Read and agree to Terms of Use | Privacy Policy | eConsent | Disclosures before submitting your request.
This website is owned and operated by Loan On Demand (the “Company” or “Loan On Demand”), a leading marketing communications company and related platform developer. This Digital Online Privacy Policy (“Privacy Policy”) is intended to explain to you, the end user, how Loan On Demand handles the collection, use, and distribution of the information we collect and process. This Privacy Policy applies to the Website at https://loanondemand.org and all other Company Websites, mobile Websites, Social Media Accounts, Chat and Messaging systems, email marketing systems, automated telephone dialing systems or mobile applications owned and operated by the Company that link to this Privacy Policy (collectively, the “Services”).
Agreement to this Privacy Policy: By using any of the Company’s Services on any computer, mobile phone, tablet or other device (collectively, “Device”), you expressly agree to the Company’s Terms of Use and this Privacy Policy and consent to the use of your information in the manner described herein. If you do not unconditionally agree with our Terms of Use and all of the provisions of this Privacy Policy, please do not submit any personal information to, or make any other use of, our Services.
Loan On Demand reserves the right to change the provisions of this Privacy Policy at any time and without notice to you. We notify users that changes have been made to our Privacy Policy by updating the date it was last revised. Therefore, Loan On Demand encourages you to review this Privacy Policy whenever you use any of the Company’s Services to stay informed about the Company’s advertising and data collection practices related to information you share with us or that we may obtain from publicly available sources. By continuing to use the Company’s Services after we post any changes, you accept and agree to the modified Privacy Policy.
Information collected by the Company falls into three categories: (1) information actively collected when users voluntarily submit it to us in connection with their use of our Services; (2) information passively collected through the use of our Services; and (3) information collected from other publicly-available sources. This Privacy Policy covers the active collection of information which you directly share with us, any passively collected information compiled as a result of your interaction with our Services, and any publicly available information about you, your interests, and other publicly available demographic data we may obtain and append to the information you provide to us. The methods of data collection to which you are consenting by using our Services are further explained below.
We actively collect and retain certain information you voluntarily directly provide to us through your interaction with our Services, such as when you submit a web form, download a file or document, share information about your financial status, make a purchase, send us an email or sign up to receive updates via text message, email or auto dialed messaging services, connect with us through a social media account, or create an account or profile using an email address and password to access premium Services on one of our websites, mobile websites or mobile apps. We also collect information you provide in other ways, for example, when you post a comment or click to add a reaction or emotion on one of our websites or social media accounts, or by participating in a survey, or by interacting with one or more of our apps offered on social media or one of our websites, or by entering a contest or sweepstake, or by downloading or interacting with a game or by sharing any information with us as part of a promotion.
By interacting with our Services in any manner, you consent for us to use this data, including your social media profile ID and other associated personal or demographic data which you have made publicly available through your interaction with our Services, or which you have made publicly available on your social media accounts, for targeting, segmentation, and data optimization purposes including to send you messages or advertising directly through social media Services through which you have interacted with us, or through email or telephonic services for which you have provided consent for us to communicate with you. The types of information we collect in this way may include your name, username, password, email address, mailing address, land line phone numbers, mobile phone numbers, credit card number and other information you choose to provide to us such as demographic data, or data about your personal financial situation which you may voluntarily share with us.
By interacting with our services, you understand and provide your consent for us to supplement any information you provide to us with information we may obtain from other sources. For example, we may obtain publicly-available information from third-party data sources or marketing partners to verify or append the information you provide to us including, but not limited to, demographic or interest data or other personal data or contact information about you.
When you use our Services, we automatically collect certain Aggregate and Anonymous (“AA”) information about your interaction with our Services and the devices and systems you may use to access the Services. Such information includes, but is not limited to, your Internet Protocol (IP) address, the manufacturer and version of your computer or device, the manufacturer and version of your computer or device operating system, the graphics resolution of your device, your browser type and version, the unique ID number associated with your mobile device, computer or tablet, the address of a referring web site or application, the pages of our websites you interact with and how long you interact with these pages and your activity and other interactions you complete on our Services.
We may also automatically collect information about you and your website browsing behaviors by using “cookies”, tracking pixels, “Clear GIFs” or Graphics Interchange Format Images, and/or web beacons. A website or application cookie is a small data file which is stored on your computer or device hard drive at the request of a website. A web beacon is an invisible graphic image that we may use on our websites, mobile apps, or in emails we send to you to collect information about how you interact with our marketing campaigns and to analyze and measure the performance of these campaigns. Tracking cookies and web beacons help us improve our websites, analyze the performance of our marketing campaigns, and enhance your experience when you interact with our Services. We may also use cookies to associate your visits and other interactions with our Services across any devices you may use to visit our website or interact with our services. At your election, you may wish to block, erase, or be warned about the presence of cookies. To do so, please contact the manufacturer of your website browser to learn about how to opt-out of these advertising and tracking functions.
When you view a video on one of our websites, we may also set a “Flash Cookie” on your computer or mobile device. Deleting or opting out of browser cookies may not affect these Flash Cookies or remove them from your device. You can learn more about Flash Cookies, and how you can disable or delete this type of tracking cookie from your device by visiting Adobe’s website at https://adobe.com/products/flashplayer/security. If you remove or reject cookies or flash cookies, it may affect how certain features work on our websites and mobile apps or disable some functions altogether.
We use third-party analytics tools and services to help us analyze how users interact and engage with our Services. These analytics services may track you in a similar manner, using some or all the passive data collection tools listed above to measure your engagement and interaction with our Services, advertisements, promotions and communications we may send to you.
We also work with third-party marketers, marketing agencies, and advertising companies which may use similar tracking tools like the ones listed in this Privacy Policy and which may include the use of cookies or other technologies to serve ads, track user behavior and engagement, and provide measurement and analytics data about the campaigns they run on our behalf. These third-parties may automatically collect information about your interactions and activities relating to your visits to this website and our other websites, and mobile apps. These third-parties may actively or passively collect information about your interaction with their campaigns and our services such as your IP address, the type and version of the browser you used, the pages you viewed, how much time you spent interacting with our Services, the links you clicked, and conversion information based on actions you took, information you submitted to us, or products, information, or apps you downloaded during your visit.
Any information collected by us or these third-party marketing partners or advertising agencies may be used, among other things, to deliver advertising to you based on your interests or demographic information we may obtain directly from you or from other third-party data providers. We may also use this data from third party marketing partners or advertising agencies to deliver retargeting or remarketing advertisements to you on other websites, mobile apps, affiliate networks and social media networks. We may also use this data from third-party marketing partners or advertising agencies to better understand how you responded to, or interacted with, our advertising campaigns.
Other than alerting you to the possibility of third-party entities using these data collection techniques, this Privacy Policy does not apply to the practices of our marketing partners or advertising agencies, and we are not responsible for the methods and practices used by these entities. If you would like more information about how digital internet advertising works and how you can control your privacy online and opt out of some or all of these practices, please visit the Digital Advertising Alliance’s website at http://www.aboutads.info/consumers.
Certain of our Services may permit you to log in to your account by using your account credentials for third-party social media sites. If you create or log into your account on one of our Services through such a third-party social media site, we will have access to certain information from that site which you provided to the social media network and that the social media site may have collected about you. We may also collect information that you post on any of our pages on these social media sites, track your interactions with our pages or posts through your interactions with the content on these sites and track your actions relating to how you like or share our content located on third-party social media sites, including but not limited to Facebook, Instagram, Twitter, Snap Chat, YouTube and other Google properties and other social media sites. In addition, we may track your activity using a unique pixel for each of our social media networking sites to measure how you interact with our content and advertising on these social media sites.
We use personal information and aggregated and anonymous data we collect when you interact with our Services for various purposes, including to:
By interacting with our services and sharing data with us through our services, you agree and consent that we may collect, process, store, analyze, append and make a copy or backup any data that you provide to us through the use of the Services on any servers, computers, devices, hard drives, flash drives or other storage systems located in the United States of America or any other countries we may so designate.
You agree and consent that we may share information about you in the following ways or under the following circumstances and as otherwise described in this Privacy Policy:
When you share any information posted in comments, including any information you share with individuals through any interactive areas of our services or through our social media networking sites, you understand that this information will be available to other users and, in some case, may be available publicly. Therefore, we recommend caution when posting any personal information on any interactive features of our Service or on our social media networking accounts. If you share personal information in these types of public online forums, we are not responsible for the actions of any third-parties who may access, copy or disseminate such personal information without your knowledge.
Our websites and other interactive Services may make use of certain social media sharing plugins or other social media engagement tools that allow you to share your activity or our content on our websites with others on social media networking sites or on other websites. It is possible that these plugins may transmit certain information, including personally identifiable data about you, even if you are not logged into the plugin provider’s service at the time. To better understand what data may be shared and how you may opt out of such data sharing, please visit the privacy policy page on the website of the plugin manufacturer.
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf.
Individuals who reside in California and have provided their personal information may request information concerning disclosure of this information to third parties for direct marketing purposes. Such requests must be submitted to us at the following mailing address: 6009 West Parker Road , Suite 149 – 415 , Plano, TX 75093.
You may also access or change your personal information at any time; provided, however, that we may reject requests that are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or would be extremely impractical. We may also refuse a request to delete information if maintaining the information is required by law or is part of a fraud investigation, or as otherwise described in this Privacy Policy.
You may access and modify your personal information by contacting us at privacy@loanondemand.com.
How do the Company’s websites handle “Do-Not-Track” signals? We respond to Web browser “do not track” (DNT) signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services.
Do the Company’s websites allow third-party behavioral tracking? As described in other areas of this Privacy Policy, Loan On Demand allows third-party behavioral tracking.
Can other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit one of the Company’s websites? As described in other areas of this Privacy Policy, yes.
In response to California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law, or unless you specifically opt-in and request that we share your information for the purpose you indicate on one of our websites or other Services. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us, unless you specifically request that we share your information or request information on our website that may otherwise be provided by one of our marketing partners, affiliates or associated companies.
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates, unless you provide your consent for us to share your personal information with our marketing partners. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing to privacy@loanondemand.com. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
Phone number: 702-486-3132
E-mail: BCPINFO@ag.state.nv.us
This Digital Online Privacy Policy is intended to cover collection, processing, transmission, dissemination, analysis, copying and appending of information on our Services from residents of the United States. If you visit one of our websites, mobile apps, or interact with one of our other digital services from outside of the United States, please be aware that you are providing consent that your information may be transmitted to, stored, stored, copied, backed up and otherwise processed in the United States where our servers and system databases are located. The data protection, privacy laws and other laws of the United States and other countries which may pertain to your interaction with our Services might not be as comprehensive as those in your country. Therefore, by visiting our websites or otherwise interacting with our Services, you understand that your information may be transferred to our servers and databases which are housed in facilities located in the United States and which may be shared with third-parties with whom we share data and you therefore provide your express consent to our Privacy Policy, Terms of Use, and data sharing practices as described in this Notice.
The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under 13 years of age. Loan On Demand does not knowingly collect or maintain personal information from anyone under the age of 13, unless or as permitted by law. If we become aware that we have inadvertently received personal information from a visitor under the age of 13, we will delete the information from our records. If you are the parent or legal guardian of a child under 13 who has submitted information through the use of our Services, please contact us at privacy@loanondemand.com to have that child’s information deleted.
Further, our website is not directed to, nor is intended to be used by, children under 18 years of age. We do not knowingly collect or maintain personal information from, or target our website or services to, children under the age of 18. We understand that there may be exceptions to this rule, including, but not limited to, children who are emancipated. If we discover that the website is being used inappropriately, we will take steps, if possible, to disable access so that the individual may no longer access our website. If we become aware that we have inadvertently received personal information from a visitor under the age of 18, we will delete the information from our records.
By interacting with our Services in any way, you expressly represent and warrant that you are at least 18 years of age and you provide your consent to the data sharing practices describes in this Privacy Policy. If you are under the age of 18, you are not authorized to use any Company Website or our Services.
Our websites, mobile apps, social media accounts and other interactive services may contain links to other websites, mobile apps or social media services. Any personal information you provide on the linked pages will be provided directly to that third-party and is subject to that third party’s privacy policy. This Privacy Policy does not apply to any websites, mobile apps or social media services we may link to, which are not owned or operated by the Company, and we are not responsible for the content or privacy policies and/or data security practices and policies of these websites or any other websites, mobile apps or social media services that are linked to from our Sites. Before you share any personal information with them, we recommend that you visit the privacy policy page of these websites, mobile apps or other services to better understand their data privacy policies.
In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
You may “Opt Out” of receiving emails, and telephone calls from us at any time by sending an email to us at privacy@loanondemand.com. If you opted in to receive text or SMS messages from us, you will need to opt out using the instructions provided for opting out of text messages at the time you subscribed. This usually involves texting the word STOP in the thread of the text or SMS message you received from us. If you consented to allow us to share your information with our marketing partners, affiliates or other affiliated entities by interacting with our Services and providing your consent, you will need to opt out of receiving communications from those marketing partners directly by visiting their websites and following the specific opt out instructions listed on their privacy policy for each type of communication you opted in to receive (Email/Text/SMS/Voicemail). Please note that, if you opt out of receiving emails from us, we may still send you emails relating to future transactions you make with us, or emails about how you continue to use our services, or as described further elsewhere in this Privacy Policy.
If you any have any questions or concerns about this Privacy Policy, you may email us at privacy@loanondemand.com.
PLEASE PRINT AND RETAIN A COPY OF THIS DIGITAL ONLINE PRIVACY POLICY FOR YOUR RECORDS.
This website is owned and operated by Loan On Demand (the “Company” or “Loan On Demand”), a leading marketing communications company and related platform developer. This Digital Online Privacy Policy (“Privacy Policy”) is intended to explain to you, the end user, how Loan On Demand handles the collection, use, and distribution of the information we collect and process. This Privacy Policy applies to the Website at https://loanondemand.org and all other Company Websites, mobile Websites, Social Media Accounts, Chat and Messaging systems, email marketing systems, automated telephone dialing systems or mobile applications owned and operated by the Company that link to this Privacy Policy (collectively, the “Services”).
Agreement to this Privacy Policy: By using any of the Company’s Services on any computer, mobile phone, tablet or other device (collectively, “Device”), you expressly agree to the Company’s Terms of Use and this Privacy Policy and consent to the use of your information in the manner described herein. If you do not unconditionally agree with our Terms of Use and all of the provisions of this Privacy Policy, please do not submit any personal information to, or make any other use of, our Services.
Loan On Demand reserves the right to change the provisions of this Privacy Policy at any time and without notice to you. We notify users that changes have been made to our Privacy Policy by updating the date it was last revised. Therefore, Loan On Demand encourages you to review this Privacy Policy whenever you use any of the Company’s Services to stay informed about the Company’s advertising and data collection practices related to information you share with us or that we may obtain from publicly available sources. By continuing to use the Company’s Services after we post any changes, you accept and agree to the modified Privacy Policy.
Information collected by the Company falls into three categories: (1) information actively collected when users voluntarily submit it to us in connection with their use of our Services; (2) information passively collected through the use of our Services; and (3) information collected from other publicly-available sources. This Privacy Policy covers the active collection of information which you directly share with us, any passively collected information compiled as a result of your interaction with our Services, and any publicly available information about you, your interests, and other publicly available demographic data we may obtain and append to the information you provide to us. The methods of data collection to which you are consenting by using our Services are further explained below.
We actively collect and retain certain information you voluntarily directly provide to us through your interaction with our Services, such as when you submit a web form, download a file or document, share information about your financial status, make a purchase, send us an email or sign up to receive updates via text message, email or auto dialed messaging services, connect with us through a social media account, or create an account or profile using an email address and password to access premium Services on one of our websites, mobile websites or mobile apps. We also collect information you provide in other ways, for example, when you post a comment or click to add a reaction or emotion on one of our websites or social media accounts, or by participating in a survey, or by interacting with one or more of our apps offered on social media or one of our websites, or by entering a contest or sweepstake, or by downloading or interacting with a game or by sharing any information with us as part of a promotion.
By interacting with our Services in any manner, you consent for us to use this data, including your social media profile ID and other associated personal or demographic data which you have made publicly available through your interaction with our Services, or which you have made publicly available on your social media accounts, for targeting, segmentation, and data optimization purposes including to send you messages or advertising directly through social media Services through which you have interacted with us, or through email or telephonic services for which you have provided consent for us to communicate with you. The types of information we collect in this way may include your name, username, password, email address, mailing address, land line phone numbers, mobile phone numbers, credit card number and other information you choose to provide to us such as demographic data, or data about your personal financial situation which you may voluntarily share with us.
By interacting with our services, you understand and provide your consent for us to supplement any information you provide to us with information we may obtain from other sources. For example, we may obtain publicly-available information from third-party data sources or marketing partners to verify or append the information you provide to us including, but not limited to, demographic or interest data or other personal data or contact information about you.
When you use our Services, we automatically collect certain Aggregate and Anonymous (“AA”) information about your interaction with our Services and the devices and systems you may use to access the Services. Such information includes, but is not limited to, your Internet Protocol (IP) address, the manufacturer and version of your computer or device, the manufacturer and version of your computer or device operating system, the graphics resolution of your device, your browser type and version, the unique ID number associated with your mobile device, computer or tablet, the address of a referring web site or application, the pages of our websites you interact with and how long you interact with these pages and your activity and other interactions you complete on our Services.
We may also automatically collect information about you and your website browsing behaviors by using “cookies”, tracking pixels, “Clear GIFs” or Graphics Interchange Format Images, and/or web beacons. A website or application cookie is a small data file which is stored on your computer or device hard drive at the request of a website. A web beacon is an invisible graphic image that we may use on our websites, mobile apps, or in emails we send to you to collect information about how you interact with our marketing campaigns and to analyze and measure the performance of these campaigns. Tracking cookies and web beacons help us improve our websites, analyze the performance of our marketing campaigns, and enhance your experience when you interact with our Services. We may also use cookies to associate your visits and other interactions with our Services across any devices you may use to visit our website or interact with our services. At your election, you may wish to block, erase, or be warned about the presence of cookies. To do so, please contact the manufacturer of your website browser to learn about how to opt-out of these advertising and tracking functions.
When you view a video on one of our websites, we may also set a “Flash Cookie” on your computer or mobile device. Deleting or opting out of browser cookies may not affect these Flash Cookies or remove them from your device. You can learn more about Flash Cookies, and how you can disable or delete this type of tracking cookie from your device by visiting Adobe’s website at https://adobe.com/products/flashplayer/security. If you remove or reject cookies or flash cookies, it may affect how certain features work on our websites and mobile apps or disable some functions altogether.
We use third-party analytics tools and services to help us analyze how users interact and engage with our Services. These analytics services may track you in a similar manner, using some or all the passive data collection tools listed above to measure your engagement and interaction with our Services, advertisements, promotions and communications we may send to you.
We also work with third-party marketers, marketing agencies, and advertising companies which may use similar tracking tools like the ones listed in this Privacy Policy and which may include the use of cookies or other technologies to serve ads, track user behavior and engagement, and provide measurement and analytics data about the campaigns they run on our behalf. These third-parties may automatically collect information about your interactions and activities relating to your visits to this website and our other websites, and mobile apps. These third-parties may actively or passively collect information about your interaction with their campaigns and our services such as your IP address, the type and version of the browser you used, the pages you viewed, how much time you spent interacting with our Services, the links you clicked, and conversion information based on actions you took, information you submitted to us, or products, information, or apps you downloaded during your visit.
Any information collected by us or these third-party marketing partners or advertising agencies may be used, among other things, to deliver advertising to you based on your interests or demographic information we may obtain directly from you or from other third-party data providers. We may also use this data from third party marketing partners or advertising agencies to deliver retargeting or remarketing advertisements to you on other websites, mobile apps, affiliate networks and social media networks. We may also use this data from third-party marketing partners or advertising agencies to better understand how you responded to, or interacted with, our advertising campaigns.
Other than alerting you to the possibility of third-party entities using these data collection techniques, this Privacy Policy does not apply to the practices of our marketing partners or advertising agencies, and we are not responsible for the methods and practices used by these entities. If you would like more information about how digital internet advertising works and how you can control your privacy online and opt out of some or all of these practices, please visit the Digital Advertising Alliance’s website at http://www.aboutads.info/consumers.
Certain of our Services may permit you to log in to your account by using your account credentials for third-party social media sites. If you create or log into your account on one of our Services through such a third-party social media site, we will have access to certain information from that site which you provided to the social media network and that the social media site may have collected about you. We may also collect information that you post on any of our pages on these social media sites, track your interactions with our pages or posts through your interactions with the content on these sites and track your actions relating to how you like or share our content located on third-party social media sites, including but not limited to Facebook, Instagram, Twitter, Snap Chat, YouTube and other Google properties and other social media sites. In addition, we may track your activity using a unique pixel for each of our social media networking sites to measure how you interact with our content and advertising on these social media sites.
We use personal information and aggregated and anonymous data we collect when you interact with our Services for various purposes, including to:
By interacting with our services and sharing data with us through our services, you agree and consent that we may collect, process, store, analyze, append and make a copy or backup any data that you provide to us through the use of the Services on any servers, computers, devices, hard drives, flash drives or other storage systems located in the United States of America or any other countries we may so designate.
You agree and consent that we may share information about you in the following ways or under the following circumstances and as otherwise described in this Privacy Policy:
When you share any information posted in comments, including any information you share with individuals through any interactive areas of our services or through our social media networking sites, you understand that this information will be available to other users and, in some case, may be available publicly. Therefore, we recommend caution when posting any personal information on any interactive features of our Service or on our social media networking accounts. If you share personal information in these types of public online forums, we are not responsible for the actions of any third-parties who may access, copy or disseminate such personal information without your knowledge.
Our websites and other interactive Services may make use of certain social media sharing plugins or other social media engagement tools that allow you to share your activity or our content on our websites with others on social media networking sites or on other websites. It is possible that these plugins may transmit certain information, including personally identifiable data about you, even if you are not logged into the plugin provider’s service at the time. To better understand what data may be shared and how you may opt out of such data sharing, please visit the privacy policy page on the website of the plugin manufacturer.
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf.
Individuals who reside in California and have provided their personal information may request information concerning disclosure of this information to third parties for direct marketing purposes. Such requests must be submitted to us at the following mailing address: 5960 W. Parker Rd. # 251, Plano, Texas 75093.
You may also access or change your personal information at any time; provided, however, that we may reject requests that are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or would be extremely impractical. We may also refuse a request to delete information if maintaining the information is required by law or is part of a fraud investigation, or as otherwise described in this Privacy Policy.
You may access and modify your personal information by contacting us at privacy@exxcelrank.com.
How do the Company’s websites handle “Do-Not-Track” signals? We respond to Web browser “do not track” (DNT) signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services.
Do the Company’s websites allow third-party behavioral tracking? As described in other areas of this Privacy Policy, Loan On Demand allows third-party behavioral tracking.
Can other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit one of the Company’s websites? As described in other areas of this Privacy Policy, yes.
In response to California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law, or unless you specifically opt-in and request that we share your information for the purpose you indicate on one of our websites or other Services. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us, unless you specifically request that we share your information or request information on our website that may otherwise be provided by one of our marketing partners, affiliates or associated companies.
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates, unless you provide your consent for us to share your personal information with our marketing partners. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing to privacy@exxcelrank.com. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington St., Suite 3900
Las Vegas, NV 89101
Phone number: 702-486-3132
E-mail: BCPINFO@ag.state.nv.us
This Digital Online Privacy Policy is intended to cover collection, processing, transmission, dissemination, analysis, copying and appending of information on our Services from residents of the United States. If you visit one of our websites, mobile apps, or interact with one of our other digital services from outside of the United States, please be aware that you are providing consent that your information may be transmitted to, stored, stored, copied, backed up and otherwise processed in the United States where our servers and system databases are located. The data protection, privacy laws and other laws of the United States and other countries which may pertain to your interaction with our Services might not be as comprehensive as those in your country. Therefore, by visiting our websites or otherwise interacting with our Services, you understand that your information may be transferred to our servers and databases which are housed in facilities located in the United States and which may be shared with third-parties with whom we share data and you therefore provide your express consent to our Privacy Policy, Terms of Use, and data sharing practices as described in this Notice.
The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under 13 years of age. Loan On Demand does not knowingly collect or maintain personal information from anyone under the age of 13, unless or as permitted by law. If we become aware that we have inadvertently received personal information from a visitor under the age of 13, we will delete the information from our records. If you are the parent or legal guardian of a child under 13 who has submitted information through the use of our Services, please contact us at privacy@exxcelrank.com to have that child’s information deleted.
Further, our website is not directed to, nor is intended to be used by, children under 18 years of age. We do not knowingly collect or maintain personal information from, or target our website or services to, children under the age of 18. We understand that there may be exceptions to this rule, including, but not limited to, children who are emancipated. If we discover that the website is being used inappropriately, we will take steps, if possible, to disable access so that the individual may no longer access our website. If we become aware that we have inadvertently received personal information from a visitor under the age of 18, we will delete the information from our records.
By interacting with our Services in any way, you expressly represent and warrant that you are at least 18 years of age and you provide your consent to the data sharing practices describes in this Privacy Policy. If you are under the age of 18, you are not authorized to use any Company Website or our Services.
Our websites, mobile apps, social media accounts and other interactive services may contain links to other websites, mobile apps or social media services. Any personal information you provide on the linked pages will be provided directly to that third-party and is subject to that third party’s privacy policy. This Privacy Policy does not apply to any websites, mobile apps or social media services we may link to, which are not owned or operated by the Company, and we are not responsible for the content or privacy policies and/or data security practices and policies of these websites or any other websites, mobile apps or social media services that are linked to from our Sites. Before you share any personal information with them, we recommend that you visit the privacy policy page of these websites, mobile apps or other services to better understand their data privacy policies.
In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
You may “Opt Out” of receiving emails, and telephone calls from us at any time by sending an email to us at privacy@exxcelrank.com. If you opted in to receive text or SMS messages from us, you will need to opt out using the instructions provided for opting out of text messages at the time you subscribed. This usually involves texting the word STOP in the thread of the text or SMS message you received from us. If you consented to allow us to share your information with our marketing partners, affiliates or other affiliated entities by interacting with our Services and providing your consent, you will need to opt out of receiving communications from those marketing partners directly by visiting their websites and following the specific opt out instructions listed on their privacy policy for each type of communication you opted in to receive (Email/Text/SMS/Voicemail). Please note that, if you opt out of receiving emails from us, we may still send you emails relating to future transactions you make with us, or emails about how you continue to use our services, or as described further elsewhere in this Privacy Policy.
If you any have any questions or concerns about this Privacy Policy, you may email us at privacy@exxcelrank.com.
PLEASE PRINT AND RETAIN A COPY OF THIS DIGITAL ONLINE PRIVACY POLICY FOR YOUR RECORDS.
