
- Hiring
- Cash flow management
- Debt consolidation
Funds may not be used for illegal activities or prohibited purposes.
10. Repayment Obligations
By accepting funding, borrowers agree to:
- Repay all amounts owed according to the agreed schedule
- Comply with all loan terms and conditions
- Maintain accurate contact and business information
Failure to repay may result in penalties, fees, collections activity, or other remedies permitted by law.
11. Rates, Fees & Terms Disclosure
- Loan terms may range up to 24 months
- Credit limits and loan amounts vary by qualification
- Fees, interest rates, or factor rates (if applicable) will be clearly disclosed before acceptance
- There are no obligations until a borrower signs final loan documents
MicroLendr does not advertise guaranteed rates or guaranteed approvals.
12. No Financial or Legal Advice
MicroLendr does not provide tax, legal, or accounting advice.
Applicants are encouraged to consult qualified professionals before accepting financing.
13. Fair Lending Commitment
MicroLendr is committed to fair and responsible lending practices.
We do not discriminate on the basis of:
- Race
- Color
- Religion
- National origin
- Sex
- Marital status
- Age
- Disability
All applications are evaluated based on objective business and financial criteria.
14. Limitation of Liability
To the fullest extent permitted by law:
- MicroLendr is not liable for indirect, incidental, or consequential damages
- We are not responsible for business losses, lost profits, or missed opportunities
- Website access is provided "as is" without warranties of any kind
Use of the platform is at your own risk.
15. Changes to This Policy
MicroLendr may update this Privacy & Lending Disclosures page at any time.
Changes become effective upon posting.
Continued use of the website constitutes acceptance of updated terms.
16. Contact Information
If you have questions regarding this policy or your information, please contact:
📧 support@microlendr.com
✓ Acknowledgment
By using MicroLendr or submitting an application, you acknowledge that you have read, understood, and agreed to this Privacy Policy & Lending Disclosures page.