lend800.com PRIVACY POLICY
Effective: February 26, 2018
This Privacy Policy (the “Policy”) applies to the lend800.com website (the “Website”). It tells users (“you”) of the Website and the services it provides about the information collected by the Website and how the Website uses and shares this information.
The Information lend800.com Information We Collect
lend800.com collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its websites.
Personally Identifiable Information
lend800.com collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration (a “Registration”) requesting a loan offer from a lender participating in lend800.com’s lender network (a “Lender Partner”) or by sending questions to lend800.com via the Website. The types of Personally Identifiable Information lend800.com collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
The types of non-Personally Identifiable Information that lend800.com collects (either directly, through the use of “cookies” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.
lend800.com may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.
Information Collected by Third Parties
lend800.com may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. lend800.com does not provide Personally Identifiable Information to these third parties.
How We Use Personally Identifiable Information
lend800.com uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from lend800.com, Lender Partners, other third party lenders, lend800.com’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce lend800.com’s terms and conditions, and perform any other functions otherwise described to you at the time lend800.com collects the information.
lend800.com may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom lend800.com has a business relationship. lend800.com may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.
Sharing Your Personally Identifiable Information
lend800.com may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom lend800.com has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, lend800.com may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom lend800.com has a business relationship.
Any third parties with whom lend800.com shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once lend800.com has transferred or shared it with those third parties as described in this Policy or the lend800.com Terms and Conditions.
lend800.com will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. lend800.com will disclose your Personally Identifiable Information when lend800.com believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of lend800.com’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.
In addition, lend800.com may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.
Links to Third Party Websites
lend800.com may provide links or automatically redirect you to third party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a website that lend800.com does not operate or control. You should review the privacy statements and terms of use of all third party websites you access. These third party websites may independently solicit and collect information from you. On occasion, those third party websites may provide lend800.com with information about your use of those sites.
Changes
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at lend800.com’s sole and absolute discretion. Changes to this Policy will be posted on the Website and lend800.com will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If lend800.com makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, lend800.com will notify you by prominently posting notice of the changes on this website.
Children’s Privacy
The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. lend800.com does not knowingly collect Personally Identifiable Information from children under the age of 18.
Security
lend800.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information lend800.com collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although lend800.com takes steps to secure your information, lend800.com does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to the Personally Identifiable Information that lend800.com has collected about you through your use of the Website, please contact lend800.com by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. lend800.com has elected the second option, and you may opt out by completing one or more forms on our Opt Out page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].
Contact
If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.
lend800.com
1125 E. Broadway #545,
Glendale, California 91205
[email protected]
lend800.com Terms & Conditions of Use
Effective: May 29, 2018
By accessing the lend800.com website (the “Website”), you agree to be bound by these terms and conditions (the “Terms”). Please read these Terms carefully. If you do not agree to these Terms, please exit the Website immediately.
Loan Referral Service
Our loan referral service (the “Service”) connects consumers with prospective lenders participating in our network (the “Lender Partners”). To use the Service, you must complete an online request form (a “Request Form”) that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Our collection and use of this information is subject to the Website’s Privacy Policy, which is incorporated into these Terms.
Credit Decisions
lend800.com is not a lender and does not make loans or credit decisions. lend800.com does not guarantee that any Lender Partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions. lend800.com does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by Lender Partners through the Service are the best terms available in the market.
Once you submit a Request Form, lend800.com shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you requesting loan offers from the Lender Partners. You are also agreeing that lend800.com and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) so that they may assist in processing your Request Form or provide information to you about additional offers now or in the future.
Lender Partners who receive your Request Form review your information in real-time to determine whether your information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Request Form information to perform a credit check. This credit check may be a formal credit inquiry which leaves a record on your credit report and may affect your credit score (a “Hard Check”). Or it could be an informal inquiry which will not affect your credit (a “Soft Check”). These credit checks may be performed through TransUnion, Equifax, or Experian (the “Big Three”) or they may be performed through other alternative credit reporting agencies or data aggregators (such as Microbilt, Teletrack, DP Bureau, or DataX) that track consumer transactions with lending institutions. By submitting your Request Form, you agree to allow Lender Partners to review, verify, and research your information in such a manner.
If a Lender Partner determines that your Request Form meets its underwriting criteria, your browser will be redirected to the lender’s website. You understand and agree that, once you have been redirected to the lender’s website, lend800.com has no further involvement in the loan registration or decision process. Your interactions with the lender are subject to privacy policy, terms of use, and other policies or terms enforced by that lender.
Electronic Disclosure
By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and communications both from lend800.com and from our Lender Partners. If you are connected to a Lender Partner, that lender may require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan contract in paper form. And your electronic signature will be as valid as a physical signature on a paper loan contract.
The lender may also require you to consent to receiving all notifications regarding your loan electronically. These electronic communications may include attempts to collect a debt.
Additionally, the lender may require you to access documents related to a loan, including your loan contract. By Submitting your Request Form you agree to this form of access.
The lender may allow you to withdraw your consent to electronic disclosures. Please contact the lender with whom you were connected to learn more about this process. Please note, however, that not consenting to receive electronic disclosures may affect your ability to receive a loan from a Lender Partner.
Accuracy
You represent that the information you provide to lend800.com, and ultimately, the Lender Partners, through your Request Form is accurate and truthful. If the information in your Request Form is not accurate and truthful, lend800.com may deny, suspend, or terminate your use of the Service.
Control over Features, Functions, and Access to the Service
lend800.com may change any information, features, or functions of the Service without prior notice. lend800.com may deny you access to all or part of the Service without prior notice if you engage in any conduct or activities that lend800.com determines, in its sole discretion, violate these Terms, the rights of lend800.com or any third party, or is otherwise inappropriate. lend800.com is not responsible for any errors or delays in providing Service caused by errors in the Request Form information provided by you or by any technical problems beyond its reasonable control.
Disclaimers and Limitations
THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED “AS IS.” lend800.com EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THE WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.
lend800.com MAKES NO WARRANTY AS TO THE RESULTS THAT MAY BE ACHIEVED BY USING THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT. USE OF THE WEBSITE OR THE SERVICE IS AT YOUR OWN RISK.
lend800.com OR THE LENDER PARTNERS OR ADVERTISERS OR ANY OF THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, OR SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE WEBSITE OR THE SERVICE OR WITH THE DELAY OR INABILITY TO USE THE WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF lend800.com OR THE LENDER PARTNERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
lend800.com DOES NOT ENDORSE OR RECOMMEND THE PRODUCTS OF ANY PARTICULAR LENDER. lend800.com IS NOT AN AGENT OF YOU OR ANY PARTICIPATING LENDER. lend800.com IS NOT INVOLVED WITH THE LENDER’S USE OR REVIEW OF YOUR REQUEST FORM INFORMATION OR IN MAKING A DETERMINATION ABOUT WHETHER YOU MEET A PARTICULAR LENDER’S UNDERWRITING CRITERIA. THE LENDER IS SOLELY RESPONSIBLE FOR ITS SERVICES TO YOU, AND YOU AGREE THAT lend800.com WILL NOT BE LIABLE FOR ANY DAMAGES OR COSTS OF ANY TYPE ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICE. YOU UNDERSTAND THAT LENDER PARTNERS MAY KEEP YOUR REQUEST FORM INFORMATION, WHETHER OR NOT YOU ARE QUALIFIED FOR A LOAN WITH THEM.
SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE DISCLAIMERS AND LIMITATIONS ABOVE MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF lend800.com, THE LENDER PARTNERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnity
As a condition of using the Website or the Services, you agree to indemnify lend800.com and the Lender Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of the Website, including any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties
The Website may contain links to other websites operated by Lender Partners or other third parties. These links are provided for your convenience and reference only. lend800.com does not operate or control in any respect any information, software, products, or services available on such third party sites. lend800.com’s inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Dispute Resolution
Any claim or controversy arising out of or relating to the use of the Website, to the use of the Service, or to any acts or omission for which you may contend lend800.com is liable (a “Dispute”), will be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Los Angeles, California and judgment on the arbitration award may be entered into any court of competent jurisdiction. No arbitrator will have the power to award damages in connection with any Dispute in excess of actual compensatory damages and will not multiply actual damages or award consequential, punitive, or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate will not be construed as an agreement to the joinder or consolidation of an arbitration under this agreement with an arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO SETTLE ANY DISPUTES WITH lend800.com IN A COURT OF LAW OR BEFORE A JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING lend800.com’S SERVICE, YOU CONSENT TO THESE RESTRICTIONS.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and lend800.com, you agree that jurisdiction over and venue of any suit will be exclusively in the state and federal courts sitting in Los Angeles, California. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one year after such claim or cause of action arose or be forever barred.
SMS Terms & Conditions
By providing a mobile phone number you are opting in to communications via SMS from lend800.com and the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers.
For additional support: [email protected]
Message and Data Rates May Apply. Under no circumstances will lend800.com be responsible for fees that your wireless carrier or other third parties may charge you for use of this service.
Messages may be delayed or undelivered for various factors. Carriers are not liable for delayed or undelivered messages.
Other Terms
These Terms constitute the entire agreement between you and lend800.com. These Terms will be governed by the laws of California without regard to its conflict of law principles. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely connects the intent of the original provision and the remainder of these Terms will remain in effect. Any failure by lend800.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. lend800.com may amend these Terms at any time by posting the amended terms on its website. All amended terms are automatically effective immediately upon posting.
Questions
You may direct any questions concerning these Terms to:
lend800.com
1125 E. Broadway #545,
Glendale, California 91205
i[email protected]
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