This Privacy Policy is effective as of: October 27, 2017

Privacy Policy
This Privacy Policy (also referred to as “Policy”) applies to OpenLoansDirect.com (also referred to as “Company,” “Site,” “we,” and “our”).  It notifies You (“You”), as the site user, about our services, how we collect, use, and share your information.  By using this Site and by sharing your personal information on this Site, you acknowledge that you have read, understood, and agree to this Policy and other policies on this Site.  Please read this Policy in full before using this Site.  Use of this Site also constitutes acknowledgement that You are a legal resident of the United States, and are of proper legal age to use this Site’s services. Changes may be made to this Policy at any time.

Personal Information
By using this Site and its services, You are allowing the Site to collect “Personally Identifiable Information” and “Non-Personally Identifiable Information” from You.  These types of information are described below:

Personally Identifiable Information (“PII”)
Use of this Site requires You to provide certain PII.  Your unique data allows for communication and identification.  PII is any information that can be used to identify, contact, or locate an individual. This information may include, but is not limited to: your name, date of birth, telephone number, physical address, Social Security Number, driver’s license number and state, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and your banking information.

Non-Personally Identifiable Information (“NPII”)
Use of this Site provides us with anonymous NPII, which is data not associated with any individual. This may include, but is not limited to: Internet Protocol address, Internet Service Provider, operating system type, and browser type.  This information may be obtained directly through the use of “cookies,” which is data sent to your computer when visiting a website.  The disabling of cookies may prevent access to certain areas of this Site.  This Company has no control over cookie technology.  This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to your PII.

How Information is Shared with Third Parties
Your use of this Site and sharing of your information authorizes this Company to share your information  with third parties and affiliates, including our network of third party lenders, which may include state-licensed lenders, tribal lenders, and other finance providers. Third party lenders may use your information in one of several ways. It may be used to offer you a loan, offer related business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. These parties each have their own policies for collecting, using, and sharing your information. Once your information is shared, this Site is no longer responsible for the handling of your information these such third parties.

In addition, this Site may allow advertisements from third party lenders and advertising partners. These companies may employ their own technologies, including cookies, to track and collect information regarding their advertisements.

The Company reserves the right to share the information You provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that You violate our policies, or when and where this Company deems it to be necessary to protect this Company’s rights and its assets.

How Information is Used
The information that You provide allows us to try to connect You with a third party lender in our network of lenders with whom we have a business relationship. This information also allows us to review or verify your request form, communicate with You by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of this Policy and our policies, or to provide any other service as described on this Site. Your Social Security Number and bank information may also be used to verify your identity.

How Information is Secured
This Site uses a number of security measures to protect your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses Secure Socket Layer (SSL) encryption, stores personal information on secure and reputable servers, and utilizes password protection when accessing consumer information.

Although we take precautions to protect your information, absolute protection in the collection, storage, or transmission of data cannot be guaranteed. Accessing this Site is done at your own risk.

If a security breach occurs which affects your PII, You will be notified along with any agencies as dictated by law. Notification may take place in the form of an email and may be delayed by law enforcement in order to conduct an investigation and enact further security measures.

Links to Third Party Sites
This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, You are responsible for the information You provide as well as the content You access. These sites may use your personal information differently than our use of the information You submit to this Site. Please read each site’s policies and terms & conditions.

Push Notifications
If you provide Your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.

Opt-In/Opt-Out of Communication
By submitting your information on this Site, you consent to receive communications from this Site, our affiliate(s), and/or a lender or lending partner within our network. You may choose to opt-out of sharing your PII for certain purposes when it is requested on this Site. To limit third party use of your information, please contact the third party directly concerning your information sharing preferences. When completing this Site’s form, indicate your preference on this Site or by following a link provided in our email communications. By using this Site and providing your information on our form, You provide your express consent to receive communications from this Site, our affiliate(s) and/or third parties about this service, a loan product and related products to You via e-mail, SMS/text message, by telephone, and auto-dialed or pre-recorded messages. Please note, your provider’s standard message and data rates may apply to any SMS message, you may receive recurring messages, and your consent is not required as a condition of using this Site’s services. You may opt-out and remove your SMS information by following the opt-out instructions provided in a SMS/text message (i.e. sending “STOP” to stop and “HELP” for help). You may remove your information from our database at any time. If You do not wish to receive future communications or if You no longer wish to receive our service, click here.

Please be aware that your participation in certain activities provided by our Site may be limited if PII is not submitted. E-mail addresses and phone numbers received in an opt-out request will be added to our company’s Do-Not-Contact registry within ten (10) days after receipt. Unless You unsubscribe or opt-out, this Site assumes You consent to receive communications from it, its affiliate(s), and third-parties. It is possible that a third-party or affiliate may have purchased your contact information and thus You may continue to receive contacts from those third-parties. This Site is not responsible for stopping all unwanted contact from sources beyond our immediate control. Please contact those third-parties directly to inform them of your contact preferences.

This Site abides by CAN-SPAM and TCPA regarding communications.

Minors
This Site does not knowingly collect information from minors under the age of 18, and does not knowingly use such information for any purpose, including marketing purposes. If you are a parent/guardian who knows of a minor who has provided our Site with personally identifying information, please contact us here, so that we can delete such information from our database.

Some states vary in the minimum age of consent required to obtain a loan or submit information to request an offer for a loan. This Site and its services is not intended for those under the age of majority in any given state. Please do not use this Site or its services if You are younger than the age of majority required to use this service and/or obtain a loan.

We hope this information satisfies any concerns you might have. If you have any questions, please contact us.