Privacy Policy

 Effective Date: April 1, 2026

Lending Hand Inc. respects your privacy and is committed to protecting your personal information.

Information We Collect

We may collect your personal, financial, and employment information to verify your identity, assess your ability to repay, and process your loan. 

Personal Information
Full Name and Date of Birth
Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
Government-issued photo ID (e.g., State Driver's License or Passport)
Residential Address
Phone Number
Email Address
State Databases: If your state monitors small-dollar loans (like many do), the lender will check a centralized state database using your ID to ensure you do not exceed the legal limits on concurrent payday loans.

Financial Information
Routing and account numbers for an active checking account (necessary for direct deposit and authorizing electronic debits/repayments such as ACH an/or RCC entries).
Bank statements: To evaluate your current cash flow and account standing. Instant Account Verification (IAV)
Credit Reports: May be possible depending on loan criteria. Credit scores come from major credit bureaus to approve loans, though they may pull reports from specialty financial databases.

Employment Information
Employer's name and contact information
Proof of income: Recent pay stubs, bank statements, or official documentation showing regular income (this includes jobs, pensions, or government benefits).
Income frequency: How often you get paid (weekly, bi-weekly, or monthly). 

How We Use Information

We use your information to process and service loans, manage accounts, provide customer support, send account notifications, process payments, prevent fraud, and comply with legal requirements.

SMS Communications (do you need summary here too if not can be removed)

By providing your mobile number and opting in, you agree to receive text messages from Lending Hand Inc., including account notifications, payment reminders, service updates, and customer support communications.

Message frequency may vary. Message and data rates may apply.

To stop receiving messages, reply STOP. For assistance, reply HELP or contact us directly.

Information Sharing

We do not sell, rent, trade, or share your personal information, mobile phone number, or SMS consent information with third parties or affiliates for marketing or promotional purposes.

No mobile opt-in data will be shared with third parties for marketing purposes. Information may be shared only with service providers necessary to operate our business or when required by law.

Contact Us

If you have any questions regarding this Privacy Policy, please contact:

Lending Hand Inc.
Phone: 574-583-0004
Email: office@lendinghandinc.com
Website: lendinghandinc.com