Privacy Policy
1. Introduction
Layma, LLC dba Little Lake Lending USA ("Little Lake Lending USA," "we," "us," or "our"), a wholly-owned enterprise of the Big Valley Band of Pomo Indians, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or apply for a loan.
By using our website or services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this Privacy Policy, please do not access or use our services.
2. Information We Collect
We collect information you provide directly to us, including:
- Personal identifiers: full legal name, date of birth, Social Security Number (SSN)
- Contact information: mailing address, email address, phone number
- Financial information: bank account details, routing number, income information
- Employment information: employer name, employment status, income
- Government-issued identification documents
We also automatically collect certain information when you visit our website, including IP address, browser type, pages visited, and time spent on pages. This information is used to improve our website and services.
3. How We Use Your Information
We use the information we collect to:
- Process and evaluate your loan application
- Verify your identity and prevent fraud
- Communicate with you about your loan account
- Comply with applicable legal and regulatory requirements
- Improve our products, services, and website
- Send administrative information, updates, and security alerts
4. Information Sharing and Disclosure
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
- Service providers: Third parties who assist us in operating our website, processing payments, or providing services on our behalf
- Credit bureaus: We may report your account information to credit bureaus as permitted by applicable law
- Legal requirements: When required by Tribal law, federal law, or a valid legal process
- Business transfers: In connection with a merger, acquisition, or sale of assets
5. Data Security
We implement industry-standard security measures to protect your personal information, including TLS 1.2 encryption for all data transmitted through our website. We use physical, electronic, and procedural safeguards to protect your information from unauthorized access, disclosure, alteration, or destruction.
Despite our best efforts, no security measures are completely impenetrable. If you believe your personal information has been compromised, please contact us immediately.
6. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to enhance your browsing experience. You may disable cookies through your browser settings; however, doing so may limit some functionality of our website. We do not use cookies to track your activity across third-party websites.
7. Your Rights and Choices
You may have certain rights with respect to your personal information, including the right to access, correct, or request deletion of your data. To exercise these rights, please contact us at [email protected]. We will respond to your request within a reasonable timeframe.
8. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly.
9. Governing Law
This Privacy Policy is governed by the laws of the Big Valley Band of Pomo Indians and applicable federal law. Any disputes relating to this policy are subject to the jurisdiction of the Big Valley Band of Pomo Indians Tribal Court.
10. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. We will notify you of material changes by posting the updated policy on our website with a new effective date. Your continued use of our services after any changes constitutes your acceptance of the revised policy.
11. Contact Us
If you have questions or concerns about this Privacy Policy, please contact us:
Little Lake Lending USA (Layma, LLC)
847 Lakeshore Drive, Suite 200
Lakeport, CA 95453
Email: [email protected]
Phone: (707) 555-0192