Privacy Policy

Effective Date: March 28, 2025

LendKoi Inc. ("LendKoi," "we," "us," or "our") values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with our website located at https://lendkoi.com and related services (collectively, the “Site”).

PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you access or use the Site or submit information to or through the Site, you consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy.

1. Information We Collect

We currently collect only the following personal information:

• Email Address: When you voluntarily sign up for our waitlist, we collect your email address to notify you about our launch and future services.

• Automatically Collected Data: We may collect information about your use of the Site automatically that may identify your computer or device through cookies and analytics tools, such as IP addresses, device type, and browsing behavior.
• A cookie is a small file containing a string of characters that is sent to your computer when you visit a website or use an online service. When you visit the website or use the service again, the cookie allows that website or online service to recognize your browser or device. Cookies may store unique identifiers, user preferences and other information.
• We may use “session cookies” or “persistent cookies.” Session cookies are temporary and expire once you close your browser or once your session ends. Persistent cookies remain on your device for much longer or until you or your browser erase them. Persistent cookies have varying durations that are dependent on their expiration date.
• We may also use third-party cookies, like Google Analytics, which set cookies on the Site to help analyze how visitors use the Site. If you would like to opt-out from the use of your information by Google Analytics, you may use Google Analytics’ opt-out browser add-on designed for this purpose.
• Cookies help us improve the Site by providing us with information about which parts of the Site are most popular, enabling us to analyze technical and navigational information about the Site, and helping us to detect and prevent fraud. We also use cookies to help improve your experience with the Site.
• Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit https://allaboutcookies.org. Some web browsers provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user’s computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Site.

2. How We Use Your Information.

We use the information we collect for the following purposes:

• To communicate with you about LendKoi Inc.’s upcoming launch and related services.
• To provide our Site.
• To improve our Site and services based on user engagement.
• As we believe to be necessary or appropriate: (i) under applicable law; (ii) to comply with legal and regulatory processes; (iii) to respond to requests from public and government authorities; (iv) to enforce this Privacy Policy; (v) to protect our operations; (vi) to protect our rights, privacy, safety or property, and/or that of you or others; and (vii) to allow us to pursue available remedies or limit the damages that we may sustain.
• To enhance security, prevent and detect fraud or illegal activities, and maintain service integrity.
• For our other business purposes, such as data analytics, audits, developing new services, identifying Site usage trends and for archival and backup purposes in connection with the provision of the Site.

3. Sharing of Information

We may share your information in the following situations:

• Service Providers: We disclose your personal information to our service providers to perform the functions for which we engage them. For example, we may use third-party vendors to host the Site, assist us in providing functionality on the Site or help manage our email communications and website analytics.
• Legal Obligations: We may disclose information if required by law, regulation, or legal process, such as to respond to a subpoena, binding order of a data protection agency, or governmental request. We may also share information as needed to enforce our rights, protect our property, or protect the rights, property, or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We may further share information as required to pursue available remedies or limit damages we may sustain.
• Business Transfers: In the event of a corporate transaction, such as a merger, acquisition, divestiture, consolidation, sale of assets or in the unlikely event of bankruptcy, your information may be transferred as part of that transaction.

We do not share your personal information with third parties for those third parties’ direct marketing purposes.

4. Your Choices and Rights

• Opt-Out: You can opt out of receiving emails from us at any time by clicking the "unsubscribe" link in any email or by contacting us at hello@lendkoi.com.
• Data Deletion: If you would like to remove your email address from our records, please contact us at hello@lendkoi.com.
• Cookie Preferences: You can manage cookie settings in your web browser. See Section 1 above for additional details.

5. Do Not Track

Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us

6. Children

Our Site is not directed to or designed to attract children under the age of 13. We do not knowingly collect or maintain personal information from children under 13. If we become aware that we have collected personal information from a child under 13, we will take steps to delete such information. If you believe we may have collected information from a child under 13, please contact us at hello@lendkoi.com.

7. Data Security

We implement reasonable security measures to protect your information from unauthorized access, use, or disclosure. However, no method of data transmission over the internet is completely secure.

8. Third-Party Links

Our Site may contain links to third-party websites and online services. Any access to and use of such third-party websites or online services is not governed by this Privacy Policy, but is instead governed by the privacy policies of those third-party websites or online services. We are not responsible for the privacy practices of such third-party websites or online services.

9. Nevada Residents

Under Nevada law, we do not sell your personal information. However, if you are a Nevada resident, you may submit a request that we not sell any personal information we have collected about you by contacting us at hello@lendkoi.com.

10. Changes to This Policy

The effective date of this Privacy Policy is set forth at the top of this page. We may update this Privacy Policy from time to time. Any changes will be posted to this page on our Site with a revised effective date. Accordingly, please refer back to this page frequently as it may change.

11. Contact Us

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

LendKoi Inc.

3225 N. Hiatus Road

PO BOX #450130

Sunrise, FL 33345

Email: hello@lendkoi.com

By using our Site and signing up for our waitlist, you acknowledge that you have read and understood this Privacy Policy.