Privacy Notice

Website Privacy Notice (Short-Form Summary)

Effective Date: [12.23.2025]

The Institution respects your privacy and is committed to protecting your personal information.

Information We Collect: We collect personal and financial information you provide through our website, loan applications, and communications, as well as limited website usage data.

How We Use Information: Information is used to evaluate and service loans, communicate with you, comply with legal requirements, and improve our services.

Information Sharing: We do not sell personal information. We share information only with service providers, regulators, or others as required or permitted by law.

Data Security: We use reasonable administrative, technical, and physical safeguards to protect your information.

Your Choices: Where permitted by law, you may request access to or correction of your information by contacting us.

This notice summarizes our Privacy Policy. The full Privacy Policy governs and is available upon request or on our website.

Privacy Policy (Public-Facing)

Purpose

This Privacy Policy explains how the Institution collects, uses, protects, and shares personal information obtained through its website, loan applications, and related services. The Institution is committed to respecting the privacy and dignity of all individuals and to handling information in a manner consistent with its religious mission, applicable law, and ethical standards.

Scope

This policy applies to all visitors to the Institution’s website, loan applicants, borrowers, donors, and other individuals who provide personal information to the Institution.

Information We Collect

The Institution may collect the following categories of information:

• Personal Identifiers: Name, address, email address, telephone number, and date of birth.
• Financial Information: Income, assets, liabilities, credit history, bank account information, and loan-related data.
• Identification Information: Government-issued identification where required for lending or compliance purposes.
• Website Information: IP address, browser type, device information, and website usage data collected through cookies or similar technologies.

How We Use Information

Personal information is used for legitimate business and ministry purposes, including:

• Processing loan applications and servicing loans.
• Communicating with applicants, borrowers, donors, and stakeholders.
• Complying with legal, regulatory, and reporting requirements.
• Improving our website, services, and outreach.

Information Sharing and Disclosure

The Institution does not sell personal information. Information may be shared only:

• With service providers and vendors who perform services on our behalf and are contractually required to protect confidentiality.
• With regulators, auditors, or legal authorities as required by law.
• With affiliated religious or charitable entities, where appropriate and consistent with the Institution’s mission, and only to the extent permitted by law.

Data Security

The Institution employs administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure.

Cookies and Website Technologies

The website may use cookies or similar technologies to enhance functionality and analyze usage. Users may adjust browser settings to refuse cookies; however, some features may not function properly.

Individual Rights

Where applicable by law, individuals may request access to, correction of, or deletion of their personal information by contacting the Institution.

Changes to This Policy

The Institution may update this Privacy Policy from time to time. Updates will be posted on the website with the effective date.

Contact Information

If you have any questions regarding this Privacy Policy or our data practices, please contact us at contact@lydiamutual.org.