Privacy Policy

Your privacy is critically important to Pannonia Lending Partners LLC (“Pannonia Lending Partners”).

Pannonia Lending Partners operates the website www.pannoniafcu.org. We respect your privacy and are committed to protecting your personal information when you use our website.

Information We Collect

• Non-Personal Information: Like most websites, we collect non-personally-identifying information such as browser type, language preference, referring site, and date/time of visits. This helps us understand how visitors use our site and improve user experience.
  
• Personal Information: We collect personal and financial information during registration and use of the site. This may include your name, email, home address, and phone number. This information is necessary to:
  
  • Create secure user profiles
    
  • Verify identities and eligibility
    
  • Enable transactions and communications
    
  • Prevent fraud
    

We use this information to provide our services and comply with legal requirements. We retain your information as long as your account is active or as needed.

Use and Disclosure of Information

Your personal information is shared only with employees, contractors, or affiliated partners who need it to provide services, and who agree to keep it confidential. We do not sell or rent your information.

We may disclose personal information if required by law or to protect the rights, property, or safety of Pannonia Lending Partners, our users, or the public.

Communications

You will receive transactional emails related to your account and activities that are necessary for security and service delivery. You may also receive occasional updates or surveys, which you can opt out of.

Requests or feedback sent to us may be published anonymously to help clarify issues or support other users.

Cookies and Third-Party Links

We use cookies to improve site functionality and user experience. You can disable cookies via your browser settings, but this may limit site features.

Advertisements on our site may use cookies set by third-party advertisers to deliver targeted ads. This Privacy Policy does not cover third-party cookies.

We are not responsible for the privacy practices of websites linked to from our site. Please review their privacy policies separately.

Security

We take reasonable measures to protect your information from unauthorized access, alteration, or destruction.

How and When Your Information Is Shared with Other Parties

Pannonia Lending Partners shares information about borrowers and investors in the following ways:

• Public Profiles: Required and optional information about borrowers and investors appears on public profiles, which members can update or remove at any time. Optional information is not mandatory, and while Pannonia Lending Partners may monitor this information to help protect your identity, it is not obligated to do so.
  
• Loan Listings: Personal (but not sensitive) borrower information is displayed in loan listings viewable by all users. This information is also filed with the Securities and Exchange Commission (SEC) and is therefore publicly available.
  
• Financial and Credit Information: Borrowers’ financial and credit data is shown to qualified investors on loan listing pages and is also filed with the SEC, making it publicly accessible. Additionally, this information appears anonymously in aggregated loan data files on the statistics page.
  
• Direct User Sharing: Information may be shared directly between users or potential users. Such direct exchanges may include personal information shared voluntarily by the users.
  
• Sharing with Consent: Pannonia Lending Partners may share your required and optional information with third parties, but only with your explicit consent.
  

Privacy and Anonymity on the Site

To protect privacy, borrowers and investors use screen names on the site and are identified only by these aliases. Borrowers can see the screen names of their investors and vice versa. However, borrowers have public profiles and loan listings showing their information to users who view those pages. Loan listings also include credit grades and financial data for qualified investors to evaluate loan requests. As noted, this data is included anonymously in loan data files for statistical purposes.

Investors may choose to include personal information in their public profiles. Members participating in blogs or forums are identified only by their screen names.

Importantly, blog/forum posts are not linked to loan listings or funding decisions, and Pannonia Lending Partners is not responsible for any personal information users voluntarily disclose in screen names, loan requests, blogs, or profiles. Given the community nature of the platform, sharing some personal information may be necessary to facilitate transactions and achieve successful loan funding.

Blogs and Forums

If you post in any blog or forum hosted by Pannonia Lending Partners, be aware that any personal information you submit can be read and collected by other users, and may be used to send unsolicited messages. Pannonia Lending Partners is not responsible for information you share in these public forums.

To request removal of your personal information from our blogs, contact us at support@pannoniafcu.org.

Legal and Security Disclosures

Pannonia Lending Partners may disclose your personal information to law enforcement or government agencies as required by law or to prevent fraud. We reserve the right to disclose information to protect our rights or comply with legal processes, court orders, or judicial proceedings.

Trusted Partners

We work with trusted third parties who provide critical services such as credit reporting, collections, electronic payments, and customer support. We share your information with these partners only as necessary to perform these services. All partners are contractually required to keep your information confidential and secure.

Subscriber consent data related to text messaging will not be shared with third parties without explicit authorization.

Notifications

You will receive email notifications related to your transactions and account security. These include confirmations of actions such as registration, loan requests, or changes to your account, which you cannot opt out of.

Access and Correction of Your Information

You can view and update your personal information in the “My Account” section of the website, which is password protected. For changes to sensitive information, please contact us at support@pannoniafcu.org.

Log Files

Like most websites, we collect certain technical information automatically, including IP addresses, browser type, ISP, referring/exit pages, operating system, date/time stamps, and clickstream data, which helps us improve the site.

Compliance with Laws

This Privacy Policy does not encompass all your privacy rights, which may vary by state. We may be required by law to retain your information for up to seven years for compliance, reporting, and audit purposes.

Changes to This Privacy Policy

We may update this Privacy Policy occasionally. We encourage you to check this page regularly. Continued use of the site after changes constitutes acceptance of the updated policy.