Privacy Policy

1. Introduction

Little Lake Lending ("Company," "we," "us," or "our"), a tribal lending entity wholly owned by the Big Valley Band of Pomo Indians, respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website littlelakelendingloans.com (the "Site") or use our lending services.

Please read this Privacy Policy carefully. By accessing or using our Site or services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

2. Information We Collect

2.1 Personal Information You Provide

When you apply for a loan or use our services, we may collect:

• Identity Information: Full legal name, date of birth, Social Security Number (SSN), government-issued ID
• Contact Information: Email address, phone number, mailing address
• Financial Information: Bank account details, income information, employment details, credit history
• Loan Information: Requested loan amount, loan purpose, repayment preferences

2.2 Information Collected Automatically

When you visit our Site, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Information: Pages visited, time spent on pages, referring website, click patterns
• Location Information: General geographic location based on IP address

2.3 Information from Third Parties

We may receive information about you from:

• Credit bureaus and consumer reporting agencies
• Identity verification services
• Banking and financial institutions
• Marketing partners (with your consent)

3. How We Use Your Information

We use your information to:

• Process and evaluate your loan application
• Verify your identity and prevent fraud
• Service your loan account and process payments
• Communicate with you about your account
• Comply with legal and regulatory requirements
• Improve our products and services
• Send marketing communications (with your consent)
• Report your payment history to credit bureaus

4. How We Share Your Information

We may share your information with:

4.1 Service Providers

Third parties who help us operate our business, including:

• Payment processors and banking partners
• Credit bureaus and consumer reporting agencies
• Identity verification services
• Customer service providers
• IT and security service providers

4.2 Legal Requirements

We may disclose information when required by:

• Federal, state, or tribal law
• Court orders or legal process
• Law enforcement requests
• To protect our rights or the safety of others

4.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4.4 With Your Consent

We may share information with third parties when you have given us explicit consent to do so.

5. Credit Reporting

We may report your loan payment history to one or more credit bureaus (Equifax, Experian, TransUnion). Timely payments may help build your credit history. Late or missed payments may negatively affect your credit score.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• 256-bit SSL/TLS encryption for data transmission
• Encrypted storage of sensitive data
• Firewalls and intrusion detection systems
• Regular security assessments and audits
• Employee training on data protection
• Access controls limiting data access to authorized personnel

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Your Rights and Choices

7.1 Access and Correction

You may request access to or correction of your personal information by contacting us at the information provided below.

7.2 Marketing Communications

You may opt out of marketing communications by:

• Clicking "unsubscribe" in any marketing email
• Contacting us directly to update your preferences

7.3 Do Not Track

Our Site does not currently respond to "Do Not Track" signals from web browsers.

7.4 California Residents

California residents may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, delete personal information, and opt out of the sale of personal information. To exercise these rights, contact us using the information below.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Analyze site traffic and usage
• Personalize content
• Prevent fraud

You can control cookies through your browser settings. Disabling cookies may affect site functionality.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy
• Comply with legal and regulatory requirements
• Resolve disputes and enforce agreements

Generally, we retain loan records for a minimum of seven (7) years after the loan is paid off or charged off.

11. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy on our Site
• Updating the "Last Updated" date
• Sending email notification for significant changes

Your continued use of our services after changes constitutes acceptance of the updated Privacy Policy.

13. Tribal Sovereignty Notice

Little Lake Lending is a tribal lending entity wholly owned by the Big Valley Band of Pomo Indians, a federally recognized sovereign Indian tribe. As a sovereign tribal enterprise, our lending operations are conducted in accordance with tribal law and applicable federal regulations.

14. Contact Us

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