PRIVACY POLICY
ChoicePersonalLoans.com ("Company," "we" or "us") reserves the right to revise this Privacy Policy at any time simply by posting such revision, so we encourage you to review it periodically. In order to track any changes to this Privacy Policy, we will include a historical reference at the top of this document.

This Privacy Policy will tell you, among other things:

* Your California privacy rights.
* How we collect information and what information we collect.
* How we may use information.
* How we may share information.
* Your choices regarding the sharing of information.


ACKNOWLEDGEMENT/YOUR AGREEMENT

Company websites are not intended for use by individuals under the age of 18 or those who are not legal residents of the United States. By using our website or submitting information to us, you consent to the Company's use and sharing of the information collected or submitted as described in this Privacy Policy. If you are not 18 years of age or older and a valid resident of the United States or you do not agree with the terms of this Privacy Policy, do not provide us with any information or use any of the products or services offered or provided on Company websites or through Company technology.

HOW DO WE COLLECT INFORMATION AND WHAT INFORMATION DO WE COLLECT?

We collect and combine personally identifiable information ("PII") and non-personally identifiable information ("Non-PII") through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to name, address, telephone number, or e-mail address. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.

Website Registration Forms

We collect information about you when you register on one of our websites. This registration information may include, but is not limited to your:

* e-mail address
* full name
* mailing address
* telephone number
* date of birth
* gender


Automatic Information/Digital Identifiers

We may automatically receive and store certain types of information about you through the data sources listed above.

You may be familiar with the term "cookies," which are unique alphanumeric identifiers that store information on your computer. A cookie is placed on your computer when your web browser accesses our website. We use cookies for tracking transactions and the user characteristics explained in detail throughout this Privacy Policy. If you choose, there are utilities available for purchase from independent software providers to install on your computer as well as tools/preferences you can choose through most web browsers to make website visits anonymous. Of course, cookies let you have a more satisfying website experience, so we recommend that you leave them turned on.

We also collect information through our web server applications. This information includes your Internet Protocol or "IP" address, date/time stamp, browser type, and referring URL.

Additionally, we may use pixel tracking technology to track the completion of transactions with us or our advertisers, the source information for those transactions, and your IP address, date/time stamp, browser type, and referring URL.

WHAT HAPPENS IF I HIT A LINK TO ANOTHER SITE FROM A COMPANY WEBSITE?

Our websites may offer links to other websites. Other websites have their own terms of use and privacy and security policies. If you choose to visit one of these sites, you should review the policies that govern that particular site.

APPLICATION OF THIS PRIVACY POLICY

This Privacy Policy applies to all information collected by or submitted to the Company. Other affiliated entities of the Company may obtain information independently from transactions and experiences with you or from other sources. This Privacy Policy does not pertain to that information.

WHAT IS THE POLICY WITH RESPECT TO COMMUNICATING WITH CHILDREN?

We recognize the unique privacy concerns regarding children. We are committed to carefully protecting privacy where children are involved no matter the point of contact. In particular, our intention is to fully comply with the Children's Online Privacy Protection Act ("COPPA"). Per COPPA guidelines, we do not knowingly collect PII from children under the age of 13. If a parent or guardian is made aware that a child under the age of 13 has provided us with PII through any point of contact, please contact us and we will delete the information about the child referenced from our files.

SECURITY

There is no such thing as complete security on the Internet or otherwise. The Company uses various security techniques on our websites to help protect against the loss, misuse or modification of information we've collected from you. When you access your personal information or transmit information to us, that information is stored on servers that we have taken steps to protect from unauthorized access or intrusion. While we strive to protect your information, the Company cannot ensure or warrant the security of any information you transmit to us. You acknowledge and assume this risk when communicating with the Company, its partners and affiliates.

LIMITATION OF LIABILITY

You agree that your use of this site and services are at work at your own risk. We shall no responsibility for any interactions with lenders maintained as a result of the service. The site and service, along with any material, programs, data, information, and content are provided on an 'as available' basis and all warranties, express and implied are disclaimed, (including, without limitation, the disclaimer of any warranties of merchantability, non-infringement of intellectual property and/or fitness for a particular purpose). The site, services, programs, data, and/or third parties underlying sites and services may contain bugs, errors, problems or other limitations. We have no liability whatsoever to you or any third party for your use of or inability to use the site, services, materials, offers, programs, data and/or underlying products or services and we disclaim any and all warranties, expressed or implied, that your use of same will be uninterrupted, error-free, secure, reliable, or that any of the programs will be available to you.

The above repudiation of damages is a fundamental element of bargain between the parties, including you and Company. You agree and accept that the site and service would not be provided without the terms and limitations above. Company makes no representation or warranty with respect to any results obtainable through the site, services, materials, offers, data and/or programs. No advice or information, oral or written, obtained from Company, its affiliates or partners, through the site, services, offers, data, and/or programs shall create any warranty, representation, and/or guarantee not expressly stated in the agreement. The above exclusion(s) may not apply to you, as some jurisdictions do not allow the exclusion of limitation of incidental or consequential damages. In such jurisdictions, Company and/or it affiliates and partners liability is limited to the smallest amount permissible by law. This section will survive the failure of any exclusive warranty.

You understand and agree that any dispute over privacy is subject to the terms and conditions of this privacy policy, as well as the terms and conditions of this website (including limitations on damages). You agree that the company's liability for any breach of this privacy policy shall be limited to the value of the transactions or services provided to you by the company to the extent such claim is not otherwise barred by our terms and conditions.

Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying. By submitting this Application, you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. You also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. You authorize us to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party source(s). We may utilize Check Loan Verification or other similar consumer-reporting agency for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan.

 



 

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