Privacy Policy
How Sab Tera Lending collects, uses, and protects your personal information — and your rights under applicable state law in every state we operate.
Plain-language summary: Sab Tera Lending collects only the information needed to evaluate and fund your loan. We do not sell your information. We do not share it with advertisers. We use it only to process your loan application and close your transaction.
1. Who We Are
Sab Tera Lending ("Sab Tera," "we," "us," or "our") is a direct private hard money lender headquartered at 15 Artisan Ave., Huntington, NY 11743. We operate the website at sabteralending.com and fund fix-and-flip, DSCR rental, multifamily, and commercial real estate loans for investment property owners across nine states: New York, New Jersey, Connecticut, Florida, Texas, North Carolina, South Carolina, Georgia, and Alabama.
This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or submit a loan application. By using our website or submitting an application, you agree to the practices described in this Policy.
Important: Sab Tera Lending makes loans only on non-owner-occupied investment properties. We do not originate consumer mortgages on primary residences. Accordingly, certain federal consumer mortgage privacy regulations (such as the Gramm-Leach-Bliley Act's consumer-facing requirements) do not apply to our primary business — but we apply equivalent protections voluntarily.
2. Information We Collect
2.1 Loan Application Information
When you submit a loan inquiry or application, we collect:
- Full name, phone number, and email address
- Property address and type (single-family, multifamily, commercial)
- Requested loan amount, purchase price, and renovation budget
- Entity information if borrowing through an LLC or corporation
- Credit score range (self-reported or from a credit pull with your authorization)
- Real estate investment experience and existing portfolio details
- Exit strategy (fix-and-flip timeline, rental hold, refinance plan)
- Bank statements, entity documents, or other materials you voluntarily provide
2.2 Automatically Collected Website Data
When you visit sabteralending.com, we automatically collect limited technical data:
- IP address and approximate geographic location (city/state level)
- Browser type, operating system, and device type
- Pages visited, time on page, and navigation path through our site
- Referring website or search query that brought you to our site
This data is used only for analytics and site improvement. It is not linked to your name or loan application.
2.3 Information from Third Parties
During loan processing, we may receive information about you from:
- Credit reporting agencies (with your authorization)
- Property appraisers and title companies
- Referring mortgage brokers or real estate agents
- Public property records (county assessor, court records, deed transfers)
- Background check or business verification services
3. How We Use Your Information
Sab Tera Lending uses the information we collect only to conduct our lending business. Specifically, we use your information to:
- Evaluate and underwrite your loan application
- Issue term sheets, commitment letters, and closing documents
- Order appraisals, title searches, and other due diligence services
- Communicate with you about your loan status throughout the process
- Service or sell your loan after closing, in accordance with applicable law
- Prevent fraud and verify the identity of borrowers and entities
- Comply with applicable state and federal laws and reporting requirements
- Improve our website performance and marketing effectiveness
- Contact you about future loan opportunities (you may opt out at any time)
We do not sell your personal information. We do not share your information with data brokers, advertisers, or marketing networks. We do not use your information for any purpose unrelated to our lending business.
4. How We Share Your Information
4.1 Loan Processing Service Providers
We share information with third-party service providers who help us process, close, and service loans — including appraisers, title companies, attorneys, insurance verifiers, and document management platforms. These providers are contractually required to protect your information and use it only for their specific role in your transaction.
4.2 Loan Purchasers and Assignees
Sab Tera Lending may sell, assign, or transfer your loan to another lender or investor after closing. In that event, your loan file — including the information you provided — transfers to the purchaser. The purchaser's privacy practices will govern the information they hold.
4.3 Referring Brokers or Agents
If you were referred to Sab Tera by a mortgage broker or real estate agent, we may share basic deal status information (approval, decline, or closing) with that broker or agent, as customary in the industry.
4.4 Legal and Regulatory Requirements
We may disclose your information when required by law, court order, subpoena, or regulatory authority — or to protect the rights, property, or safety of Sab Tera Lending, our clients, or others.
4.5 Business Transfers
If Sab Tera Lending is acquired, merged, or transfers substantially all its assets, your information may be transferred as part of that transaction. You will be notified before your information becomes subject to a materially different privacy policy.
5. Your State Privacy Rights
Sab Tera Lending operates in nine states. Below are the applicable privacy laws and your rights in each state. Regardless of location, all borrowers may request access, correction, or deletion of their information by contacting us at info@sabteralending.com.
New York borrowers are protected by the NY SHIELD Act (Stop Hacks and Improve Electronic Data Security Act), which requires businesses to implement reasonable data security safeguards and provide prompt notification in the event of a breach. As a New York-headquartered lender, Sab Tera Lending fully complies with the SHIELD Act. New York does not yet have a comprehensive consumer data privacy statute, but we voluntarily provide NY residents with the access, correction, and deletion rights described in Section 5.1 below.
New Jersey borrowers are protected by the New Jersey Identity Theft Prevention Act and the NJ Consumer Fraud Act. You have the right to be notified promptly in the event of a breach involving your personal information. The New Jersey Data Privacy Act (NJDPA), effective January 15, 2025, grants NJ residents the right to access, correct, delete, and opt out of the processing of their personal data. Sab Tera Lending, as a financial-services entity primarily subject to the Gramm-Leach-Bliley Act framework, may qualify for the NJDPA financial exemption — however, we voluntarily honor all NJDPA rights for NJ borrowers. Submit requests to info@sabteralending.com.
Connecticut borrowers are protected by the Connecticut Data Privacy Act (CTDPA), effective July 1, 2023. You have the right to: (1) access your personal data; (2) correct inaccurate data; (3) delete your personal data; (4) obtain a portable copy of your data; (5) opt out of targeted advertising or sale of personal data (we do neither). To exercise these rights, email info@sabteralending.com. We will respond within 45 days, extendable by an additional 45 days with notice.
Florida borrowers are protected by the Florida Information Protection Act (FIPA) and the Florida Digital Bill of Rights (FDBR), effective July 1, 2024 — one of the most recently enacted state privacy laws. Under the FDBR, Florida consumers have the right to: (1) know what personal data is collected; (2) access that data; (3) correct inaccurate data; (4) delete their data; (5) opt out of the sale of personal data (Sab Tera does not sell data); (6) opt out of targeted advertising; and (7) not be discriminated against for exercising these rights. Submit requests to info@sabteralending.com.
Texas borrowers are protected by the Texas Data Privacy and Security Act (TDPSA), effective July 1, 2024. Texas residents have the right to: (1) confirm whether Sab Tera processes their personal data; (2) access that data; (3) correct inaccuracies; (4) request deletion; (5) obtain a portable copy; (6) opt out of the sale of personal data, targeted advertising, or profiling (Sab Tera does none of these). To submit a privacy request, email info@sabteralending.com. We will respond within 45 days.
North Carolina borrowers are protected by the NC Identity Theft Protection Act. You have the right to be notified promptly in the event of a security breach involving your personal information. The North Carolina Consumer Privacy Act (NCCPA) was signed into law in 2025 and will take effect on October 1, 2025. It grants NC residents rights to access, correct, delete, and opt out of the processing of personal data. Sab Tera Lending voluntarily complies with these rights now. Submit requests to info@sabteralending.com.
South Carolina borrowers are protected by the South Carolina Identity Theft Protection Act and applicable federal privacy laws. You have the right to timely notification in the event of a breach of your personal information. Sab Tera Lending voluntarily extends access, correction, and deletion rights to all South Carolina borrowers upon written request. Email info@sabteralending.com.
Georgia borrowers are protected by the Georgia Personal Identity Protection Act, which requires businesses to maintain reasonable data security and notify affected individuals of breaches involving sensitive personal information. Sab Tera Lending voluntarily extends access, correction, and deletion rights to all Georgia borrowers. Submit requests to info@sabteralending.com.
Alabama borrowers are protected by the Alabama Data Breach Notification Act (effective May 1, 2018), which requires notification within 45 days of discovering a breach involving sensitive personally identifying information. Sab Tera Lending complies with this requirement and voluntarily extends access and deletion rights to all Alabama borrowers. Submit requests to info@sabteralending.com.
5.1 Exercising Your Rights (All States)
Regardless of your state, you may at any time:
- Access — Request a copy of the personal information Sab Tera holds about you
- Correct — Request correction of inaccurate or incomplete information
- Delete — Request deletion of your personal information (subject to legal retention obligations)
- Portability — Request a portable copy of your data in a machine-readable format
- Opt out — Opt out of marketing communications at any time
- Withdraw consent — Revoke any authorization you have given
To make a request, email info@sabteralending.com or call (516) 336-9293. We will acknowledge your request within 10 business days and respond within 30–45 days depending on applicable state law.
6. Cookies & Tracking Technologies
Essential Cookies
Required for the website to function — including session management for contact forms and security tokens. These cannot be disabled without affecting site functionality.
Analytics Cookies
We use Google Analytics to understand website traffic patterns — which pages investors visit, how they find us, and which content is most useful. This data is aggregated and anonymized. You can opt out at any time using Google's opt-out browser add-on.
No Advertising Cookies
Sab Tera Lending does not use retargeting pixels, ad-network cookies, or any technology that allows third-party advertisers to track you across other websites based on your visit to sabteralending.com.
You can manage cookies through your browser settings. Disabling non-essential cookies will not prevent you from submitting a loan inquiry.
7. Data Security
Sab Tera Lending implements administrative, technical, and physical safeguards appropriate for the sensitivity of our loan data:
- TLS/SSL encryption — All data transmitted between your browser and our website is encrypted
- Access controls — Loan files are accessible only to loan officers and operations staff directly involved in your transaction
- Secure storage — Loan documents are stored in access-controlled, password-protected systems
- No storage of sensitive financial data on website — We do not store credit card numbers, bank account numbers, or Social Security numbers on our public-facing website
No internet transmission is 100% secure. If you suspect unauthorized access to your information, contact us immediately at info@sabteralending.com or call (516) 336-9293.
8. Data Retention
We retain your personal information as follows:
- Funded loans: Loan files are retained for a minimum of 7 years after payoff or maturity, in accordance with applicable state record-keeping laws
- Declined or withdrawn applications: Application data is retained for 25 months to comply with ECOA adverse action requirements, then deleted unless you request otherwise
- Initial inquiries that did not become applications: Contact information is retained for 12 months, then deleted
- Website analytics data: Aggregated anonymized data is retained for up to 26 months
You may request deletion of your information at any time. We will comply unless retention is required by applicable law or ongoing litigation.
9. Minors
Sab Tera Lending's services are intended exclusively for adults (18 years of age or older) who own or are acquiring investment real estate. We do not knowingly collect personal information from individuals under 18. If we become aware that a minor has submitted information, we will delete it promptly. Contact info@sabteralending.com if you believe this has occurred.
10. Third-Party Links
Our website may link to external resources — including state licensing portals, real estate data sources, and partner websites. When you click those links, you leave sabteralending.com and are subject to the privacy policies of those third-party sites. Sab Tera Lending is not responsible for third-party privacy practices.
11. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our lending operations, the states in which we operate, or applicable law. When we make material changes, we will:
- Update the "Last Updated" date at the top of this page
- Post a notice on our homepage for 30 days
- Where required by state law, notify affected borrowers directly by email
Continued use of our website or services after any change constitutes acceptance of the updated policy.
12. Contact Us
For questions, concerns, or privacy requests related to this Policy:
Sab Tera Lending — Privacy Contact
We acknowledge all requests within 10 business days and respond fully within 30–45 days.
📧 info@sabteralending.com
📞 (516) 336-9293
📬 15 Artisan Ave., Huntington, NY 11743