Privacy Policy

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Applies to TAC Lending, LLC and TAC Lending 2, LLC (together, "TAC")

1. Scope

This Privacy Policy describes how TAC collects, uses, shares, and protects information about individuals (including business owners, guarantors, authorized representatives, and other contacts) in connection with business-purpose real estate financing and related services.

2. Information we collect

Information you provide to us

• Identifiers and contact details (for example name, phone, email, and address).
• Business/entity information (for example entity name, ownership/management information, and formation/tax details).
• Financial information (for example personal financial statements, bank/asset statements, and liquidity verification).
• Property and transaction information (for example addresses, budgets, contracts, appraisals, and title/closing details).
• Communications (for example emails, calls, text messages, and records of interactions).

Information we obtain from third parties

With your authorization and/or as permitted by law, we may obtain information from third parties such as:

• Consumer reporting agencies / credit reporting agencies.
• Identity verification, fraud prevention, and authentication providers (including one-time passcode delivery).
• Public records and other lawful data sources.
• Service providers involved in processing, underwriting, closing, funding, servicing, or verifying information.
• Advertising platforms such as Meta (Facebook and Instagram), when you submit a lead form in one of our ads (the information you enter in that form).

Information collected from websites/technology

When you use TAC websites, forms, or technology tools, we and our analytics and advertising partners may collect device, usage, and related technical information (for example pages viewed, links clicked, the website or ad that referred you, and whether you started or submitted a form) through cookies, pixels, tags, and similar technologies. See Section 5 for how these are used and how to opt out.

3. How we use information

We may use information to:

• Evaluate, prequalify, underwrite, broker, arrange, provide, and service financing and related services.
• Verify identity, prevent fraud, manage risk, and maintain security.
• Communicate with you about requests, documents, status, and required items, including by phone, email, and text message.
• Send occasional emails about our loan programs. Every marketing email includes an unsubscribe link.
• Coordinate appraisals, title/closing, payoff, extensions, and construction draws (if applicable).
• Measure and improve our advertising and understand which ads and pages bring people to us.
• Comply with legal obligations and respond to lawful requests.
• Enforce agreements and protect TAC, applicants, and counterparties.
• Improve operations, quality, analytics, and customer experience.

4. How we share information

We may share information as needed to operate our business and complete or support transactions, including:

Service providers

We may share information with third-party service providers that perform services for us, such as:

• Credit, identity verification, fraud prevention, and authentication providers.
• Document management and e-signature providers.
• Appraisal, valuation, and inspection providers.
• Title/closing, payoff, and settlement service providers.
• Banking/payment, ACH, and treasury partners.
• Hosting, IT, security, analytics, and communications providers (including our phone, email, and text messaging providers).
• Other vendors that support processing, underwriting, closing, funding, or servicing.

Financing and transaction parties

We may share information with parties involved in evaluating, arranging, providing, purchasing, servicing, or securing financing that you request or that is part of a transaction (for example lenders, investors, warehouse partners, servicers, and settlement/closing counterparties), as applicable.

Affiliates

We may share information with TAC affiliates for internal business purposes, operational support, and compliance. Consumer report data obtained from consumer reporting agencies is handled in accordance with applicable requirements and TAC controls.

Advertising and analytics partners

Advertising and analytics partners (for example Meta, Google, and Microsoft) may receive the website technical information described in Section 2 through cookies, pixels, and similar technologies on our websites.

Legal/compliance

We may share information with professional advisors (legal, accounting, compliance), auditors, regulators, law enforcement, and others when required or permitted by law, to respond to legal process, or to protect rights, safety, and property.

5. Cookies, pixels, and advertising

Our websites and forms use cookies, pixels, and similar technologies from TAC and from third parties, such as Meta (the Meta Pixel), Google (for example Google Analytics and Google Ads), and Microsoft (Microsoft Clarity). These third parties may use cookies, web beacons, and other storage technologies to collect or receive information from our websites and elsewhere on the internet, and use that information to provide measurement services and to target ads.

You can limit or opt out of this collection and use:

• Block or delete cookies through your browser settings.
• Opt out of interest-based advertising from participating companies at https://optout.aboutads.info.
• Adjust your ad preferences in your Meta (Facebook/Instagram) account settings and at https://adssettings.google.com.
• Opt out of Google Analytics with Google's browser add-on at https://tools.google.com/dlpage/gaoptout.

Blocking cookies may affect how some parts of our websites work.

6. Credit reports, prequalification, identity verification, and fraud prevention

If you request prequalification or financing, TAC may obtain consumer reports (including credit reports and related verification information) from consumer reporting agencies, and may use identity verification and fraud prevention tools, for permissible purposes and typically after you provide express authorization.

7. Your choices

Depending on your situation and applicable law, you may:

• Request access to or correction of certain information.
• Unsubscribe from marketing emails at any time using the link in any of them.
• Limit cookies and interest-based advertising as described in Section 5.
• Choose not to provide certain information (note: this may limit TAC's ability to evaluate or complete a transaction).

8. Security and retention

TAC uses administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is completely secure.

TAC retains information for business, legal, and compliance purposes, including maintaining records of transactions and authorizations, and may securely destroy information when it is no longer needed.

9. Changes to this policy

We may update this Privacy Policy from time to time. The Effective Date above indicates when this version became effective. If we make material changes, we may provide additional notice as appropriate.

10. Contact us

Questions or requests about this Privacy Policy:

TAC (TAC Lending, LLC and TAC Lending 2, LLC)

Email: office@taclending.com

Phone: 252-349-0171

Mailing Address: 227 East Front St., New Bern, NC 28560