Privacy Policy for Roadway Lending, LLC
Last Updated: May 24, 2025
Welcome to Roadway Lending, LLC ("we," "us," "our," or “Roadway Lending”). We are committed to protecting your privacy and handling your personal information with transparency and care. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website https://www.roadwaylending.com (the "Site") and use our services.
Please read this Privacy Policy carefully. If you do not agree with the terms of this Privacy Policy, please do not access the Site or use our services.
1. Information We Collect
We may collect personal information from you in a variety_of_ways, including:
Personally Identifiable Information (PII): This is information that can be used to identify you specifically. The types of PII we may collect include:
Contact Data: Your name, email address, postal address, phone number.
Data Sharing
Customer data is not shared with 3rd parties for promotional or marketing purposes.
Mobile opt-in and consent are never shared with anyone for any purpose. Any information sharing that may be mentioned elsewhere in this policy excludes mobile opt-in data.
Messaging Terms and Conditions
By providing your phone number and agreeing to receive texts, you consent to receive text messages from Roadway Lending LLC, from 855-776-2392 regarding account notifications, customer care, delivery notifications, marketing, etc. Consent is not a condition of purchase or service. Message frequency varies. Message and data rates may apply. You can reply STOP to unsubscribe at any time or HELP for assistance. You can also contact us at 855-776-2392 or info@roadwaylending.com. Mobile opt-in information is never shared with third parties.
Identification Data: Social Security number (in limited circumstances and with your explicit consent for specific services), date of birth, driver's license number, passport number, or other government-issued identification.
Financial Data: Bank account numbers, credit or debit card numbers, investment information, income details, transaction history, credit reports, and other financial information necessary to provide our services.
Account Data: Username, password, security questions and answers, and other account credentials.
Communications: Records and copies of your correspondence if you contact us (e.g., emails, chat logs).
Non-Personally Identifiable Information (Non-PII): This is information that does not directly identify you. We may collect this information automatically as you navigate through the Site or use our services. This may include:
Usage Data: Information about how you use the Site and our services, such as your IP address, browser type, operating system, referring URLs, access times, pages viewed, and links clicked.
Device Information: Information about the computer or mobile device you use to access our Site, such as the hardware model, operating system and version, unique device identifiers, and mobile network information.
Location Data: We may collect information about your general location (e.g., based on your IP address) or, with your consent, more precise location information.
Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to collect information about your Browse activities. You can control the use of cookies at the individual browser level. For more information, please see our "Cookies and Tracking Technologies" section below.
2. How We Use Your Information
We use the information we collect for various purposes, including:
To Provide and Manage Our Services:
To create and manage your account.
To process your transactions and provide the financial services you request.
To verify your identity and prevent fraud.
To communicate with you about your account, transactions, and our services.
To Improve Our Site and Services:
To understand how users interact with our Site and services.
To personalize your experience on our Site.
To develop new products and services.
To monitor and analyze trends, usage, and activities.
For Security Purposes:
To protect the security and integrity of our Site, services, and user data.
To detect and prevent fraud, unauthorized access, and other illegal activities.
For Legal and Compliance Purposes:
To comply with applicable laws, regulations, legal processes, and governmental requests (e.g., anti-money laundering (AML) and know-your-customer (KYC) requirements).
To enforce our terms and conditions and other agreements.
For Marketing Purposes:
With your consent where required, to send you promotional materials, newsletters, and other information about products and services that may be of interest to you. You can opt-out of receiving marketing communications at any time.
3. How We Share Your Information
We do not sell your personal information. We may share your information in the following circumstances:
With Service Providers: We may share your information with third-party vendors, consultants, and other service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance. These service providers are contractually obligated to protect your information and are restricted from using your personal information for any other purpose.
With Financial Partners: To provide certain financial services, we may share your information with our financial partners, such as banks, credit bureaus, and other financial institutions, as necessary to process transactions or provide requested services.
For Legal Reasons and to Protect Our Rights: We may disclose your information if we believe it is necessary to:
Comply with any applicable law, regulation, legal process, or governmental request.
Enforce our agreements, policies, and terms of service.
Protect the rights, property, or safety of Roadway Lending, our users, or others.
Detect, prevent, or otherwise address fraud, security, or technical issues.
In Connection with Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business by another company. We will notify you before your personal information is transferred and becomes subject to a different privacy policy.
With Your Consent: We may share your information with other third parties with your explicit consent.
4. Data Security
We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include:
Encryption of sensitive data (e.g., Social Security numbers, financial account information) in transit and at rest.
Secure server infrastructure and access controls.
Regular security assessments and vulnerability testing.
Employee training on data security and privacy best practices.
However, please be aware that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
5. Data Retention
We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements, and to resolve disputes. The retention period may vary depending on the type of information and the purposes for which it is used.
When we no longer need your personal information, we will securely delete or anonymize it.
6. Your Rights and Choices
Depending on your jurisdiction and applicable law, you may have certain rights regarding your personal information, including:
Right to Access: You may have the right to request access to the personal information we hold about you.
Right to Rectification: You may have the right to request that we correct any inaccurate or incomplete personal information.
Right to Erasure (Right to be Forgotten): You may have the right to request that we delete your personal information, subject to certain exceptions.
Right to Restrict Processing: You may have the right to request that we restrict the processing of your personal information in certain circumstances.
Right to Data Portability: You may have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit that data to another controller.
Right to Object: You may have the right to object to the processing of your personal information in certain circumstances, including for direct marketing purposes.
Right to Withdraw Consent: If we are processing your personal information based on your consent, you have the right to withdraw your consent at any time.
Opt-Out of Marketing Communications: You can opt-out of receiving promotional emails from us by following the unsubscribe instructions provided in those emails or by contacting us directly.
To exercise any of these rights, please contact us using the contact information provided below. We will respond to your request in accordance with applicable law. We may need to verify your identity before processing your request.
7. Cookies and Tracking Technologies
We and our service providers use cookies, web beacons, and other similar tracking technologies to collect information about your Browse behavior on our Site.
Cookies: Cookies are small text files stored on your device that allow us to recognize your browser, remember your preferences, and enhance your user experience. You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our Site.
Web Beacons: Web beacons (also known as pixel tags or clear GIFs) are small electronic images that may be used on our Site or in our emails to help deliver cookies, count visits, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.
We may use both session cookies (which expire when you close your browser) and persistent cookies (which stay on your device until they expire or you delete them).
8. Children's Privacy
Our Site and services are not intended for individuals under the age of 18 (or the age of majority in your jurisdiction). We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take reasonable steps to delete such information. If you believe we might have any information from or about a child, please contact us.
9. Third-Party Links
Our Site may contain links to third-party websites and services that are not owned or controlled by [Your Financial Website Name]. This Privacy Policy does not apply to the practices of these third parties. We encourage you to review the privacy policies of any third-party websites or services you visit.
10. International Data Transfers
Your information may be transferred to, stored, and processed in countries other than your own, including the United States, where our servers are located and our central database is operated. These countries may have data protection laws that are different from the laws of your country. We will take appropriate safeguards to ensure that your personal information remains protected in accordance with this Privacy Policy and applicable data protection laws.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational or regulatory reasons. We will post any changes on this page and update the "Last Updated" date at the top of this Privacy Policy. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of the Site or our services after any changes to this Privacy Policy will constitute your acceptance of such changes.
12. Contact Us
If you have any questions, comments, or concerns about this Privacy Policy or our privacy practices, or if you wish to exercise your rights, please contact us at:
Https://www.roadwaylending.com or info@roadwaylending.com.
Roadway Lending Privacy Policy
Last Updated: May 24, 2025
1. Introduction
Welcome to Roadway Lending ("we," "us," "our"). We are committed to protecting your privacy and handling your personal and financial information with transparency and security. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website https://www.roadwaylending.com, use our services, or interact with us.
This Privacy Policy is designed to comply with applicable privacy laws and regulations, including Gramm-Leach-Bliley Act (GLBA), General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA)/California Privacy Rights Act (CPRA). Please read this policy carefully. By using our website and services, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy.
If you do not agree with the terms of this Privacy Policy, please do not access or use our website or services.
2. Information We Collect
We may collect various types of information in connection with the services we provide, including:
Personal Identification Information (PII):
Full name, date of birth, Social Security number (or other national identifiers).
Contact details (e.g., address, email address, phone number).
Account login credentials (e.g., username, password).
Government-issued identification (e.g., driver's license, passport).
Financial Information (Nonpublic Personal Information - NPI):
Bank account numbers, credit/debit card numbers, and other payment information.
Investment account details, transaction history, and financial goals.
Income, assets, liabilities, and credit history.
Information related to your financial transactions with us or our affiliates.
Technical Information:
IP address, browser type and version, operating system, device type.
Usage data, such as pages visited, time spent on pages, links clicked, and other actions taken on our website.
Information collected through cookies, web beacons, and similar tracking technologies (see Section 7: "Cookies and Tracking Technologies").
Communication Information:
Records of your communications with us, including emails, chat logs, and phone call recordings (where permitted by law).
Information from Third Parties:
Information from credit bureaus to assess creditworthiness.
Information from identity verification services.
Information from your other financial institutions if you authorize us to access it.
Information from publicly available sources.
3. How We Collect Your Information
We collect information in the following ways:
Directly from You: When you register for an account, apply for services, fill out forms, make transactions, communicate with us, or otherwise provide information to us.
Automatically: When you access and use our website and services, we may collect technical and usage information automatically through cookies and other tracking technologies.
From Third-Party Sources: As described above, such as credit bureaus, identity verification services, and other financial institutions (with your consent where required).
4. How We Use Your Information
We use the information we collect for various purposes, including:
Providing and Managing Services:
To create and manage your account.
To process your transactions and applications.
To provide customer support and respond to your inquiries.
To personalize your experience on our website.
Security and Fraud Prevention:
To verify your identity and prevent fraud.
To protect the security of our website, systems, and your information.
To comply with legal and regulatory obligations.
Communication:
To communicate with you about your account, services, and updates to our policies.
To send you important notices and disclosures.
For marketing and promotional purposes, where permitted by law and with your consent if required (see Section 9: "Your Choices and Rights").
Improving Our Services:
To analyze website usage and improve our website design and functionality.
To develop new products and services.
For research and analytical purposes.
Legal and Regulatory Compliance:
To comply with applicable laws, regulations, court orders, and regulatory requests.
To enforce our terms and conditions.
5. How We Share Your Information
We do not sell your personal information. We may share your information in the following circumstances:
With Our Affiliates: We may share information with our affiliated companies for everyday business purposes, such as servicing your accounts, marketing our products and services to you (you may have the right to limit some of this sharing), and as permitted by law.
With Non-Affiliated Third-Party Service Providers: We may share information with third-party companies that perform services on our behalf, such as:
Payment processors.
Data analytics providers.
Identity verification services.
Customer support providers.
Marketing and communication providers.
IT and security service providers. These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.
For Legal Reasons and Protection: We may disclose your information if we believe it is necessary to:
Comply with applicable law, regulation, legal process, or governmental request.
Enforce our terms and conditions and other agreements, including for billing and collection purposes.
Protect our rights, property, or safety, or the rights, property, or safety of our users or others.
Detect, prevent, or otherwise address fraud, security, or technical issues.
In Connection with a Business Transfer: If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, receivership, sale of company assets, or transition of service to another provider, your information may be shared, sold, or transferred as part of that transaction as permitted by law and/or contract.
With Your Consent: We may share your information for other purposes with your explicit consent.
[For U.S. Financial Institutions subject to GLBA]:
You have the right to limit some, but not all, sharing of your NPI. We will provide you with a separate GLBA Privacy Notice that explains your choices regarding the sharing of your information.
6. Data Security
We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, alteration, and disclosure. These measures include:
Encryption of sensitive data in transit and at rest.
Access controls to limit access to your information to authorized personnel.
Regular security assessments and updates to our security practices.
Secure data storage facilities.
However, please be aware that no security measures are perfect or impenetrable, and we cannot guarantee the absolute security of your information. The transmission of information via the internet is not completely secure. Any transmission of personal information is at your own risk.
7. Cookies and Tracking Technologies
We and our third-party service providers may use cookies, web beacons, and other similar tracking technologies to collect information about your Browse activities over time and across different websites when you use our website.
Cookies: Small data files stored on your device. We use cookies for various purposes, such as remembering your preferences, enabling an efficient user experience, and analyzing website traffic.
Web Beacons: Small electronic files (also known as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics.
Your Choices Regarding Cookies: Most web browsers are set to accept cookies by default. You can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our services. For more information on how to manage your cookie preferences, please refer to your browser's help documentation.
Do Not Track: Some web browsers may transmit "Do Not Track" signals to websites with which the browser communicates. Because of differences in how web browsers incorporate and activate this feature, it is not always clear whether users intend for these signals to be transmitted, or whether they even are aware of them. We currently do not take action in response to "Do Not Track" signals.
8. Data Retention
We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements, to resolve disputes, and to enforce our agreements.
The criteria used to determine our retention periods include:
The length of time we have an ongoing relationship with you and provide services to you.
Whether there is a legal obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them).
Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations).
9. Your Choices and Rights
Depending on your jurisdiction and applicable law, you may have certain rights regarding your personal information. These rights may include:
Right to Access: You may have the right to request access to the personal information we hold about you.
Right to Rectification: You may have the right to request that we correct any inaccurate or incomplete personal information.
Right to Erasure (Right to be Forgotten): You may have the right to request that we delete your personal information, subject to certain exceptions.
Right to Restrict Processing: You may have the right to request that we restrict the processing of your personal information under certain conditions.
Right to Data Portability: You may have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit that data to another controller.
Right to Object: You may have the right to object to the processing of your personal information under certain circumstances, including for direct marketing purposes.
Right to Opt-Out of Sale or Sharing (if applicable under CCPA/CPRA): We do not "sell" your personal information as traditionally defined. However, if our practices change or if applicable law requires, we will provide you with the ability to opt-out.
Right to Limit Use and Disclosure of Sensitive Personal Information (if applicable under CCPA/CPRA): You may have the right to limit our use and disclosure of your sensitive personal information to that which is necessary to perform the services or provide the goods reasonably expected by an average consumer.
Right to Withdraw Consent: Where we rely on your consent to process your personal information, you have the right to withdraw your consent at any time.
Marketing Communications: You can opt-out of receiving promotional emails from us by following the unsubscribe instructions provided in those emails. Please note that even if you opt-out of promotional communications, we may still send you non-promotional communications, such as those about your account or our ongoing business relations.
To exercise any of these rights, please contact us using the contact information provided in Section 13: "Contact Us." We will respond to your request in accordance with applicable law. We may need to verify your identity before processing your request.
10. Children's Privacy
Our website and services are not intended for individuals under the age of 18, depending on applicable laws like COPPA, GDPR, etc. We do not knowingly collect personal information from children under this age. If we become aware that we have collected personal information from a child under this age without verification of parental consent, we will take steps to delete that information. If you believe we might have any information from or about a child under this age, please contact us.
11. International Data Transfers
Your information may be transferred to, stored, and processed in countries other than your own, including the United States, where our servers are located and our central database is operated. These countries may have data protection laws that are different from the laws of your country.
If we transfer your personal information to other countries, we will take appropriate measures to ensure that your information is protected in accordance with this Privacy Policy and applicable data protection laws. For individuals in the European Economic Area (EEA), this may include an adequacy decision from the European Commission, standard contractual clauses, or other legally recognized transfer mechanisms.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational or regulatory reasons. We will post any changes on this page and update the "Last Updated" date at the top of this policy. If we make material changes to how we treat your personal information, we will notify you through a notice on our website home page, by email to the primary email address specified in your account, or through other means as appropriate.
We encourage you to review this Privacy Policy periodically to stay informed about our information practices. Your continued use of our website or services after any changes to this Privacy Policy will constitute your acceptance of such changes.
13. Contact Us
If you have any questions, concerns, or complaints about this Privacy Policy or our data handling practices, or if you wish to exercise your rights, please contact us at:
Roadway Lending at info@roadwaylending.com.