Privacy Policy

Effective Date: 03/20/2023
Appalachian Trust & Development Equity Realty (“ATDER,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit an application, or engage with our services.
By accessing our site or using our services, you consent to the practices described in this Privacy Policy.

1. Information We Collect
We may collect the following categories of information:
1.1 Personal Information
Information you voluntarily provide, including:

• Full name

• Email address

• Phone number

• Mailing address

• Employment information

• Financial details submitted through loan applications

• Identification documents (if required for verification)

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1.2 Business & Project Information

• Company name

• Property addresses

• Deal summaries (e.g., loan amount, project cost, ARV)

• Business entity documents

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1.3 Automatically Collected Information
When you browse our site, we may collect:

• IP address

• Browser type and version

• Device identifiers

• Pages viewed and time spent

• Cookies and tracking technologies

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1.4 Sensitive Information
We do not intentionally collect sensitive personal data unless required for compliance (e.g., identity verification for anti-fraud and AML/OFAC checks). Any such data is handled securely and lawfully.

2. How We Use Your Information
We use the information we collect to:

• Process and evaluate loan applications

• Communicate with you regarding inquiries, approvals, and updates

• Verify your identity and comply with AML/KYC/OFAC regulations

• Improve website performance and user experience

• Maintain internal records and transaction histories

• Prevent fraud and ensure platform security

• Send marketing or informational content (only if opted in)

We do not sell your personal information.

3. Legal Basis for Processing (If Applicable)
If you are located in regions with specific data requirements such as the EU/UK, we may process your data based on:

• Your consent

• Contractual necessity

• Legal obligations

• Legitimate business interests (e.g., fraud prevention, operational improvements)

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4. Sharing & Disclosure of Information
We may share your information with:
4.1 Service Providers
Third-party vendors who support:

• Identity verification

• Payment and banking operations

• Website hosting

• Data storage and analytics

• Email communications

These parties only receive data necessary to perform their duties and may not use it for any other purpose.

4.2 Regulatory & Legal Authorities
We may disclose information to comply with:

• Court orders

• Subpoenas

• Government or regulatory requests

• Applicable lending, financial, or anti-fraud regulations

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4.3 Business Transfers
If ATDER undergoes a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.

5. Cookies & Tracking Technologies
We use cookies and similar technologies to:

• Enhance site functionality

• Remember your preferences

• Analyze usage and improve performance

You may disable cookies through your browser settings, but some features may not function properly.

6. Data Security
We implement industry-standard technical, physical, and administrative safeguards to protect your information from:

• Unauthorized access

• Loss

• Misuse

• Alteration or disclosure

No system is 100% secure, but we continually update our security practices to meet or exceed industry expectations.

7. Data Retention
We retain your information only as long as necessary to:

• Provide our services

• Meet legal or regulatory requirements

• Resolve disputes

• Enforce agreements

Loan records may be retained for extended periods as required by financial regulations.

8. Your Rights
Depending on your location, you may have rights to:

• Access your personal information

• Request corrections

• Request deletion (where legally permissible)

• Opt out of marketing communications

• Restrict certain processing activities

To exercise any rights, please contact us at privacy@atder.com

9. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for their privacy practices, content, or security. We encourage you to read their privacy policies.

10. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect data from minors. If we learn that we have collected such information, we will delete it promptly.

11. Changes to This Policy
We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated “Effective Date.” Continued use of our site constitutes acceptance of the revised policy.