By using the Website or Services, you represent and warrant that you are at least 18 years old, a resident of the United States, and are otherwise legally qualified to enter into and form contracts under applicable law.
The Website is designed and targeted to U.S. audiences and is governed by and operated in accordance with the laws of the U.S. We make no representation that this Website is operated in accordance with the laws or regulations of, or governed by, other nations.
We use your Personal Information and Financial Information to: (1) identify you; (2) to confirm facts about you; (3) to send you information about our products and services; (4) and to contact you when necessary in connection with your use of the Website. We use your Demographic Data to customize and tailor your experience on the Website. As with Traffic Data and information gathered using Cookies and Web Beacons, from time to time we may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.
Except under the following circumstances, we will keep your Personal Information private, and will not sell or otherwise share it with third parties:
We disclose Personal Information to our parent companies, subsidiaries and affiliates for marketing and/or administrative purposes.
We refer consumers to lenders or to third-party partners who then may refer consumers to lenders. We disclose Personal Information to Lenders and third-party partners, who use your Personal Information to identify you, to confirm facts about you, to deliver financial products and services to you, to help assess requests for financial products and services, and as necessary to service your loan.
We provide your Personal Information to third parties, so that they may contact you directly with information about additional products and services ("Marketing Communications"). You may opt-out of having your Personal Information provided to third parties for the purpose of Marketing Communications by clicking here and following the opt-out instructions. Even after opting-out, you may continue to receive Marketing Communications from third parties to whom we have already provided your Personal Information. You will be responsible for contacting those third parties directly to request that you receive no further Marketing Communications.
We disclose Personal Information parties who help us provide Services, including those who perform technical, administrative and data processing tasks such as ad serving, email management, hosting, billing, fulfillment, and data storage and security.
We disclose Personal Information when required to do so by law, or in response to a subpoena or court order, or when we believe that disclosure is reasonably necessary to protect the our property or rights, or the property or the rights of third parties or the public at large.
Under California's "Shine the Light" law (CA Civil Code § 1798.83), California residents who provide personal information to businesses in obtaining products or services for personal, family or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, click here and follow the opt-out instructions.
We have implemented and maintain reasonable security procedures and practices to protect against the unauthorized access, use, modification, destruction or disclosure of your Personal Information.
You represent and warrant that all information you provide on any application form or otherwise in connection with your use of the Website will be complete and accurate. We do not maintain a process for you to review and request changes to any of your Personal Information collected through the Website. If your Personal Information changes after you have submitted an application through the Website, you must submit a new application with your new or updated information.
Effective Date: February 23, 2016