Secured with SHA-256 EncryptionPrivacy Policy
This Privacy Policy sets out how Loans.org uses and protects any information that you give us when you use the Loans.org website (the “Site”). The terms “we,” “us,” or “Loans.org” refer to Loans org, LLC and its subsidiaries and affiliates. Please note that this Privacy Policy applies only to information collected through the Site and not to websites maintained by other companies or organizations to which we link.
What we collect
We may collect the following information:
- name and job title
- contact information including email address and telephone number
- demographic information such as postcode, preferences and interests
- other information relevant to customer surveys and/or offers
- In certain circumstances, with your consent, we may collect additional personally identifiable information to match you with specific loan products, including social security number, salary and banking information
What we do with the information we gather
We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:
- We may provide your information to our third party partners for marketing or promotional purposes.
- We may use the information to improve our products and services.
- We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address you have provided.
- From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail.
- We may use the information to customize the website according to your interests.
- We will retain your information for internal record keeping.
- We will never sell your information, except in accordance with the following guidelines with respect to information sharing
Information Sharing and Disclosure
We share personal information about you under the following circumstances:
Loan Product Requests. If you submit a request on the Site for information about loan products or services, we will share the personal information contained in your request form (such as your full name, address, telephone number, email, general information you have supplied about your credit, etc.) with third parties, which include banks, lenders, and other service providers (“Service Providers”) in our network to process and fulfill your request for a particular loan product. In some circumstances, we may obtain additional information about you and/or share that information with Service Providers in our network. For example, we may now or in the future use your Social Security number, your date of birth, or other personal information to obtain your credit report and credit score to help us better match you with Service Providers.
All Service Providers in our network have entered into agreements with us, which require them to secure any personal information provided through the Site and limit how they can use such information. These Service Providers are also required to comply with federal and state privacy regulations. By submitting your request to us, you understand that Service Providers may contact you by telephone (including through automated calling or on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of Loans.org or one of these Service Providers. If one of the Service Providers contacts you and you wish not to be contacted again by that Service Provider with respect to your inquiry, then you should specifically make a request to that Service Provider. Please note that the Service Providers may maintain the information you provided whether or not you elect to use their services.
Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including our affiliates, to develop and deliver targeted advertising on our Site and on the websites of third parties and our affiliates.
As Required by Law. We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances whenever we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or as otherwise required by law.
Business Transfer. As with any other business, it is possible that we could in the future enter into a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale. If such a transaction occurs, the successor company would have access to the information maintained by us, including your personal information, but would continue to be bound by this Privacy Policy unless you consent otherwise as provided herein.
Choice/Opt-Out
You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at [email protected].
Security
We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and administrative procedures to safeguard and secure the information we collect online. When you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us at [email protected].
How we use cookies
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets us know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs.
Overall, cookies help us provide you with a better user experience, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the Site.
Third Party Cookies
The use of cookies by our partners, affiliates, and/or service providers is not covered by our Privacy Policy. We do not have access or control over these cookies. Our partners, affiliates, and service providers use session ID cookies to make it easier for you to navigate our site, and in order for you to use our loan application forms.
Web beacons
Our Web pages contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.
Widgets
Our Web site includes social media features, such as the Facebook Like button and widgets, such as the “Share this” button, loan application forms, or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the privacy policy of the company providing them.
Links to other websites
Our Site may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. In addition, third party advertisers may maintain their own mailing lists and may send communications that advertise their services. We cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.
A Special Note about Children’s Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on the Site only in conjunction with your parents or guardians. Please see our Terms of Use for more information.
Updating, Obtaining, Deleting, or Removing Your Information
Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To modify, correct, change, update or delete/remove your personal record from our database, please send your request via email to [email protected].
Special Notice to California Residents
We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at [email protected]. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.
Visitors outside the United States
This Privacy Policy is intended to cover collection of information on our Site from residents of the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By visiting our Site or using our services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your residence country.
Data Retention
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at [email protected]. We will also retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We may update this Privacy Policy to reflect changes to our information practices. If we make any change in how we use your personal information we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of our Site after we have posted any Privacy Policy changes indicates your agreement to the changes unless you notify us otherwise.
Your Agreement
By using the Site, you signify your assent to this Privacy Policy. If you do not agree to this policy, please do not use any portion of the Site. When you request information through the Site, you are authorizing us to share information with our business partners, who may contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly.
Contact Us
Updated October 1, 2013.