Lowe's FS Privacy Policy

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Welcome to Lowe's FS!

Your privacy is important to us. This Privacy Notice explains how we collect, use, store, and share your information when you visit our Lowe's FS website, Lowe's FS, LLC ("Lowe's FS") provides consumers with information on home equity lines of credit offered by third-party lenders that may be used to finance home improvement projects.

What is Personal Information?

Let's start with what we mean when we talk about "personal information." Personal information is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you. Personal Information does not include information that is publicly available, deidentified (meaning it cannot reasonably be used to identify you), or aggregated (combined with data about others in a way that no longer identifies you or anyone else). Where we receive deidentified data, we will maintain and use the data in deidentified form and not attempt to reidentify the data except as required or permitted by law.

Personal information includes any information that can be linked to you and your business, like what you buy, browse, or prefer. We get this information directly from you when you interact with our website and use it to better understand your needs, improve our products and services, and personalize your experience with us.

What data do we collect, use, and share?

When you use our website, we collect information about you and your device to make the site work and improve your experience. Read below to learn how we collect, use, and disclose your personal information when you browse or interact with us online.

Cookies, Pixels, and Other Online Tracking Technologies

We use cookies and similar tools to understand how you use our website and to make your experience better. Some of these cookies come from our partners. While we offer options for adjusting your cookie preferences for non-essential cookies on our website, if you do not want to have cookies placed on your device, you should clear your cache and set your browser to refuse cookies before re-accessing our website.

Cookies are small files that websites store on your device through a web browser to help that website or third-party systems recognize your device and remember information — like what's in your shopping cart or your preferred language. Web beacons (sometimes called tracking pixels) are tiny graphics embedded on a webpage or in an email that help us understand how people use our website and emails — like if you open one of our emails or visit a certain page. In general, we use these technologies to:

• Make our website work properly

  For example, by allowing you to log in, stay logged in, and add items to your cart

• Improve your experience

  By remembering your preferences (like language or region) and personalizing content for you

• Understand how our website is used

  We use tools such as Google Analytics and Adobe Analytics to understand how our website is used, see what products most interest you, and understand how you interact with our site and ads.

  You can opt out of Google Analytics by installing the Google Analytics browser add-on, available here

  You can opt out of Adobe Analytics here

Cookies vary in how long they last. Some cookies only last while you're on our website — these are called session cookies. They disappear once you close your browser. Others, called persistent cookies, stay on your device until a set expiration date. We use both types of cookies to help our website run smoothly and improve your experience.

Information Storage, Security, and Fraud Prevention

We keep your information to meet the purposes described in this Privacy Notice and to comply with our recordkeeping, legal, or business obligations. This means we hold onto it to fulfill the reason we collected it, resolve disputes, or enforce our rights.

When deciding how long to keep information, we consider what type it is, how sensitive it is, legal requirements, and whether we can meet the same need in other ways. Once it's no longer needed, we delete it or remove identifying details following our data retention policies.

We take your privacy and the security of your information seriously. We use a mix of administrative, technical, and physical safeguards to help prevent unauthorized access, loss, or misuse of personal information.

We may also use the personal information we collect to prevent fraud, detect security issues, and protect you, us, and others from malicious activity. While we do our best to protect your information, no system is completely secure. Because of how the internet and technology work, we can't guarantee absolute security, but we take reasonable steps to protect your data.

Information Shared with Others

We share personal information with the following trusted partners.

• Third-Party Lenders: You may authorize us to share your personal information, such as your contact information, including your name, email, and phone number, with third-party lenders to obtain information about the home equity lines of credit they offer. Any information collected by a third-party lender is governed by the lender's privacy policy.
• Service Providers: We share information with trusted service providers that help us provide our website and perform other services in accordance with this Privacy Notice, including hosting, communications, and analytics service providers.
• Affiliates: We may share your information with Lowe's Companies, Inc. and other affiliates who may use your information consistently with this Privacy Notice. For more information about how our affiliates use personal information, please visit the Lowe's U.S. Privacy Statement.
• Legal and Safety Reasons: We may share your information with law enforcement, regulators, or others if required by law or legal process, or when we believe doing so will help or is necessary to protect our customers, team, or business from fraud, threats, or illegal activity, and to collect debt or enforce our policies.
• Business Transfers: If Lowe's FS, LLC merges with, sells, or transfers part or all of our business, your information may be included as part of that process.

Third-Party Features and Links

Our website also includes links to other sites, including to third-party lenders. When you click a link that takes you off Lowe's FS or authorize us to share your information with a third-party lender, this Privacy Notice no longer applies. To opt out of receiving information from a third-party lender, please contact the lender directly.

Who We Are and How to Contact Us

"We," "us," "our," refer to Lowe's FS, LLC.

If you have questions about this Privacy Notice, please contact us here.

We may update this Privacy Notice from time to time so please check back here regularly for the most up to date version.

The last time we updated this Notice was April 22nd, 2026.