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Privacy Policy

Last updated: November 12, 2025 This Privacy Policy explains how Laz The Lender (“Laz The Lender,” “we,” “us,” or “our”) collects, uses, and protects information when you visit https://lazthelender.com (the “Site”) or interact with us through our forms, phone calls, text messages, or other services. By using this Site, you agree to the practices described in this Privacy Policy. If you do not agree, please do not use the Site.

1. Information We Collect

We may collect two main types of information: personal information and non-personal information.

1.1. Personal Information You Provide

We may collect personal information that you voluntarily provide, including (but not limited to):

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Property details (purchase price, loan amount, etc.)
  • Financial information you choose to submit through forms (income range, credit profile details, etc.)
  • Any other information you choose to provide in a message or application

You may provide this information when you:

  • Fill out a contact form or pre-qualification form
  • Request a consultation or rate quote
  • Subscribe to email updates
  • Respond to surveys or marketing campaigns
  • Communicate with us by phone, email, SMS, or through the Site

You are not required to provide personal information to browse the Site, but certain features may not be available without it.

1.2. Information Collected Automatically

When you visit the Site, we may automatically collect certain non-personal information, such as:

  • IP address
  • Browser type and version
  • Device type and operating system
  • Referring website or URL
  • Pages visited, time spent on pages, and click behavior
  • General location (city/region, based on IP)

This information is typically collected using cookies, pixels, and similar technologies to help us understand how visitors use the Site and to improve performance.

1.3. Information from Third Parties

We may receive information about you from:

  • Referral partners (such as real estate agents)
  • Third-party lead providers
  • Advertising platforms (e.g., Google, Facebook, Instagram)
  • Lender partners we work with in the mortgage process

We use this information to follow up on your requests, verify details, or offer relevant mortgage options.

2. How We Use Your Information

We may use the information we collect for the following purposes:

  • To provide and manage services
    • Responding to inquiries and consultation requests
    • Evaluating your eligibility for different loan programs
    • Connecting you with lender partners and mortgage products 
  • To improve customer service
    • Helping us respond more efficiently to questions and support needs 
  • To personalize your experience
    • Understanding how visitors use the Site to make content and offers more relevant 
  • To improve our Site and marketing
    • Analyzing trends and user behavior to enhance design, content, and advertising 
  • To send communications
    • Sending information you request (rate quotes, guides, updates)
    • Providing reminders, follow-ups, and important notices about your inquiry 
  • To comply with legal and regulatory obligations
    • Meeting mortgage industry, anti-fraud, and record-keeping requirements 

3. Cookies and Tracking Technologies

Our Site may use cookies, pixels, and similar technologies to:

  • Remember your preferences
  • Analyze Site traffic and usage patterns
  • Measure the performance of ads and content

You can usually set your browser to refuse cookies or to notify you when cookies are being placed. If you disable cookies, some parts of the Site may not function properly.

4. How We Share Your Information

We may share your information in the following ways:

  • With service providers We may share information with third-party vendors who help us operate the Site, manage communication, or provide services (for example, hosting providers, CRM systems, email platforms, or analytics tools).
  • With lender partners and related mortgage service providers When you request information about mortgage options or begin the loan process, we may share relevant details with lender partners or other professionals involved in your transaction (such as processors or underwriters), as allowed or required in the mortgage process.
  • For legal and compliance reasons We may disclose information when we believe in good faith that it is required to:
    • Comply with applicable laws, regulations, or legal processes
    • Respond to lawful requests by public authorities
    • Protect the rights, property, or safety of our business, our clients, or others 
  • Business transfers In the event of a merger, acquisition, or similar business transaction, your information may be transferred as part of that transaction. 

We do not sell your personal information for cash. If we ever use your information for broader marketing partnerships, it will be done in alignment with applicable law and with appropriate disclosures.

5. SMS (Text Messaging) and Phone Communications

If you provide your mobile phone number, you may receive SMS messages or phone calls related to:

  • Your inquiry or loan options
  • Appointment confirmations or reminders
  • Updates about your application or next steps
  • Occasional service-related messages or important notices

Message frequency may vary. Standard message and data rates from your carrier may apply.

  • You can opt out of SMS at any time by replying “STOP” to any message we send.
  • For assistance, you may reply “HELP” or contact us using the information in the “Contact Us” section below.

Text messaging opt-in data and consent will be handled in accordance with this Privacy Policy and is not shared with third parties except as necessary to deliver the SMS service or as required by law.

6. Data Security

We use reasonable technical and organizational measures to help protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures may include secure servers, encryption in transit where appropriate, and restricted access to personal data. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain personal information for as long as necessary to:

  • Fulfill the purposes described in this Privacy Policy
  • Provide our services and complete your transactions
  • Comply with legal, accounting, or regulatory requirements

When information is no longer needed, we may delete it or anonymize it, subject to applicable laws and our internal policies.

8. Your Privacy Rights & Choices

Depending on where you live, you may have certain rights regarding your personal information, such as the right to:

  • Access the personal information we hold about you
  • Request correction or updates to inaccurate or incomplete data
  • Request deletion of your information, subject to legal retention obligations
  • Object to or limit certain types of processing
  • Opt out of marketing communications

To exercise these rights, please contact us using the information in the “Contact Us” section. We may need to verify your identity before fulfilling your request. You can also:

  • Opt out of marketing emails by following the unsubscribe link included in our emails.
  • Opt out of SMS by replying “STOP” to any text message we send.
     

9. Third-Party Links and Websites

Our Site may contain links to third-party websites (such as lender portals, calculators, real estate sites, or social media platforms). We are not responsible for the privacy practices or content of those third-party sites. When you follow a link to another website, your use of that site is governed by that site’s own terms and privacy policy. We recommend reviewing their privacy policies before providing any personal information.

10. Children’s Privacy

Our services and Site are not directed to children under the age of 13, and we do not knowingly collect 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 that information as soon as reasonably possible. If you believe a child under 13 has provided us with personal information, please contact us.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. We encourage you to review this page periodically to stay informed about how we collect, use, and protect your information. Your continued use of the Site after changes are posted will signify your acceptance of those changes.

12. Contact Us

If you have any questions about this Privacy Policy, or if you would like to exercise your privacy rights, please contact:

Laz The Lender
Email: lazthelender@gmail.com
Phone: (973) 641-8186