Last Updated / Effective Date: 12/1/2025

Enviridi Inc., doing business as loanTERRA and fiTERRA, and third parties acting on our behalf (collectively “Company”, “we”, “our”, or “us”), respect your privacy. This Privacy Policy explains how we collect, use, disclose, and retain your personal information when you visit our website, loanterra.com, and other related websites (“Site”).

This Privacy Policy applies to personal information processed by us, including on our Site, our online or offline services and communications, and any other platforms and programs that link to this Privacy Policy.

By accessing or using the Site, you agree to the collection, use, disclosure, and retention of your personal information as outlined in this Privacy Policy. If you do not agree to this Privacy Policy, you must cease using this Site immediately.

Personal Information We Collect
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Personal information is any data that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you.

We collect the following categories of personal information for all loan applicants:
‍Name: To identify you and personalize your experience.
‍Address and Date of Birth: For loan approval and other business purposes.
‍Email Address: To communicate with you, including sending updates, newsletters, or promotional content.
‍Phone Number: To contact you for customer support, marketing communications, or business-related inquiries.
‍Social Security Number: To verify your identity and obtain your credit report to determine if you fit our lending criteria.
‍Income Information: To determine loan eligibility based on your ability to repay.
‍Annual Income, Employment Status, and Length of Current Employment: To determine loan eligibility and ability to repay.
‍Residence Ownership Status and Length of Residence at Current Address: To determine loan eligibility based on our lending criteria.
‍Citizenship Status: To determine loan eligibility and match your status with a lender’s policies.
Additional Income Sources and Amounts: To determine loan eligibility and ability to repay that is not obtained by other sources in the application process.
‍Referral Source: We may collect information about how you found our Site, including the referring company or affiliate.
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We may collect this personal information directly from you when you voluntarily fill out forms on our Site, sign up for an account, subscribe to newsletters, contact us, complete a transaction, or otherwise interact with us. We may also collect personal information about you from third-party service providers and other sources, which may include, internet service providers, data analytics providers, government entities, operating systems, and platforms.

We may also collect other information which may or may not be able to be used to identify you, such as your interactions with the Site, which may include, but is not limited to, browser and device information, data collected through automated electronic interactions, usage data, demographic information, geographic or geolocation information, statistical and aggregated information, and other Internet or other electronic network activity information, including, but not limited to, browsing history, and search history.

How We Use Your Personal Information
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We use the personal information we collect about you for the following purposes:
‍To Provide Services: To respond to inquiries, process orders, or provide customer support.
‍Marketing Communications: To send you updates, promotional materials, and information related to products or services that may be of interest to you. You may opt-out of receiving marketing email communications at any time by following the unsubscribe instructions in any such email that you receive.
‍Referral and Transaction Tracking: To track referral sources and credit the appropriate referring company or affiliate for transactions or leads generated through their referral link. This includes tracking the transactional data of both the user and the referring company/affiliate. This helps us evaluate and optimize our referral programs. The transactional data may be collected directly from the referring company or affiliate as part of this process.
‍Special Offers and Personalized Promotions: To offer you personalized promotions, discounts, or special offers based on your preferences, purchasing behavior, or other personal information provided during your interactions with us. Additionally, we may use data from the referring company or affiliate, along with your interactions on our Site, to provide targeted offers and promotions that are relevant to you.
To Improve User Experience: To analyze and improve the content, functionality, and performance of the Site.
‍Administrative Purposes: To ensure internal quality control and safety; authenticate and verify individual identities, including requests to exercise any privacy rights; debug to identify and repair errors with our Site and services; conduct audits relating to interactions, transactions, and other compliance activities; enforce our agreements and policies; and for other legitimate business purposes unless otherwise prohibited by law.
‍With Your Consent: We may use personal information for other purposes for which you provide consent.
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De-Identified Personal Information: We may use your personal information to create de-identified and/or aggregated information. If we de-identify your personal information, we publicly commit to retain and use the de-identified personal information without attempting to re-identify the de-identified personal information. If we combine de-identified personal information with personal information, we will treat the combined data as personal information subject to this Privacy Policy.

‍Disclosures of Your Personal Information
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We will not sell, rent, or lease your personal information to third parties. However, we may disclose your personal information to trusted third parties in the following cases:
‍Service Providers: We may disclose your personal information with third-party vendors or service providers who assist us in operating the Site or providing services to you (e.g., loan servicing partners or lenders).
‍Business Partners: We may disclose your personal information with our business partners to facilitate the delivery of products and services. For example, when such disclosures are necessary, or for engineering, procurement, or construction purposes.
‍Referral Partners and Affiliates: We may disclose certain personal information (such as referral source and transactional data from both the user and the referring company/affiliate) with referring companies, affiliates, or partners for the purpose of tracking and crediting referrals and managing our referral program. This includes disclosing transactional data that is tied to both the user and the referring affiliate or company, including any performance-based or commission data. This transactional data may be collected directly from the referring company or affiliate.
‍Legal Compliance: We may disclose your personal information if required to do so by law, such as to comply with a subpoena or similar legal process, or if we believe such action is necessary to protect the rights, property, and safety of Company, our customers, or others.
Event of Merger, Sale, or Other Asset Transfers: We may disclose your personal information if we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, as part of such a transaction, as permitted by law and/or contract.
‍With Your Consent: We may disclose personal information to third parties for whom you have provided consent to such disclosures.
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We may also disclosure your personal information for any other legitimate business purposes unless otherwise prohibited by law. To the extent that we disclose your personal information, we may disclose any of the above categories of personal information to any of the above described third parties for any business or commercial purpose.

Your State Privacy Rights and Choices
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Depending on your state of residence and applicable laws, you may have certain rights regarding your personal information:

If you wish to exercise any of these privacy rights, please contact us at privacy@loanterra.com. When making a privacy request, please be prepared to provide: your name, email address, and phone number. We will verify your identity by comparing this information to our business records.

An authorized agent may submit a request on your behalf. A parent or guardian may also submit a request on behalf of a child.

‍Third-Party Websites
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Our Site may contain links to third-party websites that are not controlled or operated by us. This Privacy Policy does not apply to third-party websites. Any such third-party may have practices that differ from us, and we are not responsible for any collection or use of your personal information by such websites. We encourage you to review the privacy policies of any third-party websites you visit. We do not endorse or authorize any of the privacy and security practices conducted by other websites, nor are we liable for any privacy practices of those websites.

Children’s Privacy
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Our Site is not intended for individuals under the age of 13 years (or other age as required by applicable law). We do not knowingly collect personal information from children under the age of 13 years. If we become aware that we have inadvertently collected such information, we will take steps to delete it, unless we have a legal obligation to keep it. If you believe your child has provided us with personal information, please contact us to remove it.

Retention of Personal Information
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We store the personal information we collect as described in this Privacy Policy for as long as you use the Site, as necessary to fulfill the purpose(s) for which it was collected, resolve disputes, establish legal defenses, conduct audits, perform other legitimate business purposes, enforce our agreements, comply with applicable laws, or based upon other criteria, including, but not limited to, the sensitivity and volume of such data. We endeavor to retain and dispose of all such personal information in accordance with reasonable industry standards.

Changes to This Privacy Policy
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We may update this Privacy Policy from time to time to reflect changes in our privacy practices, legal requirements, or the functionality of the Site. We will notify you of any material changes as required by applicable law, such as by posting the updated Privacy Policy on this page with a revised "Last Updated / Effective Date." If you continue to access the Site or use any of our services after the new Privacy Policy has taken effect, we will assume you have read and acknowledged the new terms. Please review this Privacy Policy periodically to stay informed about how we are protecting the privacy of your personal information.

Contact Us
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If you have any questions or concerns about this Privacy Policy or our practices regarding your personal information, please contact us at:

Enviridi Inc.
2107 Elliot Avenue, Seattle, WA, 98121
Email: privacy@loanterra.com