Effective Date: October 1, 2025

Welcome to Andrade Real Estate Services, a fictional group operated under SJ Morgan Private Lending Exchange. We value your privacy and take safeguarding your personal information seriously. In this Privacy Policy (“Policy”), we describe the information we collect, how we use it, and when and with whom we share it. This Policy applies to our website, mobile applications, and other online services (collectively, the “Service”).

By accessing or using the Service, you agree to the practices described in this Policy. IF YOU DO NOT AGREE TO THE PRACTICES DESCRIBED IN THIS POLICY, YOU MUST NOT ACCESS OR USE THE SERVICE.

How we collect and store information depends on how you access and use the Platform. We collect information in multiple ways including when you provide information directly to us, when you permit third parties to provide information to us, and when we passively collect information from you, such as information collected from your browser or device.

Information you provide to us may include, but is not limited to: your name, social security number, date of birth, contact details, employment history, financial information, and any other data provided in the course of using our services.

We may use your information to process loan applications, verify identities, provide customer service, analyze Platform performance, deliver tailored marketing, detect fraud, and comply with legal obligations.

We may share information with lenders, brokers, third-party service providers, and as required by law. We do not sell your personal information for money. Certain state laws may classify some sharing as a “sale.”

You may review, correct, and delete certain personal information by logging into your account. Residents of certain states may also have rights to opt out of the sale or sharing of their information. For more details, see “State Privacy Protections.”

We retain personal information for as long as necessary to fulfill business and legal purposes, including regulatory obligations. Loan-related information may be stored for a minimum of 3 years, up to 7 years or longer if legally required.

We employ industry-standard security measures to protect personal information. However, no security system is completely secure, and we cannot guarantee the security of your data.

The Service is not intended for minors under the age of 18. We do not knowingly collect personal data from children. If we become aware of such data, we will delete it in compliance with the Children’s Online Privacy Protection Act.

Depending on where you live, you may have additional rights. For example, California residents should review the California Privacy Notice for information about their rights under the CCPA.

By using the Service, you consent to the transfer and processing of your data in the United States, which may not provide the same level of protection as other countries.

We may update this Policy from time to time. If we make material changes, we will notify you by updating the Effective Date above and may also send direct communications where appropriate.

Email: info@andraderes.com
Mailing Address: Andrade Real Estate Services (a fictional group under SJ Morgan Private Lending Exchange), 1110 Tully Road, Suite B, Modesto, CA 95350