is committed to advising you of the right to your privacy and strives to provide
collection and usage policies and practices that apply to our website.
By registering on our website, you explicitly accept, without limitation or qualification,
the collection, use and transfer of the personally identifiable information [PII]
provided by you in the manner described in this policy. Please read this Statement
carefully as it affects your rights and liabilities under the law. If you disagree
or do not accept with the way we collect and process your PII, please do not use
this website and do not register any PII on this website.
SCOPE OF THIS POLICY
This policy applies to this website and regulates the processing of PII provided
by you during the registration process. It describes what type of information we
collect; how we use that information and to whom we can provide that information.
It also informs you of how to notify us to stop providing your information. We are
located in the United States and by registering on our website, you agree to be
governed by the laws of the United States.
Our website also contains links to third party websites over which we have no control.
As such, we are not responsible for the privacy policies or practices of third party
websites when you choose to visit them by clicking a link on our website. We encourage
you to review the privacy policies of those third party websites to understand how
they collect, use and share your information.
We also do not control the data use practices of those persons or entities to whom
we transfer your PII for the purposes of providing the service you have requested.
We encourage you to review the privacy policies and opt-out choices of those third
parties so you can understand how they collect, use and share your information.
SCOPE OF THIS POLICY
We collect the following general types of information about you when you register
on our website:
Personally identifiable information
is information that can be used to identify you. We do
not collect PII except during the registration process or when you choose to provide
it to us. Some examples of PII that we collect during the registration process include:
- First and Last Name
- Physical Address
- Email address
- Telephone number
- Bank account information
- Contact information
- Any other information you provide to us during the registration process or though
the course of communicating with us about the products and services provided on
that may or may not be unique to you in the sense that it refers to selected population
characteristics. Such information may include, but is not limited to, zip code,
telephone numbers (including cell phone numbers and carriers), birth date, gender,
salary range, education and marital status, occupation, industry of employment,
personal and online interests.
pertaining to how you use our website; the areas of our website that you visit;
what articles or services you accessed; and information about your computer hardware
and software including your IP address, geographic location, browser preference,
operating system type, domain names, times that you access the internet and other
websites you have been referred to us through. This information is necessary to
analyze the use of resources, troubleshooting problems, preventing fraud, and improving
our services and products.
Third party information:
that we may acquire from a third party which may include personal, demographic,
behavioral and indirect information. We obtain this information so that we can personalize
the advertising shown to you.
Web technology information:
information we automatically collect from you when you open one of our emails or
beacons or java script as discussed below.
No Information Collected from Children:
We never knowingly collect any Personal Information about children under the age
of 13. If we obtain actual knowledge that we have collected Personally Identifiable
Information about a child under the age of 13, that information will be immediately
deleted from our database. Because we do not collect such information, we have no
information regarding its use or disclose to third parties.
Bank Account Information:
in certain instances, collect credit card numbers, bank account and related information
when you place a request for services from our website. When the bank account information
is submitted such information is encrypted and is protected with SSL encryption
software. We transfer the bank account information for purposes of processing and
completing the request you submitted through our Website, and the bank account information
is disclosed to third party participating lenders and service providers for such
lenders as necessary to complete the requested you made on our website.
“Cookies” are a feature
in your browser software. If enabled, we may write cookies that may store small
amounts of data on your computer about your visit to any of the pages of our website.
Cookies assist us in tracking which of our features appeal the most to you and what
content you view or may have viewed on past visits. When you visit our site again,
cookies can enable us to customize our content according to your preferences. We
and report aggregate, statistical information on website usage; deliver specific
content to you based on your past viewing history; save your password. You can disable
cookies, although the website may not function properly for you. Your browser preferences
can be modified to accept or reject all cookies, or request a notification when
a cookie is set. You may read more about cookies at
. In order to use all of the features and functionality
of our website, you need to accept cookies.
We predominately use “session” cookies, which are not permanently stored on your
hard drive. Session cookies expire after two hours of inactivity or when you close
your browser. When you carry out the request for services on our website, a large
amount of data is processed by our system and transferred through each page of the
registration. This information includes all the information you input on a registration
page you complete as part of the registration process as well as demographic information
that is not unique to you. “Session” cookies allow us to keep track of this data
until you have completed your registration.
You have the
ability to accept, decline or remove cookies at any time by modifying your browser
settings. Please see http://cookiecentral.com
If you choose to decline cookies, however, that may hinder performance and negatively
impact your experience on our website.
We also use electronic
images known as web beacons (sometimes called single-pixel gifs, clear gifs or action
tags) that allow us to collect certain information about your visit to these Web
pages (including the number of users who have visited those pages). This measures
and improves the effectiveness of advertisements and delivery of services. Web beacons
are not used to access your PII; they are a technique used to compile aggregated
statistics about website usage. Web beacons collect only a limited set of information
including a cookie number, time and date of page view and a description of the page
on which the Web beacon resides. This information may be shared with one or more
third parties so that they can understand the types of visitors to our website;
how those visitors use our website; and the effectiveness of advertisements. We
may also use web beacons in email messages sent to individuals listed in our database.
Disabling Web Beacons:
web beacons are the same as any other content request, you cannot opt out or refuse
them. However, they can be rendered ineffective by either opting out of cookies
or changing the cookie setup in your browser.
functionality of our website, particularly with respect to pictures. We do not collect
You may deactivate
Your Internet Protocol
("IP") is a unique Internet "address" which is assigned to you by your Internet
Service Provider ("ISP"). For local area network ("LAN"), DSL, or cable modem users,
an IP address may be permanently assigned to a particular computer. IP addresses
are automatically logged by web servers and collect information about a user's traffic
patterns. While the IP address does not identify an individual by name, it may,
with the cooperation of the ISP, be used to locate and identify an individual using
the web. Your IP address can reveal what geographic area you are connecting from
and which ISP you are using. We automatically track certain information based upon
your actions on our website. We may use this information to do internal research
on our users' demographics, interests, and behavior to better understand, protect
and serve you and our community. This information may include the URL that you just
came from and which URL you next go to after visiting our website, your computer
browser information in addition to your IP address.
We may also
collect and accumulate other anonymous data which will help us understand and analyze
the experience of our visitors. For instance, we may accumulate visitor data relating
to referring domain names, the type of browsers used, operating system software,
screen resolutions, color capabilities, browser plug-ins, language settings, cookie
us with PII, we are able to use such visitor data to identify you.
HOW WE USE THE INFORMATION COLLECTED
We use the
information we gather on our website for the purposes of providing the services
you have requested. This may include passing your information on to a third party
with whom we have a contract to provide such services. Although our contractual
arrangement limits how such third party can use your information, we do not control
the privacy practices of this third party. If you have any questions or wish to
remove your information from the third party’s database, you will need to contact
that party directly. That will either be your participating lender, or provider.
Improving our Website:
use the information we gather on our website to respond to any inquires you make;
operate and improve our website, improve and create a positive user experience on
our website; and deliver the services you requested from our website. Our services
include the display of personalized products, content, and advertising relating
to your experience and interests. The information we gather on our website may be
shared with other companies under common ownership with ours throughout the world.
DISCLOSURE OF INFORMATION TO OTHERS
We disclose to third parties throughout the world your personal information, combined
personal, demographic, behavioral or indirect information, as set forth below:
Service Delivery and Vendors:
share your information with third parties who help us in the delivery the services
you have requested including participating third party lenders. We disclose your
information to companies and individuals we employ to perform technical functions
on our behalf. Examples include third parties who host our website, analyze our
data, provide marketing assistance and provide customer service. These companies
and individuals may not share that information with any other third party or use
that data for any other purpose.
Third Party Products and Services:
We may disclose such information to third parties to provide you with information
about the opportunities, products or services of third parties. We use the data
and data logs we have about you, including interests and preferences you have expressed,
to determine whether you might be interested in the opportunities, products or services
of a particular third party. This type of marketing may be in the form of email
offers or mobile offers sent to by third parties or telemarketing calls from third
We may also
share aggregated anonymous information about you and other persons using our website
with third parties so that they can understand the kinds of visitors to our website
and how those visitors use our website. This includes demographic information and
We disclose information
if legally required to do so, or at our discretion pursuant to a request from a
governmental entity, or if we believe in good faith that such action is necessary
to: (a) conform to legal requirements or comply with legal process; (b) protect
our rights or property or our affiliated companies; (c) prevent a crime or protect
national security; or (d) protect the personal safety of users or the public.
Acquisition or Merger:
We may disclose
and transfer information to a third party who acquires any or all of our business,
whether such acquisition is by way of merger, consolidation or purchase of all or
a substantial portion of our assets. In addition, in the event we become the subject
of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator,
administrator, receiver or administrative receiver may sell, license or otherwise
dispose of such information in a transaction approved by the court. You will be
notified of the sale of all or a substantial portion of our business to a third
party by email or through a prominent notice posted on the Site.
Again, in each of these situations, the recipients of your data may potentially
be located in any country in the world.
THIRD PARTY USE OF YOUR INFORMATION
Third parties also collect and use information about you on our Site in the following
Advertiser cookies and web beacons:
Advertising agencies, advertising networks, and other companies who place advertisements
on our website and on the internet generally may use their own cookies, web beacons,
and other technology to collect information about you. We do not control the collection
techniques of such third parties and have no responsibility for the use of such
technology to gather information about you.
Our website and email
messages contain hypertext links to the websites of third parties. We are not responsible
for the privacy practices or the content of such other websites. Such links are
provided for your convenience and reference only. We do not operate or control any
information, software, products or services available on such third party websites.
The inclusion of a link to a website does not imply any endorsement of the services
or the third parties website, its contents, or its sponsoring organization.
USE OF YOUR INFORMATION FOR EMAIL AND TELEMARKETING
Email and Unsubscribe Policy:
may provide your personal information to third parties for promotional offers by
email. These offers may be for our services and products or those of third parties.
We may maintain separate email lists for different purposes. If you wish to end
your inclusion in a particular list, you need only to follow the instructions at
the end of each email message to unsubscribe from the particular list by going to:
To unsubscribe from all of our email lists, please send us an email requesting the same to email@example.com.
or Mail us to :
9 East Loockerman St. Suite 3A-347
Dover, DE 19901
or by telephone
Content of Email Messages:
may receive certain commercial email messages sent by third parties for products
which may be of interest to you. In such case, an Advertiser's name will appear
in the "From:" and the email will have a method at the bottom of the email to unsubscribe
from that Advertiser. We are not responsible for third party emails sent to you.
Opting Out of Email Marketing Material:
We provide you the opportunity to ‘opt-out’ of having your PII used for certain
purposes, when it asks for this information. For example, if you request a service
but do not wish to receive any additional marketing material from us, you can indicate
your preference by emailing or calling us per the information contained on our contact
If you no longer wish to receive our promotions, you may opt-out of receiving it
by following the instructions included in each email you may receive from us or
by emailing us at firstname.lastname@example.org.
We may use your
PII to advertise, directly or indirectly, to individuals using direct mail marketing
or telemarketing using telephones and cell phones even if you have your telephone
number or cell phone number listed on a state or federal do not call registry. By
registering and using our website, you agree that such registration and request
constitutes a purchase, an inquiry and/or an application for purposes of the Amended
Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). Notwithstanding that
your telephone number may be listed on the Federal Trade Commission's Do-Not-Call
List, you have authorized us to contact you via telemarketing in accordance with
the ATSR. Moreover, by registering with, or requesting information from, a third-party
advertiser at or through our website or other advertisement media made available
by us (e.g., email marketing), you agree that such action shall constitute a purchase,
an inquiry and/or an application with the respective third-party advertiser for
purposes of the ATSR and you may be contacted via email, direct mail and/or telemarketing
by such third-party advertiser in accordance with the ATSR.
If the e-mail
address you provide to us is a wireless e-mail address, you agree to receive messages
at such address from us or third parties with whom we may share your wireless email
address or wireless telephone number (unless and until you have elected not to receive
such messages by following the instructions in the removal portion of this policy).
You understand that your wireless carrier's standard rates apply to these messages.
You represent that you are the owner or authorized user of the wireless device on
which messages will be received, and that you are authorized to approve the applicable
Short Message Service:
We may make
available a service through which you can receive messages on your wireless device
via short message service (“SMS Service”). Data obtained from you in connection
with this SMS service may include your name, address, cell phone number, your provider's
name, and the date, time, and content of your messages. You represent that you are
18 years of age and the owner or authorized user of the wireless device on which
messages will be received, and that you are authorized to approve the applicable
charges. In addition to any fee of which you are notified your provider's standard
messaging rates apply to our confirmation and all subsequent SMS correspondence.
All charges are billed by and payable to your mobile service provider. We will not
be liable for any delays in the receipt of any SMS messages, as delivery is subject
to effective transmission from your network operator. SMS message services are provided
on an AS IS basis. We may also obtain the date, time and content of your messages
in the course of your use of the SMS Service. We will use the information we obtain
are charged to your wireless account invoice, we may provide your carrier with your
applicable information in connection therewith. Your wireless carrier and other
service providers may also collect data about your wireless device usage, and their
practices are governed by their own policies.
You acknowledge and agree that the SMS Service is provided via wireless systems
which use radios (and other means) to transmit communications over complex networks.
We do not guarantee that your use of the SMS Service will be private or secure,
and we are not liable to you for any lack of privacy or security you may experience.
You are fully responsible for taking precautions and providing security measures
best suited for your situation and intended use of the SMS Service. We may also
access the content of your account and wireless account with your carrier for the
purpose of identifying and resolving technical problems and service-related complaints.
Removal of Wireless or SMS addresses:
You may remove your information from our database. If you remove your information
from our database it will no longer be used by us for secondary purposes, disclosed
to third parties, or used by us or third parties to send promotional correspondence
to you. You may remove your information by sending your request in writing via email
to email@example.com and stating the wireless number that you wish to have removed,
or by sending "STOP", "END", "QUIT" to the SMS text message you have received.
We endeavor to safeguard and protect your information. When you submit information
at the website, such information is protected both online and offline. The servers
in which we store Personal Information are kept in a secure physical environment.
We have security measures in place to protect against the loss, misuse, and alteration
of personal information under our control. Currently, we use Secure Socket Layer
Software ("SSL") to protect data and to secure any transactions. SSL encrypts information,
including bank account information, names and addresses as they are transmitted
over the Internet. Please be advised that, although we take commercially reasonable
technological precautions to protect your data, no data transmission over the Internet
can be guaranteed to be 100% secure. Therefore, We cannot and do not warrant that
your information will be absolutely secure. Any transmission of data at or through
this site is at your own risk. However, access to your information is strictly limited,
and not accessible to the public.
CHANGES TO PRIVACY STATEMENT
We reserve the right to make material changes to the substance of this Privacy Statement.
We will post those changes through a prominent notice on the web site so that you
will always know what information we gather, how we might use that information,
and to whom we will disclose it.
YOUR CALIFORNIA RIGHTS
A California resident who has provided personal information to a business with whom
he/she has established a business relationship for personal, family, or household
purposes (“California customer”) is entitled to request information about whether
the business has disclosed personal information to any third parties for the third
parties’ direct marketing purposes. In general, if the business has made such a
disclosure of personal information, upon receipt of a request by a California customer,
the business is required to provide a list of all third parties to whom personal
information was disclosed in the preceding calendar year, as well as a list of the
categories of personal information that were disclosed.
However, under the law, a business is not required to provide the above-described
a policy of not disclosing customer’s personal information to third parties for
their direct marketing purposes unless the customer first affirmatively agrees to
the disclosure, as long as the business maintains and discloses this policy. Rather,
the business may comply with the law by notifying the customer of his or her right
to prevent disclosure of personal information and providing a cost free means to
exercise that right.
As stated in this policy, you have agreed to allow us to share information with
third parties for their direct marketing purposes until you remove your information
and thus, agreement for such disclosure. To prevent disclosure of your personal
information for use in direct marketing by a third party, do not opt in to such
use when you provide PII on our website or contact us via email to remove your information
from our database. Please note that whenever you opt in to receive future communications
from a third party, your information will be subject to the third party's privacy
policy. If you later decide that you do not want that third party to use your information,
you will need to contact the third party directly, as we have no control over how
party that collects your information to determine how that entity will handle your
California customers may request further information about our compliance with this
law by e-mailing firstname.lastname@example.org
note that we are only required to respond to one request per customer each year,
and we are not required to respond to requests made by means other than through
this e-mail address.