Online Privacy Policy

Personally Identifiable Information We Collect Online

We may collect PersonallyIdentifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:

• Information You Provide

We may collect the following Personally Identifiable Information that you voluntarily provide to us:

• Get a Quote. If you click on the “Apply Now” link for one of our financial products, such as a loan, we will collect your first and last name, email address, and telephone number. We will also collect other information such as your estimated credit range and your anticipated purpose for the loan.
• Apply for a Loan. If after receiving a quote you proceed to apply for a loan, we will collect additional information to get you prequalified, including your social security number and postal address.
• Email. If you send us an email, we will collect your email address and any other Personally Identifiable Information you choose to provide in your email.

• Information as you Navigate our Site

We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:

• Usage Information. We collect information, such as which of the pages on the Site you access, the frequency of access, and what you click on while on the Site.
• Device Information. We collect information about the device your are using, such as hardware model, operating system, application version number, and browser.
• Mobile Device Information. In addition to the Device Information listed above, when you access our Site via a browser on your mobile device, we collect and aggregate information about whether you are accessing the Site via a mobile device or tablet, device type, and carrier.
• Location Information. We collect location information from Site visitors on a city-regional basis.

• Third Party Information

In some cases, we may receive certain Personally Identifiable Information from you about a third party. For example, as part of our application process, you may provide the information of a third party. If you submit and Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy.

How We Use Your Personally Identifiable Information

We use the Personally Identifiable Information we collect to provide the Services to you, improve our Site and Services, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:

• Provide our Services to you, including verifying your eligibility for our products;
• Update you on the processing of your loan;
• Communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
• Provide support;
• Maintain and improve our Site and Services;
• Defend our legal rights and the rights of others;
• Efficiently maintain our business; and
• Comply with applicable law.

How We Share Your Personally Identifiable Information

We may share the information that we collect about you in the following ways:

• With service providers who perform data and Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.) and with service providers who will verify your eligibility for your products. Any such service providers will be under an obligation to us to maintain the confidentiality of your Personally Identifiable Information;
• To the extent that we are required to do so by law;
• In connection with any legal proceedings or prospective legal proceedings;
• To establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention;
• To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that Personally Identifiable Information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Personally Identifiable Information;
• To any other person or entity as part of any business or asset sale; and
• To any other person or entity where you consent to disclosure.

How We Use Cookies

Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively “Cookies”). “Cookies” are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphone or tablets).

We use Cookies to:

• Log if you visit the Site because you clicked on a link on a different website;
• Estimate audience size and usage patterns; and
• Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future.

We set some Cookies ourselves and others are set by other entities. We use cookies set by other entities to provide us with useful information to help us improve our Site and Services.

How You Can Opt-Out of Cookies

• Browser Settings

Cookies can be blocked by changing your internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.

You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.AllAboutCookies.org

• Advertising Industry Resources

You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.

Please note that these opt-out mechanics are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, and whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. the information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

Google reCAPTCHA

We use Google reCAPTCHA, a free service provided by Google, Inc. to protect our Site from spam and abuse. Google reCAPTCHA uses advanced risk analysis techniques to decipher humans from bots. Google reCAPTCHA works differently depending on what version is deployed. For example, you may be asked to check a box indicating that you are not a robot or Google reCAPTCHA may detect abusive traffic without user interaction. Google reCAPTCHA works by transmitting certain types of informaction to Google, such as the referrer URL, IP address, visitor behavior, operating system information, browser and length of the visit, cookies, and mouse movements. Your use of Google reCAPTCHA is subject to Google’s Privacy Policy and Terms of Use. More information as to Google reCAPTCHA and how it works is available here.

“Do Not Track” Signals

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

How to Contact Us

To contact us for questions or concerns about our privacy policies or practices please contact us at: