Privacy Policy

1. Who We Are

Podium Financing, LLC ("Podium," "we," "us," or "our") operates a technology platform at podiumfinancing.com that connects consumers with independent specialty lenders for vehicle financing. This Privacy Policy explains what information we collect, how we use it, and your rights with respect to your personal information.

By using the Platform or submitting a financing inquiry, you agree to the practices described in this Privacy Policy.

2. Information We Collect

Information You Provide Directly: When you submit a financing profile, we collect:

• Identifying information: full name, date of birth, email address, phone number, and state of residence
• Address information: street address, city, state, ZIP code, and time at current address
• Housing information: housing status and monthly housing payment
• Financial information: employment type, annual income, monthly debt obligations, liquid assets, net worth range, and down payment amount
• Vehicle information: year, make, model, trim, VIN (if provided), condition, and purchase price
• Identity verification: last four digits of Social Security Number
• Credit profile: self-reported credit score range

Information Collected Automatically: When you visit the Platform, we may collect standard web analytics data including IP address, browser type, device type, pages visited, and referring URLs, used solely for platform performance and security.

3. How We Use Your Information

We use the information you provide to:

• Evaluate your financing inquiry and prepare a structured deal package for submission to lenders
• Route your profile to multiple specialty lenders in the Podium network best positioned to provide competing offers
• Communicate with you regarding your financing inquiry and offer status
• Process your platform fee payment through our third-party payment processor
• Fulfill our legal and regulatory obligations and maintain required transaction records
• Improve the Platform and develop new features

4. How We Share Your Information

With Lenders: Your financing profile is shared with the lenders selected to review your deal. Each lender has signed a Lender Participation Agreement restricting use of your information to evaluating your financing inquiry only.

We Do Not Sell Your Data: Podium does not sell, rent, trade, or otherwise transfer your personal information to any third party for marketing, advertising, or commercial purposes. Your information is shared only with verified lenders evaluating your specific financing inquiry.

Service Providers: We may share information with third-party service providers who assist in operating the Platform. These providers are contractually bound to use your information only as directed by Podium.

Legal Requirements: We may disclose your information if required to do so by law, regulation, court order, or governmental authority.

5. FCRA Notice and Credit Information

By submitting a financing inquiry, you authorize Podium to obtain your consumer credit profile for pre-qualification purposes. This constitutes a soft inquiry and will not affect your credit score. A hard inquiry will only occur if you select a lender offer and choose to proceed directly with that lender.

You have the right under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) to receive a free copy of your consumer report and to dispute inaccurate information.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy and comply with our legal obligations. Deal records are typically retained for a minimum of five years. You may request deletion of your information by contacting us at dylan@podiumfinancing.com, subject to our legal retention obligations.

7. Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. No method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Your Rights

Depending on your state of residence, you may have the right to access, correct, delete, or receive a portable copy of your personal information. To exercise any of these rights, contact us at dylan@podiumfinancing.com. We will respond to verified requests within 30 days.

California Residents: You have additional rights under the CCPA (Cal. Civ. Code § 1798.100 et seq.), including the right to know, delete, and opt out of the sale of personal information. Podium does not sell personal information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on the Platform with the revised effective date. Your continued use of the Platform constitutes acceptance of the revised Privacy Policy.

10. Contact Us

Podium Financing, LLC
Dylan Ritchey, Founder
dylan@podiumfinancing.com
386.882.0867
podiumfinancing.com