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PRIVACY POLICY
Last Updated: December 17, 2025
DirectLend (“DirectLend,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you use our websites and services (the “Services”). By using the Services, you agree to this Privacy Policy.
INFORMATION WE COLLECT
• Information you provide: name, email, phone, business address, business details (legal name, entity type, years in business, industry, revenue), and any info you share in forms, emails, or calls.
• Information collected automatically: IP address, device and browser type, pages viewed, time on page, clicks, and similar activity. We use cookies and similar tech to remember settings, analyze traffic, and improve the site.
• Information from third parties: service providers (fraud checks, analytics, security) and public/commercial sources (business info and related signals where permitted).
We may combine information from these sources.
HOW WE USE INFORMATION
• Provide and operate the Services.
• Communicate with you (support, updates, and transactional messages).
• Personalize your experience and improve the Services.
• Improve the site, perform analytics, and develop new features.
• Prevent fraud, secure our systems, and comply with law.
• Market our Services where allowed (for example, sending our own marketing emails). You can opt out at any time.
We may also use information with your consent or as allowed by law.
HOW WE SHARE INFORMATION
We do not share your personal information with third parties for their marketing or promotional purposes.
We may share personal information only with:
• Service providers that help us run the Services (for example: hosting, analytics, customer support, identity verification, fraud prevention, security, and communications).
• Authorities and others when required by law, to protect rights and safety, or to prevent fraud.
• Business transferees in connection with a merger, acquisition, or similar transaction.
We may share aggregated or de-identified information that does not identify you.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.
COOKIES AND ANALYTICS
We use cookies and similar technologies to keep the site working, remember preferences, and understand site performance.
Your choices:
• Browser settings may let you block or delete cookies.
• Some analytics providers offer opt-out tools depending on the service you use.
TEXT MESSAGES (SMS)
If you provide a phone number and opt in, we may send text messages related to the Services, including account notifications and customer care messages. Message frequency varies. Message and data rates may apply.
Opt-out:
You can opt out at any time by replying STOP. For help, reply HELP.
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.
YOUR PRIVACY CHOICES
• Marketing emails: use the unsubscribe link in our emails or contact us.
• Access, correction, deletion: depending on your state and applicable law, you may request access to, correction of, or deletion of certain personal information. See Contact Us below.
• Do Not Sell/Share (state laws): if applicable in your state, submit a request using the Contact Us methods. We will honor rights we are legally required to provide.
We will verify requests as required by law and may deny requests where a legal exception applies.
INFORMATION SECURITY
We use administrative, technical, and physical safeguards designed to protect personal information. No system is 100% secure. Please use strong passwords and keep your account information safe.
RETENTION
We keep personal information as long as needed to provide the Services, comply with legal obligations, resolve disputes, and protect our rights. We may keep de-identified information for longer.
THIRD-PARTY SITES
Our site may link to third-party websites or services. Their privacy practices are their own. Review their policies before sharing information.
CHILDREN’S PRIVACY
The Services are not directed to individuals under 18. We do not knowingly collect personal information from minors.
UNITED STATES ONLY
The Services are intended for use in the United States and are governed by U.S. law. Not all products are available in all states.
CHANGES TO THIS POLICY
We may update this Privacy Policy from time to time. The “Last Updated” date shows when it was revised. Material changes will be posted on this page and take effect as stated or when posted if not otherwise required.
CONTACT US
If you have questions or want to exercise a privacy right, contact us:
Email: accounts@directlend.ai
Mail: 501 E Kennedy Blvd, Suite 14 Tampa FL, 33606
STATE NOTICES (SUMMARY)
Depending on where you live (for example, CA, CO, CT, VA), you may have rights to access, correct, delete, or opt out of certain uses of personal information. To exercise these rights, use the Contact Us methods above and include your name, business name, email, and state of residence. If we deny your request, you may have the right to appeal by replying to our decision.
Terms of Use
Last Updated: November 7, 2025
IMPORTANT: THIS AGREEMENT INCLUDES AN ARBITRATION AGREEMENT, JURY TRIAL WAIVER, AND CLASS ACTION WAIVER. PLEASE SEE “DISPUTE RESOLUTION” BELOW.
Acceptance of Terms
These Terms of Use (“Terms”) govern your access to and use of the DirectLend website(s), tools, and related services (the “Services”). By accessing or using the Services, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
Who We Are
DirectLend is an online marketplace that helps U.S. small businesses get matched with potential lenders and financing partners (“Network Partners”). DirectLend is not a lender, creditor, broker of record, or financial advisor. We do not make credit decisions, issue commitments, or guarantee approvals, rates, amounts, or timing. Any loan, line of credit, or other financing you pursue is offered, underwritten, and serviced by the Network Partner you choose, under that partner’s terms and policies.
Eligibility and U.S. Use
The Services are intended for individuals 18 or older located in the United States. Not all products are available in all states.
Changes to These Terms
We may update these Terms at any time. The “Last Updated” date shows the latest version. Continued use of the Services after changes means you accept the updated Terms.
Your Information and Responsibilities
a) Accuracy: You agree that all information you provide is true, current, and complete, and that you will promptly update it as needed.
b) Your Account: If you create an account, keep your login details secure. You are responsible for activity under your account.
c) Matching and Applications: Submitting information to be matched is not a credit application. Network Partners set their own criteria and may require additional information and a hard credit pull if you choose to apply with them.
d) Communications Consent: By submitting your information, you consent to be contacted by DirectLend and, if matched, by Network Partners at the phone number(s) and email you provide, including via autodialed, prerecorded, or text messages where permitted. Message/data rates may apply. You can opt out of DirectLend marketing emails via the unsubscribe link or by emailing privacy@directlend.ai. To stop communications from a Network Partner, contact that partner directly.
Acceptable Use
You agree not to:
• Use the Services for any unlawful purpose or to violate any law or regulation.
• Copy, scrape, crawl, or harvest content or data from the Services.
• Reverse engineer or attempt to obtain the source code of the Services.
• Interfere with the security, functionality, or performance of the Services.
• Impersonate any person or entity or misrepresent your affiliation.
• Use the Services or any content to train, develop, or improve AI or machine-learning models without our prior written consent.
Intellectual Property
The Services and all related content, trademarks, logos, and software are owned by DirectLend or our licensors and are protected by law. You may use the Services only for your personal, lawful use. No rights are granted except as expressly stated in these Terms.
Third-Party Sites and Partners
The Services may link to third-party websites or tools and may display offers from Network Partners. We do not control and are not responsible for third-party content, availability, policies, or practices. Your dealings with any Network Partner are solely between you and that partner.
No Financial, Legal, or Tax Advice
Content on the Services is for general information only and is not financial, legal, tax, or investment advice. You should consult your own professional advisors.
No Guarantees
We do not guarantee matches, offers, approvals, funding amounts, timing, or that the Services will be error-free or uninterrupted. Rates, terms, and eligibility are set by Network Partners and may change at any time.
Disclaimer of Warranties
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” DIRECTLEND DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, TIMELY, ERROR-FREE, SECURE, OR UNINTERRUPTED.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DIRECTLEND WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES. TO THE EXTENT WE ARE LIABLE NOTWITHSTANDING THE FOREGOING, OUR TOTAL LIABILITY SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).
Indemnification
You agree to indemnify and hold harmless DirectLend and our officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; or (c) your violation of any law or third-party right.
Dispute Resolution (Arbitration, Class Action Waiver, Jury Trial Waiver)
a) Informal Resolution: Before filing a claim, you agree to email us at legal@directlend.ai with your name, contact info, and a description of the dispute, and to work with us in good faith for 60 days to try to resolve it.
b) Arbitration: If we cannot resolve the dispute informally, you and DirectLend agree to resolve any claim or dispute arising out of or relating to these Terms or the Services by binding, individual arbitration under the Federal Arbitration Act. Administration shall be by JAMS (or, if JAMS is unavailable, another nationally recognized administrator) under its applicable rules, as modified by this section. The arbitrator shall have exclusive authority to resolve all issues (including arbitrability), and may award individual relief permitted by law.
c) Class and Jury Waivers: YOU AND DIRECTLEND WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY.
d) Small Claims: Either party may bring qualifying claims in small-claims court in the county of your residence or Hillsborough County, Florida.
e) Opt-Out: You may opt out of arbitration within 30 days after you first accept these Terms by emailing legal@directlend.ai with your name, email, and a clear statement that you opt out of the arbitration agreement.
f) Venue and Fees: Unless required otherwise by applicable rules, the arbitration will take place by video or in Hillsborough County, Florida. The administrator’s rules govern fees. Each party pays its own lawyers’ fees unless the arbitrator awards otherwise as allowed by law.
Governing Law
These Terms are governed by Florida law, except for the arbitration terms, which are governed by the Federal Arbitration Act.
Termination
We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including suspected violation of these Terms. Sections that by their nature should survive will survive termination (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and Governing Law).
Entire Agreement; Severability; Waiver
These Terms and our Privacy Policy are the entire agreement between you and DirectLend regarding the Services. If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the remainder will remain in effect. Our failure to enforce a provision is not a waiver.
Contact Us
Legal/Notices: accounts@directlend.ai
Mail: DirectLend, 501 E Kennedy Blvd, Suite 14, Tampa, FL 33602

