Disclosure & Legal Information

What Data We Collect

We collect personal and financial information necessary to provide our lending services. This includes:

• Identity Information: Full name, date of birth, Social Security Number, government-issued identification
• Contact Information: Email address, phone number, mailing address
• Financial Information: Income, employment details, credit history, bank account information, tax records
• Technical Information: IP address, browser type, device identifiers, cookies, and browsing behavior

How We Use Your Data

Your information is used for the following purposes:

• Processing and evaluating your loan applications
• Verifying your identity and preventing fraud
• Communicating with you about your account and our services
• Complying with legal and regulatory requirements
• Improving our products, services, and website experience

Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. When your account is closed or services terminated, we will retain your information as required by law, including for tax, legal, and regulatory compliance purposes. Typically, we retain application data for seven (7) years after account closure, in accordance with financial record-keeping requirements.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality, including secure login and processing applications
• Analytics Cookies: Help us understand how visitors interact with our website by collecting anonymized usage data
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements
• Preference Cookies: Remember your settings and preferences for future visits

Purpose of Cookies

Cookies enable us to:

• Keep you signed in during your visit
• Remember your preferences and settings
• Analyze website traffic and improve performance
• Provide personalized content and recommendations
• Protect against fraud and ensure security

Managing Your Cookie Preferences

You can manage or disable cookies through your browser settings. Please note that disabling essential cookies may impair your ability to use our services. To manage cookies:

• Access your browser settings (usually under Privacy or Cookies)
• View what cookies are stored and delete them individually
• Set preferences for certain websites
• Enable "Do Not Track" signals

For more information about cookies, visit aboutcookies.org

User Agreement

By accessing or using the Greystone Capital website and services, you agree to be bound by these disclosure terms. If you do not agree to all of these terms, do not use our website or services.

Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Be capable of forming a binding contract
• Have a valid Social Security Number
• Meet our credit and income requirements

Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and truthful information
• Notifying us immediately of any unauthorized access
• Complying with all applicable laws and regulations

Disclaimers

Our website and services are provided on an "as is" and "as available" basis.GREYSTONE CAPITAL LENDING LLC makes no warranties, express or implied, regarding:

• The accuracy, reliability, or availability of our website
• The suitability of our products for your particular needs
• Continuous, uninterrupted, or secure access to our services
• Any errors or omissions in content or functionality

Limitations of Liability

To the fullest extent permitted by law, GREYSTONE CAPITAL LENDING LLC shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption or system failures
• Any damages arising from your use of third-party services
• Any acts or omissions of third-party lenders or partners

Our total liability shall not exceed the amount of fees you have paid to us in the twelve (12) months preceding the claim.

Indemnification

You agree to indemnify, defend, and hold harmless GREYSTONE CAPITAL LENDING LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of our services, your violation of these terms, or your violation of any rights of a third party.

Ownership

All content on this website, including but not limited to text, graphics, logos, images, software, design elements, and code, is the exclusive property of GREYSTONE CAPITAL LENDING LLC and is protected by U.S. and international copyright, trademark, patent, and other intellectual property laws.

Licensing

No portion of this website may be reproduced, distributed, modified, retransmitted, or sold without our prior written consent. You may download material for personal, non-commercial use only, provided you maintain all copyright and proprietary notices.

Restrictions

You may not:

• Use our trademarks, logos, or branding without authorization
• Create derivative works from our content
• Use automated tools to scrape or extract data
• Frame or mirror our website without permission
• Copy, modify, or distribute our proprietary technology

User-Generated Content

By submitting reviews, comments, or other content to our website, you grantGREYSTONE CAPITAL LENDING LLC a non-exclusive, royalty-free, perpetual, irrevocable right to use, reproduce, modify, adapt, publish, and display such content.

User Obligations

As a user of our services, you agree to:

• Provide accurate, complete, and current information in all applications
• Promptly notify us of any changes to your contact or financial information
• Make all loan payments by the agreed-upon due dates
• Maintain the security of your account and password
• Not share your account credentials with others
• Report any security breaches or unauthorized access immediately

Acceptable Use

You agree not to use our services for any:

• Illegal or unauthorized purpose
• Activity that violates any federal, state, or local laws
• Purpose that could damage, disable, or impair our systems
• Attempt to gain unauthorized access to our systems
• Activity that would result in fraud or financial loss
• Action that infringes on the rights of others

Compliance with Laws

You agree to comply with all applicable laws, regulations, and guidelines relating to your use of our services, including but not limited to consumer protection laws, anti-money laundering laws, and economic sanctions regulations.

GDPR Compliance

For users in the European Economic Area (EEA), we comply with the General Data Protection Regulation (GDPR). This includes:

• Lawful basis for processing your personal data
• Your rights to access, rectify, erase, and port your data
• Your right to object to or restrict processing
• Your right to withdraw consent at any time
• Data protection impact assessments for high-risk processing

CCPA Compliance

For California residents, we comply with the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect
• Right to delete your personal information
• Right to opt out of the sale of your information
• Right to non-discrimination for exercising your rights

We do not sell your personal information to third parties for monetary consideration.

Financial Regulations

GREYSTONE CAPITAL LENDING LLC is committed to compliance with all applicable federal and state financial regulations, including:

• Truth in Lending Act (TILA)
• Fair Credit Reporting Act (FCRA)
• Equal Credit Opportunity Act (ECOA)
• Gramm-Leach-Bliley Act (GLBA)
• Bank Secrecy Act (BSA) / Anti-Money Laundering (AML)
• Office of Foreign Assets Control (OFAC) sanctions

Licensing

GREYSTONE CAPITAL LENDING LLC maintains all required state lending licenses and complies with state-specific regulations. Our lending partners are also properly licensed and regulated in all jurisdictions where they operate.

Regulatory Bodies

We are subject to oversight by various regulatory bodies, including the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and state financial regulators. You may file complaints with:

• Consumer Financial Protection Bureau: www.consumerfinance.gov
• Federal Trade Commission: www.ftc.gov
• Your state attorney general or financial regulator