Privacy Policy

Privacy Policy for Dayspring Lending LLC

Effective Date: May 1, 2026

Dayspring Lending LLC (“Dayspring Lending,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://dayspringlending.com (the “Site”), use our online tools (such as the Loan Estimator or pre-approval form), submit a loan application, or otherwise interact with us as a private lending consultant and broker.

We are a Washington-state licensed private lending consultant and broker (NMLS #1028232) that connects borrowers with third-party private lenders for flexible, non-traditional real estate loans (including fix-and-flips, raw land, mobile homes, ranches, and other unique properties). We are not a direct lender, bank, or government-backed institution. All loans are originated and funded by independent third-party lenders and are subject to credit approval, property evaluation, and lender requirements.

This policy applies to information collected through the Site and our services. It is designed to comply with applicable U.S. federal and state laws, including the Gramm-Leach-Bliley Act (GLBA) and its implementing Regulation P (for financial privacy), the California Consumer Privacy Act (CCPA/CPRA) where applicable, and other relevant privacy regulations. This is not a substitute for legal advice. We encourage you to consult with your own attorney regarding your specific rights and our practices. We may update this policy from time to time; continued use of the Site or services constitutes acceptance of the revised policy.

1. Information We Collect

We collect information to evaluate loan requests, connect you with suitable private lenders, provide customer support, improve our services, and comply with legal obligations. The types of information we collect include:

Personal Information you provide directly:

• Contact details (name, email, phone number, mailing address)

• Government identifiers (Social Security Number, driver’s license, or tax ID for credit and identity verification)

• Demographic information (date of birth, citizenship status)

• Loan request details (desired loan amount, purpose, property type and address, estimated value, loan-to-value ratio)

• Employment and income information (self-employment details, income sources, debt-to-income ratio)

• Financial account information (bank statements, asset details, credit history you authorize us to pull)

• Any additional narrative or supporting documents you submit via our secure online forms

Automatically Collected Information (via cookies, pixels, analytics tools, and server logs):

• Device and usage data (IP address, browser type, operating system, referring URL, pages visited, time spent on Site)

• Interaction data (clicks, form interactions, Loan Estimator usage)

• Location data (general geographic area inferred from IP address, not precise GPS)

Information from Third Parties:

• Credit reports and scores (with your explicit consent/authorization)

• Public records (property ownership, liens, tax assessments)

• Verification services, background checks, or fraud-prevention tools

• Information from the third-party lenders we work with (if you are referred or matched)

We do not collect information about children under 13 and our Site is not directed to children. If we become aware that we have collected data from a child under 13, we will delete it.

2. How We Use Your Information

We use the information we collect to:

• Evaluate your loan request and determine potential fit with private lending programs

• Match and refer you to appropriate third-party private lenders

• Process pre-approvals, applications, and related communications

• Provide customer support, guidance, and our “New Dawn Promise” ongoing assistance (including refinancing options)

• Verify identity, prevent fraud, and comply with legal and regulatory requirements

• Improve our website, tools, and services (including analytics and personalization)

• Respond to inquiries, send administrative notices, or (with your consent) marketing communications

• Aggregate data for internal business analysis (in de-identified or anonymized form where possible)

3. How We Share Your Information

As a private lending broker, sharing is necessary to connect you with third-party lenders. We do not sell your personal information for monetary compensation.

We may share your information in the following circumstances:

• With Third-Party Lenders: To facilitate loan matching, we share necessary application data, financial details, and property information with independent private lenders who may fund your loan.

• With Service Providers: We work with trusted vendors for website hosting, secure form processing, analytics, credit reporting, document verification, marketing, and IT support. These providers are contractually obligated to protect your data and use it only for the services they provide to us.

• For Legal and Compliance Reasons: We may disclose information to comply with court orders, subpoenas, regulatory requests, or to protect our rights, safety, or property.

• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

• With Your Consent: We will share information in any other way you specifically authorize.

GLBA Privacy Notice (Financial Privacy Rights)

Federal law requires us to tell you how we collect, share, and protect your personal financial information.

What Does Dayspring Lending Do With Your Personal Information?

| Fact | What We Do |

|------------------|

| What? | The types of personal information we collect and share depend on the product or service you request. This can include: Social Security Number and income; account balances, payment history, and credit history; employment and property details. |

| Why? | Federal law gives you 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. |

| How? | All financial companies need to share customers’ personal information to run their everyday business—to process transactions, maintain accounts, respond to court orders and legal investigations, or report to credit bureaus. |

|------------------|

Reasons We Can Share Your Personal Information

• For our everyday business purposes (e.g., to process your transactions or maintain your account): We do share.

• For our marketing purposes: We do not share.

• For joint marketing with other financial companies: We do not share.

• For our affiliates’ everyday business purposes: We do not share (we have no affiliates that receive this data for marketing).

• For nonaffiliates to market to you: We do not share (opt-out not required because we do not share for this purpose).

To limit our sharing (if applicable in the future): You may call us at (509) 738-9027 or email the address below. Your choices will apply to everyone on your account.

What We Do to Protect Your Information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These include computer safeguards and secured files and buildings, as well as encryption of data transmitted via our secure online forms.

Questions? Call (509) 738-9027 or visit our Contact page.

4. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience, analyze Site usage, and deliver relevant content. You can manage cookie preferences through your browser settings. We may also use third-party analytics (e.g., Google Analytics) that collect anonymized data. We do not respond to “Do Not Track” signals at this time.

5. Data Security

We implement reasonable administrative, technical, and physical safeguards, including encryption, to protect your information. However, no security system is infallible. We cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Financial and loan-related records are typically retained for at least 7 years or as required by law.

7. Your Rights and Choices

• Access, Correction, Deletion: You may request access to, correction of, or deletion of your personal information by contacting us (subject to legal exceptions).

• Opt-Out of Marketing: You can unsubscribe from promotional emails using the link in the message or by contacting us.

• California Residents (CCPA/CPRA Rights): California residents have additional rights to know what personal information we collect, request deletion, opt out of any “sale” of data (we do not sell data), and limit use of sensitive personal information. Note that certain financial data collected in connection with loan services may be exempt under GLBA and other laws. To exercise CCPA rights, contact us using the details below. We will verify your identity before responding.

• GLBA Rights: You have the rights described in the GLBA notice above.

We will respond to verifiable consumer requests within the timeframes required by law.

8. International Users

Our Site and services are primarily directed to users in the United States. If you access the Site from outside the U.S., your information may be transferred to and processed in the United States, where privacy laws may differ from those in your jurisdiction.

9. Changes to This Privacy Policy

We may update this policy periodically. We will post the revised policy on the Site with a new effective date. We encourage you to review it regularly.

10. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Dayspring Lending LLC

Phone: (509) 738-9027

Email: https://dayspringlending.com/contact

Mailing Address: [insert full physical address if desired; otherwise note “Washington, USA”]

Equal Housing Opportunity

We provide services without regard to race, color, religion, national origin, sex, handicap, or familial status.

By using our Site or submitting information to us, you acknowledge that you have read and understood this Privacy Policy.