All information transmitted, printed or otherwise submitted via this Website as well as any Information that you provide to us directly by phone (including any phone number displayed via caller ID), text or SMS message, U.S. mail or through any other written or oral communication with us shall be deemed to be our property and we shall be free to use such information for any lawful purpose as detailed herein.
This Website contains links to other sites and we are not responsible for the privacy practices or the content of such sites.
Information We Collect
We collect aggregate information on what pages you access or visit, information volunteered by you, such as site registrations, order information and other personal information that you knowingly and willingly volunteer through any of our on-line forms, registration forms and pages.
For each visit to our Web page, our Web server automatically recognizes your IP address and domain name, type of client computer, type of Web browser, type of operating system, pages you are visiting and referring URLs.
We Do Not Intend to Collect Data from Children
Individuals under eighteen (18) years of age are not permitted to obtain products and/or services from us. No information should be submitted to, or posted at, our Website or any affiliated sites by visitors under eighteen (18) years of age without first obtaining the prior consent of their parent or guardian. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
Gramm-Leach-Bliley Act and California Financial Privacy Act Notice
In addition, by using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the “Rule”). Notwithstanding that your telephone number may be listed at the Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
By signing up with us you expressly opt-in to receive future information about products and services from us and from a variety of advertisers to whom we may provide your information. We may share your personal information with third parties, including our advertisers, without limitation for the following purposes: (1) to communicate with you regarding your account with us, (2) to permit advertisers or other third parties to use your information for any purpose such as contacting you by email, phone, text message, U.S. mail or any other means of communication for any purpose, (3) as we are required to do by law. As a result, we will transfer your information to third parties whose privacy policies and practices are beyond our control.
In addition, in the event we consider a transaction involving the purchase or sale of our assets or stock, other companies may review our records, including your information, to make business decisions about the transaction. Likewise, your information may be transferred to third parties in the event of the sale or acquisition of our company or any of its assets. The parties who perform services for us (credit card processors, merchant banks, our internet service provider, etc.) also may have access to your information in performing their services.
How We Gather the Information
A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website. For instance, by setting a cookie on our Website, a user would not have to log in a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, they may still use our Website. The only drawback to this is that the user will be limited in what he/she can access in some areas on our Website, much like visitor-level access.
In addition to cookies, our Website pages and/or e-mails may contain electronic images known as “pixel tags” (also known as clear gifs) to track the pages that visitors and/or users visit at the Website for purposes of formatting future campaigns and upgrading visitor information used in reporting statistics. Our Website may also contain pixel tags placed there by third parties to help determine the effectiveness of a joint promotional or advertising campaign.
How We Use Your Information
The information we collect is used to improve the content of our Website, to customize the content and/or layout of our pages and to contact you for marketing purposes.
Notwithstanding the foregoing, we will not share the Social Security Numbers of any user with third parties without first obtaining their consent to do so pursuant to the terms and conditions set forth in the CFPA. Information collected by us may be added to our databases and used for future e-mails, phone solicitations or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online.
From time to time, we may make certain contact information of those who access our site available to trusted third parties such as credit bureaus, loan service providers and/or other financial services providers in accordance with the terms of the GLB Act and the CFPA, as required by law; and for marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties in accordance with the terms of the GLB Act and the CFPA. Any third party we share, rent, sell, or otherwise disclose data to will be prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest. These businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; SMS-text message marketers; and telemarketers. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list, or similar registry. We may also employ other companies and individuals to perform certain functions on our behalf. These agents have access to our users personal information as needed to perform their functions, but we do not permit them to use our users personal information for other purposes.
For purposes of compliance with the CFPA, we will not share “non-public personal information”. Any and all loan-specific financial information that we collect as part of your loan application (Social Security Number and employment information), and from third-parties (including, but not limited to, consumer reporting agencies, consumer credit bureaus and other outside parties as permitted or required by applicable laws) may be used to determine your eligibility for a loan and will not be shared with third-parties other than independent loan service providers for purposes of evaluating your qualifications for a loan and provision of such a loan, should you qualify. If you choose to provide information, such as your Social Security Number, we may use that information to determine your financial status. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offer or services.
We reserve the right to release current or past user information in the event we believe that the service and/or Website is being or has been used in violation of the Website’s Terms and Conditions, or to commit unlawful acts, if the information is subpoenaed, if we are sold or acquired, or when we deems it necessary or appropriate. By agreeing to these conditions, you hereby consent to disclosure of any record or communication to any third party, when we, in our sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your e-mail address with other third-parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission enabling regulations.
In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the “Rule”). Notwithstanding that your telephone number may be listed at the Federal Trade Commission’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.
If you do not want us to share your e-mail address, phone number or mailing address with other companies or organizations, please let us know by contacting us using the information provided above. You can also have your name put on our do-not-share list by writing to us.. Please provide us with your exact name, email, phone number and address. We will be sure your name is removed from the list we share with other organizations.
Updates To Our Policy
From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Website to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our Website periodically. Your continued use of our service, website or acceptance of our e-mails following the posting of changes to this Policy will mean that you accept any and all such changes and that you agree to continue receiving direct marketing from us and other third party companies.
Like almost all reputable online merchants, your information is protected using standard encryption technology such as Secure Sockets Layer (SSL). Although we take reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. Any transmission of data at or through our Website is at your own risk. However, access to your information is strictly limited, and not accessible to the public.
Additionally, we have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site. Our employees are dedicated to ensuring the security and privacy of all user information.
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