Effective Date: 11/21/2024
This Privacy Policy explains how The Lazzaro Lending Group – Powered By Reasy Financial (“we,” “us,” or “our”) collects, uses, and protects your personal information when you visit our website https://lazzarolending.com (“Site”) or use our services.
Scope
This policy applies to all interactions with our Site and the products and services we offer. It does not apply to third-party websites or services linked from our Site.
The Lazzaro Lending Group – Powered By Reasy Financial is NMLS ID #1229453. Licensed in PA, FL, TX, and AZ. Licensing details can be verified at NMLS Consumer Access.
Our Commitment to Fair Lending
We comply with all federal fair lending laws, including the Equal Credit Opportunity Act (ECOA), ensuring that all consumers are treated fairly and equally, regardless of race, color, religion, national origin, sex, marital status, age, or because you receive income from a public assistance program.
Information We Collect
1. Personal Information
We collect personal information you voluntarily provide, such as:
- Name
- Email address
- Phone number
- Other details you share through forms, surveys, or service interactions
You may visit our Site anonymously, but some features may be unavailable without providing personal information.
2. Non-Personal Information
We collect non-personal data, such as:
- Browser type and version
- Operating system
- IP address
- Internet service provider
This information is used to enhance your experience and improve website functionality.
3. Cookies
Our Site uses cookies to personalize your experience and gather insights into how you use our Site. Cookies may track:
- Browser preferences
- Pages visited
- Time spent on the Site
You can disable cookies in your browser settings, but some features may not function properly if cookies are blocked.
How We Use Your Information
We use the information we collect for the following purposes:
- Customer Support: To respond to your inquiries and support requests effectively.
- User Experience: To analyze user behavior and improve our Site and services.
- Transaction Processing: To fulfill orders or requests and provide related support.
- Marketing: To send newsletters, rate updates, or promotional offers (with opt-out options).
- Surveys and Feedback: To gather insights for improving our services.
We do not sell, trade, or rent personal information to third parties. We may share your information with trusted service providers to deliver our services under strict confidentiality agreements.
How We Protect Your Information
We implement industry-standard security measures, including:
- Data encryption during transmission
- Firewalls and secure servers to protect stored data
- PCI-compliant protocols to secure financial information
While we strive to protect your personal data, no method of transmission or storage is 100% secure. Users are encouraged to take precautions when sharing sensitive information online.
Disclaimer of Liability
The Lazzaro Lending Group – Powered By Reasy Financial is not responsible for:
- Errors, delays, or interruptions in service due to factors beyond our control, including third-party service providers or internet connectivity issues.
- Misuse of our website or services by Users.
- Loss or unauthorized access to personal data due to breaches of third-party platforms linked to or used in connection with our services.
User Responsibility
Users are responsible for ensuring that the information they provide to The Lazzaro Lending Group – Powered By Reasy Financial is accurate and up to date. We are not liable for issues resulting from inaccurate, incomplete, or outdated information provided by the User.
Your Privacy Rights
1. General Users
You may request to access, update, or delete your personal information by contacting us at the details below.
2. California Residents (CCPA)
Under the California Consumer Privacy Act, California residents have the right to:
- Request details about the data we collect.
- Request deletion of personal data.
- Opt out of the sale of personal information (we do not sell data).
3. EU Residents (GDPR)
If you reside in the EU, you have the right to:
- Access, correct, or delete your personal data.
- Withdraw consent to data processing.
- File a complaint with your local data protection authority.
Children’s Privacy
We do not knowingly collect personal information from children under 13. If we become aware of such data, we will promptly delete it. Our Site is not intended for individuals under 13.
No Guarantees
While we strive to provide accurate and timely information regarding rates, services, and other content, The Lazzaro Lending Group – Powered By Reasy Financial does not guarantee the availability, accuracy, or completeness of any information or services on the Site. Rates are subject to change until locked in writing.
Data Retention
We retain personal data as needed for service fulfillment, legal compliance, and dispute resolution. Data no longer required will be deleted or anonymized.
Third-Party Websites
Our Site may contain links to third-party websites for your convenience. We are not responsible for the content, privacy practices, or policies of these websites. We recommend reviewing the privacy policies of any external sites you visit.
Governing Law
This Privacy Policy is governed by and interpreted under the laws of the State of Arizona. Any disputes arising from this Privacy Policy or your use of our website shall be subject to the exclusive jurisdiction of the courts located in Peoria, AZ.
Indemnification
By using our Site, you agree to indemnify and hold harmless The Lazzaro Lending Group – Powered By Reasy Financial, its employees, affiliates, and agents, from any claims, damages, losses, or liabilities, including legal fees, arising from your use of the Site, violation of this Privacy Policy, or misuse of services provided by us.
Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with the revision date. By continuing to use our Site after updates, you accept the revised policy.
Contact Us
If you have questions about this Privacy Policy or how your information is used, please contact us:
The Lazzaro Lending Group – Powered By Reasy Financial
NMLS ID #1229453
14100 N 83rd Ave, Suite B-230
Peoria, AZ 85381
Phone: (412) 638-4982
Email: justin.lazzaro@reasyfinancial.com
