Oak & Iron Lending, LLC

Last updated: June 27, 2026

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal Data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words whose initial letters are capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by, or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Company(referred to as either "the Company," "We," "Us" or "Our" in this Privacy Policy) refers to Oak & Iron Lending, LLC, 255 Petrie Court, Bowling Green, KY.
Cookies are small files placed on Your computer, mobile device or any other device by a website, containing details of Your browsing history on that website among its many uses.
Country refers to: Kentucky, United States.
Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.
Personal Data(or "Personal Information") is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company to facilitate the Service or assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself.
Website refers to Oak & Iron Lending, accessible from https://www.oakandironlending.com/.
You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information, including but not limited to:

Email address
First name and last name
Phone number

Usage Data

Usage Data is collected automatically when using the Service. It may include information such as Your Device's Internet Protocol address, browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, and unique device identifiers.

When You access the Service by or through a mobile device, We may collect additional information automatically, including the type of mobile device You use, Your mobile device's unique ID, the IP address of Your mobile device, and Your mobile operating system.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Technologies We use may include:

Cookies or Browser Cookies. A small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent.
Web Beacons. Small electronic files that permit the Company to count users who have visited pages or opened an email and for other related website statistics.

We use both Session and Persistent Cookies for the following purposes:

Necessary / Essential Cookies — Essential to provide You with services available through the Website and to enable You to use some of its features.
Cookies Policy / Notice Acceptance Cookies — Identify if users have accepted the use of cookies on the Website.
Functionality Cookies — Allow Us to remember choices You make when You use the Website, such as login details or language preferences.

SMS Communications

OAK & IRON LENDING LLC may send SMS text messages to users who have explicitly opted in to receive such communications. By opting in, you consent to receive both transactional messages (appointment reminders, application updates, loan status notifications) and promotional messages (loan programs, investor resources, financing offers) from OAK & IRON LENDING LLC.

Message frequency may vary. Message and data rates may apply. You may opt out at any time by replying STOP to any message. Reply HELP for assistance.

Opting in to SMS communications is not required to use Our Service or to submit a loan inquiry.

SMS opt-in consent and phone numbers collected for SMS communications are not shared with third parties or affiliates for marketing purposes under any circumstances.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account and registration as a user of the Service.
For the performance of a contract related to products or services You have purchased or inquired about.
To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication regarding updates or informative communications related to our services.
To provide You with news, special offers, and general information about other goods and services We offer, unless You have opted not to receive such information.
To manage Your requests submitted to Us.
For business transfers in the event of a merger, acquisition, or sale of all or a portion of Our assets.
For other purposes such as data analysis, identifying usage trends, and evaluating and improving our Service and your experience.

We may share Your Personal Data in the following situations:

With Service Providers to monitor and analyze the use of our Service and to contact You.
For business transfers in connection with any merger, sale of Company assets, financing, or acquisition.
With Affiliates, in which case we will require those affiliates to honor this Privacy Policy.
With business partners to offer You certain products, services or promotions.
With Your consent for any other purpose.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. Retention periods include:

Account Information — Retained for the duration of your account relationship plus up to 24 months after account closure.
Customer Support Data — Support tickets and correspondence retained up to 24 months from ticket closure.
Usage Data — Website analytics data retained up to 24 months from the date of collection.

We may retain Personal Data beyond these periods to comply with legal obligations, resolve disputes, or enforce our legal agreements. When retention periods expire, We securely delete or anonymize Personal Data.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You. You may contact Us to request access to, correct, or delete any Personal Data that You have provided to Us. Please note that We may need to retain certain information when We have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law Enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities.

Other Legal Requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While We strive to use commercially reasonable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children's Privacy

Our Service does not address anyone under the age of 16. We do not knowingly collect personally identifiable information from anyone under the age of 16. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. We strongly advise You to review the Privacy Policy of every site You visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top. You are advised to review this Privacy Policy periodically for any changes.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: mitchell.dunn@oakandironlending.com
By phone: (270) 935-1038
By website: www.oakandironlending.com