Through your use of eLoanBroker.net services and the eLoanBroker.net Website, eLoanBroker.net collects both "Personally Identifiable Information" and "Non-Personally Identifiable Information", which are defined below.
Collection of Your Personally Identifiable and Non-Personally Identifiable Information
We also collect "Non-Personally Identifiable Information", which is information that cannot be associated with a particular individual. The types of Non-Personally Identifiable Information that we collect include:
- The IP address of the computer through which you access our services online
- The browser type and language that you use
- Information about areas of our Internet site that you visit
- Information about the link or links that you may have used to visit our site
This Non-Personally Identifiable Information may be collected automatically and directly through our use of "cookies" or through our use of third party tracking software. A "cookie" is a small text file that is placed on your hard disk by a web page server. Cookies help provide additional functionality to the eLoanBroker.net Website or help eLoanBroker.Net analyze usage of its site more accurately. In all cases when cookies are used we will not collect information that directly identifies you.
You have the ability to accept or decline cookies. Most Web Browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies, or receive a warning before a cookie is stored on your computer's hard drive. If you choose to decline cookies, you may not be able to fully experience the interactive features of the eLoanBroker.net Website.
Use of Personally Identifiable Information
By submitting your personal information on the Site, you agree that we may share such personal information (including the Sensitive Information) with Third Party Providers in order to complete your request for Loan Products and Information from such Third Party Providers, and that they may use such personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to any Third Party Providers shall be governed by the applicable Third Party Providers privacy policies. Please be advised that eLoanBroker.net does not itself provide Loan Products and Information, or any other related products and/or services. The ultimate terms and conditions of any Loan Products and Information provided by any Third Party Providers will be determined by those Third Party Providers.
We may sell, rent, lease or otherwise provide the personal information (other than the Sensitive Information) that you supply to us to or with any third party and we may work with other businesses to bring selected retail opportunities to our users. These businesses and third parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); (d) SMS text-based marketers (where permitted by applicable law); and (e) direct marketers.
We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from user lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our users. personal information as needed to perform their functions for us but we do not permit them to use your personal information for other purposes.
We will also use your personal information for customer service, to provide you with information that you may request, to customize your experience on the Site and/or to contact you when necessary in connection with transactions entered into by you on the Site. We may also use your personal information for internal business purposes, such as analyzing and managing our business. We may also combine the information we have gathered about you with information from other sources. We may use third parties to help us operate our business and the Site or to administer activities on our behalf.
By registering at the Site, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule, as amended from time to time (the Rule.) and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission.s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.
Detailed Wireless Policy: If you opt-in to receive any eLoanBroker.net text messages in connection with your transaction with us, you are providing consent to use personal information to provide the services you have requested, including those that display customized content and advertising. Your provider's standard messaging rates apply to our SMS (Short Message Service) messages. You may opt-out and remove your SMS approval for additional messages by sending "STOP", "END", "CANCEL", "UNSUBSCRIBE", "REMOVE", "QUIT" or "STOPALL" to the SMS text message you have received. If you remove your SMS information from our database, your number will no longer be used for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Data obtained from you in connection with this SMS service may include your name, address, cellphone number, your providers name, the date and time, and content of your messages. We will not be liable for any delays in the receipt of any SMS messages, delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.
Responses to Legal Requests for Your Personally Identifiable Information
eLoanBroker.net is interested in protecting its customers and the community at large. To this end, eLoanBroker.net will release Personally Identifiable Information to legal authorities when eLoanBroker.net believes that it is appropriate to do so and in order for eLoanBroker.net to comply with its legal obligations.
eLoanBroker.net will release your Personally Identifiable Information to third parties in compliance with a court order, search warrant and/or subpoena or other similar investigative demand, as well as on request from a law enforcement or other government agency.
eLoanBroker.net will release your Personally Identifiable Information in order to establish or exercise eLoanBroker.net's legal rights, and in order to defend against any legal claims. eLoanBroker.net will also disclose your Personally Identifiable Information if eLoanBroker.net believes that such disclosure is necessary to investigate, prevent, or take action regarding illegal activity, such as suspected fraud or wrongdoing, and in order to protect and safeguard the legal rights of eLoanBroker.net, its employees, its customers and its third party business partners.
California Residents Privacy Rights Notice
If you are a California Resident, eLoanBroker.net will, upon your written request to the address provided below, provide you with 1) a description of the categories of Personally Identifiable Information eLoanBroker.net shares with third parties or corporate affiliates for those third parties, and 2) a list of third parties and their affiliates to whom Personally Identifiable Information was shared, along with their names and addresses. In your request, please specify that you want a "California Privacy Rights Notice". eLoanBroker.net will provide you with its response to your request within thirty (30) days of the receipt of your request.
If you are a California resident, then by providing eLoanBroker.net with your Social Security Number as part of your loan application, you are deemed to consent to the use of their Social Security Number with third party service providers for the evaluation of your loan application.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to your Personally Identifiable Information that we have collected about you through your use of the eLoanBroker.net Website and services, please contact us in writing at the address listed below.
eLoanBroker.net does not knowingly collect the Personally Identifiable Information of anyone under the age of eighteen (18). If eLoanBroker.net discovers that it has collected Personally Identifiable Information from anyone under that age, it will immediately delete that information.
Security of Personally Identifiable Information
To prevent unauthorized access, maintain data security and ensure the correct use of Personally Identifiable Information that you provide to eLoanBroker.net, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and prevent unauthorized access to the information that we collect from you. For example, only authorized eLoanBroker.net employees and authorized third parties are permitted to access your Personally Identifiable Information. As well, eLoanBroker.net has put in place encryption in order to protect Personally Identifiable Information that you provide to eLoanBroker.net online.
Third Party Websites
The Site may provide and/or refer you to links to other Internet websites and/or resources including, but not limited to, websites operated by Third Party Providers. Because eLoanBroker.net has no control over such third party websites and/or resources, you hereby acknowledge and agree that eLoanBroker.net is not responsible for the availability of such third party websites and/or resources. Furthermore, eLoanBroker.net does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom.
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