Privacy Policy

Effective date: 11 February 2026  |  Last reviewed: 11 February 2026

1. Introduction

This Privacy Policy explains how Verano Lending Technology ("Verano", "we", "us" or "our") collects, uses, discloses and protects information when you visit tech.xanaduhomeloans.com (the "Site") or contact us about our consulting services or a job opening. We have written it in plain language because a policy nobody can read protects nobody.

By using the Site you acknowledge that you have read this policy. If you do not agree with it, please do not use the Site or submit information to us.

2. Who we are

Verano Lending Technology is a mortgage operations technology and consulting firm located at 2948 Elkview Drive, Hialeah, Florida 33012, United States. The business is owned and operated by Princess Harms, who is also the point of contact for all privacy questions. We are a business-to-business consultancy; we are not a lender, mortgage broker, credit provider or loan servicer, and we do not collect consumer loan applications through this Site.

3. Information we collect

3.1 Information you give us

• Enquiry details — your name, company, work email address, telephone number, the topic you select and the message you write when you use our contact form or email us.
• Application materials — if you apply for a role, the résumé and covering information you send to career@tech.xanaduhomeloans.com.
• Correspondence — records of emails, calls and meetings relating to a current or prospective engagement.

The contact form on this Site does not transmit data to a server we control. It composes a message in your own email application, which you then choose to send. Nothing you type into the form is stored on this website.

3.2 Information collected automatically

• Technical data — IP address, browser type and version, operating system, referring page, pages viewed and timestamps, recorded in standard web-server logs by our hosting provider.
• Cookie data — a small local record of your cookie preference, and, if you accept analytics cookies, aggregated usage measurements. See our Cookie Policy.

3.3 Information we do not want

Please do not send borrower-level personal data, loan files, account numbers, Social Security numbers or other sensitive information through the contact form or unencrypted email. When an engagement requires access to such data, we agree a secure method with you in writing first.

4. How we use information

• To respond to your enquiry and provide the information you asked for
• To scope, quote, deliver and support consulting engagements
• To evaluate job applications and communicate with candidates
• To operate, secure and improve the Site
• To keep business records and meet legal, tax and audit obligations
• To send occasional service communications to existing clients

We do not sell personal information, and we do not share it with third parties for their own marketing purposes.

5. Legal bases and consent

Where applicable law requires a legal basis for processing, we rely on your consent (for example, when you tick the consent box on the contact form or accept analytics cookies), on the performance of a contract or steps taken at your request before entering one, on our legitimate interest in operating and securing our business, and on compliance with legal obligations. You may withdraw consent at any time by emailing us; withdrawal does not affect processing already carried out.

6. When we share information

We share information only in these situations:

• Service providers — our website host, email provider and professional advisers, each acting on our instructions and bound by confidentiality
• Legal requirements — where disclosure is required by law, regulation, subpoena or a lawful government request
• Protection of rights — where necessary to investigate suspected fraud, enforce our terms or protect the safety of any person
• Business transfer — in connection with a merger, acquisition or sale of assets, subject to this policy continuing to apply

7. Cookies and analytics

The Site uses a minimal set of cookies and equivalent local storage. Strictly necessary items keep the Site functioning and remember your cookie choice. Optional analytics, if enabled and accepted by you, help us understand which pages are useful. You choose your preference in the banner that appears on your first visit, and you can change it at any time by clearing your browser storage for this Site. Full detail is in our Cookie Policy.

8. How long we keep information

• Enquiries that do not become engagements: up to 24 months
• Client engagement records: for the duration of the engagement plus 7 years, for tax, audit and professional-liability purposes
• Job applications: 12 months, unless you ask us to delete them sooner
• Web-server logs: typically 30 to 90 days, as set by our hosting provider

9. How we protect information

We use encrypted transport for the Site, access controls and least-privilege permissions on the systems that hold client correspondence, device encryption on consultant hardware, and confidentiality agreements with every member of staff. No method of transmission or storage is completely secure, and we cannot guarantee absolute security; we do commit to notifying affected parties without undue delay where notification is required by law.

10. Your privacy rights

Subject to applicable law, you may ask us to: confirm whether we hold information about you; provide a copy of it; correct inaccurate information; delete information we no longer need to keep; restrict or object to certain processing; or withdraw consent. Email career@tech.xanaduhomeloans.com with the subject line "Privacy request". We respond within 30 days and may need to verify your identity before acting. We will not discriminate against you for exercising these rights.

11. Florida and other US state rights

Verano operates from Florida and serves business clients across the United States. Residents of states with comprehensive privacy statutes may have additional rights, including access, correction, deletion, portability, and the right to opt out of sale or targeted advertising. We do not sell personal information and do not use it for cross-context behavioural advertising. To exercise any state-law right, use the contact details above; if we deny a request you may appeal by replying to our decision, and we will respond to the appeal within 45 days.

12. Children's privacy

The Site is directed at businesses and professionals. We do not knowingly collect information from anyone under 16. If you believe a child has provided information to us, contact us and we will delete it.

13. Third-party links

The Site contains links to third-party websites and an embedded map provided by a third party. Those services have their own privacy practices, which we do not control and are not responsible for. Review their policies before providing information to them.

14. Changes to this policy

We may update this policy to reflect changes in our practices or the law. The effective date at the top of this page always shows the current version. Material changes will be highlighted on the Site for at least 30 days.

Contact us about this policy

Verano Lending Technology
2948 Elkview Drive, Hialeah, FL 33012, United States
Telephone: 772-268-6266
Email: career@tech.xanaduhomeloans.com
Attention: Princess Harms, Owner