1. Protecting Consumer Information
1.1. Secured Transmissions Any credit card or bank account information that is submitted to us or is transmitted to a participating lender is encrypted and protected with SSL encryption software.
1.2. Secure Storage All sensitive information is stored in a physically and technically secure environment that is not accessible to the public. Access is strictly limited to employees who require the information to perform specific tasks. All employees who do not adhere to our strict privacy policies are subject to disciplinary action.
1.3. Your Own Obligations to Your Personal Security As the consumer, you will also play a role in protecting your own private information. This involves not sharing your user name or password and restricting access to your own computer when necessary. You are responsible for any information that you share on this site, and you should never provide personal information to others.
2. Information Collected About You
2.1. User Direct Information The information that we collect when you fill out a form on our Website includes your name, physical address, email address, social security number, credit card information, bank account information and telephone number. This is collectively referred to as “personal information.”
(a) Cookies are a feature of browser software that, when enabled, stores small amounts of data on your computer whenever you visit a Website. This data assists us in tracking which of our site’s feature’s you use the most often and what content you view during each visit. Cookies allow content to be customized according to your preferences. Browsers allow users to customize which cookies, if any, are stored on a computer and may even alert users when a cookie is set.
(b) Web beacons are programs used to display images on a webpage based on unique user information acquired and stored on the page’s database. It studies online behavior patterns and tailors images and advertisements to the individual.
(c) IP addresses are used to track a user’s information based on their behavior on the site. This information is in turn used to perform research on users’ demographics so that the site can be better used to serve clients.
(d) Computer profiles are also used to collect anonymous information such as domain names, the operating systems and browsers used, screen resolution of users’ computers and other data that can help us to better understand how the website is utilized.
2.3. Wireless Address If you register on our site using a wireless email address, you will understand that your wireless carrier’s standard rates apply to all messages that are sent. You represent that you are owner of the wireless device used to send these messages and that you are authorized to approve all appropriate charges.
We cannot guarantee that the use of an SMS messaging service from a mobile device will be entirely secure. You are responsible for taking any security or precautionary measures that you deem necessary for your situation.
2.5. Personal Data Collected From Children No information will be knowingly collected from children under the age of 13. Any personal information obtained from children will be immediately deleted.
3. How Your Personal Information is used
3.1. Providing Requested Services The primary reason why we collect personal information is so that we can better provide the services that you have requested. To that end, we will send information to the participating lenders in our network, and we may use it to resolve disputes, address technical problems or enforce agreements with you. The use of this information will be limited to what is deemed necessary to provide these services.
3.2. Targeted Advertising We may use your information to provide advertisements for products and services for which you have expressed interest. These advertisements may be presented through email, direct mail, telephone calls and other means of communication.
3.3. Technology Information We may use technology information to improve your profiles, track your Internet browsing habits and to determine which areas of our site are most often used by you. This will help us to better understand our clients so that we can tailor advertisements and promotions to them.
3.4. Legal Compliance We will disclose personal information in response to subpoenas, warrants, court orders and other legal processes or to exercise our legal rights if we believe that an agreement has been violated or to protect our company or our clients from harm. We also reserve the right to disclose personal information if we believe it is necessary to investigate or take action against illegal activities, suspected fraud or threats to the physical safety of an individual.
4. Parties With Whom Your Information May Be Shared
4.1. Affiliates Your personal information will be shared with affiliates, network lenders and assignees when it is deemed necessary. You do not have the option of opting out of sharing this information when you apply through our website.
4.2. Third Parties Some of the services that we offer are provided by third parties. To better provide these services to our clients, we reserve the right to share non-public information with these parties. We also provide this information to consumer reporting agencies and related organizations as well as share information with any company with whom we have a marketing relationship. This is done to better provide you with any goods and services in which you may find interesting.
5. Changes to This Policy