PRIVACY POLICY STATEMENT
|
We Value Your Privacy
|
|
The word "You" or "Your" means you as a consumer, customer, or former customer
of our loan products or a user of this site. "We", "Our" or "Us" means
The Loan Depo "Our Site" means "TheLoanDepo.com".
|
|
We recognize the importance of building trusting relationships with our customers.
We believe that building trust begins with protecting the information of our
customers. It is our responsibility to keep safe your personal and financial
information.
|
|
You provide important information about yourself to a variety of businesses and
organizations. The same is true when you do business with us. You're asked to
provide us with certain personal information that helps us give you better service
and complete your transaction more effectively.
|
|
We work to safeguard the information that you entrust to us. We developed the
following policies to ensure your confidentiality and maintain your confidence in us.
This Privacy Policy Statement explains our views and how they may pertain to you as a
user of our website. For that reason, we ask that you please read it carefully.
|
|
WHAT INFORMATION DO WE COLLECT?:
|
|
We automatically collect and/or track the following non-public personal information:
|
-
IP address which we use to help diagnose problems with our server, administer
our site and provide services to you.
-
Information, user specific or aggregate, on what pages our visitors access.
-
Information we receive from you on applications or other forms, such as
your name, address, phone number, social security number, assets, income,
banking institutions and employers.
-
Information about your transactions with us that occur via the Internet,
fax, phone or mail such as your payment history and loan balance.
-
Information we receive from credit reporting agencies or other national
databases, such as your payment record with other short term loan lenders
and your check payment history.
-
Information obtained when verifying the information you provide on an
application or other forms, such as current or past employers, or from other
institutions where you conduct financial transactions.
|
|
USE OF PERSONAL INFORMATION
|
|
All information transmitted or otherwise submitted to us via this website shall
be deemed to be the property of The Loan Depo and we shall be free to
use such information for any lawful purpose as described herein.
|
|
Visitors to our site are not required to provide personal information in order to
view or browse our site. Those who provide us with their name, address, phone number
or e-mail address may be contacted for various reasons, such as an answer to an inquiry,
occasional special offers or other business related matter. We view and analyze visitor
activity to better understand the functionality and preferred sections of our site.
We use this information to improve the content and navigation of our site. If you choose
to provide personal information, it will be used for the following purposes:
|
-
To consider you for a short term loan, and
-
For marketing products and services which we determine in our sole judgment
that you may find of interest.
|
|
We use your personal, demographic and profile data to enhance your experience at
our site and to enable us to provide you with information we think you might be
interested in and may not otherwise have known about. We use your contact information
to send you information about our company and promotional material from our partners.
We may also use your personal, demographic and profile data to improve our site,
for statistical analysis, for marketing and promotional purposes, and for editorial
or feedback purposes for our advertisers. Information collected by us may be added
to our databases and used for future e-mails or postal mailings regarding site updates
and new products and services.
|
|
DISCLOSURE OF DATA TO THIRD PARTIES
|
|
We have a number of companies within our family that work together to bring you
services and products that may benefit you. The law allows us to share certain
non-public personal information about our current and former customers with our
family of companies such as your name, address and telephone number; transactional
information and loan account experience. By sharing this information we can better
understand your needs and as a result, we can send you notification of products and
services that you might not otherwise be aware of.
|
|
We reserve the right to share, rent, sell, or otherwise disclose data we collect to
third parties not within our family of companies. We will only disclose to them the
minimum information necessary, such as name, address and telephone number, to provide
their service. Any third party we share, rent, sell or otherwise disclose data to will
be carefully 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.
|
|
We may share non-public personal information with a variety of businesses which
perform marketing services on our behalf, or with other companies with whom we
have joint marketing agreements. We will include confidentiality and data protection
provisions in the contracts we make with these business partners.
|
|
In order to conduct our business we may also share your personal information with
companies as permitted or required by law. This disclosure typically includes
information to process transactions on your behalf, conduct the operation of our
company, following your instructions as you authorize, or to protect the security
of our financial records. These companies include credit reporting agencies,
national databases and companies that provide services related to your account.
We may also disclose your personal information to government entities in response
to subpoenas.
|
|
Although we may disclose all of the information we collect and retain, its use will
be limited to what we reasonably believe is appropriate and necessary to carry on
our business and to provide the quality of service you expect and deserve.
|
|
OPTING OUT OF INFORMATION SHARING
|
|
If you prefer that we not disclose non-public personal information to companies
outside of our family (other than as permitted by law), you may opt out by
contacting us, or by clicking on the link below (PRIVACY OPT-OUT) and entering
your e-mail address twice. Additionally, each e-mail message we send you will
clearly state how you may remove your name from the e-mail list.
|
|
Please note that choosing to opt out of this information sharing may limit
opportunities for you to receive product and service information that may interest you,
and may limit our ability to provide you with fast and efficient service.
|
|
We will stop sharing your information as soon as reasonably practicable after we
receive your request. New customers can sign the opt out notice at the time your
application is processed. We will honor your request immediately. When you end your
customer relationship with us, or when we end our customer relationship with you,
we will treat the information we have about you as if you were still our customer.
|
|
Exceptions to Your Opt-Out Rights |
|
Despite your opt out rights described above, by law we may share your personal
information without offering you the opportunity to opt-out in the following
circumstances:
|
-
To effect, administer or enforce a transaction.
-
If the transaction, service, or product is requested or authorized by the
customer.
-
To maintain or service a customer’s account as part of another loan extension
program.
-
For disclosures required in the ordinary course of business, such as the
settlement of claims or benefits, the confirmation of information to the
consumer or the consumer’s agent, and the billing, processing, or clearing of
items in the normal course of business.
-
To the extent permissible under the Right to Financial Privacy Act.
-
To a consumer reporting agency under the Fair Credit Report Act (FCRA).
Our Policies regarding FCRA are outlined below.
-
To comply with Federal, State or local laws, rules and other applicable legal
requirements.
|
|
Please note that you will not be able to opt out with regard to the collection and
disclosure of aggregate information. Such information does not include anything
personally identifiable, however, and simply reflects statistical analysis of various
aspects of site usage.
|
|
OUR SECURITY PROCEDURES
|
|
We protect customer privacy by ensuring that only employees who need to know that
information in order to provide, process or service a short term loan for you.
|
|
We maintain physical, electronic and procedural safeguards that comply with Federal
regulations to guard your non-public, personal information. We use Secure Socket
Layer (SSL) technology to prevent unauthorized parties from viewing any personal
information you transmit to us. We continually assess new technology for protecting
information. We continually strive to ensure that our operational and data processing
systems are in a secure environment that protects your account information from being
accessed by unauthorized parties.
|
|
ACCURACY OF YOUR ACCOUNT INFORMATION
|
|
We have established procedures to ensure that your financial information is accurate,
current and complete, in keeping with reasonable industry standards. We continually
strive to maintain complete and accurate information about you and your accounts.
Should you ever believe that our records contain inaccurate or incomplete information
about you, please notify us. We will investigate your concerns and correct any
information we determine to be inaccurate.
|
|
FAIR CREDIT REPORTING ACT DISCLOSURE
|
|
The Fair Credit Reporting Act sets standards that regulate the use of consumer
reports. This Act permits us to share with our affiliates and non-affiliates
information regarding transactions and experiences. While it also permits
(with opt-out provisions) the sharing of information we obtain from third parties
(credit reports for example), it is the policy of The Loan Depo not
to do so except where allowed by regulation or law.
|
|
If you have opted-out of the sharing agreements with companies outside of the
"The Loan Depo" family of companies referred to in this Privacy Policy, there is no
need to do so for the purposes of the Fair Credit Reporting Act.
|
|
FORMER CUSTOMERS
|
|
Even if you are no longer a customer, our Privacy Policy Statement will continue to
apply to you.
|
|
CHILDREN
|
|
We do not specifically intend to collect information from children (under 18 years old).
|
|
RETENTION TIME
|
|
Once you have provided personal information to "The Loan Depo"
we will store and
maintain the information you have volunteered for so long as you have not directed
us otherwise. Our retention of this data allows us to continue providing you with
personalized services and appropriate products without interruption.
|
|
OUR RIGHT TO CHANGE
|
|
Since offerings and technologies change, we reserve the right to change or remove
portions of our Privacy Policy at any time without prior notification. If the changes
are substantial, such as adding a category of information that we will disclose to a
third party, we will notify existing customers and give them an appropriate time
period to opt out of the disclosure.
|
|
WHO DO YOU CONTACT WITH QUESTIONS?
|
|
If you have any questions or concerns relating to this Privacy Policy, you should
call us toll free at (800) 979-1824 or
contact us at: info@TheLoanDepo.com.
|
|
SPECIAL NOTICE FOR VERMONT RESIDENTS.
|
|
In order to comply with Vermont law, we will automatically treat accounts with
Vermont mailing addresses as if you have made the opt-out choice described above.
In addition, if we disclose information about you to other financial institutions
with which we have joint marketing agreements, we will only disclose your name,
contact information and information about your transactions.
|