Privacy & FCRA disclosures
How we collect, use, and safeguard information — and the rights you have under the Fair Credit Reporting Act.
1. Who we are
This Privacy & FCRA Disclosure ("Notice") describes how Lotly Software LLC, a Delaware limited liability company doing business as RentalApplication.ai ("we," "us," "our"), collects, uses, and discloses personal information through the Services. We are a wholly-owned product of Lotly Software LLC and align our privacy practices with the broader Lotly platform.
2. Information we collect
From landlords (account holders)
- Identifiers: name, email, phone number, mailing address;
- Business information: company / DBA name, properties managed;
- Authentication data: hashed OTP records, login history;
- Payment information: handled by our payment processor; we receive transaction metadata only.
From applicants (consumers)
- Identifiers: name, date of birth, prior addresses, Social Security number (for credit pulls);
- Identity verification data: government ID images, selfies, device signals;
- Income & employment: bank-link metadata, employer info, pay records you upload;
- Reference call recordings and transcripts (where lawful and authorized);
- Information returned by consumer reporting agencies (TransUnion ShareAble, TLOxp, and similar).
Automatically
- Device, browser, and usage data; IP address; cookies and similar tracking technologies as described in our Cookie Notice.
3. How we use information
- To deliver the Services, including generating tenant-screening reports;
- To verify applicant identity and prevent fraud;
- To process payments and provide customer support;
- To comply with legal obligations, including the FCRA;
- To improve the Services in aggregated, de-identified form. We do not train AI models on identifiable applicant data.
4. How we share information
- With consumer reporting agencies (TransUnion, TLOxp, and others) to obtain reports;
- With landlords who initiated the screening, only the report contents the applicant authorized;
- With service providers (cloud hosting, payment, identity verification, email/SMS, telephony) under written contracts limiting use;
- With Lotly Software LLC affiliates for shared infrastructure;
- For legal reasons when required by law, subpoena, or to protect rights and safety.
We do not sell personal information. We do not share personal information for cross-context behavioral advertising.
5. Your rights
Depending on your state, you may have the right to access, correct, delete, or port your personal information, to opt out of certain disclosures, and to appeal a denial. To exercise these rights, email Contact@RentalApplication.ai. We will verify your request and respond within the timeframes required by law.
6. FCRA Summary of Rights
Under the federal Fair Credit Reporting Act, you have the right to:
- Be told if information in your file has been used against you, such as to deny a rental application;
- Know what is in your file. You may request a free file disclosure once every 12 months from each nationwide consumer reporting agency, and additionally if adverse action was taken against you;
- Dispute incomplete or inaccurate information. The consumer reporting agency must investigate, generally within 30 days;
- Have inaccurate, incomplete, or unverifiable information corrected or deleted;
- Have outdated negative information excluded; generally information older than 7 years (10 for bankruptcies);
- Limit access to your file. A consumer reporting agency may not provide your information to an end-user without a permissible purpose;
- Consent before reports are provided to employers;
- Limit "prescreened" offers of credit and insurance by calling 1-888-5-OPTOUT (1-888-567-8688);
- Seek damages from violators in federal or state court.
For more information, including your rights under state law, visit the Consumer Financial Protection Bureau at consumerfinance.gov.
7. Adverse-action notices
If a landlord takes adverse action against you (such as denial, increased deposit, or guarantor requirement) based in whole or in part on a report we provided, we automatically generate an adverse-action notice on the landlord's behalf. The notice tells you the consumer reporting agency that supplied the data, your right to a free file disclosure, and your right to dispute. RentalApplication.ai itself does not make rental decisions.
8. How to dispute report information
To dispute the accuracy or completeness of any item in a report we delivered, email Disputes@RentalApplication.ai. Include your full name, date of birth, the property you applied for, and a description of the disputed item. We will route disputes to the originating consumer reporting agency and respond as required by the FCRA.
9. Security
We are SOC 2 Type II certified. Personal information is encrypted in transit and at rest. We restrict access on a need-to-know basis, log administrative access, and conduct periodic security reviews. No system is perfectly secure; please notify us immediately at Contact@RentalApplication.ai of any suspected compromise.
10. Retention
We retain reports and supporting records for as long as required by the FCRA and applicable law (typically a minimum of five years), then delete or de-identify them. Account records are retained while your account is active and for up to seven years thereafter to meet tax and audit obligations.
11. Children
The Services are not directed to children under 16, and we do not knowingly collect personal information from them.
12. International users
The Services are offered in the United States. If you access the Services from outside the U.S., you consent to processing your information in the United States.
13. Changes
We may update this Notice from time to time. Material changes will be communicated via email or in-product notice. The "Last updated" date above reflects the current version.
14. Contact
Lotly Software LLC d/b/a RentalApplication.ai · 5754 Lonetree Blvd, Rocklin, CA 95765 · Contact@RentalApplication.ai