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At Debt Loan Companies, your privacy is of our utmost concern. We are committed to earning the trust and confidence of our Web Site users and want to provide you with a safe and secure user experience. Debt Loan Companies Privacy Policy is designed to provide you with the knowledge you need to control your personally identifiable information and to demonstrate our firm commitment to your privacy. Please read this entire policy to understand how your personally identifiable information is treated when using our Web site. By using Debt Loan Companies Web site, you affirmatively consent to the use of your personally identifiable information in the manner specified in this Privacy Policy.
TABLE OF CONTENTS:
1. Users, Lenders, and DebtLoanCompanies.com
2. Purpose
3. What Information We Collect
4. How Your Information Is Used and Whom It is Shared With
5. Your Access And Control Over Your Information
6. Changes to the Privacy Policy
8. How to Contact Us
1. USERS, LENDERS & Debt Loan Companies
Any reference in this Privacy Policy to:
- " User " " you " and " your " means any natural person visiting, and/or subscribing to the services offered on, the Debt Loan Companies Web site acting primarily in a personal capacity and for purposes other than resale.
- " Lenders " means any lending and/or loan service provider participating in the Debt Loan Companies Web site.
- " Debt Loan Companies " means the Debt Loan Companies Web sites, or DebtLoanCompanies.com
2. PURPOSE
One of the basic principles of Debt Loan Companies is that we ask only for the personally identifiable information we need to provide and customize the services you request on our Web site, such as to solicit matching quotes from participating Financial Services and Lenders, or other services such as moving companies or Mortgage Companies, to fulfill your financial or related needs, and to provide you with an enhanced loan experience. Personally identifiable information is any information that can be used to determine the identity of a User, such as the User's name, address, telephone number, e-mail address, and loan address. The information collected in these areas will be used only and specifically for the purpose it was given to us.
3. WHAT INFORMATION WE COLLECT
Submitting Quote Requests and Registration by Users: When you submit a request for a quote, we ask you to provide information by filing out and submitting an online form. This information includes contact information such as your name, telephone number, and
e-mail address, and specific lending information such as your current place of residence, amount of your loan and basic information relating to your credit history. The more information you submit, the better we can match you with a Lending Institution.
Merchants Seeking to Join the Network: We provide information for lending institutions, and content and other service providers in the lending and loan industry who want to join the Debt Loan Companies network. If you would like to become an affiliate, we ask you to provide information by filling out and submitting an online application form. This information includes your name, your company's name, address, e-mail address, telephone and fax number, and Web site address.
User Feedback: If a User wishes to provide us with feedback about our Web site and/or services related to our Web site, we request your name and e-mail address.
Aggregate Information: Debt Loan Companies collects aggregate, non-personal information about its users, such as IP addresses, browser types, and usage of the Web site and related services. This information is not used to personally identify any individual users.
Cookies: Debt Loan Companies collects and uses information about Users through the use of cookies solely for the purpose of maintaining an uninterrupted user experience while logged in as a Debt Loan Companies member or shopping for lending supplies ("per-session cookies "). Cookies, in general, are small pieces of information that a Web site transfers to the individual User's browse. The per-session cookies used on the Debt Loan Companies Web site are stored only for the duration of the User's visit to our Web site and are deleted from the browser's cache when the User closes the browser. The use of such cookies makes the browsing of our Web site more convenient for Users. For example, a Debt Loan Companies member does not need to resubmit information each time the User accesses another section of our Web site. Cookies can be disabled by changing your browser setting. However, some parts of Debt Loan Companies will not function properly or will be considerably slower if you refuse cookies. For example, without cookies, you will not be able to take full advantage of our member shopping section.
Information from Children: Debt Loan Companies does not direct its Web site at children under thirteen (13) years of age. Individuals under eighteen (18) years of age should consult with their parent or guardian about the use of this site for their benefit.
4. HOW YOUR INFORMATION IS USED AND WITH WHOM IT IS SHARED
Lenders At the User's direction (when clicking "finish and send quote request") the information provided by the User in the online form for quote requests is sent to participating Lenders. In order to increase competition between Lenders and to provide you with a multitude of quotes and an enhanced loan experience, we occasionally allow participating Lenders to share or disclose your quote request or contact information with their affiliates and other service providers in the lending and loan industry. Matching loan service providers may then contact you directly via e-mail, telephone, or facsimile. If you prefer not to be contacted by telephone, you may choose only to provide us with your fax number. Each of the participating lenders has expressly consented by individual agreement with Debt Loan Companies not to share or disclose your contact and lending information with third parties without Debt Loan Companies permission or other than as necessary to fulfill their service obligations and to collect the associated costs and expenses. If Debt Loan Companies provides participating lenders with the permission to share or disclose your contact and lending information with their affiliates or other service providers in the lending and loan industry, we obligate participating lenders to ensure that their affiliates and other service providers adhere to Debt Loan Companies privacy policy. However, please note that each of the participating lenders, their affiliates and other service providers in the lending and loan industry has its own policy in regard to the collection and use of personally identifiable information, which is far beyond the control of Debt Loan Companies. Additionally, it is often impossible for us to ascertain the source of a violation of our privacy policy by lenders. You specifically acknowledge that Debt Loan Companies is not responsible or liable for the lenders or other third parties use of your personally identifiable information.
Debt Loan Companies Sales Personnel : If you filled out an online application form on our Web site in order to join the Debt Loan Companies network, your information will be submitted to the Debt Loan Companies sales department. A sales executive will then contact you directly via telephone, e-mail, or facsimile. Users may be contacted by Debt Loan Companies personnel in the event that a data submission by the User is incoherent or corrupt, or to request the name of the retained lender.
Advertisers and Marketing Companies : We may share aggregate information about our Web site with advertisers and marketing companies for general marketing and demographic purposes. Such information does not include any personally identifiable information. In addition, this Web site may provide advertisements to its users. By clicking on an ad, you may be linked to a third party web site that is beyond the control of Debt Loan Companies and that may have different privacy policies than Debt Loan Companies.
Companies and Individuals Acting on Debt Loan Companies Behalf : We employ other companies and individuals to perform functions or contract obligations on our behalf, e.g., a credit card processing company, and packing and/or shipping companies for the fulfillment of product orders. These companies and individuals have access to your personally identifiable information only to the extent necessary to perform their function, and do not retain, share, store, or use personally identifiable information except for the purpose of providing these services. However, Debt Loan Companies does not have control over these other companies and individuals and you specifically acknowledge that Debt Loan Companies is not responsible or liable for their use of your information.
Business Partners and Co-Sponsored Retailers or Service Providers: On our Web site we work closely with other retailers and service and content providers in the lending and loan industry with whom we may share aggregate information. Such information does not include any personally identifiable information.
User Feedback: Users may be contacted by Debt Loan Companies personnel for the purpose of following up on User Feedback. Further, by submitting User Feedback it is agreed and understood that such submission, including your name, e-mail address, and feedback message, is public for all purposes. Debt Loan Companies reserves the right to use, reproduce, and make available to the public your abbreviated name and feedback message for marketing and advertising purposes. Your e-mail address will not be published, unless you authorize Debt Loan Companies to do so when submitting the User Feedback message.
Duration of Storage on Our Database: Debt Loan Companies stores and retains your contact and lending information, solely for the purposes of record-keeping, internal auditing, and analysis.
Compliance with Law and Enforcement of Terms of Service: In cases where required by law or court order, Debt Loan Companies may be forced to release personally identifiable information of Users to permit investigation of credit card fraud, illegal use of the Internet, or other cases of misconduct. In addition, we may also share or disclose personally identifiable information if necessary to enforce or apply the Terms of Service, or to protect the rights and property of Debt Loan Companies.
Other Third Parties: Other than described above, Debt Loan Companies will not share or disclose your personally identifiable information with third parties, unless we have given you the opportunity to choose not to have your information shared with said third parties ("opt out"), and you have not exercised that opportunity.
Change of Ownership or Control : In the event that Debt Loan Companies becomes owned or controlled by other individuals or entities, or sells all or substantially all of the Debt Loan Companies Web site, the information that we have collected and retained may be transferred to such party or parties. In this case, such individuals or entities will be obligated to follow this Privacy Policy in the place of Debt Loan Companies current owners.
Business Transitions
In the event Debt Loan Companies goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred. Users will be notified via [email] [prominent notice on our Web site for 30 days] prior to a change of ownership or control of their personal information. If as a result of the business transition, the users’ personally identifiable information will be used in a manner different from that stated at the time of collection they will be given choice consistent with our notification of changes section.
Other Web Sites: This Privacy Policy only addresses Debt Loan Companies information gathering practices. To the extent that you disclose personally identifiable information to other Web sites, you are subject to the other Web sites' privacy policies. We strongly encourage you to review a third party Web site's privacy policy before you disclose your personally identifiable information.
5.YOUR ACCESS AND CONTROL OVER YOUR INFORMATION
Choice: Debt Loan Companies respects your decisions about the collection and use of your information. During the process of submitting a quote request, you may choose not to have your phone number revealed to the lenders, but only to be contacted via e-mail and/or facsimile.
In this event, we will not provide your telephone number to lenders. If you do not wish participating lenders to share or disclose your quote request or personally identifiable information with their affiliates and other service providers in the lending and loan industry, please contact us via mail, e-mail or phone and we will deny participating lenders permission to do so.
6. CHANGES TO THE PRIVACY POLICY
We reserve the right to modify, update, or change this Privacy Policy from time to time. When material changes are made that affect how the information that you provided to us is used, we will notify you by e-mail, post a notice on our home page, or alert you to changes by similar means. For your convenience and information, the date of the last update to this Privacy Policy is listed at the top of this document.
If, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their account, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our Web site notifying users of the change. In some cases where we post a notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.
7. HOW TO CONTACT US
Debt Loan Companies welcomes your questions and comments about privacy. You can contact us
e-mail at Support@DebtLoanCompanies.com
mail at:
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