Privacy Policy

This policy is effective from March 1 2021.

Your privacy is important to Testament Research, Inc. This privacy statement provides information about the personal information that Testament Research, Inc. collects, and the ways in which Testament Research, Inc. uses that personal information.

Testament Research, Inc. may collect and use the following kinds of personal information:

• At lenderspreadsheet.com, you provide your name and email address. That is the only information we have for you and all we need to operate the lenderspreadsheet.com (“Website”) or the Website published and downloadable content (“Content”);
• We use third third-party vendors, identified below, to help with delivery of the Content and processing of your payment details. Those websites do not share any data with Testament Research, Inc. For instance, we never see any of your payment details. Our payment processor, listed below, has their own privacy policies, data protections, and regulatory compliance procedures.

Testament Research, Inc. asserts the following legal grounds for collection of data:

• Explicit Consent: When you sign up for the Content (either free or paid), user forums, or any other account at lenderspreadsheet.com, you provide explicit consent for Testament Research, Inc. to collect the above listed personal information.
• Contract: If you enter an agreement with lenderspreadsheet.com for provision of services in exchange for payment, lenderspreadsheet.com will be required to collect the above listed personal information.
• Legitimate Interests: Finally lenderspreadsheet.com may have additional legitimate interests for the collection of the above listed personal information.

Testament Research, Inc. uses the following data processors with respect to the personal information collected:

• PayPal - Payment processor
• Google Analytics - for website analytics
• Statcounter - for website analytics

Testament Research, Inc. may use your personal information to:

• administer this Website and/or Content;
• personalize the Website for you by displaying your name or changing the appearance of the Website according to your settings if you log in;
• enable your access to and use of the Website, Content, and other services;
• send to you the Content and account-related email;
• send to you statements and invoices;
• collect payments from you; and
• send you marketing communications.

Where Testament Research, Inc. discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement. Except for the third-party vendors that collect your data separately when you sign up and pay, Testament Research, Inc. has never shared any of its user data with any third parties.

In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, Testament Research, Inc. may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.

Testament Research, Inc. will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

Testament Research, Inc. will store all the personal information you provide on its secure servers.

Information that Testament Research, Inc. collects may be stored and processed in and transferred between any of the countries in which Testament Research, Inc. operates to enable the use of the information in accordance with this privacy policy.

You agree to such cross-border transfers of personal information.

In addition, personal information that you submit for publication on the Website will be published on the Internet and may be available around the world.

Protecting the privacy of young children is especially important. For that reason, we do not knowingly collect or solicit personal information from anyone under the age of 18 or knowingly allow such persons to register with the Website or Content. If you are under 18, please do not send any information about yourself to us, including your name, address, telephone number, or email address. No one under age 18 is allowed to provide any personal information to or on Testament Research, Inc. In the event that we learn that we have collected personal information from a child under age 18 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 18, please Contact Us and add the Subject Line “Children's Policy” along with your message in the message area.

Under the CCPA, California consumers have the right to:

• Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
• Request that a business delete any personal data about the consumer that a business has collected.
• Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have 30 days to respond to you. If you would like to exercise any of these rights, please Contact Us and add the Subject Line “CCPA Policy” along with your message in the message area.

Testament Research, Inc. seeks to fully comply with the European Union’s General Data Protection Regulation (GDPR). Pursuant to this regulation. Consequently, you have the following rights on this website:

• Right to be forgotten: You may cancel your account at any time. In that event you wish to delete your PRO or Lite account, you can Contact Us to request this and add the subject line “Delete Account” within the contact form and we will delete your account within 72 hours.
• Right to object: We have never performed any data science projects on user data and do not anticipate doing so in the future. If, at some point in the future we determine a use for any sort of data science project on our user data, we will notify you in writing before doing so. In that event you may remove your contact data from any such project by Contacting Us and adding the subject line “Opt Out of Data Science” within the contact form.
• Right to access and rectification: You can Contact Us at any time to access copies of all user data we retain for you. We will remove, update, or change any personal information about you from our servers immediately upon your request. Add the subject line “Right to access and rectification” within the contact form.
• Right of portability: We only retain your name and email address. Nevertheless, we will provide that information to you upon your request.
• Right to Restriction of Processing:

In addition to the above, an “unsubscribe” option is automatically included in the footer of all non-core account related emails and newsletters sent from the Website. This allows you to easily unsubscribe from any such communication. In the event you unsubscribe, we will immediately stop sending you any newsletters or other emails that are not to do with the normal functioning of your account or a support request where you have contacted us.

Testament Research, Inc. may update this privacy policy by posting a new version on this website. You should check this page occasionally to ensure you are familiar with any changes.

The Website and Content contains links to other websites. Testament Research, Inc. is not responsible for the contents of those third party websites or responsible for the privacy policies or practices of any third party.

If you have any questions about this Privacy Policy or Testament Research, Inc.’s treatment of your personal information, please Contact Us and add the Subject Line “Question on Privacy Policy” along with your question in the message area.