Privacy & Terms.

1. Comprehensive Privacy Policy

NovaLend Finance Inc. ("we," "us," or "our") is committed to protecting the privacy of our users. This Disclosure outlines our practices regarding the collection, use, and safeguarding of the Personal Identifiable Information (PII) you provide through our digital lending platform.

A. Data Collection Framework: We collect information necessary for the adjudication of consumer credit applications. This includes, but is not limited to: Full Legal Name, Residential Address, Social Security Number (SSN), Employment Status, and Monthly Net Income. We utilize bank-level 256-bit SSL encryption for all data transmissions.

B. Credit Inquiry Disclosure: By submitting a prequalification request, you authorize NovaLend to perform a "soft" credit inquiry. This inquiry provides us with your credit profile for the purpose of generating personalized loan offers. A "soft" inquiry does not impact your FICO score and is only visible to you. A "hard" inquiry, which may impact your credit score, will only be conducted upon your explicit acceptance of a loan offer and submission of a formal Application for Credit.

C. Regulatory Compliance: We adhere to the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), and all applicable state and federal lending regulations. We do not sell, trade, or otherwise transfer your PII to outside parties except for the express purpose of providing the lending services requested.

2. Terms of Service & Electronic Communications

A. Acceptance of Terms: By accessing the website (the "Site"), you are agreeing to be bound by these Terms of Service. If you do not agree with any of these terms, you are prohibited from using or accessing this Site.

B. Electronic Consent: By using our platform, you consent to receive all disclosures, communications, and notices electronically. This includes, but is not limited to, Truth in Lending Act (TILA) disclosures and Adverse Action notices. You may withdraw this consent at any time by contacting our support team, though doing so may limit your ability to use our digital lending products.

C. Limitation of Liability: In no event shall NovaLend or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the Site.

3. Federal Disclosure & Interest Rates

A. APR Disclosure: Fixed APRs range from 6.99% to 24.99%. Rates are determined based on creditworthiness, loan amount, and repayment term. All loans are subject to credit approval and verification. Repayment terms range from 24 to 84 months.

B. Fees: NovaLend charges $0 application fees, $0 origination fees, and $0 prepayment penalties. Late fees may apply as dictated by state law and your specific Promissory Note.