Intercap Lending Privacy Notice

Information for All Users

Intercap Lending Inc. (“Intercap Lending,” “we”) values the privacy of individuals who use our websites, app, and related services (collectively, our “Services”). This Privacy Notice explains how we collect, use, and share the information of users of our Services (“Users” or “you”). By using our Services, you agree to the collection, use, disclosure, and processing of your information as described by this Privacy Notice. Beyond this Privacy Notice, your use of our Services is also subject to our Legal Terms of Use (https://www.intercaplending.com/legal/) and any additional agreements you may enter into with us.

If you are a resident of California, you can view our California-specific privacy notice below.

Information We Collect

We may collect a variety of information about you or your devices from various sources, as described below.

Information You Provide to Us

Registration Information. If you sign up for an account, register to use our Services, or sign up for emails or other updates, we may ask you for basic contact information, such as name, email, phone number, mailing address, or username. We may also collect certain demographic information when you register for our Services, including age, gender, income, or marital status.

Communications. If you contact us directly, we may collect additional information from you. For example, when you reach out to our customer support team, we may ask for your name, email address, mailing address, phone number, or other contact information so that we can verify your identity and communicate with you. We may also store the contents of any message or attachments that you send to us, as well as any information you submit through any of our forms or questionnaires.

Events. If you register for an event that we host, whether in-person or online, we may collect relevant information such as your name, address, title, company, phone number, or email address, as well as specific information relevant to the event for which you are registering.

Payment Information. If you make a purchase or are otherwise required to make a payment through our Services, a third-party payment processor acting on our behalf may collect your payment-related information, such as credit card numbers or other financial information.

Job Applications. If you apply for a job with us, we may collect relevant information such as your name, phone number, email address, position, job history, education history, references, a cover letter, or similar information.

Information We Collect Automatically When You Use Our Services

Device Information. We may collect information about the devices and software you use to access our Services, such as your IP address, web browser type, operating system version, device identifiers, or similar information.

Usage Information. To help us understand how you use our Services and to help us improve them, we may collect data about your interactions with our Services. This includes information such as crash reports, session lengths and times, the pages or other content you view, and any searches you conduct on our site.

Cookies and Similar Technologies. We and our third-party partners may collect information using cookies, pixel tags, or similar technologies. Cookies are small text files containing a string of alphanumeric characters. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our Services.

Information We Receive from Other Sources

We may receive information about you from other sources, including third parties that help us update, expand, and analyze our records, identify new customers, or detect or prevent fraud. We may also receive information about you from social media platforms, for example when you interact with us on those platforms or access our social media content. What information we receive from third parties is governed by the privacy settings, policies, and/or procedures of the relevant organizations, and we encourage you to review them.

How We Use the Information We Collect

We may use the information we collect:

• To provide, maintain, improve, and enhance our Services
• To understand and analyze how you use our Services and develop new products, services, features, and functionality
• To facilitate purchases of products or services that you order
• To host events
• To evaluate and process applications for jobs with us
• To communicate with you, provide you with updates and other information relating to our Services, provide information that you request, respond to comments and questions, and otherwise provide User support
• For marketing and advertising purposes, including developing and providing promotional and advertising materials that may be relevant, valuable or otherwise of interest to you
• To detect and prevent fraud, and respond to trust and safety issues that may arise
• For compliance purposes, including enforcing our Terms of Service or other legal rights, or as may be required by applicable laws and regulations or requested by any judicial process or governmental agency
• For other purposes for which we provide specific notice at the time the information is collected

Information Subject to the Gramm-Leach-Bliley Act

Intercap Lending Inc. is a mortgage lender and servicer. Much of the nonpublic personal information we collect in connection with a mortgage application, loan, or servicing relationship is regulated by the federal Gramm-Leach-Bliley Act (“GLBA”) and its implementing regulations, and certain information may also be subject to the Fair Credit Reporting Act (“FCRA”). State consumer privacy laws may exempt particular information or processing activities governed by the GLBA, the FCRA, or other financial privacy laws. These exemptions generally apply to qualifying information or activities rather than automatically exempting Intercap Lending as an entity. Information outside those exemptions remains subject to applicable state privacy laws and this Notice.

Our GLBA privacy practices — including the categories of nonpublic personal information we collect, the parties with whom we share it, and your right to limit certain sharing with affiliates and nonaffiliated third parties — are described in our Annual Privacy Policy Disclosure, which we provide to loan customers annually and which is available on request by emailing compliance@intercaplending.com or calling 1-800-658-9371.

How We Share the Information We Collect

Service Providers. We may share any information we collect with service providers retained in connection with the provision of our Services. These companies are only permitted to use this information to help us provide our Services, not for their own purposes.

As Required by Law and Similar Disclosures. We may access, preserve, and disclose your information if we believe doing so is required or appropriate to: (a) comply with law enforcement requests and legal process, such as a court order or subpoena; (b) respond to your requests; or (c) protect your, our, or others’ rights, property, or safety. In particular, we may disclose relevant information to the appropriate third parties if you post any illegal, threatening, or objectionable content on or through the Services.

Events. We may share your information with event partners or co-sponsors to facilitate the events for which you register.

Merger, Sale, or Other Asset Transfers. We may transfer your information to service providers, advisors, potential transactional partners, or other third parties in connection with the consideration, negotiation, or completion of a corporate transaction in which we are acquired by or merged with another company or in which we sell, liquidate, or transfer all or a portion of our assets. The use of your information following any of these events will be governed by the same general provisions of this Privacy Notice.

Affiliates. We may disclose your information to our affiliates, subsidiaries, and representatives as part of providing our services. Federal law gives you the right to limit our sharing of information with our affiliates for their marketing purposes. You may exercise that right at any time by calling 888-643-2133 (Ext. 330) or by visiting www.intercaplending.com/privacy, as described in our Annual Privacy Policy Disclosure.

Business Partners. We may disclose relevant information to business partners when necessary to provide products or services you request or as otherwise described at the time of collection. We do not sell Personal Information or share it for cross-context behavioral advertising.

Consent. We may also disclose your information with your permission.

Your Choices

Our Communications. From time to time, you may receive marketing or other informational email messages from us. You can unsubscribe from our promotional and informational emails via the link provided in the emails. Users may continue to receive administrative messages from us necessary to service User accounts after opting out of receiving promotional messages from us.

Cookies. Most web browsers allow you to manage cookies through the browser settings. To find out more about cookies, you can visit www.aboutcookies.org or www.allaboutcookies.org.

Our Partners. We do not disclose personal information to advertising platforms for targeted advertising, and we do not participate in cross-context behavioral advertising. If you interact with our pages or advertisements on a social media platform, that platform may collect information about you under its own policies. You can also access any settings offered by your mobile operating system to limit ad tracking. To inquire about your choices regarding our business partners generally, contact us at compliance@intercaplending.com(opens in new window).

Third-Party Content

Our Services may contain links to other websites, products, or services that we do not own or operate. We are not responsible for the content provided by, or the privacy practices of, these third parties. Please be aware that this Privacy Notice does not apply to your activities on these third-party services or any information you disclose to these third parties. We encourage you to read their privacy policies before providing any information to them.

Text Messaging (SMS) Program

If you provide your mobile phone number and consent to receive text messages from Intercap Lending, we may send you text messages regarding your mortgage application, loan updates, appointment reminders, requested documents, and other customer service communications. Consent to receive text messages is not a condition of any purchase or of obtaining a loan. Customers are advised that they can expect up to two messages per month, although message frequency may vary based on loan activity. For help with our text message program, email compliance@intercaplending.com or call our toll-free number at 888-643-2133 (Ext. 330).

Carriers are not liable for any delayed or undelivered messages.

No text messaging opt-in or consent data will be shared, sold, rented, or otherwise provided to third parties or affiliates for marketing or promotional purposes by text unless otherwise disclosed. Mobile information may be disclosed to service providers that help us deliver text messages on our behalf, and those service providers are contractually prohibited from using it for any other purpose.

Security

We make reasonable efforts to protect your information by using administrative, technological, and physical safeguards designed to improve the security of the information we maintain and protect it from accidental loss, unauthorized access or use, or any other inappropriate or unlawful processing. However, because no information system can be 100% secure, we cannot guarantee the absolute security of your information.

Children’s Privacy

We do not knowingly collect, maintain, or use information from children under 18 years of age, and no part of our Services are directed toward children. If you learn that a child has provided us with information in violation of this Privacy Notice, then you may alert us at compliance@intercaplending.com.

International Visitors

Our Services are hosted in the United States and intended for visitors located within the United States. If you choose to use the Services from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you are transferring your information outside of those regions to the United States for storage and processing. Also, we may transfer your data from the U.S. to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Services. By using our Services, you consent to the transfer, storage, and processing of your information as described in this Privacy Notice.

Changes to this Privacy Notice

We will post any adjustments to the Privacy Notice on this page, and the revised version will be effective when it is posted. If we make material changes, we may notify you via a notice posted on our website or another method. We encourage you to read this Privacy Notice periodically to stay up to date about our privacy practices.

Contact Us

If you have any questions, comments, or concerns about our processing activities, please email us at compliance@intercaplending.com. Or you may write to us at:

General Counsel

Intercap Lending Inc.

910 East 6600 South

Salt Lake City, UT 84121

Intercap Lending Inc. California Privacy Notice

Information for California Residents

We collect Personal Information from California residents and comply with the California Consumer Privacy Act and related laws and regulations (“California privacy laws”).  This California Privacy Notice applies to California residents (“users,” “you,” or “your”).

For the purposes of this California Privacy Notice, “Personal Information” means information that is linked or reasonably linkable to a particular individual or household. However, the following categories of information are not Personal Information:

• Publicly available information;
• Deidentified or aggregated data; or
• Information otherwise excluded from the scope of California privacy laws.

This Privacy Notice provides the following information to California residents:

• Categories of Personal Information we collect;
• Purposes for which we use Personal Information;
• Categories of Personal Information we disclose to third parties;
• Categories of third parties to which we disclose Personal Information; and
• Consumer rights under California privacy laws and how to exercise those rights, specifically including:
  • The rights to access, correct, or delete their Personal Information;
  • The right to limit the use of their Sensitive Personal Information in certain circumstances; and
  • The rights to opt out of targeted advertising, sales of Personal Information, or profiling.

Categories of Non-Sensitive Personal Data We Collect

The Educational Data we collect may include educational institutions attended and degrees or credentials obtained.

We collect Non-Sensitive Personal Data:

• Directly from our users
• From consumer reporting agencies
• From our affiliates (“affiliates” are businesses that share common ownership with Intercap Lending) and our business partners (“business partners” are companies with which we have a pre-existing commercial relationship)
• Inferences drawn from your interactions with our Services

Category: Internet/Electronic Activity
Examples and Purpose for Collection	The Internet/Electronic Activity we collect may contain browsing history and information regarding interaction with an Internet Web site, application, or advertisement. We collect Internet/Electronic Activity Data to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, (3) Marketing, (4) Analytics, (5) Establish and maintain relationships with brokers or other third parties to originate loans
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We do not otherwise share this information to third parties
Retention Period	We retain Internet/Electronic Activity until the user deletes their account, after which it is retained only to the extent required by applicable law or for purposes of preventing fraud.
Category: Identifiers
Examples and Purpose for Collection	The Identifiers we collect may contain a real name, alias, mailing address, unique personal identifier, online identifier, Internet Protocol address, email address, telephone number, account name, or date of birth. We collect Identifiers a to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, (3) Marketing, (4) Analytics, (5) Establish and maintain relationships with brokers or other third parties to originate loans
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors, Affiliates, and Business Partners. We share Identifiers to enable our processors to provide services on Intercap Lending’s behalf, including marketing, verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.
Category: Personal Characteristics
Examples and Purpose of Collection	The Personal Characteristics we collect may contain traits an individual possesses such as their age and gender. We collect Personal Characteristics a to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, (3) Marketing, (4) Analytics, (5) Establish and maintain relationships with brokers or other third parties to originate loans
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Business Partners, Processors, and Affiliates. We share Personal Characteristics to enable our processors to provide services on Intercap Lending’s behalf, including marketing, verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.
Category: Commercial Data
Examples and Purpose for Collection	The Commercial Data we collect may contain records of personal property, real property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. We collect Commercial Data to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, (3) Marketing, (4) Analytics, (5) Establish and maintain relationships with brokers or other third parties to originate loans
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors, Affiliates, and Business Partners. We share Commercial Data to enable our processors to provide services on Intercap Lending’s behalf, including marketing, verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.
Category: Professional Data
Examples and Purpose for Collection	The Professional Data we collect may contain current or past employment history. We collect Professional Data a to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, (3) Marketing, (4) Analytics, (5) Establish and maintain relationships with brokers or other third parties to originate loans
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors and Business Partners. We share Professional Data to enable our processors to provide services on Intercap Lending’s behalf, including marketing, verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.
Category: Educational Data
Examples and Purpose for Collection	The Educational Data we collect may contain attendance, degrees obtained. We collect Educational Data a to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, (3) Marketing, (4) Analytics, (5) Establish and maintain relationships with brokers or other third parties to originate loans
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors and Business Partners. We share Educational Data to enable our processors to provide services on Intercap Lending’s behalf, including marketing, verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.

 

Categories of Sensitive Personal Information

The table below outlines the categories of Sensitive Personal Information Intercap Lending Inc. collects about California residents and whether they are disclosed to third parties.

We collect Sensitive Personal Information from the following sources:

• Directly from our users
• Inferences drawn from your interactions with our Services
• From our business partners (“business partners” are companies that we have a pre-existing commercial relationship with)

Category: Financial Data
Examples and Purpose for Collection	The Financial Data we collect may contain information regarding your credit, income, and assets, including but not limited to credit reports, bank statements, tax information, etc. We collect this information to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, or (3) Analytics.
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors and Business Partners.  We share Sensitive Category Data to enable our processors and business partners to provide services on Intercap Lending’s behalf, including verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.
Category: Government ID Data
Examples and Purpose for Collection	The Government ID Data we collect may contain driver’s licenses, passports, Social Security cards, and immigration documents such as permanent resident cards (Green Cards), employment authorization documents (EADs), and visas. We collect this information to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, or (3) Analytics.
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors and Business Partners.  We share Sensitive Category Data to enable our processors and business partners to provide services on Intercap Lending’s behalf, including verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.
Category: Sensitive Category Data
Examples and Purpose for Collection	The Sensitive Category Data we collect may contain Personal information that reveals a consumer’s social security, driver’s license, state identification card, or passport number. A consumer’s account log-in, financial account, debit card, or credit card in combination with any required security or access code, password, or credentials allowing access to an account. A consumer’s racial or ethnic origin, citizenship or immigration status. We collect this information to perform the following services: (1) Originating your loan, including validating information and performing quality control, (2) Servicing your loan, or (3) Analytics.
Profiling	We do not use this information for profiling in furtherance of decisions that produce legal (or similarly significant) effects.
Targeted Advertising	We do not engage in targeted advertising or share this information for targeted advertising purposes
Sale	We do not sell this information to third parties
Other Disclosures	We may share this information with Processors and Business Partners.  We share Sensitive Category Data to enable our processors and business partners to provide services on Intercap Lending’s behalf, including verifying information you provide, performing quality control, complying with federal law or regulation, and obtaining information regarding your mortgage loan. We also share data with agencies or investors that may purchase your loan.
Retention Period	As required by applicable federal and state regulations governing mortgage origination and servicing, after which the information is deleted or deidentified.

 

How We Use the Information We Collect

We use Personal Information for the purposes described in the tables above and in the general Privacy Notice. Personal Information may also be used or disclosed as otherwise permitted or required by applicable law.

Disclosing Personal Information

We disclose Personal Information to the following categories of third parties:

• Processors (also referred to as “Service Providers” or “Contractors” in California law): We use processors to securely handle Personal Information on our behalf for our business purposes and only on our instructions. California privacy laws and our contracts with these companies prevent them from using your Personal Information for their own purposes. Our processors include identity verification, fraud prevention, document storage, and loan technology providers.

• Affiliates: We may disclose your information to our affiliates, subsidiaries, and representatives as part of providing our services. You may limit our sharing of information with our affiliates for their marketing purposes as described in the general Privacy Notice above and in our Annual Privacy Policy Disclosure.

• Business Partners: We may disclose relevant information to business partners when necessary to provide products or services you request or as otherwise described at the time of collection. We do not sell Personal Information or share it for cross-context behavioral advertising.

• Analytics Providers: We use third-party analytics services to understand how visitors use our Services so that we can maintain and improve them.

See the tables above for more details about how different categories of Personal Information are disclosed.

We do not sell Personal Information to anyone. We do not share Personal Information for cross-context behavioral advertising or targeted advertising purposes.

Exercising Your Personal Information Rights

California residents have the following rights under California privacy laws:

• The right to know the Personal Information we have collected about them, including the categories of sources from which we collected the Personal Information, the purpose(s) for collecting, selling, or sharing your Personal Information, and the categories of third parties to whom we have disclosed your Personal Information;
• The rights to correct or delete Personal Information;
• The right to limit the use of Sensitive Personal Information in certain circumstances;
• The rights to opt out of targeted advertising, sales of Personal Information, or profiling; and
• The right not to receive discriminatory treatment for exercising their privacy rights.

If you are a California resident, you can submit a request to exercise your personal information rights under California privacy laws by visiting our online portal at Intercap Privacy Request Form or calling our toll-free number at 888-643-2133 (Ext. 330).

To protect your privacy, we may need to authenticate your identity before we respond to your rights request. We will verify your identity by asking you to provide information that matches what we have on file at the time you submit your request and/or sending an email to your email address on file with a link to click. If you do not complete the verification process, we may be unable to process your request. Any information you provide to authenticate your identity will only be used to process your rights request and not for any other purpose. Please be aware that we do not accept or process rights requests submitted through other means.

We will respond to your rights request within 45 days (or 15 business days for requests to opt-out of the sale of Personal Information, requests to opt-out of targeted advertising, and requests to limit the use of Sensitive Personal information), though in certain cases we may inform you that we will need up to another 45 days to act on your request. If we suspect fraudulent or malicious activity on or from your account, we will delay taking action on your request until we can appropriately verify your identity and the request as authentic. Also note that each of the rights are subject to certain exceptions.

We reserve the right to decline to process, or charge a reasonable fee for, requests from a California resident that are manifestly unfounded, excessive, or repetitive.

Notice of Right to Limit the Use of Sensitive Personal Information

You have the right to limit some uses of Sensitive Personal Information. In general, you may direct companies not to use Sensitive Personal Information except as necessary to provide goods or services you have requested or other exempt purposes.

You may submit a request to limit the use of your sensitive Personal Information by submitting a rights request as described above.

Children’s Data

We do not knowingly collect or use the Personal Information of children under 18. If you believe that we have collected the Personal Information of a child under 18, please contact us at compliance@intercaplending.com.

Authorized Agent Requests

California privacy law allows you to designate an authorized agent to make a rights request on your behalf. Your authorized agent may submit such a request by following the same method described above in the section titled Exercising Your Personal Information Rights. We may require verification of your authorized agent’s authority in addition to the information we require for verification of your identity.

Contact Us

If you have any questions or concerns regarding this California Privacy Notice, contact us at compliance@intercaplending.com.

Last updated: September 21, 2026