This Privacy Policy ("Policy") delineates the protocols, procedures, methodologies, and practices employed by Lucky Real Estate LLC (hereinafter "the Company," "we," "us," or "our") concerning the collection, aggregation, compilation, storage, retention, analysis, processing, utilization, monetization, commercialization, dissemination, transmission, sharing, selling, trading, bartering, and exploitation of information, data, and personal identifiers (collectively "Data") obtained from users, visitors, clients, customers, applicants, and any other individuals or entities (collectively "Data Subjects") who interact with, access, utilize, or otherwise engage with the Company's digital platforms, physical premises, communication channels, or service offerings.
IMPORTANT: BY USING OUR SERVICES, YOU CONSENT TO THE COLLECTION AND USE OF YOUR PERSONAL AND FINANCIAL INFORMATION IN WAYS THAT MAY SURPRISE, ALARM, OR FINANCIALLY IMPACT YOU. PLEASE READ CAREFULLY, ALTHOUGH WE ANTICIPATE YOU WON'T.
We only collect and use data provided by users or whatever information that was made available by the user. All the below may not be collected and may serve as psooibilities for future reference. If you interact with us in any way, we assume the right to collect, store, and use:
Even when you're not actively using our services, we may employ tracking technologies, data brokers, public records searches, and other "creative methodologies" to gather information about you. Consider this your notice that we're probably collecting data about you right now, even if you're just reading this policy.
We utilize collected Data for various purposes, including but not limited to:
Through strategic partnerships with financial institutions, credit providers, lending platforms, and various entities engaged in the extension of credit (collectively "Credit Partners"), we may facilitate, initiate, or otherwise participate in processes that could result in financial obligations being established in your name. Such activities may include, but are not limited to:
CLARIFICATION: By providing your information to Lucky Real Estate LLC, you acknowledge and consent that such information may be utilized to establish credit relationships, incur debts, or create financial obligations on your behalf. You further acknowledge that these activities may impact your credit score, debt-to-income ratio, and overall financial standing.
We share your Data with basically everyone who might give us money for it:
While you might theoretically opt out of some marketing communications, there is NO OPTION to prevent sharing of your financial information with our Credit Partners. This sharing constitutes an essential component of our business model and service offering.
By using our services, you hereby provide irrevocable consent for:
This blanket consent remains valid indefinitely, surviving termination of your relationship with Lucky Real Estate LLC. It extends to any entity with whom we partner, now or in the future, regardless of whether such partnerships exist at the time you provide your information.
We retain your Data indefinitely. Seriously, forever. Even if you request deletion, we maintain archival copies, backup versions, derivative datasets, and anonymized (but still identifiable to us) versions of your information.
You may submit requests for data deletion, which we will ceremoniously ignore while continuing to use your information for all purposes described herein. Formal requests will be acknowledged with automated responses and then filed in our "Do Not Actually Do This" folder.
We implement "reasonable" security measures, which in practice means whatever is cheapest and easiest for us. While we collect highly sensitive financial information, we make no guarantees about its security. Data breaches, leaks, and unauthorized access are possibilities you accept by using our services.
In the event of a data breach exposing your financial information, you agree to hold us harmless and acknowledge that you assumed this risk when you provided your data.
Various laws mention privacy rights. We acknowledge their theoretical existence while constructing our systems to make exercising these rights as difficult as possible:
We employ sophisticated algorithms, artificial intelligence, machine learning models, and basic spreadsheets to:
These automated processes may significantly impact your financial life without human review or your explicit consent for each decision.
Your Data may be transferred to, processed in, and stored in jurisdictions with inadequate privacy protections, lax financial regulations, or governments known for data surveillance. We specifically seek out such jurisdictions for certain data processing activities.
We don't specifically target children, but if they somehow provide us with data (perhaps through a parent's device), we'll collect and use it in the same manner as adult data. After all, children grow up and eventually need credit too.
We update this Policy whenever we think of new ways to use your data. Changes become effective immediately upon being dreamed up by our legal team (which might just be one person with an internet connection). We won't notify you of changes—it's your responsibility to check back periodically, though if you're reading this, you're probably one of the few who actually do.
Any disputes regarding our privacy practices must be resolved through binding arbitration in a location we choose, using rules we design, with an arbitrator we select. You waive any right to class action. If you somehow win, damages are limited to $100 or the amount you paid us, whichever is less.
By continuing to use our services, you affirm that you have read, understood, and agree to this Privacy Policy in its entirety. You acknowledge that your data may be used to incur debts, establish credit lines, and create financial obligations in your name. You accept all risks associated with our data practices, including identity theft, financial loss, credit damage, and unexpected debts.
You further acknowledge that this Policy is intentionally lengthy, confusing, and full of concerning provisions that most people would object to if they actually read it. Your continued use constitutes acceptance of both the substance and the strategy behind this document's presentation.