Privacy Policy

Effective Date: February 26, 2025

1. Introduction

Safe Haven Loan, LLC d/b/a Latte Loans (collectively, “Latte Loans,” “Company,” “we,” “our,” or “us”) is committed to maintaining the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information, as well as your rights regarding that information. This policy applies to information collected through our online services, websites, mobile applications (“apps”), and any communications with us via phone, email, text, or other methods (each, a “Service” and collectively, “Services”). Capitalized terms not defined in this Privacy Policy have the meanings given to them in our Terms of Service.

2. Information We Collect

We may collect the following types of personal information:

• Personal Identifiers: Name, address, email, phone number, date of birth, and Social Security number.
• Financial Information: Bank account details, credit history, and loan-related data.
• Transaction Information: Details of loans, payments, and other interactions with our Services.
• Technical Data: IP address, browser type, device identifiers, and usage data collected through cookies and similar technologies.
• Communication Data: Any correspondence with our customer service or other representatives.
• Employment Information: Current and former employers, income, and proof of income documentation.
• Consumer Reports: Credit score, credit history, and other related information.
• Banking Information: Account number, balance, and transaction history.

3. Information from Third-Party Sources

We may receive information about you from publicly and commercially available sources, business partners, consumer reporting agencies, or service providers. For example, we may use Plaid Technologies Inc. (“Plaid”) to collect and verify financial data. By using our Services, you authorize Latte Loans to access and transmit your personal and financial information.

4. Use of Cookies and Tracking Technologies

We and our service providers may use cookies, pixel tags, and other tracking technologies to enhance user experience, analyze website usage, and provide customized content. You can adjust cookie preferences through your browser settings. We may also use:

• Web Analytics: Third-party services, such as Google Analytics, to understand user behavior. You can opt out by installing the Google Analytics Opt-Out Browser Add-on.
• Targeted Advertising: Third-party advertising networks may use cookies to deliver interest-based advertising. You can manage preferences through the Network Advertising Initiative’s Consumer Opt-Out link or Digital Advertising Alliance’s Consumer Opt-Out link.

5. How We Use Your Information

We use your personal information for purposes including but not limited to:

• Providing, developing, and improving our Services.
• Processing transactions and fulfilling loan requests.
• Communicating with you regarding your account.
• Personalizing content and marketing efforts.
• Conducting surveys and special promotions.
• Performing audits and quality control.
• Complying with legal and regulatory obligations.
• Protecting against fraud, abuse, or unauthorized transactions.

6. Sharing of Your Information

We may share your information with:

• Service Providers: Vendors assisting with payment processing, customer service, analytics, and marketing.
• Legal & Regulatory Authorities: To comply with applicable laws and regulations.
• Business Transfers: In the event of mergers, acquisitions, or asset transfers.
• Marketing Partners: Only with your express consent. Note: This excludes text messaging originator opt-in data and consent, which will not be shared with any third parties as outlined in our Text Message Terms and Conditions.
• Public Forums: If you post publicly within our Services.
• With Your Consent: When authorized by you.

7. Data Security

We implement industry-standard security measures to protect your data. However, no method of transmission over the internet is entirely secure. You are responsible for maintaining the confidentiality of your account credentials.

8. Retention of Information

We retain personal information only as long as necessary to fulfill our business and legal obligations. Some information may be retained for compliance with federal and state regulations.

9. Your Choices and Rights

You have the following rights regarding your personal information:

• Access & Correction: Request access to or correction of your personal data.
• Opt-Out: Manage marketing preferences or opt out of promotional emails.
• Data Deletion: Request deletion of your personal data, subject to legal requirements.
• Manage Cookies: Adjust browser settings to manage cookie preferences.

To exercise these rights, please contact us at 737-235-6741.

10. Children’s Privacy

Our Services are not directed at individuals under 16, and we do not knowingly collect personal information from children. If we learn we have collected such data, we will delete it immediately.

11. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage users to review third-party privacy policies before submitting personal information.

12. Express Written Consent for SMS Messaging

By providing your mobile phone number and opting in, you agree to receive text messages from Safe Haven Loan, LLC d/b/a Latte Loans (“Latte Loans”) for Account-Related and Marketing purposes.

• Message and Data Rates: Message and data rates may apply. For questions about your text or data plan, please contact your wireless provider.
• Purpose of Messaging: You may receive account-related text messages for updates on your loan application, account status, and payment reminders. You may also receive marketing messages for promotions and new offers.
• Message Frequency: Message frequency will vary depending on your account status and communication preferences. For marketing messages, you can expect to receive approximately 5 messages per month.
• Opt-Out: You can opt out of receiving SMS messages at any time. Simply reply STOP to any message you receive.
• Help: For assistance, you can reply HELP to any message or call us at 737-235-6741‬.
• Data Sharing: Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties for their own marketing purposes. This information is held in strict confidence and is used solely to manage your SMS communications with us.

By using our text messaging services, you acknowledge that you have read, understood, and agree to these terms.

13. California Privacy Rights

Under the California Consumer Privacy Act (CCPA), California residents have additional rights, including:

• Requesting disclosure of personal information collected.
• Opting out of the sale of personal data.
• Requesting deletion of personal data, subject to exceptions.

To exercise your California privacy rights, contact us at:

Safe Haven Loan, LLC
500 N Central Expressway, Ste 500 #299
Plano, TX 75074

14. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted with an updated “Effective Date.” Continued use of our Services constitutes acceptance of the revised policy.

15. Contact Us

If you have questions about this Privacy Policy or your rights regarding your personal information, please contact us at:

Safe Haven Loan, LLC
500 N Central Expressway, Ste 500 #299
Plano, TX 75074

By using our Services, you acknowledge that you have read and understand this Privacy Policy.