Online Privacy Policy

This Online Privacy Policy ("Policy") applies to the websites ResetLending.com and MyResetLoan.com (collectively, the "Sites"), owned and operated by TriPoint Lending, LLC, doing business as Reset Lending ("Reset Lending," "we," "us," or "our"). Both domains are operated by the same legal entity and are subject to this same Policy.

This Policy describes how we collect, use, disclose, and protect the personal information of visitors and users of our Sites ("you" or "User"). By using our Sites, you acknowledge you have read and agree to this Policy. If you do not agree, please do not use the Sites. See also our Terms of Use.

This Policy does not apply to information collected offline or via channels other than the Sites, including information collected by our lending partners after you are redirected to their platforms.

TriPoint Lending, LLC (dba Reset Lending) is a California-licensed lender, loan brokerage marketplace, and financial services intermediary operating at 3330 Harbor Blvd, 2nd Floor Costa Mesa, CA 92626.

We connect consumers with third-party lenders and financial institutions. We are not a direct lender for any and all loan products offered through our Sites.

CFL License #60DBO-79257
Contact: (800) 307-1789 | support@resetlending.com

When you use our Sites, you may provide us with:

• Identity Information: Full name, date of birth, Social Security Number (last 4 or full, depending on service stage)
• Contact Information: Email address, mailing address, phone number(s)
• Financial Information: Annual income, employment status, employer name, monthly housing payment, requested loan amount, loan purpose
• Account Credentials: Username, password, and security questions if you create an account
• Communication Records: Emails, chat transcripts, or call records if you contact us

When you visit our Sites, we automatically collect:

• Device and Technical Data: IP address, browser type and version, operating system, device identifiers
• Usage Data: Pages visited, links clicked, time spent on pages, referring URL, exit pages
• Location Data: Approximate geographic location derived from IP address
• Cookies and Tracking Technologies: See Section 7 for full details

We may receive information about you from:

• Credit bureaus and consumer reporting agencies (soft inquiry only during pre-qualification)
• Lead generators, affiliates, and marketing partners who refer consumers to our Sites
• Identity verification services
• Publicly available sources and data aggregators

We use the information we collect for the following purposes:

We do not sell, rent, trade, or otherwise share your personal information for monetary consideration. However, we do share information in the following circumstances:

When you submit a loan inquiry, we share your information with our network of lending partners (including but not limited to Best Egg, Happy Money, LendingClub, LendingPoint, LightStream, OneMain Financial, Prosper, SoFi, Upgrade, and Upstart) and their affiliates to facilitate your loan request. Each lending partner has its own privacy policy governing their use of your data.

We share information with vendors and service providers acting on our behalf, including:

• Technology infrastructure and hosting providers
• Analytics and marketing technology platforms
• Identity verification and fraud prevention services
• Customer communication tools (email, SMS, phone)

These providers are contractually obligated to use your information only as directed by us and consistent with this Policy.

We may disclose your information when required or permitted by law, including:

• In response to a subpoena, court order, or other legal process
• To comply with regulatory requirements from federal or state regulators (including CFPB, FTC, state banking departments)
• To protect the rights, property, or safety of Reset Lending, our customers, or others
• To prevent or investigate potential fraud or illegal activity

If Reset Lending or its parent company undergoes a merger, acquisition, reorganization, or sale of assets, your personal information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on the Sites.

We may share your information for other purposes with your explicit consent. Please see the GLBA Privacy Notice for more details.

We process your personal information on the following legal bases:

• Performance of a contract or pre-contractual steps: Processing your loan inquiry
• Legitimate interests: Fraud prevention, security, marketing to existing customers
• Legal obligation: Compliance with applicable laws and regulations
• Consent: For marketing communications and SMS, where required

We use the following types of cookies and similar technologies:

• Strictly Necessary Cookies: Required for the Sites to function. Cannot be disabled.
• Performance/Analytics Cookies: Help us understand how visitors use our Sites (e.g., Google Analytics).
• Functional Cookies: Remember your preferences and settings.
• Targeting/Advertising Cookies: Used to deliver relevant advertisements based on your browsing behavior.

We partner with third-party advertising networks and analytics providers who may set cookies or use web beacons and pixel tags on our Sites to collect information about your online activities for interest-based advertising. You may opt out of interest-based advertising through the Digital Advertising Alliance at www.aboutads.info or the Network Advertising Initiative at www.networkadvertising.org.

You can control cookie settings through your browser. Note that disabling certain cookies may limit your ability to use our Sites. We honor Global Privacy Control (GPC) signals where required by law.

Our Sites do not currently respond to browser-level Do Not Track (DNT) signals because there is no uniform industry standard for DNT compliance. California residents, see Section 11 for additional rights.

We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, including:

• Active service relationships: For the duration of your account or service engagement
• Legal compliance: As required by applicable federal and state laws (e.g., the Bank Secrecy Act, applicable state lending laws)
• Dispute resolution and contract enforcement: As needed to resolve disputes or enforce agreements
• Marketing: Until you opt out or withdraw consent

When information is no longer needed, we destroy or de-identify it in accordance with our data retention procedures.

By providing your mobile phone number and submitting a loan inquiry on our Sites, you expressly consent to receive SMS/text messages from Reset Lending and its lending partners. Message frequency may vary. Message and data rates may apply.

To opt out of SMS messages, text STOP to any message you receive from us. For help, text HELP or contact us at the information below. After opting out, we will send a confirmation message; no further promotional SMS will be sent.

By submitting your information, you expressly consent to receive telephone calls, including calls using an automatic telephone dialing system (ATDS) or prerecorded voice messages, from Reset Lending and its lending and affiliate partners at the number(s) you provide, even if your number is on a state or federal Do Not Call registry. Consent is not required as a condition of obtaining any product or service.

To opt out of telemarketing calls, contact us at the information in Section 16 or see the Opt-Out page on the Sites.

We use industry-standard technical, administrative, and physical safeguards to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These include:

• Encryption of data in transit using TLS/SSL
• Access controls and employee training
• Regular security assessments and monitoring

No method of transmission over the internet is 100% secure, and we cannot guarantee absolute security. If you believe your information has been compromised, please contact us immediately at privacy@resetlending.com.

California residents have the following rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA):

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you, the sources, purposes, and third parties with whom we share it.
• Right to Delete: Request deletion of personal information we hold about you, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt Out of Sale or Sharing: We do not sell personal information for money, but we may "share" it for cross-context behavioral advertising. You may opt out at the Opt-Out page on our Sites or by clicking "Do Not Sell or Share My Personal Information" in our Site footer.
• Right to Limit Use of Sensitive Personal Information: You may request that we limit our use of sensitive personal information to permitted purposes.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise these rights, visit our Opt-Out page or contact us at privacy@resetlending.com or (800) 555-1234. We will verify your identity before fulfilling requests. You may designate an authorized agent to make requests on your behalf.

Nevada residents may request to be placed on our internal Do Not Call list or opt out of the sale of certain personally identifiable information by contacting us in writing at privacy@resetlending.com.

For further information, contact: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; (702) 486-3132; BCPINFO@ag.state.nv.us.

We automatically treat accounts associated with Vermont addresses as having requested that we not share personal information with nonaffiliated third parties, except as permitted by Vermont regulations, and will limit information sharing with affiliates accordingly.

Residents of states with applicable comprehensive privacy laws (including Virginia, Colorado, Connecticut, Texas, Montana, and others) may have rights to access, correct, delete, and opt out of certain processing of personal information. Please contact us at privacy@resetlending.com to exercise any applicable state rights.

Our Sites are not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If we learn that we have collected personal information from a person under 18, we will promptly delete such information. If you believe we have collected information from a minor, please contact us at privacy@resetlending.com.

Our Sites may contain links to lending partners and other third-party websites. Once you leave our Sites, this Policy no longer applies. We encourage you to review the privacy policies of any third-party site you visit.

We may update this Policy periodically to reflect changes in our practices, technology, or applicable law. We will revise the "Effective Date" at the top of this Policy when we do so. Continued use of the Sites after the effective date constitutes your acceptance of the updated Policy. Material changes will be communicated via a prominent notice on the Sites and/or by email.

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us:

TriPoint Lending, LLC dba Reset Lending
3330 Harbor Blvd, 2nd Floor Costa Mesa, CA 92626
Phone: 800-307-1789

Privacy Email: privacy@resetlending.com
General Support: support@resetlending.com
CFL License #60DBO-79257   ML Enterprise Inc. NMLS# 1475872

You have the right to opt out of certain communications and uses of your personal information.

Please email any opt-out requests to privacy@resetlending.com or call us at 800-307-1789. We will process your request within the timeframes required by applicable law (no more than 15 business days for most requests).