Disclosures & Regulatory Notice

Transparency you can trust — Glenzy is not a lender. We partner with licensed and SBA‑approved lenders to deliver offers.

Aggregator • Not a lender or bank

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Not a Lender

Glenzy provides an AI‑assisted aggregation & packaging service. We do not make credit decisions or issue binding offers; lenders do.

SBA Alignment

For SBA flows, Glenzy works with SBA‑approved lenders. Glenzy is not an SBA lender and is not affiliated with the U.S. Small Business Administration.

No Guarantee

Submitting information via Glenzy does not guarantee approval, any specific APR, fees, or funding timeline. Eligibility and terms are set by lenders.

Privacy & data handling

  • GLBA (Gramm‑Leach‑Bliley Act): We protect non‑public personal information and limit sharing to what’s needed to deliver services with your authorization.
  • FCRA (Fair Credit Reporting Act): Where credit bureau data is used, we follow FCRA principles for accuracy, permissible purpose, and privacy.
  • Purpose limitation: Data is used to assess eligibility, package lender‑ready files, and facilitate offers.
  • Your choices: You may request access or deletion of your data and opt out of marketing. See our Privacy Policy.

Security

  • SOC 2‑aligned practices: TLS encryption in transit; encryption at rest for sensitive data.
  • Access controls: Least privilege, MFA, and audit logging.
  • Trusted vendors: Providers (e.g., Plaid, TransUnion, Equifax, Middesk) may be used for bank linking, bureau data, and KYB. Their terms and privacy policies apply to their processing.

Anti‑corruption

FCPA: Glenzy prohibits bribery and improper payments. While primarily an internal governance matter, we maintain controls appropriate to our operations and partnerships.

Credit inquiries: Initial eligibility checks may not require a hard pull. If you proceed with a specific lender, that lender may perform a hard inquiry which can affect your credit score.

Availability & limitations

Not all credit products are available in all states or to all applicants. Product availability and eligibility requirements may change without notice.

Trademarks & logos

Third‑party names, trademarks, and logos are property of their respective owners and do not imply endorsement by or of Glenzy.

Contact

Questions about these disclosures? Email compliance@glenzyfi.com or legal@glenzyfi.com.