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+## FRE-5427: Privacy Policy Complete
+
+- Created production-ready Privacy Policy (586 lines, 14 sections)
+- Filled all placeholders: company name (Lendair, Inc.), dates, address, contacts
+- Finalized 10 vendor-specific disclosures (Stripe Identity, Plaid, Stripe, Clerk, AWS, Turso, Google Analytics, Mixpanel, SendGrid, Twilio)
+- Added state-specific privacy rights for all 5 launch states: CCPA/CPRA (CA), CPA (CO), VCDPA (VA), GDPA (GA), UCPA (UT)
+- Aligned data retention with AML/KYC: 7 years account/transaction, 5 years SAR, 4 years credit reports
+- Cross-border transfers via SCCs for EU/UK
+- Uploaded as issue document, set to in_review with pending board approval request_confirmation
+- Document: /FRE/issues/FRE-5427#document-privacy-policy