Privacy Policy

1. Information We Collect

We collect information you provide directly when you complete a contact form, request information about our products, apply for financing, or interact with our advertisements, including:

• Full name, email address, phone number, and mailing address
• Loan type of interest (DSCR, Fix & Flip, Bridge, Ground Up, Fast Funding / Hard Money)
• Investment property information (when voluntarily provided)
• Social Security Number and government-issued identification (for loan applications)
• Financial information such as income, assets, credit history, and bank account details
• Property addresses, project details, and valuations
• Documentation submitted as part of the loan process
• Any other information you voluntarily provide through forms, calls, or correspondence

We also automatically collect technical information when you visit our website, including your IP address, browser type, device information, pages visited, and cookies or similar tracking technologies.

2. How We Use Your Information

We use the information we collect to respond to your loan inquiries and pre-approval requests, evaluate your eligibility for our loan products, process and service loan applications, communicate with you about your account and our services, verify your identity and prevent fraud, comply with legal and regulatory obligations, improve our products, website experience, and digital marketing campaigns, and send marketing communications (with your consent, where required). You may opt out of marketing communications at any time.

3. Sharing of Information

Hera Lending does not sell or rent your personal information. We may share your data with service providers who assist with our business operations (CRM platforms, email services, web analytics) under confidentiality agreements; capital partners and investors involved in funding your loan; credit reporting agencies, title companies, and appraisal firms; insurance providers for property and loan-related coverage; advertising platforms, including Meta Platforms, Inc. (Facebook / Instagram), for ad campaign measurement and optimization, subject to their own privacy policies; government agencies and regulators as required by law; and professional advisors in connection with legal proceedings or compliance matters.

4. Financial Privacy Notice (GLBA)

As a financial institution, we are subject to the Gramm-Leach-Bliley Act (GLBA). We collect and share nonpublic personal information only as permitted by law. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect your nonpublic personal information. You have the right to opt out of certain sharing of your nonpublic personal information by contacting us using the details provided below.

5. Cookies and Tracking Technologies

Our websites use cookies and similar technologies, including the Meta Pixel, to enhance your experience, analyze traffic, measure advertising performance, and personalize content and ads across platforms such as Facebook and Instagram. You can manage your cookie preferences through your browser settings, and you can opt out of personalized advertising through the privacy settings of the relevant ad platforms. Disabling cookies may affect certain website functionality.

6. Data Security

We implement industry-standard security measures to protect your personal information, including encryption of sensitive data in transit and at rest, secure access-controlled systems, restricted access to personal data on a need-to-know basis, and regular employee training on data protection practices. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Third-Party Websites

Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of those sites and encourage you to review their privacy policies independently.

8. Data Retention

We retain your personal information for as long as necessary for the purposes described in this policy, or as required by applicable law. Generally, prospect contact data collected through marketing forms and advertisements is retained for a maximum of 24 months from the date of last contact. Loan, servicing, and regulatory records are retained for the longer periods required by applicable lending and tax regulations.

9. Children's Privacy

Our services are directed exclusively to adults (18 years of age or older) involved in real estate investment and financing. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected such information, we will take steps to delete it promptly.

10. Your Rights & State Privacy Rights

You have the right to access the personal information we hold about you, request correction of inaccurate information, request deletion of your personal information, opt out of marketing communications at any time, and file a complaint with the relevant data protection authority. Depending on your state of residence (including California, Texas, Virginia, and Colorado), you may have additional rights regarding your personal information, including the right to port your data and to opt out of certain data processing activities. To exercise these rights, please contact us using the information below.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: