Our Commitment to Your Privacy and Transparent Operations

1. Privacy Policy

This policy describes how Leres Nito LLC manages personal information and commits to privacy protection, applicable to all users interacting with our educational resources. Our jurisdiction is based in the United States.

1.1 Information We Collect

We only collect data necessary to provide and improve our educational guidance:

• Contact Information: Collected when you submit a form (name, email, phone number) for inquiries or newsletters.
• Usage Data: Pages viewed, time spent on the site, referring website URLs, which we gather using standard analytics tools.
• Device Information: Browser type, IP address, and device type to optimize site performance and security.

1.2 How We Use Your Information

Your data is used solely for educational and functional purposes:

1. To respond to your specific inquiries and provide requested educational materials.
2. To analyze website usage and traffic patterns, helping us improve our resources and content quality.
3. To send opt-in newsletters or updates about new educational guides or services (users can unsubscribe at any time).
4. To adhere to legal obligations and prevent fraud or misuse.

1.3 How We Share Your Information

Leres Nito LLC explicitly states that we DO NOT sell personal information to third parties, nor do we share information with lenders for direct marketing purposes.

We MAY disclose data only to trusted service providers who assist in operating our website and business, subject to strict confidentiality agreements (e.g., hosting, professional analytics). We may also release information if legally required by law enforcement or government authorities.

1.4 Data Security and Retention

We employ both administrative and technical safeguards (including SSL encryption and secure servers) to protect the information transmitted to us. While no method is 100% secure, we commit to using industry best practices. We retain personal data only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

1.5 Your Rights

You have the right to access, correct, or request the deletion of your personal information, subject to mandatory legal retention requirements. To exercise these rights, please contact us using the information provided in Section 6.

2. Terms of Service

By accessing or using the Leres Nito LLC website and its content, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you must not use our website. These terms were last revised on October 26, 2023.

2.1 Educational Purpose and Disclaimers

The content provided by Leres Nito LLC is strictly for educational, informational purposes and does not constitute financial, legal, or tax advice. We are not a loan brokerage, lender, attorney, or financial advisor. Users must consult with qualified professionals for specific advice related to their personal or business financial situation. Leres Nito LLC makes no guarantee of loan approval or specific financial outcomes.

2.2 Acceptable Use and Intellectual Property

You may use the content for personal, non-commercial educational and research purposes. You agree not to:

• Use automated scripts or scraping tools to extract data from the website.
• Reproduce, duplicate, copy, or otherwise exploit any content for any unauthorized commercial purpose without explicit written permission.
• Introduce viruses, malware, or other malicious code.

All content, including text, graphics, logos, and design, is the property of Leres Nito LLC and protected by intellectual property laws. You are granted a limited, revocable license to view and print these materials for personal use only.

2.3 Third-Party Links and Content

Our website may contain links to external third-party websites for your convenience. These links do not constitute endorsement, and Leres Nito LLC has no control over or responsibility for the content or privacy policies of those external sites. Users should evaluate third-party offers independently.

2.4 Limitation of Liability and Indemnification

To the maximum extent permitted by applicable law, Leres Nito LLC shall not be liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use the website, including any decisions made based on the educational information provided. You agree to indemnify and hold harmless Leres Nito LLC against any claims arising from your breach of these terms or misuse of the website.

2.5 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

3. Cookie Policy

Our Cookie Policy explains what cookies are, how we use them, how third parties we partner with may use cookies on our services, and your choices regarding cookies.

3.1 What Are Cookies?

Cookies are small pieces of data stored on your device (computer or mobile device) when you visit a website. They generally contain information about the website itself and a unique identifier that allows the site to recognize your browser on subsequent visits.

3.2 Cookies We Use

We use cookies for a few distinct purposes:

• ● Essential Cookies: Necessary for the website to function correctly (e.g., managing session state).
• ● Analytics Cookies: Used to understand how our visitors interact with the website, helping us improve content structure and performance (e.g., Google Analytics).

We currently use Google Analytics to track general usage statistics and improve site experience. You can review the Google Analytics use policy separately.

3.3 Managing Cookies

You have the right to accept or refuse cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, disabling cookies may impact certain functionalities of our educational site.

4. Additional Rights for EU and California Residents

4.1 GDPR Rights (for European Union Residents)

If you are a resident of the European Economic Area (EEA), you possess enhanced rights regarding your personal data:

• Right to access your collected personal data.
• Right to rectification of inaccurate information.
• Right to erasure (the 'right to be forgotten').
• Right to object to processing and to data portability.
• Right to withdraw consent where processing is based on consent.

4.2 CCPA Rights (for California Residents)

California residents have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is being collected.
• Right to request deletion of personal information.
• Right to opt-out of the sale of personal information (Note: Leres Nito LLC does not sell your data).
• Right to non-discrimination for exercising your CCPA rights.

To submit a verifiable request concerning your rights under GDPR or CCPA, please use the contact information provided in Section 6.