You must be at least 18 years old to use our Sites. We do not knowingly collect, use or disclose Personal Information about visitors under 18 years of age. If you are the parent or guardian of a minor under 18 years of age and believe that such minor has disclosed Personal Information to us, please contact us at [email protected] so that we may delete the minor’s information from our database.
1.0 How we collect information
1.1 User IP Address
Each time a user visits the Site, our web server automatically recognizes the user’s IP address and the Web page from which the User came. The User’s IP address is used to help identify the User and to gather broad demographic information about the User. We also use IP addresses collected to help diagnose problems with our servers, to administer the Sites, and to better serve users in using the services and features of the Sites.
1.2 Cookies and Action Tags
The first time a user provides an e-mail address in connection with their activities at a Site, we assign an identification number to that e-mail address and deploy a cookie to the user’s PC. Whenever that user comes back to a Site using the same PC, the cookie allows the Site to identify the user and to recall the user’s e-mail address. If, at any time, a user provides other information in connection with their activities on a Site (such as name, address, birth date, gender, etc.), we may store that information, along with the users e-mail address, in our user database. We may use the information stored in our database (i) for the purpose for which the information was originally provided by a user; (ii) to pre-populate information fields in the event a user wishes to sign up for and/or subscribe to services, promotions or offers in the future; (iii) to ensure that a user will not be repeatedly exposed to the same ads, offers and promotions while visiting Sites; and (iv) to, in connection with regular communication with a user, include offers, promotions or advertisements historically, or likely to be, of interest to that user.
Action Tags, Web Beacons and other Data Collection Methods: An action tag or a web-beacon (also known as a clear gif or a pixel tag) is a method used to track responses or actions by visitors who view certain advertisements or other information on a site. Action tags are 1×1 pixel images embedded in a website page that are used to transparently collect information. We may use action tags to count the number of times that visitors click on a particular banner ad or visit the pages of our Sites and to provide information about what products are viewed or purchased.
1.3 Personal Information
2.0 How We Use Personal Information
Information collected may be transmitted to our approved advertising and marketing partners, our affiliated companies, or certain other approved third parties interested in providing users with information or services that you may request or for other marketing and promotional purposes. Requested information or information regarding site updates, new products and services, upcoming events and/or status of any requests or orders may be provided to users by e-mail, postal mail, telephone SMS text-messaging or by any other means of contact that users may provide. We may also use Personal Information for customer service, to provide information that a user may request, to customize a user’s experience on a Site, and to contact a user when necessary in connection with transactions entered into by that user on a Site. We may also use personal information for internal business purposes, such as analyzing and managing our business. We may also combine the information we have gathered about users with information from other sources. We may use third parties to help us operate our business and the Sites or administer activities on our behalf.
By entering your SSN into the website, users consent to allow us to share their SSN with certain approved outside service providers for evaluation of user’s applications and provision of loan services.
By providing a telephone number users agree and specifically thereby request that we, our partners, associates and/or certain approved third parties may contact you via such telephone number whether or not such number may be included in any State, Federal or other Do Not Call Registry.
We and/or our marketing partners and affiliated companies enhance and/or merge Personal Information about users with data collected from other sources to use in direct and/or online marketing.
You may, at any time, notify us that you do not wish to have your Personal Information disclosed to third parties for offers and promotions by sending an e-mail to [email protected]
3.0 How We Use Demographic Information
We use demographic information to tailor Sites to the interests of our users. Demographic information is shared with advertisers so that they can tailor their advertisements to the appropriate audience. Demographic information may also be shared with other third parties.
4.0 Other Sites
5.0 Our Security Precautions
The Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. We encrypt all of your personal and financial information and use our best efforts to prevent it from being read or intercepted as the information travels over the Internet. While we are committed to protecting your information, we cannot ensure or warrant the security of any information you transmit to us.
6.0 Removal of Your Information/Opting Out
We provide users the option to opt-out from receiving information sent via electronic mailings on behalf of third party advertisers. Users may unsubscribe from receiving e-mails at any time by following the instructions contained at the end of every e-mailing. Unsubscribe requests can only be processed if you have registered with us in the first instance. If you have not registered with us and wish to opt out of receiving e-mails from a particular sender, please consult that sender’s opt out policies or contact that sender directly.
Information sent on behalf of third party advertisers is prepared several days in advance, so users may continue to receive e-mail from us for up to 5 days after following the unsubscribe procedures detailed above. If after that point a user is still receiving email from us, the user should contact us at [email protected]
7.0 Limitation of Damages
IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF A SITE OR FOR THE UNAUTHORIZED MODIFICATION OF TEXT OR ADVERTISEMENTS PROVIDED BY US TO OUR MARKETING PARTNERS OR THIRD PARTIES.
DISCLAIMER – THE SERVICE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS EXPLAINED IN SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE OR AS MAY BE PROVIDED IN RESPONSE TO YOUR INQUIRY IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. USER ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY – UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE THE MATERIALS IN THIS SITE OR ANY INFORMATION PROVIDED TO YOU IN RESPONSE TO YOUR INQUIRY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
9.0 Contacting us about privacy questions or concerns