Marketing Practices

Effective Date: January 1, 2025

Our Commitment to Transparent Marketing

At Lean Personal Finance LLC ("Company," "we," "us"), we are committed to honest and transparent marketing practices. This disclosure explains how we market our services and communicate with potential and existing users.

Advertising Standards

We adhere to the following advertising principles:

  • Truthfulness: All advertising claims are accurate and can be substantiated
  • Clarity: We clearly disclose that we are a loan-matching platform, not a direct lender
  • No Guarantees: We do not guarantee loan approval or specific terms
  • Rate Disclosure: When advertising rates, we clearly state that rates vary and provide the full APR range (5.99% to 35.99%)
  • Representative Examples: We use realistic examples that reflect typical loan scenarios

Communication Channels

We may communicate with you through:

Email Marketing

  • Promotional emails about our services and loan offers
  • Educational content about personal finance
  • Updates about your application status
  • Service announcements and policy changes

You can opt-out of promotional emails at any time by clicking the unsubscribe link in any email or visiting our unsubscribe page.

SMS/Text Messages

  • Application status updates
  • Important account notifications
  • Marketing messages (with your consent)

You can opt-out of SMS messages by replying STOP to any message.

Push Notifications

If you use our mobile app, you may receive push notifications about loan offers and updates. You can disable these in your device settings.

Third-Party Marketing

We work with marketing partners to reach potential customers. When you respond to an advertisement and submit information through our platform:

  • Your information may be shared with lending partners to provide loan offers
  • You may be contacted by lending partners directly
  • Your information will be handled according to our Privacy Policy

Affiliate Marketing

We may work with affiliate partners who promote our services. These partners are required to:

  • Accurately represent our services
  • Comply with all applicable advertising laws
  • Clearly disclose their relationship with us
  • Not make false or misleading claims

Data Use in Marketing

We may use your information for marketing purposes including:

  • Personalizing offers based on your profile
  • Creating lookalike audiences for advertising
  • Measuring advertising effectiveness
  • Improving our services based on user behavior

For more details, see our Privacy Policy and Do Not Sell My Info page.

Compliance

Our marketing practices comply with:

  • Federal Trade Commission (FTC) Act
  • CAN-SPAM Act for email marketing
  • Telephone Consumer Protection Act (TCPA) for calls and texts
  • California Consumer Privacy Act (CCPA)
  • State-specific advertising regulations

How to Opt-Out

You have control over how we communicate with you:

  • Email: Click unsubscribe in any email or visit our unsubscribe page
  • SMS: Reply STOP to any text message
  • Push Notifications: Disable in your device settings
  • Data Sharing: Visit our Do Not Sell My Info page

Report a Concern

If you believe our marketing practices do not meet these standards, please contact us:

Lean Personal Finance LLC
Email: compliance@leanpersonalfinance.com