Privacy Policy — LendBrief

Effective Date: August 2026 Last Updated: August 2026

LendBrief™ is a product and software platform owned and operated by Cien Rios LLC, a Florida limited liability company.

In this Privacy Policy, "LendBrief," "Platform," "we," "us," and "our" refer to Cien Rios LLC in connection with its operation of LendBrief™.

Website: https://lendbrief.com

1. Introduction

Cien Rios LLC ("Cien Rios") respects the privacy and security of individuals and businesses using LendBrief™.

LendBrief is a software and workflow platform designed to support commercial equipment financing workflows, document processing, application intake, financial-data analysis, deal preparation, and routing of financing requests to participating third-party lenders, funding sources, brokers, dealers, and other authorized parties.

This Privacy Policy explains how we collect, use, process, disclose, retain, and protect information when you:

Visit LendBrief.com;
Create or use a LendBrief account;
Use the LendBrief software platform;
Submit or manage a commercial financing request;
Upload documents;
Connect an authorized third-party service;
Communicate with us;
Act as a broker, dealer, applicant, guarantor, lender, capital provider, or authorized representative; or
Otherwise interact with LendBrief.

By using LendBrief, you acknowledge the data practices described in this Privacy Policy.

2. Information We May Collect

The information we collect depends on how you interact with LendBrief and which features you use.

2.1 Account and Organization Information

We may collect:

Name;
Business email address;
Telephone number;
Job title;
Company or organization name;
Business address;
Account credentials;
Account preferences;
User role;
Organization membership; and
Authentication and security information.

2.2 Commercial Applicant Information

Information submitted in connection with a commercial financing request may include:

Legal business name;
DBA or trade name;
Business address;
Employer Identification Number or Tax Identification Number;
Entity type;
State of formation;
Time in business;
Industry information;
NAICS or SIC codes;
Annual or monthly revenue;
Ownership information;
Beneficial ownership information;
Equipment information;
Vendor information;
Requested financing amount;
Financing purpose; and
Other information relevant to the requested commercial transaction.

2.3 Owner and Guarantor Information

When necessary for a financing transaction and lawfully provided or authorized, information may include:

Full legal name;
Contact information;
Residential address;
Date of birth;
Ownership percentage;
Government-issued identification information;
Social Security Number or other taxpayer identification information; and
Credit-related information.

We seek to collect sensitive personal information only when reasonably necessary for the requested service, financing workflow, identity verification, fraud prevention, legal compliance, or another legitimate business purpose.

2.4 Financial and Supporting Documents

Users may upload or authorize access to documents including:

Business bank statements;
Tax returns;
Profit-and-loss statements;
Balance sheets;
Accounts receivable information;
Equipment invoices;
Purchase orders;
Vendor quotes;
Corporate records;
Government-issued identification;
Financing applications; and
Other financial or business documentation.

2.5 Information from Authorized Third Parties

At your direction or with appropriate authorization, we may receive information from third-party providers such as:

Financial account verification providers;
Identity verification providers;
Know Your Business ("KYB") providers;
Know Your Customer ("KYC") providers;
Fraud-prevention providers;
Payment processors;
E-signature providers;
Commercial data providers;
Credit-related service providers, where legally authorized;
Lenders and capital providers; and
Other services connected to LendBrief by an authorized user.

The information received depends on the integration and the permissions granted.

2.6 Automatically Collected Information

When you access LendBrief, we may automatically collect:

IP address;
Device identifiers;
Browser type;
Operating system;
Login timestamps;
Session information;
Referring URLs;
Pages or features accessed;
Application events;
Security events;
Error logs;
Approximate location derived from IP address; and
Other diagnostic and usage information.

2.7 Cookies and Similar Technologies

We may use cookies and similar technologies for:

Authentication;
Session management;
Security;
Fraud prevention;
User preferences;
Platform functionality;
Performance monitoring; and
Analytics.

Where required by applicable law, users will be provided appropriate choices regarding non-essential cookies.

3. How We Use Information

Cien Rios LLC may process information through LendBrief to:

Provide and operate the Platform;
Authenticate users;
Maintain user and organization accounts;
Process commercial financing intake information;
Parse and organize uploaded documents;
Extract information from financial documents;
Generate financial calculations and workflow analytics;
Prepare standardized financing or underwriting packages;
Facilitate communication between authorized parties;
Route financing requests and related documents to authorized or selected funding sources;
Facilitate electronic documentation and signatures;
Manage subscriptions and billing;
Provide customer support;
Detect fraud, misuse, and unauthorized access;
Maintain audit and security logs;
Monitor and improve Platform performance;
Develop and improve LendBrief features;
Enforce agreements and policies;
Comply with applicable laws, legal processes, and regulatory obligations; and
Protect the rights, property, security, and integrity of Cien Rios LLC, LendBrief, our customers, and other parties.

4. Automated Analysis and Decision-Support Tools

LendBrief may use automated software, algorithms, rules, document-processing technologies, artificial intelligence, or similar technologies to assist with tasks such as:

Document classification;
Optical character recognition;
Data extraction;
Financial calculations;
Cash-flow analysis;
Debt-service calculations;
Application organization;
Risk indicators;
Fraud indicators;
Workflow prioritization;
Deal-package preparation; and
Matching or routing assistance.

Unless expressly stated otherwise, these outputs are intended to support workflows and decision-making and should not be interpreted as a final credit decision or guarantee of financing.

LendBrief does not guarantee that automated outputs are complete, accurate, or appropriate for every transaction.

Final credit decisions, financing terms, rates, approvals, denials, and funding decisions are determined by the applicable third-party lender or capital provider.

5. Financing and Lender Routing

When an authorized user submits or directs a financing request through LendBrief, information associated with that request may be transmitted to one or more authorized third parties involved in evaluating, processing, documenting, or funding the transaction.

These parties may include:

Commercial lenders;
Banks;
Credit unions;
Equipment finance companies;
Alternative financing providers;
Institutional funding sources;
Brokers;
Equipment dealers;
Vendors;
Service providers; and
Other authorized transaction participants.

Submission through LendBrief does not guarantee that an application will be reviewed by any particular lender or that financing will be approved.

Where appropriate, LendBrief may require additional authorization or consent before transmitting certain sensitive information.

6. Credit and Consumer Report Information

LendBrief does not obtain, access, use, or distribute a consumer report or credit report unless the activity is supported by appropriate authorization and a legally permissible purpose.

If a Platform feature involves consumer credit information, additional disclosures, certifications, authorizations, or agreements may apply.

Users may not use LendBrief to obtain or attempt to obtain consumer report information without appropriate authorization or permissible purpose.

7. How We Disclose Information

7.1 Lenders and Transaction Participants

We may disclose information to authorized lenders, funding sources, brokers, dealers, vendors, or other transaction participants when necessary to process a financing request or when directed or authorized by the user.

7.2 Service Providers

We may use service providers to support functions such as:

Cloud infrastructure;
Database services;
Authentication;
Document processing;
Artificial intelligence;
Identity verification;
Fraud detection;
Financial-data connectivity;
Payment processing;
Electronic signatures;
Analytics;
Communications;
Customer support;
Monitoring; and
Cybersecurity.

These providers may process information on our behalf subject to applicable contractual and security requirements.

7.3 Legal Requirements

We may disclose information when we reasonably believe disclosure is necessary to:

Comply with law;
Respond to lawful subpoenas or court orders;
Respond to government or regulatory requests;
Protect legal rights;
Investigate fraud;
Protect Platform security; or
Protect individuals from harm.

7.4 Business Transactions

Information may be disclosed or transferred as part of a merger, financing, acquisition, reorganization, bankruptcy, sale of assets, or similar corporate transaction involving Cien Rios LLC or LendBrief.

8. Sale of Personal Information

Cien Rios LLC does not sell personal or business information to data brokers or marketing lists for monetary consideration.

We also do not use sensitive financing information submitted through LendBrief for unrelated third-party advertising.

Certain privacy laws define "sale," "sharing," or targeted advertising more broadly than ordinary usage. Where such laws apply, we will provide rights and disclosures required by applicable law.

9. Data Security

Cien Rios LLC maintains administrative, technical, and organizational safeguards designed to protect information against unauthorized access, disclosure, alteration, destruction, loss, or misuse.

Depending on the nature of the system and information involved, safeguards may include:

Encryption;
Secure transmission;
Access controls;
Role-based permissions;
Multi-factor authentication;
Logging and monitoring;
Secure development practices;
Vulnerability management;
Backup procedures;
Incident-response procedures; and
Service-provider security controls.

No information system is completely secure. Therefore, we cannot guarantee absolute security.

Users are responsible for protecting their credentials and promptly notifying us of suspected unauthorized access.

10. Data Minimization

We seek to collect and process information reasonably necessary for legitimate business, financing, security, contractual, and legal purposes.

Users should not upload unnecessary sensitive information.

11. Data Retention

We retain information for as long as reasonably necessary to:

Provide the Platform;
Process transactions;
Maintain business and audit records;
Meet contractual obligations;
Resolve disputes;
Detect or prevent fraud;
Protect security;
Enforce agreements; and
Satisfy applicable legal or regulatory requirements.

Retention periods may vary according to the type of information, transaction, contractual requirements, and applicable law.

When information is no longer reasonably required, we may delete, anonymize, aggregate, or securely dispose of it, subject to applicable backup, legal-hold, fraud-prevention, and recordkeeping requirements.

12. Privacy Rights

Depending on your jurisdiction and applicable law, you may have rights concerning your personal information, including the right to:

Request access;
Request correction;
Request deletion;
Obtain certain information about processing or disclosure;
Request a portable copy where applicable;
Withdraw certain consent;
Opt out of certain processing where applicable; and
Appeal certain privacy decisions where required by law.

These rights may be subject to exceptions, including requirements relating to fraud prevention, legal obligations, financing records, litigation, security, and record retention.

To submit a privacy request: privacy@cienrios.com

We may need to verify your identity before processing a request.

13. Children's Privacy

LendBrief is a commercial business platform and is not intended for children.

Users must be at least 18 years old.

We do not knowingly solicit personal information from children under 18 through LendBrief.

14. International Users

LendBrief is operated by Cien Rios LLC in the United States.

If you access the Platform from outside the United States, your information may be processed in the United States or other jurisdictions where our authorized service providers operate.

Where required, we will use appropriate mechanisms for international transfers of personal information.

15. Third-Party Services

LendBrief may contain links to or integrations with third-party websites and services.

Third parties maintain their own privacy policies and practices. Cien Rios LLC is not responsible for the privacy practices of independent third parties.

Users should review the applicable third-party policies before providing information directly to those services.

16. Information Security Incidents

If we become aware of a security incident involving personal information, we will investigate and respond in accordance with applicable law and our incident-response procedures.

Where legally required, affected individuals, customers, regulators, or other appropriate parties will be notified.

17. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in:

LendBrief features;
Business practices;
Technology;
Service providers;
Legal requirements; or
Security practices.

When material changes are made, we will update the "Last Updated" date and provide additional notice where required.

Continued use of LendBrief following an effective update constitutes acknowledgment of the revised Privacy Policy to the extent permitted by law.

18. Contact Us

LendBrief™ is owned and operated by:

Cien Rios LLC 17113 Miramar Parkway #1027 Miramar, Florida 33027 United States

Privacy: privacy@cienrios.com Legal: legal@cienrios.com Support: support@cienrios.com

LendBrief Website: https://lendbrief.com

LendBrief™ is a product of Cien Rios LLC.