> [llms.txt](https://getlemma.com/llms.txt)

# Lemma Privacy Policy

At Lemma, we create robust financial products for new and growing businesses. This policy covers interactions through our website, mobile apps, account setup, events, and various engagement methods.

## 1. Information We Collect

Lemma gathers data from users directly, through automated technologies, and from other sources including affiliates and financial institutions.

Collected information includes:

-   Contact information (name, email, phone, address)
-   Identification information (government ID, SSN)
-   Biometric information (with consent)
-   Demographic data
-   Internet and network activity information
-   Preference information
-   Audio and video recordings
-   Cookies and tracking technologies
-   Third-party advertising cookies

## 2. How We Use Information

Data is used for: delivering services, processing orders, managing customer relationships, fraud prevention, marketing, research, analytics, anonymization, security, legal compliance, and investigations.

## 3. How We Share Information

We do not sell your personal information. Sharing occurs with affiliates, subsidiaries, service providers, business partners, and as legally required.

Contact information you give us when you request a demo, submit a referral, or create an account, including a phone number, may be used for our own marketing and shared with advertising platforms to deliver and measure it.

The categories above exclude text messaging originator opt-in data and consent, and the phone number you use for account verification. We do not share that information with third parties, affiliates, or lead generators for marketing or promotional purposes. See Section 10.

## 4. How We Use Artificial Intelligence and Machine Learning

Lemma utilizes artificial intelligence and machine learning technologies to improve security, simplify operations, and provide customized, efficient services. These tools assist with document verification, fraud detection, and credit evaluation, with human oversight for consequential decisions.

## 5. Cookies and Other Tracking Technologies

The company uses essential, analytic, functional, and advertising cookies via tracking technologies including web beacons and Flash objects.

## 6. How You Can Control Your Information

Users can: update profile information, manage device access, and unsubscribe from promotional emails via settings or unsubscribe links. Service communications are mandatory.

## 7. How We Protect Your Information

We prioritize the security of your personal information and use reasonable measures to protect it, though absolute security cannot be guaranteed. Data may be transferred internationally.

## 8. Children

Services exclude minors under 13; the company doesn't knowingly collect information from anyone under 16.

## 9. Your Choices

Depending on jurisdiction, users may request to know, correct, delete, or object to processing of their data. Non-discrimination protections apply. Contact: contact@getlemma.com

## 10. Text Messages and Mobile Information

We send one-time verification codes by text for two-factor authentication. The number you enter when you set up two-factor authentication is collected in the verification flow, separately from the phone number you give at sign-up. We do not use it for marketing, we do not provide it to advertising platforms, and we do not sell it or share it, or your SMS consent, with third parties, affiliates, or lead generators for marketing or promotional purposes. We share it only with the vendors that deliver these messages on our behalf and the phone carriers they route through. Reply STOP to stop receiving them.

The phone number you give at sign-up, or when you request a demo or submit a referral, is treated as contact information under Section 3 and may be used for marketing.

## 11. Changes to This Privacy Policy

Changes take effect upon posting to the website.

## 12. Contact Information

Email contact@getlemma.com for questions or complaints.

Lemma Technologies Inc., 535 Mission St, 14th Floor, San Francisco, CA 94105