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Effective Date: January 21, 2017
Personally and Non-Personally Identifiable Information
SS number and banking information are used only to provide You with the searching and matching service and never shared with any third party marketers and other third parties unless the opposite is determined by the law or required according to special orders from the authorized parties (including but not limited national security issues or alike).
Apart from PII, we collect Your non-personally identifiable information (NPII) available upon Your using the Website regardless of submitting any personal information on the Website. NPII includes but is not limited to the user’s behavioral data, such as Internet Protocol (IP) data, browser details, geo position, user’s operating system, the pages of referral and exiting, date and time details, Internet service provider details etc. The NPII we collect from You can be transmitted to the third parties we contract with unless You exploit the means to hide Your NPII or express Your request to stop using Your NPII directly.
The Use of Your PII
Your PII can be shared with governmental entities, disclosed completely or partially upon request from any authority or authorized organization if such disclosure is lawful and considered necessary for these reasons:
- it is ordered or required to comply with the legal processes;
- it is obligatory to protect the property of the owner of the Website or its affiliates and in no way contradicts applicable laws;
- it is necessary to prevent crime and/or protect national security;
- it is necessary to protect personal or public safety.
In case of merging, acquisition, consolidation or purchase of the owning company and its assets, it is possible that Your PII may be transferred and, thus, disclosed to the receiving party on the course of the stated actions. According to the court’s decision on insolvency proceeding, if it takes place, in case of liquidation of the owning company, the liquidating party or the authorized representatives of the company can transfer, sell, dispose or license Your PII within the provisions stated by this court’s decision. In this case, it is possible that the owners of the PII shared on the Website will be notified of the forthcoming procedures and modifications upfront or the notification will be published openly on the Website. It is possible that acquisition, merging and other stated modifications are associated with a non-US company.
Third Party Marketing
It is possible that Your PII can partially (excluding such sensitive information as SS number and banking and financial data) be shared for the marketing purposes with some of third party marketers, lenders and advertisers, we contract with. In this case, the receiving parties, as third part marketers, may use this information and share it with other third party marketers who may initiate marketing activity towards You in the way of presenting You the products You have expressed Your interest previously while submitting Your information. In case You decide to opt out from receiving such marketing messages and/or offers, You can easily unsubscribe and eliminate Your information from the lists compiled by these third party marketers to send You messages simply by using an unsubscribe option (option button or link) in the respective message. The means for marketing activity include but are not limited to direct mail, short messages, online banner ads, telemarketing calls, emails etc.). Apart from that, Your information can be used to track Your online activity and collect Your online behavioral and searching information. This activity is usually performed to improve the quality of the services presented to You online and adjust marketing activity to Your requirements and needs.
By continuous use of the Website and attempt to use the services presented on the Website, You expressly agree that You have read and understand the provisions of the legal documents, which control the use of Your information on the Website, and the terms of collecting, storing, sharing and using of You PII and the way Your shared PII can be used by third party lenders and third party marketers.
In order to discontinue contacting with us and receiving more information from Us, You need to close this and all other Website pages. If You have already shared Your personal information with us and want to opt out from further communication and remove Your information from our lists and database, You can contact us directly with respective request using this email address [email protected] or other contact information indicated on this Website. Your request will be processed and the information removed from our database. As soon as Your information is removed from out database, You can be sure it will not be shared with any third party, used for any secondary purposes, or used for marketing activities. Still, since the information has already been shared with third party marketers, we cannot take any responsibility for the communication sent to You by these third parties. You should contact third party marketers directly to remove Your information from their databases.
Credit Implication of the Use of PII
The information shared with our third party lenders can be used to verify Your identity (via SS number and/or driving license number, for example) and Your information against national databases. Additionally, the lenders we contract with may need to perform credit verification and use Your PII to request a credit report from one or more credit organizations, including but not limited to the major credit bureaus, to determine Your credibility and assess the risks associated with providing credit products to You. Credit report request may lower Your credit score. If You continue using the Website and submit Your information via the online form on the Website, You give Your express consent to have Your information verified and Your credibility checked according to the provisions of these third party lenders’ legal documents used to govern and regulate their practices and communication with You.
Email and Telemarketing
Your PII can be used for direct and indirect communication, including but not limited to telemarketing calls, assistance calls and credit product and service offers via the telephone number You have provided in the online form. Either we or third party lenders and marketers can use this number even though it is listed in any corporate, state, or federal Do-Not-Contact registry, suppression lists or the like. Since Your submitting of the information via online form is determined as an attempt to make a purchase or receive a service, the processing and application of Your request is performed according to the provisions of Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). According to ATSR, even if Your telephone number is listed in FTC Do-Not-Call List, we are authorized to contact You upon Your given consent using telemarketing. Since Your inquiry to third party marketers and request for the service on the Website are also considered as a an attempt to make a purchase, according to ATSR these third party marketers are also authorized to contact You using telemarketing.
The Means to Collect Non-Personally Identifiable Information
Inquiries and Complaints
The users of the Website are within their rights to modify, amend and withdraw their PII collected on the Website. In case it is necessary, the user who decides to make changes to their own information should contact us via email [email protected] or other contact details stated on the Website and provide inquiry regarding the modifications to be made. Similarly, if any user of the Website has any complaint regarding the operation on the Website and/or any of its service, this user should use the stated contact details and provide the details of complaint. We will review all requests and complaints in the shortest time possible and reply as soon as we can.