Important Information Regarding Your Rights to Privacy
Effective Date: 5/30/2023
Last Revised: 5/30/2023
This privacy notice explains the various categories of Personal Information Online Title Loans (“us,” “our,” “we,” or “Company”) may maintain, gather, use, or disclose as part of our interactions with you across our websites and mobile applications (“Platforms”). This notice also outlines the safeguards we have in place to keep such information safe and the circumstances in which we could share it with other businesses.
Information that directly or indirectly identifies refers to, characterizes, is reasonably capable of being associated with, or might reasonably be linked to a particular consumer or household is referred to in this notice as “Personal Information”.
This statement applies to all visitors and customers, past and present (“you” or “Customers”). Connecting you with lenders and loan servicers (collectively, “Lenders”) will enable you to find financial services and products that interest you.
We may work with businesses that gather your questions and pass them on to us. We may also share your information with businesses that help you connect with other financial products and services (collectively, “Partners”). Our Partners are businesses that gather online inquiries from people and send those inquiries to us so that we may match those inquiries to the financial goods and services that people are looking for.
No one under 18 may provide us with personal information, and we do not knowingly collect personal information from kids under 18. Children under the age of 18 should not use our platforms. We will delete the information if a child under 18 has provided us with personal information without parental authorization. If you believe we might have the personal information of a child under 18 on file, please let us know.
Personal Information We Maintain or Collect
Most of our data on you comes from you or a Partner when you call or use the internet to look for a financial product. We might gather the following personally identifiable data about you:
|Illustrations and References
|Your name, contact info (phone, email, and mailing address), and location. Directly from you and our Partners, we gather this information.
|When you fill out a form or request more information about financial goods or services, you and our Partners directly provide us with this information.
|Income and asset information, including your home and automobile. When you fill out a form or seek more information about financial goods or services, we collect this information directly from you and our Partners.
|Information on Employment
|Your earnings, salary, and employer. When you fill out a form or inquire further about financial goods or services, you and our Partners voluntarily provide us with this information.
|Your age and birth date. When you fill out a form or seek more information about financial goods or services, we collect this information directly from you and our Partners.
|Information in the Form of Audio
|Audio recordings of your talks with representatives of the Company or a Partner in connection with your request for financial products.
|We collect information on the products in which you are or may be interested, including information submitted into financial product applications sent to us by you, our Partners, or our marketing partners. We also collect information on your financial product purchases, such as the product type and the Lender.
|Internet Use or Some Equivalent Network Activity
|We collect information depending on your web-based interactions with the Platforms. This may include the website you visited before and after, the time of your browsing session, the pages you viewed on our website, your device ID, and your IP address. We get this information automatically from you by using cookies and other online tracking technologies.
We keep the Personal mentioned above Information for as long as it is reasonably necessary to accomplish the business goals for which it was received. Our major purpose is to link you with lenders and help you sell financial products and services.
Reasons to Collect Your Personal Details
We gather and share Personal Information to identify and verify your identity, enable the provision of financial products and services, evaluate your requests for such products and services, connect you with lenders, and assist with managing your financial product. Additionally, we collect and disclose your Personal Information for the following purposes:
Operating, maintaining, improving, and safeguarding our platforms, which includes handling your requests.
Communicating with you about your inquiries, our platforms, and financial products or services that may interest you. This includes customizing these communications based on your potential interests and contacting you regarding this notice or our platforms.
Developing new features, products, or services involves analyzing our existing platforms, products, or services.
Meeting legal obligations and safeguarding, evaluating, or asserting the company’s rights, assets, or safety.
Disclosing Personal Information
We may share some or all of the Personal Information mentioned above in the following ways:
- With lenders, such as banks and other lending institutions, to connect you with the products or services you have requested or that may interest you. We receive payments from these lenders and partners for our services in facilitating the connection between you and them.
- With our affiliated companies to support our day-to-day operations.
- With partners who can match you with products or services, you have requested or that may interest you, and to monitor the delivery of those services to you.
- As required or permitted by law, we may share information about your loan with credit reporting agencies, government agencies, law enforcement, or other parties, either as part of a legal process or to assist in a government investigation or law enforcement action.
- We may share information with our attorneys, consultants, or similar advisors to assess or protect our legal or business interests.
- We may share information with service providers who assist us in operating, improving, maintaining, and protecting our services and platforms. This includes third-party data analytics providers who may collect Personal Information about you over time and across different websites, applications, and devices for targeted advertising purposes.
- In the event of a merger, reorganization, asset transfer, bankruptcy, or a similar business transaction, all or part of our company or assets, including your Personal Information, may be transferred to a third party.
Security Procedures and Information Protection
To ensure the protection of your information and maintain its security, we have implemented the following measures:
- Limited Access: Only our employees or affiliates who require access to your Personal Information to provide services to you or manage your accounts have permission to do so.
- Safeguards: We have established physical, electronic, and procedural safeguards in compliance with applicable federal and state regulations. These safeguards are designed to protect your Personal Information from unauthorized access. For instance, we utilize Secure Sockets Layer (SSL) technology, which employs encryption methods, to prevent unauthorized parties from viewing the Personal Information transmitted to or from our platforms.
It is important to note that our platforms may contain links to third-party websites that are not under our control. We recommend reviewing the privacy notices of any external sites before sharing any personally identifiable information with them.
If your browser is set to accept cookies, any cookies sent to your browser will be stored on your computer for a certain period. There are different types of cookies. A “session” cookie is stored in your computer’s memory and lasts only for your current browsing session. It disappears when you close all your browser windows or shut down your computer.
On the other hand, a “permanent” cookie is stored on your computer’s hard drive until a specified date, which could be tomorrow, next week, or even 10 years from now. Permanent cookies remain on your computer until they expire, are replaced by newer cookies, or you manually delete them.
We use permanent cookies to provide visitors with a personalized experience. We also use session cookies to customize your experience during a single browsing session, assist with your navigation and use of our platforms, and collect general statistics about the platforms and similar purposes.
Cookies from Third-Party Marketers AdRoll and Others
We can target adverts to you thanks to AdRoll, a third-party remarketing provider. AdRoll cookies track your online actions over time and across various websites and platforms, as do similar tracking tools from other data analytics companies, social media companies, or advertising networks. We use these technologies for marketing and advertising to better understand your future interests and cater our content or offers to you.
By visiting the NAI website opt-out page at http://www.networkadvertising.org/choices/, the DAA opt-out page at http://www.aboutads.info/, or the EDAA opt-out page for EU users at http://youronlinechoices.eu/, you can choose not to receive targeted advertisements from AdRoll.
Depending on where you live, you can also have greater rights to this tracking technology. To learn more about these rights, kindly refer to the section below.
Personal Information Rights
You can limit how we disclose your Personal Information by completing and returning the email-provided opt-out notification, subject to any legal constraints.
You can also opt out of receiving future marketing or promotional communications from us by completing the following form or following the instructions included with any such messaging. Furthermore, depending on where you live (including California, Virginia, Colorado, Connecticut, Nevada, and Utah), you may be entitled to exercise the following personal information rights:
Right to Access and Obtain a Copy
If you inquire, we will confirm whether we are handling your data and, if necessary, provide you with a copy of all the personal data to which you have a right, along with some other information. You can request details regarding the categories of third parties and individuals with whom we disclose your personal information.
Right to Amend
If you believe your personal information needs to be corrected or completed, you may request that we change or rectify it. We will also tell you with whom we shared your personal information so you can contact them directly, if possible and lawful.
Right to Delete
You can request that we erase or remove your personal information. In compliance with the law, we shall inform everyone with whom we have disclosed your personal information of its deletion.
Right to Restrict Processing
In certain situations, such as when we treat Personal Information deemed “sensitive” under relevant state legislation in particular contexts or participate in automated decision-making, you may ask us to restrict or stop the processing of your Personal Information.
Right to Opt-Out of Targeted Advertising
Targeted advertising presents personalized advertisements based on your Personal Information gathered from multiple firms, websites, applications, or services. With due respect, you have the right to request that we discontinue utilizing this method.
Right to Opt-Out of Sales
You can ask us not to sell your personal information if you like. Some jurisdictions may view targeted advertising as a “sale” of personal data.
Right to Non-discrimination
We won’t treat you differently if you exercise these rights, although we may charge a fair fee, for example, if you repeatedly request copies of your personal information.
Use the details in “Contact Information” to contact us if you or your designated agent wants to exercise any of the rights listed above. Before responding to your request, we need more details from you to confirm your identity or clarify your specific need. We will react to your request as soon as it is practical and legal. To fulfill your request, we will work with third parties as necessary.
You can dispute the decision with us if we reject your request for information. Please contact us using the information provided at the bottom of this notice if you want to appeal a previous determination. If you want us to find your earlier request, please add the phrase “Appeal” to your request along with any other details. If you are unhappy with the outcome of the appeal, you could also be allowed to speak with the attorney general of your state.
Your Rights and Choices as a California Resident
Within the past year, we have collected the types of Personal Information described above and shared it with third parties for the purposes mentioned in the “Sharing of Personal Information” and “Why We Collect Personal Information” sections. This information falls into various categories under the California Consumer Privacy Act (“CCPA”), including:
- Categories of Personal Information as defined in section 1798.80(e) of the California Civil Code
- Commercial information
- Audio, electronic, or visual information
- Internet or electronic network activity information
- Professional or employment-related information
We participate in targeted advertising and receive compensation from Lenders and Partners for our services in connecting you with them. Under the CCPA, these activities may be classified as “sales” or “sharing” of Personal Information. Consequently, within the past year, we may have “sold” or “shared” the categories of your Personal Information above with third-party data analytics providers, marketing/advertising networks, and Lenders and Partners.
Amendments to Our Policy
Get in Touch
If you have any questions about our information practices or wish to exercise any of the rights or options outlined in this notice, please get in touch with us at (844) 303-2860.
You can also visit us at 6547 N. Academy Blvd., Suite 1002, Colorado Springs, CO 80918.
Or you email us at firstname.lastname@example.org.