Privacy Policy

Last Updated: September 16, 2025

Introduction

Phoenix Lender Services (“Phoenix,” “PHX,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, share, and protect your information when you interact with our website and services. By using our services, you agree to the practices described below.

Who We Are

Phoenix Lender Services is a wholly owned subsidiary of Community Bankshares Inc. (CBI), the parent company of Community Bank & Trust of West Georgia (CBT).

  • Phoenix operates as a Lender Service Provider (LSP) and loan originator.

  • CBT is a state-chartered financial institution and Member FDIC.

  • CBI is the holding company overseeing both CBT and Phoenix.

When you apply for or receive a financial product, Phoenix may collect and process your information on behalf of CBT or another regulated bank partner. Phoenix itself is not a bank and does not accept deposits.

Information We Collect

We may collect personal information such as your name, date of birth, Social Security Number, government-issued identification, address, phone number, and email. Financial details including income, tax records, business financials, and credit history may also be collected. If you are applying on behalf of a business, we may gather company name, EIN, business structure, ownership details, and related documentation.

We also collect technical information when you visit our website, including IP address, browser type, device identifiers, cookies, and usage data.

How We Use Your Information

Your information may be used to process loan applications, verify identity, comply with KYC/KYB and AML requirements, and share details with CBT or other bank partners for underwriting and funding. We also use it to communicate with you, improve our services, support marketing activities, and comply with applicable laws and regulations.

How We Share Information

Information may be shared with Community Bank & Trust (CBT) when you apply for or receive banking products, with Community Bankshares Inc. (CBI) for oversight, and with third-party vendors who assist with credit checks, document handling, fraud prevention, or technology services.

We may also disclose information as required by law or in the event of a merger, acquisition, or corporate restructuring. Phoenix does not sell your personal information to third parties.

Advertising & Retargeting

We may use cookies, tracking pixels, and third-party scripts on our website to support advertising and retargeting campaigns. This allows us to display relevant ads to visitors who have previously engaged with our website and to measure the effectiveness of marketing campaigns.

We may share certain technical information, such as browsing activity or hashed identifiers, with trusted advertising and analytics partners for this purpose. These partners may use the information to deliver ads on our behalf across the internet.

You can manage or opt out of targeted advertising by adjusting your browser settings, clearing cookies, or using industry opt-out tools such as the Network Advertising Initiative (NAI) opt-out page or the Digital Advertising Alliance (DAA) opt-out page.

Cookies and Tracking

Our website may use cookies, pixels, and similar technologies to improve your online experience, measure site performance, and support marketing campaigns. You can manage your cookie preferences through your browser settings.

Data Security

We use administrative, technical, and physical safeguards to protect your information, including encryption and restricted access protocols. While we take appropriate steps to protect your data, no method of transmission or storage is completely secure.

Your Rights

Depending on your location, you may have rights under privacy laws such as CCPA or GDPR. These may include the right to access, correct, delete, or restrict the use of your personal data, as well as the right to opt out of certain marketing practices. Requests to exercise these rights can be made using the contact information below.

Children’s Privacy

Our services are not directed toward children under 13, and we do not knowingly collect information from children.

Contact Information

If you have questions about this Privacy Policy or would like to exercise your privacy rights, please contact us at:

Phoenix Lender Services
[email protected]

Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a new “Last Updated” date.