Privacy Policy

1. Introduction

Hard Money Lenders of Houston (hardmoneylendersofhouston.com) is a lead generation and advertising service operated by Lead Skills, LLC ("we," "our," or "us") that connects prospective borrowers with participating hard money lenders. Hard Money Lenders of Houston is not a lender, does not take loan applications, does not make credit decisions, and does not fund loans. Because we collect and share financial information in connection with a consumer's request for a financial product, our information practices are subject to the federal Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. §§ 6801–6809, and its implementing regulations, including the FTC Safeguards Rule (16 C.F.R. Part 314) and the Privacy of Consumer Financial Information rule (16 C.F.R. Part 313). This Privacy Policy explains what information we collect, how we use and share it, and the choices available to you.

2. Information We Collect

We collect the following categories of information from and about consumers:

• Identifiers: name, postal address, email address, telephone number, and IP address.
• Property and investment information: property address, property type, purchase price, estimated value, renovation scope, exit strategy, and investment experience.
• Financial information: requested loan amount, loan-to-value, credit-related information you voluntarily provide, and similar details necessary to match you with a participating lender.
• Usage data: device type, browser, pages viewed, referring URL, and analytics events collected through cookies and similar technologies.
• Communication records: messages, emails, call recordings (where permitted), and correspondence you exchange with us.

3. How We Use Your Information

• Match you with one or more participating lenders based on your inquiry.
• Respond to questions, provide customer support, and communicate about the status of your inquiry.
• Operate, maintain, monitor, and improve the website and our matching service.
• Detect, prevent, and respond to fraud, abuse, security incidents, and other unlawful activity.
• Comply with legal obligations and enforce our Terms of Service.

4. How We Share Your Information (GLBA Disclosure)

Consistent with 16 C.F.R. Part 313, we disclose nonpublic personal information about consumers as follows:

• Participating lenders: when you submit a financing inquiry, your information will be shared with one or more participating hard money lenders who may contact you regarding your inquiry. Each participating lender is responsible for its own use of your information under its own privacy policy.
• Service providers: vendors that help us operate the website, deliver email and SMS, host data, verify submissions, process analytics, and perform similar functions, bound by written agreements limiting their use of the information.
• Legal, compliance, and safety: when required by law, subpoena, court order, or regulator, or to protect the rights, property, or safety of Lead Skills, LLC, our users, or the public.
• Business transfers: in connection with a merger, acquisition, financing, reorganization, or sale of all or a portion of our assets.

We do not sell your personal information for unrelated third-party marketing purposes. Compensation we receive from participating lenders is for advertising and lead generation services, not for referrals.

5. Your Right to Limit Sharing

By submitting a financing inquiry through our website and checking the consent box, you authorize us to share your information with one or more participating lenders so they may contact you regarding your inquiry. If you do not want your information shared with participating lenders, do not submit an inquiry.

You may also contact us to request that your information be removed from our database, to withdraw your prior consent to be contacted, or to limit further sharing. Opt-out requests may be sent to [email protected] or (713) 940-6146. A request to opt out of sharing with participating lenders will generally prevent us from providing the matching service, because the matching service requires that sharing.

A current list of participating lenders is available upon request. Contact [email protected] or (713) 940-6146 to request the list.

6. Data Security

Lead Skills, LLC maintains a written information security program with administrative, technical, and physical safeguards reasonably designed to protect the confidentiality, integrity, and availability of nonpublic personal information, consistent with the FTC Safeguards Rule (16 C.F.R. Part 314). The program includes access controls, encryption of data in transit, vendor oversight, periodic risk assessments, workforce training, and incident response procedures, and is reviewed and updated periodically. No method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Choices

• Access and correction: request a copy of the information we hold about you or ask us to correct inaccuracies.
• Deletion: request deletion of your information, subject to legal record-retention obligations.
• SMS/text: opt out at any time by replying STOP to any text message.
• Phone: ask any caller from our network to place your number on their internal do-not-call list, or call (713) 940-6146 to opt out from us.
• Email: use the unsubscribe link in any marketing email or email [email protected].

8. Children's Privacy

This website and our services are directed to adults and are not intended for children under 18. We do not knowingly collect personal information from children under 18. If you believe a child has provided us with personal information, please contact us so we can delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by the "Last Updated" date above. Continued use of the website after an update constitutes acceptance of the revised Policy.

10. Contact

For privacy-related questions or to exercise any of your rights, contact Lead Skills, LLC at [email protected] or (713) 940-6146. Mailing address: 600 Travis St, Houston, TX 77002.