Data Deletion Instructions

What data we hold

Depending on how you've interacted with us, we may hold:

• Website tracking data: anonymized event data sent to our analytics and advertising partners (Google Analytics 4, Google Ads, Meta Pixel + Conversions API), such as page views, funnel progression, and ad click identifiers. This data is tied to browser cookies, not to your name or email.
• Meta ad engagement data: if you interacted with a Lendtrain ad on Facebook or Instagram, Meta may have records of your interaction in our advertising systems.
• Quote request parameters: if you used our Chat API or the Plugin to request a rate quote, the loan parameters you provided (balance, rate, state, credit score range) were processed in real time and not persisted on our servers.
• Loan application data: if you submitted a mortgage application through our secure application portal, that system retains your data separately. Deletion requests for the application portal are handled by our loan origination provider; email us and we will forward your request.

How to request deletion

Include in your email:

• Your full name
• Your email address and phone number (if you used them to interact with us)
• If requesting deletion of Meta ad-engagement data: your Facebook user ID or the email linked to your Facebook account
• A brief description of which data you want deleted (“all data you hold about me” is acceptable)

We will acknowledge your request within 5 business days and complete deletion within 30 days, as required by the California Consumer Privacy Act and similar state privacy laws. If we need more time for a complex request, we will notify you of the delay and provide an estimated completion date.

What we cannot delete

Some records must be retained to comply with law and cannot be deleted:

• Loan files: under federal mortgage regulations (including the Truth in Lending Act, Real Estate Settlement Procedures Act, and Equal Credit Opportunity Act), we are required to retain loan-application records for 25 months to several years after a credit decision. Deletion of these records is not permitted during the retention period.
• Financial and tax records: transaction records required by the IRS and state tax authorities.
• Anonymized aggregate analytics: data that has been irreversibly aggregated and cannot be tied back to you. This data is not personal data under most privacy laws.

Deletion from third-party services

To delete data held by our advertising and analytics partners directly, use their own tools:

• Google (Analytics + Ads): manage your data at myactivity.google.com and adssettings.google.com.
• Meta (Facebook + Instagram): manage your data at Meta Accounts Center > Your Information and Permissions. To delete Lendtrain-specific ad-interaction data, request deletion from us via the email above and we will instruct Meta to remove your data from our advertising datasets.

Verification

To prevent unauthorized deletion, we may ask you to verify your identity before processing your request. We will not ask for your Social Security number, bank account information, or password. Typically we match the email address on your request against records we hold, and may ask for one additional confirming detail (such as the approximate date you contacted us).

Your other privacy rights

Deletion is one of several rights. Depending on your state, you may also have the right to know what personal information we collect, to correct inaccurate information, and to opt out of the “sale” or “sharing” of your information for cross-context behavioral advertising. See our Privacy Policy for the full list of rights and how to exercise them.