II. ACKNOWLEDGEMENT & AGREEMENT
PersonalLoans.com is Arrow Eagle, LLC, which is a limited liability company chartered pursuant to the laws of the Ute Indian Tribe, and is wholly owned by enrolled members of the Ute Indian Tribe. By your use of this website you consent to the laws and jurisdiction of the Ute Indian Tribe as it relates directly or indirectly to your use of this website.
III. ABOUT PERSONALLOANS.COM
IV. INFORMATION COLLECTION
A. PERSONALLY IDENTIFIABLE INFORMATION
We collect and combine personally identifiable information (PII) and non-personally identifiable information (Non-PII) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to Social Security number, first name, last name, address, zip code, city, state, length of stay at address, whether you rent or own, your email address, driver's license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer's phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.
B. THIRD PARTIES
We may obtain information about you from third parties, including credit reports, information about your home, and demographic information. We do not pull a credit bureau report on customers without their permission.
C. HARDWARE AND SOFTWARE INFORMATION
Information about your computer hardware and software is automatically collected by PersonalLoans.com and may be shared in aggregate with third parties whose services are used for traffic-analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring website addresses. This information is used by PersonalLoans.com to maintain and improve the quality of the service and to generate statistics regarding use of the PersonalLoans.com site. PersonalLoans.com does not use third party databases to correct or update the information you submit to us for any reason.
E. REQUIRED INFORMATION
We use contact information to send information about our company and to service existing accounts. Contact and financial information that is collected is used for verifying your name, address and other information. Not all information asked for on our site is required when you fill out our forms. However, the following data is required to use our Site: Social Security number; first name; last name; address; zip code; city; state; length of stay at address; whether you rent or own; your email address; driver's license or state ID number; telephone number; work telephone number; time at which you may be contacted; birth date; birth year; IP address or computer hardware specifications; whether you are related to someone in the armed forces; whether you make income from job or from benefits; your employer name; duration of employment; employer's phone number; job title; frequency of compensation; your pay dates; your ABA/routing number; your bank account number; nature of bank account; name of bank; bank phone number; duration with bank; whether you get paid by direct deposit; monthly net income; and loan amount desired.
F. BEHAVIORAL MARKETING
We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.
You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by editing your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. For further information regarding the privacy practices of our advertisement provider, please visit http://www.google.com/privacypolicy.html
G. CORRECTING/UPDATING INFORMATION
Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.
560 E 200 North, Suite 18
Roosevelt, Utah 84066
If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please log into your account here on PersonalLoans.com, or contact us at: email@example.com
V. INFORMATION SHARING
A. PRIVACY PERMISSIONS & DO NOT TRACK SIGNALS
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed herein. When you submit your request for information or quote, you are granting us permission to share your PII and Non-PII, including the contact and loan request data you submit with affiliated third parties, including affiliate companies and co-branded partners; you are also granting us permission to be contacted by us or our affiliated third parties, including affiliate companies and co-branded partners.
We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. We do not permit third parties to collect PII about an individual consumer's online activities over time and across different Web sites when a consumer uses our site.
B. SHARING INFORMATION WITH AFFILIATES
When you submit your request for information or quote, you are granting permission to be contacted by PersonalLoans.com or affiliated third parties. Affiliated third parties include, but are not limited to, banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. An "affiliate company" is a company under legal contract with PersonalLoans.com to fulfill services or is a company owned in whole or in part by PersonalLoans.com or Arrow Eagle, LLC.
We share the contact and loan request data you submit on the quote request form and PersonalLoans.com account number information with affiliated companies to fulfill information requests we receive from you; to provide you with superior service; inform you of product and service opportunities that may be of interest to you; and for other business purposes.
In addition, if you opt-out of future contact from PersonalLoans.com by using the opt-out mechanism provided in each email we send to you on behalf of a third-party service provider other than PersonalLoans.com, we will provide your email address to the third-party service provider so that the third-party service provider can add your name and contact information to its own Do-Not-Contact list.
C. SHARING INFORMATION WITH CO-BRANDED PARTNERS
A “co-branded partner” is a contracted partner with whom we work to provide co-branded services on our website Some of the services offered on our website are co-branded with contracted partners. Co-branded offerings will be identified directly on the quote request form for the product or service you choose prior to you having to submit the quote request. Where a co-branded product or service provider is identified your Personally Identifiable information will be provided directly to that provider's website. The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, address, phone, email address, etc.) is shared with PersonalLoans.com.
VI. CONFIDENTIALITY AND SECURITY
We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.
C. SPECIAL CIRCUMSTANCES
As PersonalLoans.com develops, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that PersonalLoans.com or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets.
PersonalLoans.com also reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) PersonalLoans.com's rights or property, other visitors, members, or anyone else that could be harmed by such activities. PersonalLoans.com also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Site.
We, our affiliate(s) and/or third parties may promote product and service offerings via email, sms-text message, or telephone to consumers who requested to be contacted either through our Site's online forms’ Opt-in process or through an Opt-In process on our third-party vendor or affiliate sites ("List Members"). List Members will receive emails, sms-text messages, or telephone contacts for as long as they wish to continue to receive such contacts.
In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP," "END," or "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
List Members can be removed from our contact lists at any time with no questions asked. To remove your information from our database to not receive future communications or to no longer receive our service, go to www.personalloans.com/unsubscribe or contact us at firstname.lastname@example.org. Email addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) days following receipt.
If a List Member chooses to be removed from our contact list, if applicable, we will also forward this request to the specific third-party vendor or affiliate who provided the List Member's informational request to us so that the List Member may be included on the third-party's Do-Not-Contact registry as well. Please bear in mind that if your information was purchased commercially from a third-party vendor or affiliate, PersonalLoans.com may not be the only purchaser of your information. Additionally, any third-party vendor or affiliate may have purchased your contact information from an additional third-party and thus you may continue to receive contacts from those third-party companies. PersonalLoans.com is not responsible for stopping all unwanted contact from sources beyond our immediate control. We are a CAN-SPAM compliant company.
A. GLB ACT
B. PATRIOT ACT
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While PersonalLoans.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to PersonalLoans.com, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are connected with on PersonalLoans.com.
PersonalLoans.com does not knowingly collect information from children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us at email@example.com, and we will delete the information about the child referenced from our files.
D. FOR CALIFORNIA RESIDENTS
On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like PersonalLoans.com to disclose: (1) How PersonalLoans.com responds to "Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit PersonalLoans.com.
PersonalLoans.com does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. PersonalLoans.com does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to PersonalLoans.com. PersonalLoans.com does not permit third parties to collect PII about an individual consumer's online activities over time and across different Web sites when a consumer uses PersonalLoans.com.
E. DO NOT CONTACT REGISTRY COMPLIANCE
By submitting personal contact and/or financial information, the user hereby grants written permission to PersonalLoans.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or email. Further, by registering at PersonalLoans.com you are consenting to receive phone calls from PersonalLoans.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan.
IX. ADDITIONAL INFORMATION
PersonalLoans.com contains links to other sites belonging to third parties. Please be aware that PersonalLoans.com is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by PersonalLoans.com even in cases where we may frame another site with our own. From time to time, we may co-brand certain services with third-party vendors and affiliates. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and automotive companies.
B. FORMER CUSTOMERS
We treat information about our former customers in the same manner as we treat information about our current customers.
C. SITE AND SERVICE UPDATES
We will send the user site and service announcement updates. Members are not able to unsubscribe from service announcements, which contain important information about the service. We also communicate with users to provide requested services and in regards to issues relating to the account via email or telephone when requested.
D. PUSH NOTIFICATIONS
With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.
E. INFORMATION FOR ISPs
PersonalLoans.com and its affiliated sites use only an opt-in or opt-out method of obtaining customer information. All personal information from consumers is obtained voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.
All email communications sent by us to consumers include information about the origin of the email and include easily identifiable instructions on how consumers can unsubscribe from receiving future email messages from us. Below is an example of email communications sent by us to subscribers.
This email is not sent unsolicited. This is a PersonalLoans.com emailing. Offers are sent to subscribers ONLY.
To be removed from our list, click here.
We hope this information satisfies any questions or concerns you may have as an ISP regarding our email practices. If you have additional questions or wish to discuss the matter further, please contact us at firstname.lastname@example.org.