This document regulates the association of the personal and non-personal information provided to the Site. If the User has already shared their information to the Site and wants to rescind details from the Site’s record (and, by doing so, eliminate such details from our regulations and authority), the User can contact us.
Information that is Non-Personally and Personally Identifiable
For registration purposes, You must provide the Website with Your personally identifiable information (PII) via our online registration form. The way the PII is obtained, saved, disclosed, and used is regulated by this document’s provisions. This PII is crucial in order to provide You with the service we provide. If You are not in need of the Site’s service, or if You decide to stop using the Site, You should not submit Your PII on the Website. PII includes (but is not limited to) Your full name, home address, telephone number, email address, SSN, employment and banking information, and other information necessary to verify Your ID.
Note: Your banking information and SSN are only used for the matching and searching service that You have requested. This information is never shared by third parties unless required by law or ordered by authorized parties (for instance, due to an issue of national security).
Besides PII, we collect non-personally identifiable information (NPII) from You whether or not You submit any personal information to the Site. Some examples of NPII include Your behavioral data, like IP data, geolocation, OS, browser details, referral and exit pages, ISP, date and time data, etc. These details may be sent to third parties that we are under contract with, with the exception of You hiding Your NPII or directly requesting us to cease using Your NPII.
How Your PII Is Used
We obtain, save, disclose, and use Your PII information under this document’s provisions. All of the PII You provide is safeguarded using our security methods and encryption. The registration information that You submit on the Site is used to fulfill searching and matching functions with one (or more) lenders that we are under contract with. This allows You to receive the loan products that You expressed having an interest in. By submitting Your information to the Site, this is considered as willingness to be matched with a financial service provider or lender. Furthermore, the information collected by the Site may be used to get in contact with You regarding marketing information on services and products that You showed interest in. We can also use Your information to protect You from Internet-based fraud and potentially malicious activity. We will obtain, save, disclose, and use Your information only if You express consent by clicking the related button or checking the box of consent – both actions authorize the Site to use Your information.
Some of the PII You provide (not including Your SSN, banking information, or other highly sensitive information) can be disclosed to some contracted third parties if technical expertise is necessary. These authorize third party contractors are held liable for securing Your information. They may not use Your information in any other way except for what is outlined in the agreement we form. Furthermore, they may not share Your PII with other third parties. The activities that are carried out with Your PII are bound by the regulations of this document and other formal documents on the Site. The activities must also be compliant with the USA’s legislation and any applicable international laws. Furthermore, Your PII may be shared with credit priors for consumer reporting due to Your previous authorization. Lenders carry out this action in a prerogative manner and are thereby regulated by legal documents regarding Your communication with financial providers and Your lender – this action would have nothing to do with the use of this Website or its services, nor with this Privacy agreement.
Your PII can be disclosed partially or completely upon request by government entities, as well as with any authorized organization or authority, so long as the disclose is legal and necessary for the following reasons:
– it is necessary in order to comply with legal procedures;
– it is needed to protect the property belonging to the owner of the Website, or the Site’s affiliates, and does not contradict relevant laws;
– it is needed in order to protect national security and/or prevent crime;
– it is necessary in order to protect public or personal safety.
If the owning company and its assets are acquired, merged, purchased, or consolidated, Your PII may be conveyed and disclosed to the receiving party during those actions. If the owning company is liquidated, and if a court’s decision on insolvency takes place, the liquidating party or its authorized representatives may sell, transfer, license, or dispose of Your PII in compliance with the regulations laid out by the court’s decision. In such a case, it is possible that the Website’s PII owners will receive upfront notification regarding the forthcoming modifications and procedures. Alternatively, such notification may be openly published on the Site. It is possible that mergers, acquisitions, and other such modifications may be associated with a company that is not located in the U.S.
Third Party Marketing
Your PII could possibly be partially (not including SSN, banking information, and other sensitive details) shared for marketing purposes with third party lenders, advertisers, and marketers that we are under contract with. In such cases, the receiving party may use this provided information in addition to disclosing it to other third party marketers who would like to present You with products that You have expressed previous interest in when providing Your information. If You do not wish to receive these marketing offers and/or messages, You can opt out by unsubscribing and rescinding Your information from the third party marketers’ lists. There will be an unsubscribe option (a button or a link) in the messages that You receive from these marketers. Marketing activities can take place via direct mail, online banners, short messages, emails, telemarketing calls, etc. Besides that, Your information may be used to track Your Internet activity, in addition to collecting Your online searching and behavioral information. Such activities are typically performed in order to greaten the quality of the services that You are presented with online and to adjust marketing activities so that they meet Your needs and requirements.
By continuing to use the Website and by attempting to use the services presented by the Website, You submit Your express agreement that You have reviewed and understood the legal documents’ provisions, which regulated how Your information is used on the Site. You also agree that You have read the terms of how Your PII is obtained, saved, disclosed, and used and how it can be used by third party marketers and lenders.
If You wish to cease contact with us and to stop receiving information from us, You must close this and other pages from this website. If You have already provided us with Your personal information and You want to opt out from any further communications (and rescind Your information from our database and lists), You may contact us directly and relay the request. Contact us by sending an email to email@example.com of via another form of contact indicated on the Site. After Your request is processed, Your personal information will be removed from the Website’s database. Once Your information has been taken out of the database, we guarantee that it will not be further shared with any third party, used in any secondary purposes, or used in marketing endeavors. However, since Your personal information has already been disclosed to third party marketers, we cannot control the communication that is sent to You from these parties. In order to remove Your information from their marketing databases, You should contact the marketers directly.
PII Usage and Credit Implication
The information that is disclosed to our third party lenders may be used in order to verify Your identity (for instance, via driver’s license number or SSN). The information can also verify Your information when compared to national databases. Furthermore, the lenders that we are under contract with might need to proceed with credit verification and request a credit report from credit organizations by using Your PII. These organizations include but are not limited to the biggest credit bureaus. This activity is used in order to determine Your level of credibility and the risks inherent to providing You with credit products. Requesting Credit reports may decrease Your credit score. If You decide to continue using the Site and You submit Your information to the Website’s online form, You are giving Your express agreement to have Your information verified and Your credit checked in compliance with these third party lenders’ legal documents that are used to regulate their communication and practices with You.
Telemarketing and Emails
Your PII may be used for communication, both indirect and direct – including (but not limited to) assistance calls, telemarketing calls, and service/credit product offers via the phone number that You provided in the Website’s online for. We, in addition to third party marketers and lenders, can use this telephone number even if it is listed on any federal, corporate, or state Do-Not-Contact registry, a suppression list, or similar databases. Because You have turned in the information via an online form in attempt to fulfill a purchase or receive a service, Your request’s application and processing will be performed according to the regulations outlined by the Amended Telemarketing Sales Rule (ATSR), 16 CFR §310. Under the ATSR, even if Your phone number is on FTC’s Do-Not-Call List, we may still get in contact with You via telemarketing because of Your freely given consent.
Because Your request for the Website’s services and to third party marketers is considered to be an attempt at making a purchase, the ATSR authorizes these third party marketers to contact You with telemarketing.
How We Collect NPII
If You opt-in to use the services of the Website or those of contracted third party marketers and lenders, You could be subject to cookies, pixel tags, web beacons, web server logs, and browser analysis tools. These small pieces of code are used to record and monitor Your Internet activity – for instance, Your geolocation, IP address, browsing and click history, language preferences, online behavior, OS, and browser settings. All of the aforementioned data is considered to be NPII (non-personally identifiable information). NPII is gathered and stored to customize Your online experience.
Cookies are small, unique files that are assigned to Website users by the Site server. The assignment happens when the users visit and fulfill activities (linking, clicking, etc.) on the Website. When the cookies are installed on Your computer, they collect data about Your online behavior and browsing habits, and send it to us – as well as to third parties that are permitted to collect this data. Cookies use user recognition in order to analyze Your preferences and modify Your services accordingly. Cookies are also able to prevent security breaches by detecting fraudulent and malicious activity.
Temporary and permanent cookies are of different size and longevity. Temporary (or session) cookies are utilized for a unique Website operation and are thereafter erased once the User closes out the Site or the web browser. Permanent cookies are stored for a longer period of time, and they remain in place after the User leaves the Website or shuts the web browser. You can access Your web browser’s options in order to manually set Your cookies preferences. If You consider it to be necessary, You can delete Your cookies. For more information about cookies and how to manage them, see http://www.aboutads.info and http://www.cookiecentral.com/.
Web Beacons and Pixel Tags
Web beacons and pixel tags are placed on emails and web pages in order to monitor user activity. Such features record the user’s session activity and, thus, enable the Website to adjust and improve their promotions and marketing campaigns to better meet the User’s needs. You can find more information about beacons here: www.webopedia.com/TERM/W/Web_beacon.html.
Log files are files that are collected and store information regarding Your IP address, ISP, browser and platform type, date/time data, click records, exiting and referring pages, and so on. Such files are used to improve Your Website experience.
We have established different practices for using Your information in order to effectively manage privacy. Besides techniques that are sued to improve Your Website experience, we provide You with the options necessary to place limits on the amount of information You share with us. We also make it possible for You to rescind Your information from the Website’s records upon request.
If You do not wish for Your NPII information to be obtained, saved, disclosed, or used, You should immediately exit the Site. However, it is possible that tracing files such as cookies and beacons are installed automatically. To delete these cookies, adjust Your settings, accept or reject future cookies, and remove cookies from Your computer altogether, You will need to access Your browser’s option page and change Your preferences accordingly.
Alternatively, You can opt out from online tracking of Your behavior by unsubscribing from third party marketers’ email lists via the unsubscribe links/buttons.
The website obtains, saves, discloses, and uses Your PII under strict compliance with privacy and security protection practices. We protect Your PII and all activities performed on our Website from all attempts of fraud, malicious activity, unauthorized usage, and other dangerous web practices. We use physical, electronic, and managerial tactics to provide all Website users with protection against the loss, unauthorized modification, misuse, and destruction of any User information.
However, no Website can guarantee that Your web experience will be completely secure with absolutely no violation taking place. The Website’s owner cannot take responsibility for security breaches, illegal activities, and modified or stolen data that takes place outside of the owner’s control. If You would like to guarantee that Your information is protected from any outside malicious activity, You may submit a request to rescind Your data from any database or listing that You believe is insecure. Third party marketers who are authorized to receive Your PII are responsible under contract to protect Your data as much as is reasonably feasible. We use multiple methods to verify that our partners are diligently upholding their information security procedures. If there is a violation that takes place, any relevant regulations and laws are carried out to manage the situation and to prevent potential negative consequences.
Collection Information From Children
The Website shall never voluntarily collect information from children who are under 18 years as age, as it is strictly banned. The Site uses filters to detect if somebody under the legal age is attempting to provide the Website with information. If we detect that PII received belongs to somebody under the age of 18, we will delete the information immediately. We comply with the Children’s Privacy Protection Act (COPPA), and thus do not voluntarily obtain, save, disclose, or use PII belonging to users Younger than 18.
We, in addition to our third party marketers under contract, reserve the right to end the e-documentation, e-notification, and other e-communication provisions. In such cases, Users may receive prior notification regarding the termination as outlined by relevant laws and regulations, Policies and Terms documents, and business relationship regulations. The hard copies of e-documents are not required to be stored or produced in order to reduce expenses. All e-records, e-disclosures, and e-documents are destroyed in accordance with procedural practices and the routine schedule that are determined by regulatory requirements. Any e-records can be recognized as evidence to validate agreements, obligations, and rights that are related to the parties bound by those e-documents’ provisions. The time required for validating and providing e-communications, as well as the legal force of such, may differ.
Links to Third Party Websites
The Site contains hyperlinks to third party websites, and possibly to third party marketer websites. Since the Site provides a matching service, it can connect its Users to third party lenders with links. When users provide information on external websites, that information’s privacy is subject to the external websites’ regulations and are not regulated under this Website. Furthermore, such third parties have their own regulative documents on their Sites, which Users should review in detail before sharing any PII.
Notifications Across State Lines
We strictly adhere to federal and state codes and regulations. The way that PII can be utilized is different from state to state. Some state regulations require the party that collects the personal information to disclose how and when it will be shared, in addition to who the information will be transmitted to (both exclusively and individually). In addition to this, state regulations may state that the Site is required to disclose the types of personal information that will be shared – and how third parties will use this kind of information. If You are a resident of a state in which such regulations are enforced, we recommend directly contacting us via the channels outlined on the Website. Requests for information will be processed on an individual basis. The Website reserves the right to deny request processing if the User resides in a state in which these regulations are not enforced.
Changes and Modifications
Complaints and Inquiries
The Website’s users have the right to amend, modify, and rescind the PII collected on the Website. If necessary, the User who decides to change information should contact us at firstname.lastname@example.org or through another contact channel provided on the Site. If a Website user has a complaint about how the Website is operating and/or any services, the User should also contact us via those communication channels and explain the complaint. We process and respond to each inquiry in the shortest amount of time possible.