Privacy Notice

Welcome to the official privacy notice for Tod (doing business as TodLending.com). In this document, “we,” “us,” or “our” refers to the operator of this author’s website, where we share content, creative works, and insights. We want to clearly explain how and why we collect, store, use, and share (“process”) your information when you visit or interact with our site (“Services”).

This privacy notice applies if you access our website at https://TodLending.com or any site that links to this notice, and if you reach out to us via our contact form with questions, comments, or other inquiries regarding the content we share.

Please read this notice thoroughly to understand your rights and choices regarding your data. If you do not agree with our policies and practices, kindly refrain from using our Services. If you still have questions or concerns, feel free to reach us through our contact form.

1. WHAT INFORMATION DO WE COLLECT?

We only collect personal information that you voluntarily provide when you fill out our online contact form. This may include your name, email address, and any additional details you provide in the message field—such as questions, comments, or feedback about our written works.

Our web servers may capture limited technical data (e.g., IP addresses or timestamps) for security purposes and to ensure the website functions correctly. However, we do not use this data to track or identify individual visitors.

2. HOW DO WE PROCESS YOUR INFORMATION?

When you submit our contact form, we use the information solely to address your inquiry, respond to your questions, or discuss any topics related to our creative content. We do not use your data for automated decision-making, profiling, or targeted marketing. Our focus is on maintaining a minimal data collection approach, gathering only the details necessary to support your direct requests.

For example, if you inquire about an upcoming book release or any content you found on our website, we may use your email address to reply with further details. We never add you to a mailing list without your explicit permission, and we do not share your data for marketing or promotional purposes.

3. WHAT LEGAL BASES DO WE RELY ON?

We operate under U.S. law and generally process personal information under our legitimate interests or based on your consent. Our legitimate interests include responding to inquiries, ensuring website security, and preventing misuse. In jurisdictions like the EU, your submission of the contact form may constitute your consent to process the information you provide. You have the right to withdraw that consent at any time.

If you choose not to share certain information (e.g., your email address), we may be unable to respond to your specific inquiry. Rest assured, we only process data that is strictly necessary to fulfill legitimate purposes or meet legal obligations.

4. WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION?

We do not sell, rent, or trade your personal information to any third parties. The information you provide via our contact form is solely for our use. However, there may be rare circumstances in which we must disclose your information:

• If required by law (e.g., subpoena, court order, or other legal process).
• If necessary to protect our rights, property, or safety, or that of others, including enforcing our policies.

In every other scenario, we keep your data confidential. We do not utilize analytics services, advertising platforms, or marketing partners that would involve sharing your personal information.

5. THIRD-PARTY WEBSITES

We may occasionally link to external websites (e.g., an online bookstore) if we believe the content may interest our audience. These third-party sites have their own privacy practices, which we do not control or endorse. If you choose to visit a linked resource, we recommend reviewing its privacy policy to understand how it collects and uses data.

Please note that interactions on those external websites, including any personal information you may share, are governed by their respective terms and policies, not ours.

6. DO WE USE COOKIES?

Currently, we do not use cookies or similar tracking technologies on TodLending.com. As a result, we do not engage in data analytics, behavioral advertising, or personalized content targeting based on your browsing habits.

If we introduce essential cookies in the future (e.g., for site functionality), we will update this notice accordingly and make visitors aware of any new data collection practices.

7. SOCIAL LOGINS

We do not offer social media login or registration options. All interactions on TodLending.com, including contacting us, happen through our simple contact form. We do not collect any additional personal information that might be available through platforms like Facebook, Twitter, or Google.

If you decide to share content from our site on social media, be aware that this is governed by the policies of those respective platforms. We have no access to or control over any additional data that might be collected through such sharing.

8. INTERNATIONAL TRANSFERS

We are based in the United States, and our website is hosted on servers within the U.S. If you are visiting from outside the U.S., please note that any information you submit through our contact form will be transferred to, and processed in, the United States. By using our Services, you consent to this transfer.

We take steps to protect your data; however, data protection laws in the United States may differ from those in your region.

9. HOW LONG DO WE KEEP YOUR INFORMATION?

We retain the information you send through our contact form only for as long as needed to address your inquiry or for any other legitimate purpose for which the data was collected (e.g., resolving a request about a book release or an upcoming event). Once we have fulfilled that purpose, we securely delete or anonymize your data unless a longer retention period is mandated by law or necessary for legal or security reasons.

This aligns with our commitment to minimize data collection and storage, keeping only what is relevant to our communication and compliance needs.

10. HOW DO WE KEEP YOUR INFORMATION SAFE?

We implement administrative, technical, and physical measures to safeguard the personal data you share. These may include secure server protocols, restricted data access, and basic encryption standards. Our goal is to minimize potential risks such as unauthorized access, disclosure, or alteration.

Despite our efforts, no internet-based transmission or storage method is completely infallible. Therefore, we cannot guarantee absolute data security. We encourage you to use caution whenever submitting personal details online.

11. DO WE COLLECT INFORMATION FROM MINORS?

TodLending.com is not directed toward individuals under 18. We do not knowingly request or collect personal information from minors. If you are a parent or guardian who believes your child has submitted personal data to us, please let us know via the contact form, and we will promptly remove such information as required by law.

By using TodLending.com, you confirm that you are at least 18 years old or authorized to use our Services on behalf of a minor in your care.

12. YOUR PRIVACY RIGHTS

Your jurisdiction may grant you certain rights over your personal information. These rights could include the ability to access, correct, or request deletion of the data we hold. Although we collect minimal information only through our contact form, we strive to accommodate valid requests as required by applicable laws.

If you have a specific data-related request or concern, please submit it via our contact form. We will review your request and respond in accordance with relevant data protection regulations.

13. CONTROLS FOR DO-NOT-TRACK (DNT) FEATURES

Some browsers and mobile systems let you enable a Do-Not-Track feature to signal that you prefer not to be tracked. Since we do not track user behavior or engage in behavioral advertising, we do not respond to DNT signals. Our site provides the same user experience for all visitors, regardless of their DNT preferences.

Should a universal tracking standard emerge in the future that we must follow, we will update our practices and this privacy notice accordingly.

14. U.S. STATE PRIVACY RIGHTS

Certain states, such as California and Colorado, have enacted privacy laws granting residents specific rights over their personal information. Examples include the right to know what data is collected, the right to request deletion, and the right to opt out of data selling. Since we do not sell or share personal data, most of these provisions have minimal impact on our practices.

If you believe you qualify for any state-level privacy rights or have further questions, feel free to submit an inquiry via our contact form. We will address your concerns or requests in accordance with applicable regulations.

15. OTHER REGIONS’ PRIVACY RIGHTS

While TodLending.com primarily targets U.S. users, visitors from other countries (like the EU, UK, Canada, or Australia) may have additional privacy protections. If you are outside the U.S. and want more information about how we handle your data, please let us know via our contact form.

We make reasonable efforts to uphold high standards of data protection for all users, regardless of geographic location, and to comply with relevant local laws when required.

16. DO WE MAKE UPDATES?

We reserve the right to revise this privacy notice at any time to comply with changing legal, operational, or technological requirements. When updates occur, we will adjust the “Last updated” date at the top of this page and publish the revised version on TodLending.com. Any modifications become effective immediately upon posting.

We encourage you to check this privacy notice periodically to stay informed about our current practices. If the changes are significant, we may provide additional notices or ask for your consent, where required by law.

17. HOW TO CONTACT US

We appreciate your feedback, questions, or concerns about this privacy notice or any aspect of our data handling. To get in touch, please submit a message using our Contact Form .

We only collect the details needed to address your inquiry. Once we have handled your request, we may keep your message for a short period if legally required or for a valid business reason. Otherwise, we securely delete your data to maintain your privacy.

18. REVIEW, UPDATE, OR DELETE YOUR DATA

If you would like to review, update, or delete any personal information that you have shared, please submit a request through our Contact Form . We will make every effort to accommodate your request in compliance with relevant data protection laws. However, if you ask us to remove essential details, we may be unable to continue providing certain content or responses effectively.

In limited situations, we may retain data if necessary to comply with legal obligations, resolve disputes, protect security, or enforce agreements. Once those obligations no longer apply, we will delete your data in a timely manner.

Disclaimer: This privacy notice is provided for informational purposes only and does not constitute legal advice. Because privacy laws vary by jurisdiction and evolve over time, we recommend consulting with a qualified attorney to ensure your organization’s compliance with all applicable regulations.