U.S. GOVERNING 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. Quick Loan Site makes no representation that this Website is operated in accordance with the laws or regulations of, or governed by, other nations.
Quick Loan Site does not solicit or knowingly collect personally identifiable information from children under the age of 13. If Quick Loan Site obtains actual knowledge that it has collected personally identifiable information from a child under the age of 13, Quick Loan Site will immediately delete such information from its database. Because Quick Loan Site does not collect personally identifiable information from children under the age of 13, Quick Loan Site has no such information to use or disclose to third parties.
INFORMATION COLLECTION PRACTICES
Traffic Data. Like most website operators, Quick Loan Site automatically gathers information of the sort that browsers automatically make available, including: (i) Internet Protocol (IP) addresses; (ii) domain servers; (iii) types of computers accessing the Website; (iv) types of Web browsers accessing the Website; and (v) full Uniform Resource Locator (“URL”) click stream data, including referring URLs, date and time, and content viewed or searched for on the Website (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you.
Cookies. A “Cookie” is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. The purpose of a Cookie is to identify the user as a unique user of the Website. Quick Loan Site uses “session” cookies to collect information about your use of the Website and to give you a more personalized browsing experience and help you navigate the Website more efficiently from page to page. These cookies are temporary and are deleted when you close your browser. Quick Loan Site uses “persistent” cookies to gather statistical information about repeat usage from your computer or workstation. For additional information on Quick Loan Site’ uses of Cookies, see the section concerning Information Use and Disclosure Practices/Traffic Data and Information Gathered Using Cookies and Web Beacons, below.
Web Beacons. “Web Beacons” (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to Cookies, and are used to track the online movements of web users or to access Cookies. Unlike Cookies which are stored on the user’s computer hard drive, Web Beacons are embedded invisibly on web pages (or in e-mail). Web Beacons may be used to deliver or communicate with Cookies, to count users who have visited certain pages and to understand usage patterns. For additional information on Quick Loan Site’ uses of Web Beacons, see the section concerning Information Use and Disclosure Practices/Traffic Data and Information Gathered Using Cookies & Web Beacons, below.
Ad Serving. Quick Loan Site uses third-parties for advertising and analytics for pages that we host. These third-parties may place Cookies on your machine, use Web Beacons, gather Personal Information, gather IP addresses and log data to collect traffic and activity data in order to deliver relevant metrics, content, and advertising. The collection of this information by third-parties are subject to such third-parties’ privacy policies. For additional information, see the section concerning Third-Party Websites, below.
Personal Information. During the loan application process, you will be asked to provide Quick Loan Site certain information that personally identifies you (“Personal Information”). Personal Information includes, without limitation: (1) “Identity/Contact Data” (such as your name, address, email address, social security number, driver’s license or state ID number, your employer and your employer’s address); (2) “Financial Information” (such as your bank, bank address, bank phone number, bank account type, length of time with your bank, your ABA routing number and your account number); (3 ) “Demographic Data” (such as your birthday, city/town, zip code, state, home ownership status, employment history, pay period frequency, next pay period and monthly income). In each case, you will be asked to provide Personal Information; the Website will not gather it surreptitiously. BY PROVIDING FINANCIAL ACCOUNT NUMBERS AND SOCIAL SECURITY NUMBERS, YOU THEREBY EXPRESSLY CONSENT THE COLLECTION BY ACQUISTION MEDIA OF SUCH INFORMATION. Quick Loan Site may supplement the Personal Information you provide with additional Personal Information gathered from public sources or from third-parties (e.g., consumer reporting agencies, third-party service providers, etc.) who may lawfully provide such information to Quick Loan Site.
INFORMATION USE AND DISCLOSURE PRACTICES
Traffic Data and Information Gathered Using Cookies and Web Beacons
Quick Loan Site analyzes Traffic Data and information gathered using Cookies and Web Beacons to help Quick Loan Site better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, Quick Loan Site is able to better design the Website to improve your experience, and to serve you more relevant and interesting content and advertisements. From time to time, Quick Loan Site may release Traffic Data and information gathered using Cookies and Web Beacons in the aggregate, such as by publishing a report on trends in the usage of the Website. Quick Loan Site does not attempt to link information gathered using Cookies or Web Beacons to Personal Information.
Generally. Quick Loan Site uses your Personal Information and Financial Information to identify you, to confirm facts about you, to send you information about Quick Loan Site and Quick Loan Site’ products and services, and to contact you when necessary in connection with your use of the website. Quick Loan Site uses 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 Quick Loan Site may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.
Disclosure Practices. Except under the following circumstances, Quick Loan Site will keep your Personal Information private, and will not sell or otherwise share it with third parties:
Disclosure to Parent Companies, Subsidiaries and Affiliates. Quick Loan Site discloses Personal Information to its parent companies, subsidiaries and affiliates for marketing and/or administrative purposes.
Disclosure to Lenders. Quick Loan Site refers consumers to lenders who provide short-term loans. Quick Loan Site discloses Personal Information to Lenders, 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.
Marketing Communications. Quick Loan Site provides your Personal Information to third parties, so that they may contact you directly, online and offline, 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 Quick Loan Site has already has provided your Personal Information. You will be responsible for contacting those third parties directly to request that you receive no further Marketing Communications.
Disclosure in Connection with Services. Quick Loan Site discloses Personal Information to those who help it provide Services, including those who perform technical, administrative and data processing tasks such as ad serving (see Section 2(d), above), email management, hosting, billing, fulfillment, and data storage and security.
By Law or to Protect Rights. Quick Loan Site discloses Personal Information when required to do so by law, or in response to a subpoena or court order, or when Quick Loan Site believes in its sole discretion that disclosure is reasonably necessary to protect the property or rights of Quick Loan Site, third parties or the public at large.
SECURITY OF PERSONAL INFORMATION
Quick Loan Site has implemented and maintains reasonable security procedures and practices to protect against the unauthorized access, use, modification, destruction or disclosure of your Personal Information.
EMAIL COMMUNICATIONS; MARKETING COMMUNICATIONS By completing an application through the Website, you consent to receive certain administrative email communications from Quick Loan Site. You also consent to receive periodic online and offline marketing communications from Quick Loan Site. You may opt-out of receiving Quick Loan Site marketing communications at any time by clicking here and following the opt-out instructions.
USER ABILITY TO ACCESS, UPDATE, AND CORRECT 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. You cannot update or delete previously submitted information. In the event that your information changes after you have submitted an application through the Website, you must submit a new application with your new or updated information.