Effective as of December 03, 2025
This Privacy Policy describes how Prime Financial Technologies, Inc. (“we” or “us”) handles personal information that we collect through this website, platform, and any other sites or services that link to this Privacy Policy (collectively, the “Services”).
We and our service providers may automatically log information about you, your computer or mobile device, and your interactions over time with our Services, our communications and other online services, including:
We may use your personal information for research and development purposes, including to analyze and improve our Services and our business. As part of these activities, we may create aggregated, de-identified, or other anonymous data from personal information we collect. We make personal information into anonymous data by removing information that makes the data personally identifiable to you. We may use this anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve our Services and promote our business.
We may from time-to-time send you direct marketing communications as permitted by law, including, but not limited to, notifying you of special promotions, offers and events via email and in-app notifications. You may opt out of our marketing communications as described in the “Opt out of marketing communications” section below.
We may use personal information to:
We may share your personal information with third party companies and individuals that provide services on our behalf or help us operate our Services (such as lawyers, bankers, auditors, insurers, customer support, hosting, analytics, email delivery, marketing, and database management). These third parties also include entities that assist us in the administration, processing, servicing, and sale of your loan, such as fraud detection services, underwriting services, title companies, and financial institutions. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We may disclose your personal information to law enforcement, government authorities, and private parties, that we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above.
We may sell, transfer or otherwise share some or all of our business or assets, including your personal information, in connection with a business transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution. In such a case, we will make reasonable efforts to require the recipient to honor this Privacy Policy.
You may update your personal information in your account by logging in and editing your information or contact us at [email protected] or [email protected].
You may opt out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email. However, you may continue to receive service-related and other non-marketing emails.
There are a number of ways to limit online tracking, we have summarized some of the options below:
Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt out on every browser and device that you use.
Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit https://www.allaboutdnt.com.
Our Services may contain links to other websites, mobile applications, and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. In addition, our content may be included on web pages or in mobile applications or online services that are not associated with us. We do not control third party websites, mobile applications or online services, and we are not responsible for their actions. Other websites and services follow different rules regarding the collection, use and sharing of your personal information. We encourage you to read the privacy policies of the other websites and mobile applications and online services you use.
We employ a number of technical, organizational, and physical safeguards designed to protect the personal information we collect. However, no security measures are failsafe and we cannot guarantee the security of your personal information.
We reserve the right to modify this Privacy Policy at any time. If we make material changes to this Privacy Policy, we will notify you by updating the date of this Privacy Policy and posting it on the website.
Please direct any questions or comments about this Policy or our privacy practices to [email protected]
Rev. August 1, 2024
Welcome to Lead Bank!
We work hard to protect your personal information and ensure your information is kept private and secure. The following privacy policy outlines the types of personal information that Lead Bank ("Lead Bank") collects through our websites and services. It also explains why we collect your information and how we use it.
Privacy is important to Lead Bank. We will never rent or sell your information to anyone. If you have any questions or if you believe that Lead Bank has not adhered to this privacy policy, please send us a note at [email protected]. We reserve the right to amend this privacy policy at our discretion and at any time.
U.S. Consumer Privacy Notice
U.S. State Mandated Privacy Notice at Collection
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Lead Bank chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Lead Bank share? | Can you limit this sharing? |
|---|---|---|
For our everyday business purposes– such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
For our marketing purposes– to offer our products and services to you | Yes | No |
For joint marketing with other financial companies | Yes | No |
For our affiliates' everyday business purposes– information about your transactions and experiences | No | We don't share |
For our affiliates' everyday business purposes– information about your creditworthiness | No | We don't share |
For affiliates to market to you | No | We don't share |
For nonaffiliates to market to you | No | We don't share |
For questions? Call 866-845-9545, go to www.lead.bank or email [email protected]
Lead Bank
| What we do | |
|---|---|
| How does Lead Bank protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information. |
| How does Lead Bank collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. See below for more information on your rights under state law. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only
You should be aware that Lead Bank does not collect or share information for these purposes. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint marketing | A formal agreement between non-affiliated financial companies that together market financial products or services to you.
|
Lead Bank is chartered under the laws of the State of Missouri and is subject to regulatory oversight by the FDIC. Any consumer wishing to file a complaint against Lead Bank should contact the FDIC through one of the following means: In person, by U.S. Mail: 1100 Walnut Street; Suite 2100; Kansas City, MO 64106, by Telephone (800) 209-7459, or Online at: https://ask.fdic.gov/FDICCustomerAssistanceForm
Several U.S. states, including California, have enacted or will soon enact consumer privacy laws that grant their residents certain rights and require additional disclosures. If you are a resident of California or one of these states, you may have rights granted under the applicable state law. Learn more about your privacy rights.
VT: Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described above. For joint marketing, we will only disclose your name, contact information and information about your transactions.
NV: We are providing you this notice pursuant to Nevada law. For more information, contact us at 866-845-9545, or email [email protected], with "Nevada Annual Notice" in the subject line. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1–702–486–3132; email [email protected].
CA: Accounts with a California mailing address are automatically treated as if they have limited the sharing with nonaffiliates as described above. If you are a California resident and would like to exercise additional choices over your data, please review the California Consumer Privacy Act of 2018 and California Privacy Rights Acts in the next section.
Several U.S. states, including California, have enacted or will soon enact consumer privacy laws that grant their residents certain rights and require additional disclosures (collectively, "State Privacy Laws"). If you are a resident of one of these states, this section applies to you and supplements the information contained in Lead Bank's Privacy Policy.
As explained in our Privacy Policy, both federal and state laws require us to tell you how we collect, use, share, and protect your personal information. As a result, our data collection practices are generally governed by federal law, including the Gramm-Leach-Bliley Act ("GLBA"). However, certain information collected may be out of scope of federal laws and instead covered by State Privacy Laws. Under the California Consumer Privacy Act of 2018 ("CCPA"), as amended by the California Privacy Rights Act ("CPRA") of 2020 and other California laws (collectively, the "CCPA"), this may also include information about employees and employee applicants as well as enterprise data (such as business-to-business).
This notice is intended to provide information required under State Privacy Laws, including the CCPA. This notice applies to the data collection and processing practices of Lead Bank (collectively, "Lead Bank" or "we").
We do not and will not sell consumer personal information in the traditional and colloquial sense of the word sale. We do not use advertising technology on our website, which under some State Privacy Laws may be considered a "sale" or "share" of your information. In the preceding twelve (12) months, we have not "sold" or "shared" consumers' personal information, as defined under State Privacy Laws. We do not engage in targeted advertising.
We also do not offer financial incentives, preferential service agreements, or any other differences in our prices or services in exchange for your data.
Under the State Privacy Laws, you may have the following rights, including the right to (1) request to know more about the categories and specific pieces of personal information we collect, use, and disclose and access your personal information, including receive the information in a portable format, (2) request deletion of your personal information, (3) request correction of inaccurate personal information, (4) request to limit the use and disclosure of sensitive personal information, and (5) not be discriminated against for exercising these rights ("Data Subject Requests").
This section describes consumers' rights under the State Privacy Laws and explains how you can exercise those rights with Lead Bank.
Under certain State Privacy Laws, you have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and verify your Data Subject Requests, we will delete your personal information from our records (and direct our service providers to delete your personal information from their records), unless an exception applies.
Certain personal information that we collect and use to provide you with financial services, and which Lead Bank is obligated by federal law and/or regulations to retain, cannot be deleted upon request.
We also may deny your Data Subject Requests to delete if retaining the information is necessary for us or our service providers to:
Under certain State Privacy Laws, you have the right to request that we correct any inaccuracies about your personal information. If we provide you with financial services, you can do so through our application.
Under certain State Privacy Laws, you have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we confirm your Data Subject Request, we will disclose to you, upon specific request:
You have the right to request that we limit the use and disclosure of sensitive personal information to the services we provide to you. Lead Bank's current practice is to use the sensitive personal information it collects only for the purpose of providing you with the financial services we offer.
If you are a resident of a state that provides the above rights under State Privacy Laws, you may exercise the rights above by:
Each Data Subject Request must:
We cannot respond to your Data Subject Request or provide you with personal information if we are unable to verify your identity, or unable to verify the authority for the person making the request as your agent. We will use personal information provided in a verifiable consumer Data Subject Request to verify your identity or authority to make the Data Subject Request, and not for any other purpose.
You may only make a verifiable Data Subject Request for access or data portability twice within a 12-month period.
We will acknowledge your Data Subject Request within 10 days. We attempt to respond to every Data Subject Request within 45 days. If we require more time, we will inform you of the reason and how much additional time we require (up to 90 days in total). Any disclosures we provide may only cover the 12-month period preceding the Data Subject Request's receipt. If we are unable to satisfy your Data Subject Request, or a part of your Data Subject Request, we will explain why.
We do not charge a fee to process or respond to Data Subject Requests.
Only you, or a person you have designated in writing as your authorized agent, or who is registered with the applicable Secretary of State to act on your behalf, or to whom you have provided power of attorney pursuant to applicable laws, ("Authorized Agent"), may make a verifiable consumer request to access, port, correct, or delete your personal information. You may also make a verifiable consumer request on behalf of your minor child.
If you wish to have an Authorized Agent make a request on your behalf, they will need to provide us with sufficient written proof that you have designated them as your Authorized Agent, and we will still require you to provide sufficient information to allow us to reasonably verify that you are the person about whom we collected personal information.
We will not discriminate against you for exercising any of your rights. Unless permitted by the State Privacy Laws, we will not:
If you are a California resident, California Civil Code Section 1798.83 permits you to request a list of all third parties to which we, during the immediately preceding calendar year, have disclosed certain personally identifiable information for direct marketing purposes. In the preceding calendar year, we have not disclosed personally identifiable information for direct marketing purposes.
We are only required to respond to a customer request for this list once during any calendar year. To make such a request, please see above under the section "Exercising Your Privacy Choices and Rights." Please be aware that not all information sharing is covered by the California privacy rights requirements and only information sharing that is covered will be included in our response.
During the last twelve (12) months, we have collected personal information in the following categories from consumers and disclosed personal information with the following categories of recipients. Although the list contains examples of information collected, we do not collect every specific piece of personal information for every consumer:
| Category of Personal Information | Examples of Personal Information Collected | Categories of Recipients |
|---|---|---|
| Identifiers | Name, address, email address, phone number, account identifiers, online identifiers, IP address, Social Security number, or other similar identifiers. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| California customer records or similar information in states with applicable privacy laws | Name, signature, Social Security number, address, telephone number, driver's license or state identification card number, employment, employment history, bank account number, and other financial information. This category may overlap with other categories. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| Characteristics of protected classifications under state or federal law | Age, marital status, or gender. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| Commercial information | Purchasing or consuming histories or tendencies. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| Internet or other similar network activity | Information on a consumer's interaction with our website, applications, or advertisements. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| Professional or employment-related information | Current occupation. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| Inferences | Inferences drawn from any of the information listed above to create a profile about you, such as a profile that reflects your preferences, characteristics, behavior, and attitudes. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
| Sensitive Personal Information | Government-issued identifiers (such as Social Security number and driver's license), financial account numbers in combination with login credentials, and facial images used for identification. | Our affiliates, service providers, third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. |
We collect personal information for the business and commercial purposes and uses described in the Privacy Policy section titled "What does Lead Bank do with your personal information?"
In addition to the sources described above, we collect personal information from the following categories of sources:
The retention periods for data elements within each category listed above vary depending on the nature of the data element and the purposes for which it is collected and used. Our retention period for the data elements within each category is set based on the following criteria: (1) the length of time that the data is needed for the purposes for which it was created or collected, (2) the length of time the data is needed for other operational or record retention purposes, (3) the length of time the data is needed in connection with our legal, compliance and regulatory requirements, for legal defense purposes and to comply with legal holds, (4) how the data is stored, (5) whether the data is needed for security purposes and fraud prevention, and (6) whether the data is needed to ensure the continuity of our products and services.
We reserve the right to amend this privacy notice at our discretion and at any time. When we make material changes to this privacy notice, we will notify you by email, by notice on this site, or by other acceptable means.
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under State Privacy Laws, please do not hesitate to contact us.
By email: [email protected]
By phone: 866-845-9545