Effective Date: 10/01/2018
This Privacy Policy covers un86d.org, its subsidiaries, and any of its
websites (“Websites”). This Privacy Policy is designed to tell you about our
practices regarding collection, use, and disclosure of information that you may
provide via this Website and certain related services. Please be sure to read
this entire Privacy Policy before using, or submitting information, to this
Website.
This Website is not intended for anyone under the age of eighteen (18) or
persons residing outside of the United States. By accessing the Website on any
computer, mobile phone, tablet, or other device (collectively, “Device”), you
agree to the terms of this Privacy Policy. If you do not agree to the Policy,
please do not use the Website.
We may modify this Privacy Policy at any time. If we decide to change this
Privacy Policy, we will post those changes on our Website. We encourage you to
periodically review our Privacy Policy to stay informed about how we are using
the information we collect.
Collection of Information
The main purpose of our Website is helping you to find a loan from prospective
lenders participating in our direct network of loan lenders (“participating
lenders”).
Personal Information
We collect personal information from you when you provide it to us, including
by providing information to us to find you a loan, or when you contact us. This
information may include, for example, name, date of birth, telephone number,
mailing and home address, zip code, email address, social security number, bank
account information, financial information, employment information, and
driver’s license number and state of issuance.
Non-Personal Information
When you visit the Website, we may collect certain non-personal information
from you, including your Internet Protocol (IP) address, the date and time of
your visit, browser type, operating system, the specific web pages visited
during your connection, and the domain name from which you accessed the
Website. In addition, we may collect information about your browsing behavior,
such as the date and time you visit the Website, the areas or pages of the
Website that you visit, the amount of time you spend viewing the Website, the
number of times you return to the Website and other clickstream data. We may
also use non-personal information for statistical analysis, research, and other
purposes.
Like many commercial websites, we analyze how visitors use our Site through
what is known as “cookie” technology. A cookie is a small text file that is
placed on your computer when you access the Site and allows us to recognize you
each time you visit the Site. We may use cookies to: (1) enhance or personalize
your Website usage; (2) monitor Website usage; (3) manage the Website; and (4)
improve the Website and our services. If you choose, you can set your browser
to reject cookies or you can manually delete individual or all of the cookies
on your computer by following your browser’s help file directions. However, if
your browser is set to reject cookies or you manually delete cookies, you may
have some trouble accessing and using some of the pages and features that are
currently on our Website, or that we may put on our Website in the future.
We may also use web beacons on the Website, in our emails and in our
advertisements on other websites. Web beacons are tiny graphic images that are
used to collect information about your Site visit, such as the pages you view
and the features you use, as well as information about whether you open and/or
act upon one of our emails or advertisements. We may also collect the URL of
the website you visited immediately before coming to the Website. Web beacons
help us analyze our Website visitors’ behavior and measure the effectiveness of
the Website and our advertising. We may work with service providers that help
us track, collect and analyze this information.
We may combine the non-personal information we collect, such as through cookies
and web beacons, with other information we have collected from you.
Use of Information
We may use the information we collect from and about you for any of the
following purposes: (1) to fulfill your request for solicitation purposes and
match you with a participating lender; (2) to respond to your inquiries; (3) to
review Website usage and operations; (4) to address problems with the Website,
our business or our services; (5) to protect the security or integrity of the
Site and our business; (6) to monitor the Site for compliance with our Terms of
Use and the law; (7) to enforce our contracts with you; (8) to remarket your information
to third parties, with your consent where legally required and in accordance
with all applicable laws and regulations; and (9) to contact you with Website
updates, newsletters and other informational and promotional materials from us
and offers from participating lenders, as well as from other companies.
If you do not wish to receive communications from us about offers and
promotions, you can opt-out of receiving these communications by emailing us
at [email protected] or
by following the instructions in the messages you receive.
Disclosure of Information
We may disclose information collected from and about you as follows: (1) to
facilitate your request by sharing your personal information to participating
lenders so that they may contact you regarding a loan; (2) our related
companies and service providers, to perform a business, professional or
technical support function for us; (3)with consumer reporting and related
agencies; (4) as necessary if we believe that there has been a violation of the
Website Terms of Use or of our rights or the rights of any third party; (5) to
respond to legal process (such as a search warrant, subpoena or court order)
and provide information to law enforcement agencies or in connection with an
investigation on matters related to public safety, as permitted by law, or
otherwise as required by law; and (6) in the event that our company or
substantially all of its assets are acquired, your personal information may be
one of the transferred assets. We may also disclose your personal information
with your express consent. We may share aggregate, non-personal information
about Website users with third parties.
Additionally, we may share your personally identifiable information (excluding
your social security number, bank account information, or other financial
information) with third party marketers and other service providers (including
advertisers) with whom we have an ongoing business relationship.
Credit Implications of Providing Your Personal Information
Our participating third party lenders may verify, without limitation, your
social security number and driver’s license number, or any other qualifying
identification and review your information against national databases to
determine credit worthiness, standing and/or capacity. Please note that
multiple inquiries on the three national databases (Equifax, Transunion and
Experian) may result in a lowered credit score. By submitting your information
you agree to allow third party providers to verify your information and check
your credit as described in their policies and terms.
Security
We take reasonable and appropriate security precautions to secure the personal
information that you choose to provide against the loss, misuse, alteration, or
unauthorized access of such information. Unfortunately, no transmission of data
over the Internet is guaranteed to be completely secure. While we strive to
protect your personal information, we cannot ensure or warrant the security or
confidentiality of any personal information you transmit to us.
Interest Based Advertising
We may partner with ad networks and other ad serving providers (“Advertising
Providers”) who serve ads on behalf of us and others on non-affiliated sites.
Some of those ads may be personalized, meaning that they are intended to be
relevant to you based on information Advertising Providers collect about your
visits to this site and elsewhere over time. Our Advertising Providers use
cookies to personalize advertisements that you may see on other websites.
Because an industry-standard Do-Not-Track protocol has not yet been
established, we will not change your browsing experience based on any “Do Not
Track” signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and www.aboutads.info to
learn more about this type of advertising and how to opt-out of this form of
advertising by companies participating in the Digital Advertising Alliance
(“DAA”) self-regulatory program. Note that electing to opt-out will not stop
advertising from appearing in your browser or applications. It may make the ads
you see less relevant to your interests. In addition, note that if you use a
different browser or erase cookies from your browser, you may need to renew
your opt-out choice. As each browser is different, please check the help
section of your browser for instructions on how to remove cookies and learn
about other privacy and security settings that may be available.
Children
We do not direct the Website to, nor do we knowingly collect any personal
information from, children under the age of thirteen.
Third Party Websites
The Website may contain links to third-party websites, including those for
participating lenders, which may have privacy policies that differ from our
own. Additionally, third party vendors (including Google) may display
advertisements for this site and our services. We are not responsible for, nor
do we endorse, any of the activities and practices that take place on these
sites. Accordingly, we recommend that you review the privacy policy posted on
any external site before disclosing any personal information. Please contact
those websites directly if you have any questions about their privacy policies.
Third Party Analytics
This site uses your information, including age, gender, and interests, to
better understand the behavior of our customers while on the Site and inform
our marketing efforts. Third party vendors (such as Google) may use cookies to
serve advertisements to you based on your past visits to the site. You may opt
out of the automated collection of information by third-party advertisers by
changing your Google ads settings and preferences at http://www.google.com/ads/preferences.
You may also learn more about Google’s privacy practices by visiting http://www.google.com/privacypolicy.html.
Your California Privacy Rights
Under California’s “Shine the Light” law, California residents who provide
Personal Information to the Website may request certain information regarding
our disclosure of Personal Data to third parties for their direct marketing
purposes. To make such a request, please contact our consumer support helpline
at (888) 775-0859 FREE, via e-mail at [email protected], or via regular mail at 1125 E.
Broadway #545, Glendale, California 91205.
Contact Us
If we need, or are required, to contact you concerning any event that involves
your information, we may do so by email, telephone, or mail. If you have questions
or concerns about this Privacy Policy, you can contact us by calling (888)
775-0859 FREE. If we need, or are required, to contact you concerning any event
that involves your information, we may do so by email, telephone, or mail.