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.
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]loans.org.
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]
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
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.
Links to other websites
A Special Note about Children’s Privacy
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
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.
Updated October 1, 2013.