Privacy Policy

Keane-Ventures, LLC D.B.A. Liminal Lending Company (“Liminal,” “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 use our website and services.

This privacy policy applies to our loan matching platform and is subject to the Gramm-Leach-Bliley Act and other federal financial privacy regulations.

1. Information We Collect

Personal Information

We collect information that identifies, relates to, or could reasonably be linked with you (“Personal Information”), including:

• Identity Information: Name, Social Security Number, driver's license number, date of birth
• Contact Information: Email address, phone number, mailing address
• Financial Information: Credit score, bank account information, financial statements, tax returns, income information
• Business Information: Business name, EIN, business financial data, ownership structure
• Application Information: Loan application details, supporting documents, business plans
• Technical Information: IP address, browser type, device information, usage data

Sensitive Personal Information

We collect and process sensitive personal information including Social Security Numbers, financial account information, and credit information as necessary for loan processing and regulatory compliance.

Information from Third Parties

We may receive information about you from credit bureaus, banks, government agencies, and other financial institutions to verify your information and assess creditworthiness.

2. How We Use Your Information

We use your Personal Information for the following purposes:

• Processing and evaluating loan applications
• Matching you with appropriate lenders
• Verifying your identity and preventing fraud
• Complying with federal and state regulations
• Communicating with you about your applications and our services
• Improving our platform and services
• Conducting risk assessments and underwriting
• Maintaining records as required by law

3. Information Sharing and Disclosure

With Your Consent

We share your information with verified lenders and financial institutions when you submit a loan application through our platform.

Service Providers

We may share information with third-party service providers who perform services on our behalf, including:

• Identity verification services
• Credit reporting agencies
• Document processing services
• Technology and security providers
• Customer support services

Legal Requirements

We may disclose information when required by law, including:

• In response to court orders, subpoenas, or government requests
• To comply with regulatory requirements (SBA, banking regulations)
• To investigate fraud or other illegal activities
• To protect our rights and the safety of our users

Business Transfers

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

4. Data Security

We implement administrative, technical, and physical safeguards designed to protect your Personal Information, including:

• Encryption of data in transit and at rest
• Multi-factor authentication
• Regular security assessments and updates
• Limited access controls
• Employee training on data protection

While we use reasonable efforts to protect your information, no method of transmission over the internet or electronic storage is 100% secure.

5. Your Privacy Rights

General Rights

You have the right to:

• Access your Personal Information
• Correct inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt out of non-essential communications
• Receive a copy of your information in a portable format

California Residents (CCPA)

If you are a California resident, you have additional rights:

• Right to know what Personal Information we collect and how it's used
• Right to delete Personal Information (subject to exceptions)
• Right to opt out of the sale of Personal Information (we do not sell your information)
• Right to non-discrimination for exercising your privacy rights

EU Residents (GDPR)

If you are in the European Union, you have additional rights under GDPR:

• Right to object to processing
• Right to data portability
• Right to restriction of processing
• Right to lodge a complaint with a supervisory authority

To exercise your rights, contact us at contact@liminallending.com or 1 (800) 536-3464.

6. Retention of Information

We retain your Personal Information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records may be retained for up to seven years as required by federal regulations.

7. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve our services and user experience
• Provide targeted content and advertising
• Detect and prevent fraud

You can control cookies through your browser settings, but some features may not function properly if cookies are disabled.

8. Third-Party Links

Our platform may contain links to third-party websites. We are not responsible for the privacy practices of these sites and encourage you to read their privacy policies.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect Personal Information from children under 18.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by email or by posting a notice on our website before the changes become effective.

11. Contact Information

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