Privacy Policy
This Privacy Policy replaces any prior privacy policies that have been given to you or displayed on the PersonalLoansHere.net website, as well as any transaction agreements or other documents that have been previously provided to you. If there are any conflicts between this Privacy Policy and any other policy provided by PersonalLoansHere.net, the terms of this Privacy Policy will prevail unless revised. This Privacy Policy is effective as of July 2023.
PersonalLoansHere.net is a website owned and operated by PersonalLoansHere.net.
ACKNOWLEDGEMENT AND AGREEMENT
The services provided by PersonalLoansHere.net are intended for individuals who are legal residents of the United States and are 18 years of age or older. We kindly ask you to carefully review the terms outlined in our Privacy Policy. By accessing and using the PersonalLoansHere.net website and engaging in any of the PersonalLoansHere.net Services, you indicate your acceptance of the terms stated in this Privacy Policy. If you do not agree to these terms or if you are under 18 years of age and not a valid resident of the United States, please refrain from using the PersonalLoansHere.net website or participating in the PersonalLoansHere.net Services.
TRUSTe PRIVACY SEAL PROGRAM
PersonalLoansHere.net is proud to participate in the TRUSTe Privacy Seal Program, an independent organization dedicated to promoting privacy and trust on the internet. As a member of TRUSTe, PersonalLoansHere.net is committed to upholding your privacy rights. We openly disclose our information practices and undergo regular monitoring by TRUSTe's team of privacy experts to ensure compliance. If you have any questions or concerns regarding our Privacy Policy, we encourage you to first reach out to our support team. In the event that your concerns are not adequately addressed, you can contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php . TRUSTe will act as an intermediary between you and PersonalLoansHere.net to help resolve any issues.
NOTIFICATION OF CHANGES TO OUR PRIVACY PRACTICES
PersonalLoansHere.net may periodically update this Privacy Policy to ensure alignment with our information practices. We retain the right to modify this Privacy Policy at any time. In the event of any significant changes to our information practices, we will make appropriate revisions to this Policy. We encourage you to regularly review this Policy whenever you visit our website or utilize any services provided by PersonalLoansHere.net. By continuing to use the website, you indicate your acceptance of the terms outlined in the updated Privacy Policy.
PERSONALLY IDENTIFIABLE INFORMATION
We gather and merge personal information, known as Personally Identifiable Information (PII), as well as non-personally identifiable information (Non-PII) from various sources. PII encompasses data collected with the intention of identifying, contacting, or locating an individual. Examples of PII include social security number, full name, address, email address, phone number, and employment details. Additionally, we may acquire information from third parties, such as credit reports and demographic data. It is important to note that we do not access a customer's credit bureau report without their consent. Conversely, Non-PII refers to data that does not specifically identify or locate an individual, such as ZIP code, gender, age, and IP address.
ABOUT US
This Privacy Policy is provided on behalf of PersonalLoansHere.net ("we" or "our"), operating the website. Our primary service is a prospective customer database (the "Service"), which gathers and organizes contact information from individual consumers who express interest in applying for business products or services and have consented to be contacted by business representatives. We employ third-party vendors, affiliates, and various advertising methods to promote our Site and expand our database, including the purchase of consumer data from third parties who have completed applications on websites other than our own. Furthermore, we advertise third-party services through referrals and pay-per-click advertisements that may redirect you to external websites. By using the PersonalLoansHere.net website, you consent to the use of your Personally Identifiable Information (PII) and non-personally identifiable information (Non-PII) for these purposes.
We collect and store your information to facilitate communication, process your requests, and provide information about financial services that may be of interest to you through our newsletter. The examples outlined in this Privacy Policy are not exhaustive and serve as illustrations.
GLB Act
To comply with the Gramm-Leach-Bliley Act (GLB Act), this Privacy Policy serves as both your initial customer relationship and annual "Privacy Notice" as defined by the GLB Act. If you wish to opt-out of the disclosure of your personal information to third parties for marketing purposes, please visit PersonalLoansHere.net, enter your email address, click the submit button, and confirm your entry.
PATRIOT Act
Under Section 326 of the USA PATRIOT ACT, financial institutions are required to obtain, verify, and record information to identify each person opening or modifying an account. This federal requirement applies to both new and existing customers. While PersonalLoansHere.net is not a financial institution, the lenders we work with are. Therefore, when you provide information to PersonalLoansHere.net, we will request your name, physical address, mailing address, date of birth, and other necessary details to verify your identity. This information will be shared with the lender you are connected with through PersonalLoansHere.net.
TELEPHONE CONSUMER PROTECTION ACT
By submitting your loan request, you are granting explicit written consent in accordance with the Telephone Consumer Protection Act. This consent allows each lender, their affiliates, and service providers to contact you by telephone using the numbers you have provided, even if your phone number is registered on any Do-Not-Call registry. You consent to receiving telemarketing calls or SMS text messages that may use an automatic telephone dialing system or prerecorded voice. Please note that consent is not mandatory to purchase goods and services from us or the lenders who may contact you.
OPT-OUT / OPT-IN
At PersonalLoansHere, we, along with our affiliate(s) and/or third parties, may also offer and promote various product and service offerings through e-mail, SMS-text messages, or telephone to individuals who have specifically requested to be contacted. This can be done through the opt-in process on our website's online forms or through opt-in processes on third-party vendor or affiliate sites ("List Members"). List Members will continue to receive emails, SMS-text messages, or telephone contacts as long as they desire to receive such communications.
We understand that preferences can change, and List Members have the option to easily opt-out and be removed from our contact lists. To stop receiving future communications and to no longer receive our services, you can visit our website, PersonalLoansHere, or contact us at the email address provided below. However, please be aware that certain activities on our site may have limited participation if personally identifiable information is not provided. When we receive an opt-out request, we promptly add the associated email addresses and phone numbers to our internal Do-Not-Contact registry within ten (10) days. If we do not receive any communication from you, it will be assumed that you consent to receiving communications from us, as well as from our third-party vendors and affiliates.
In the event that a List Member chooses to be removed from our contact list, if applicable, we will also forward the request to the specific third-party vendor or affiliate who initially provided the List Member's information to us. This ensures that the List Member's contact details are included in the third-party's Do-Not-Contact registry as well. It's important to note that if your information was commercially acquired from a third-party vendor or affiliate, PersonalLoansHere may not be the sole recipient of your information. Moreover, additional third-party vendors or affiliates may have obtained your contact information from other sources, resulting in continued contact from those companies. Please understand that PersonalLoansHere cannot be held responsible for preventing all unwanted contact from sources beyond our immediate control. We are fully committed to complying with the CAN-SPAM Act to maintain a high standard of email communications.
MINORS
At PersonalLoansHere, we are committed to protecting the privacy of individuals, especially children. We do not intentionally collect any information from individuals under the age of 18. Our services and website are not intended for use by individuals under the age of 18, and we do not use any information provided by children for marketing or promotional purposes.
If a parent or guardian becomes aware that a child under the age of 18 has provided us with personally identifying information through any means of contact, we kindly request that you contact us at the email address provided below. We will take immediate action to delete the information about the child from our files to ensure their privacy is protected.
GENERAL INFORMATION COLLECTION AND USE
At PersonalLoansHere.net, we gather customer information through our website from prospective and existing customers. We utilize this contact information to provide updates about our company and cater to the needs of our existing accounts. You have the option to opt-out of receiving future mailings by referring to the Opt-Out/Opt-In section of our Privacy Policy. The contact and financial information collected is used to verify your personal details, such as your name, address, and more. While not all information on our site is mandatory to fill out, certain data is required for using our site effectively. This includes essential details like your Social Security number, first and last name, address, Zip Code, and more. We may also obtain information from third parties, such as credit reports and demographic information, to enhance our services. Rest assured, we do not access credit bureau reports without your explicit permission.
Please note that PersonalLoansHere.net automatically collects information about your computer hardware and software for traffic-analysis purposes. This includes your IP address, browser type, domain names, access times, and referring website addresses. Such information aids us in maintaining and improving the quality of our service while generating statistical insights about the usage of our website. It's important to mention that we do not utilize third-party databases to modify or update the information you provide us with.
COOKIES
A cookie is a small piece of data stored on the user's computer that contains information about the user. The use of cookies on our site does not link to any personally identifiable information. If a user chooses to reject the cookie, they can still navigate our site; however, certain features may be inaccessible without cookies. Cookies also allow us to track and target user interests to enhance the overall site experience. All cookies served on our domain, whether session or persistent, are associated with the Personally Identifiable Information provided by the user.
Please note that some of our business partners may use cookies on our site, such as advertisers. Once these cookies are set on our site, we want to clarify that we have no access to or control over them. They operate independently, and we cannot manage or alter their functionalities.
LINKS
PersonalLoansHere.net provides links to third-party websites on its site. Please note that PersonalLoansHere.net is not responsible for the privacy practices of these other sites. We encourage our users to exercise caution when they leave our site and to review the privacy statements of each website that collects personally identifiable information. This privacy statement applies exclusively to the information collected by PersonalLoansHere.net, even in cases where we may frame another site with our own. Occasionally, we may collaborate with third-party vendors and affiliates to offer certain services. At the point of collection, it will be clearly indicated who is collecting the information and which privacy statement applies. For instance, we may co-brand with insurance brokers, credit reporting agencies, and automotive companies, among others.
SECURITY
To safeguard your personal information from unauthorized access, use, or disclosure, we employ a range of security technologies and protocols. For instance, the personal information you provide is stored on computer systems located in secure facilities with restricted access. When transmitting highly sensitive information over the Internet, we employ encryption methods such as the Secure Socket Layer (SSL) protocol to ensure its protection. These measures are implemented to uphold the confidentiality and integrity of your personal data.
DISCLOSURE
While we strive to protect the privacy of your communications and personally identifiable information, it is important to note that we cannot guarantee absolute security. There may be circumstances where we are compelled to disclose information to the government or third parties as required by law, or where unauthorized interception or access to transmissions or private communications occurs.
Additionally, if you choose to opt-out of future contact from PersonalLoansHere.net through the provided opt-out mechanism in our emails, we may share your email address with the relevant third-party service provider to include you in their own Do-Not-Contact list.
As PersonalLoansHere.net continues to grow, we may engage in acquisitions or sales of businesses or assets. Customer information, including any visitor information collected through the Site, may be one of the assets transferred in such transactions. For further details, please refer to the "Notification of Changes" section of this Privacy Policy.
Finally, in certain exceptional cases, we reserve the right to disclose member information if we have reasonable grounds to believe that such disclosure is necessary to identify, contact, or take legal action against individuals who may be causing harm or interference to PersonalLoansHere.net's rights, property, visitors, members, or any other individuals who may be affected. We may also disclose visitor or member information when required by law or when we believe in good faith that it is necessary to comply with a legal process, court order, or to protect our rights.
HOW WE SHARE DATA WITH AFFILIATES
When you submit a request for information or a quote, you are granting permission to be contacted not only by PersonalLoansHere.net but also by affiliated third parties. We may share the contact and loan request data you provide on the quote request form, as well as your PersonalLoansHere.net account number, with affiliated companies. These affiliated companies may include banks, commercial lenders, and licensed loan brokers. The purpose of sharing this information is to fulfill your information requests, provide you with excellent service, inform you about relevant product and service opportunities, and for other legitimate business purposes.
The types of affiliated companies we may disclose your information to include financial service providers such as mortgage and life insurance agencies, title service companies, debt and credit services companies, and auto-finance companies. An "affiliate company" refers to a company that is under a legal contract with PersonalLoansHere.net to provide services or is a company owned, wholly or partially, by PersonalLoansHere.net.
HOW WE SHARE DATA WITH CO-BRANDED PARTNERS
Some of the services offered on our website are provided in partnership with contracted partners, and these offerings are co-branded. When you select a co-branded product or service, you will be informed about it on the quote request form before submitting your request. In such cases, your Personally Identifiable Information will be directly shared with the co-branded provider's website, and they will be responsible for handling your data.
To facilitate identification and tracking, your contact information, including your name, address, phone number, and email address, will be shared with PersonalLoansHere.net. We may use this personal information to provide the services you have requested, including customized content and advertising. Please note that standard messaging rates from your provider will apply to our confirmation and any subsequent SMS correspondence. If you wish to opt-out and remove your SMS information, you can do so by sending "STOP," "END," or "QUIT" in response to the SMS text message you received. When you choose to remove your SMS information from our database, we want to assure you that it will no longer be utilized for secondary purposes, shared with third parties, or employed by us or any third parties to send you promotional messages. Your decision to opt-out will effectively cease any future use of your SMS information for such activities.