Information Collection, Use, and Dissemination Practices
This policy applies to Company’s collection, use, storage and disclosure of information by Company on its, (a) websites, including all its parent companies, divisions, subsidiaries and related companies (collectively, the “Websites”), (b) on various third party websites, and (c) to Company’s other information collection, including the transfer of opt-in customer lists from third parties, or the use of customer opt-in lists from third parties. Company is not responsible for the information collection or privacy practices of third party websites or applications.
1. Collection of Information.
1.1 User Direct Information : Each time you provide information via the Website, Company may obtain and collect personally identifiable information provided by you, including, but not limited to, your name, email address, mailing address, social security number, credit card information, and telephone or cell phone number. You may also provide us with information that, when combined with personally identifiable information, provides us with a better idea of who you are, including but not limited to your gender, birthday, marital status, and education level (collectively referred to as “personal information”). If you choose to access our website, use our services or purchase our products, we may require you to provide personal information as indicated on the forms throughout the site.
1.2. Survey Information : Company may collect information from you when you voluntarily complete a Company survey, order form, or a registration page either online by using the internet, offline by providing this information through the mail, in person or using a telephone. This information may be collected by surveys, order forms, or registration pages operated by third parties. This method of collection is collectively known as a “Survey.” In such Surveys, Company or a third party may ask you to provide personal identifiable information including your name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time. Company may also collect such information concerning you from another source and uses that information in combination with information provided from the Websites. Completing the Surveys is completely voluntary, and you are under no obligation to provide Survey Information to Company or a third party.
1.3. Third Party Information : Company may collect information from you when you provide information to a third party and Company subsequently acquires or uses the information provided by the third party. Such information may include, but is not limited to, your name, email address, street address, 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, and such other information as the you may have provided to the third party. When acquiring this information, Company seeks assurances from the third party that you agreed to provide and have such information acquired by Company. If you did not give express permission, or you would like to remove your permission, you may suppress all of your information by using our convenient unsubscribe link. We may combine personal information we collect from you with other information about you that we receive from third party sources, such as to ensure our loan matching application records are accurate.
1.4. Other Methods of Collecting Personal Information : Other occasions when Company obtains information from you include (1) your claiming a prize or seeking to redeem an offer by Company or by a third party, (2) your requests for assistance through Company’s customer service department, and (3) when you voluntarily subscribe to a Company service or newsletter.
1.5. Cookies, Web Beacons, and Other Info Collected Using Technology : Company currently uses cookie and web beacon technology to associate certain Internet-related information about you with information about you in its database. Additionally, Company may use other new and evolving sources of information in the future.
(b) Web Beacons : A web beacon is a programming code that can be used to display an image on a web page, but can also be used to transfer your unique user identification to a database and associate you with previously acquired information about an individual in a database. This allows Company to track certain websites you visit. Web beacons are used to track online behavioral habits for marketing purposes to determine products or services you may be interested in. In addition to using web beacons on web pages, Company also uses web beacons in email messages sent to individuals listed in Company’s database.
(c) IP Addresses : Company automatically tracks certain information based upon your behavior on the site. 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 (whether this URL is on the site or not), which URL you next go to (whether this URL is on the site or not), your computer browser information, and your IP address. 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, collecting 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, however, reveal what geographic area you are connecting from, or which ISP you are using. Finally, other websites you visit have IP addresses, and we may collect the IP addresses of those websites and their pages.
(e) Data Analysis : Data Analysis technology may be employed from time to time if used by a Client of Company.
(f) New Technology : The use of technology on the Internet, including cookies and web beacons, is rapidly developing. As a result, Company strongly encourages individuals to revisit this policy for any updates regarding its use of new technology.
1.6. No Information Collected from Children : Company will never knowingly collect any personal information about children under the age of 18. If Company obtains actual knowledge that it has collected personal information about a child under the age of 18, that information will be immediately deleted from its database. Because it does not collect such information, Company has no such information to use or to disclose to third parties. Company has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).
1.7. Bank Information : Company may, in certain instances, collect banking numbers and related information when an individual places an order from Company. When banking information is submitted to Company, such information is encrypted and is protected with SSL encryption software. Company will use banking information for purposes of processing and completing the requested transaction, and the information will be disclosed to third parties only as necessary to complete the purchase transaction.