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This
Privacy Policy covers DebtCash.com, its subsidiaries,
and any of its websites (“Websites”). This Privacy
Policy is designed to tell you about our practices
regarding collection, use, and disclosure of information
that you may provide via this Website and certain
related services. Please be sure to read this entire
Privacy Policy before using, or submitting information,
to this Website.
This
Website is not intended for anyone under the age of
eighteen (18) or persons residing outside of the United
States. By accessing the Website on any computer, mobile
phone, tablet, or other device (collectively, “Device”),
you agree to the terms of this Privacy Policy. If you do
not agree to the Policy, please do not use the Website.
We may
modify this Privacy Policy at any time. If we decide to
change this Privacy Policy, we will post those changes
on our Website. We encourage you to periodically review
our Privacy Policy to stay informed about how we are
using the information we collect.
Collection of Information
The main
purpose of our Website is helping you to find a loan
from prospective lenders participating in our direct
network of loan lenders (“participating lenders”).
Personal
Information
We
collect personal information from you when you provide
it to us, including by providing information to us to
find you a loan, or when you contact us. This
information may include, for example, name, date of
birth, telephone number, mailing and home address, zip
code, email address, social security number, bank
account information, financial information, employment
information, and driver’s license number and state of
issuance.
Non-Personal Information
When you
visit the Website, we may collect certain non-personal
information from you, including your Internet Protocol
(IP) address, the date and time of your visit, browser
type, operating system, the specific web pages visited
during your connection, and the domain name from which
you accessed the Website. In addition, we may collect
information about your browsing behavior, such as the
date and time you visit the Website, the areas or pages
of the Website that you visit, the amount of time you
spend viewing the Website, the number of times you
return to the Website and other clickstream data. We may
also use non-personal information for statistical
analysis, research, and other purposes.
Like many
commercial websites, we analyze how visitors use our
Site through what is known as “cookie” technology. A
cookie is a small text file that is placed on your
computer when you access the Site and allows us to
recognize you each time you visit the Site. We may use
cookies to: (1) enhance or personalize your Website
usage; (2) monitor Website usage; (3) manage the
Website; and (4) improve the Website and our services.
If you choose, you can set your browser to reject
cookies or you can manually delete individual or all of
the cookies on your computer by following your browser’s
help file directions. However, if your browser is set to
reject cookies or you manually delete cookies, you may
have some trouble accessing and using some of the pages
and features that are currently on our Website, or that
we may put on our Website in the future.
We may
also use web beacons on the Website, in our emails and
in our advertisements on other websites. Web beacons are
tiny graphic images that are used to collect information
about your Site visit, such as the pages you view and
the features you use, as well as information about
whether you open and/or act upon one of our emails or
advertisements. We may also collect the URL of the
website you visited immediately before coming to the
Website. Web beacons help us analyze our Website
visitors’ behavior and measure the effectiveness of the
Website and our advertising. We may work with service
providers that help us track, collect and analyze this
information.
We may
combine the non-personal information we collect, such as
through cookies and web beacons, with other information
we have collected from you.
Use of Information
We may
use the information we collect from and about you for
any of the following purposes: (1) to fulfill your
request for solicitation purposes and match you with a
participating lender; (2) to respond to your inquiries;
(3) to review Website usage and operations; (4) to
address problems with the Website, our business or our
services; (5) to protect the security or integrity of
the Site and our business; (6) to monitor the Site for
compliance with our Terms of Use and the law; (7) to
enforce our contracts with you; (8) to remarket your
information to third parties, with your consent where
legally required and in accordance with all applicable
laws and regulations; and (9) to contact you with
Website updates, newsletters and other informational
and promotional materials from us and offers from
participating lenders, as well as from other companies.
If you do
not wish to receive communications from us about offers
and promotions, you can opt-out of receiving these
communications by emailing us at info@DebtCash.com or by
following the instructions in the messages you receive.
Disclosure of Information
We may
disclose information collected from and about you as
follows: (1) to facilitate your request by sharing your
personal information to participating lenders so that
they may contact you regarding a loan; (2) our related
companies and service providers, to perform a business,
professional or technical support function for us;
(3)with consumer reporting and related agencies; (4) as
necessary if we believe that there has been a violation
of the Website Terms of Use or of our rights or the
rights of any third party; (5) to respond to legal
process (such as a search warrant, subpoena or court
order) and provide information to law enforcement
agencies or in connection with an investigation on
matters related to public safety, as permitted by law,
or otherwise as required by law; and (6) in the event
that our company or substantially all of its assets are
acquired, your personal information may be one of the
transferred assets. We may also disclose your personal
information with your express consent. We may share
aggregate, non-personal information about Website users
with third parties.
Additionally, we may share your personally identifiable
information (excluding your social security number, bank
account information, or other financial information)
with third party marketers and other service providers
(including advertisers) with whom we have an ongoing
business relationship.
Credit Implications of Providing Your Personal
Information
Our
participating third party lenders may verify, without
limitation, your social security number and driver's
license number, or any other qualifying identification
and review your information against national databases
to determine credit worthiness, standing and/or
capacity. Please note that multiple inquiries on the
three national databases (Equifax, Transunion and
Experian) may result in a lowered credit score. By
submitting your information you agree to allow third
party providers to verify your information and check
your credit as described in their policies and terms.
Security
We take
reasonable and appropriate security precautions to
secure the personal information that you choose to
provide against the loss, misuse, alteration, or
unauthorized access of such information. Unfortunately,
no transmission of data over the Internet is guaranteed
to be completely secure. While we strive to protect your
personal information, we cannot ensure or warrant the
security or confidentiality of any personal information
you transmit to us.
Interest Based Advertising
We may
partner with ad networks and other ad serving providers
(“Advertising Providers”) who serve ads on behalf of us
and others on non-affiliated sites. Some of those ads
may be personalized, meaning that they are intended to
be relevant to you based on information Advertising
Providers collect about your visits to this site and
elsewhere over time. Our Advertising Providers use
cookies to personalize advertisements that you may see
on other websites.
Because
an industry-standard Do-Not-Track protocol has not yet
been established, we will not change your browsing
experience based on any “Do Not Track” signals that may
be sent by certain browsers or selected by you.
However,
you can visit www.cookiecentral.com and http://www.aboutads.info
to learn more about this type of advertising and how to
opt-out of this form of advertising by
companies participating in the Digital Advertising
Alliance (“DAA”) self-regulatory program. Note that
electing to opt-out will not stop advertising from
appearing in your browser or applications. It may make
the ads you see less relevant to your interests. In
addition, note that if you use a different browser or
erase cookies from your browser, you may need to renew
your opt-out choice. As each browser is different,
please check the help section of your browser for
instructions on how to remove cookies and learn about
other privacy and security settings that may be
available.
Children
We do not
direct the Website to, nor do we knowingly collect any
personal information from, children under the age of
thirteen.
Third Party Websites
The
Website may contain links to third-party websites,
including those for participating lenders, which may
have privacy policies that differ from our own.
Additionally, third party vendors (including Google) may
display advertisements for this site and our services.
We are not responsible for, nor do we endorse, any of
the activities and practices that take place on these
sites. Accordingly, we recommend that you review the
privacy policy posted on any external site before
disclosing any personal information. Please contact
those websites directly if you have any questions about
their privacy policies.
Third Party Analytics
This site
uses your information, including age, gender, and
interests, to better understand the behavior of our
customers while on the Site and inform our marketing
efforts. Third party vendors (such as Google) may use
cookies to serve advertisements to you based on your
past visits to the site. You may opt out of the
automated collection of information by third-party
advertisers by changing your Google ads settings and
preferences at http://www.google.com/ads/preferences.
You may also learn more about Google’s privacy practices
by visiting http://www.google.com/privacypolicy.html.
Contact Us
If we
need, or are required, to contact you concerning any
event that involves your information, we may do so by
email, telephone, or mail. If you have questions or
concerns about this Privacy Policy, you can contact us
by email at: contact@DebtCash.com. If we need, or are
required, to contact you concerning any event that
involves your information, we may do so by email,
telephone, or mail.
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