Privacy Policy

Effective Date: 7/1/2013

Thank you for visiting LoanSource.com (“the Site”) and reviewing our Privacy Policy, effective as of the date listed above. This Privacy Policy (this “Policy”) describes the types of information that we may collect from you through this Site and how we may use or share that information.

By accessing or using this Site, you agree to be bound by the terms and conditions of this Policy. If you do not agree with the terms of this Policy, please do not use or access the Site.

Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you review this page each time you interact with this Site to ensure your continuing familiarity with our current privacy practices. All amended terms shall be automatically effective after they are posted on the Site. Your continued use of the Site after such changes have been posted constitutes your agreement to the changes.

What Personally Identifiable Information does the Site collect?

We collect information that may identify you (“personally identifiable information”) when you provide it to us through the Site, including when you complete and submit an application to be matched with a lender participating in our network of lenders. The types of personally identifiable information we may collect include, without limitation, your first and last name, zip code, telephone number, desired loan type, desired loan amount, and additional information related to the desired loan type. We may ask that you information that identifies other individuals close to you, such as the name of your supervisor at your place of employment and his or her telephone number. Additionally, we may save browsing and data log information linked to your usage of the Site. We may combine personally identifiable information we collect from you through the Site with other information about you that we receive from third party sources. By way of example and not limitation, we may use a change of address or other list service to ensure that our records for your loan matching application are accurate.

What other types of information does the Site collect?

We may collect certain non-personal information about you including, without limitation, your IP address and the referring domain from which you accessed our Site. Non-personal information is information that does not personally identify you. Other non-personal information we may collect includes browsing behavior, date and time of visit, the pages visited, time spent viewing the Site, return visits to the Site, and click-stream data. We do not track any information about you once you leave the Site. We may aggregate non-personal information about you with the non-personal information of other users of the Site, in which case we will not associate non-personal information with any personal information about you. In other circumstances, we may associate non-personal information with personally identifiable information you provide to us for the purposes described below.

What are “cookies” and how does the Site use them?

Data collection devices, “cookies” (including without limitation “confirmation pixels” for crediting affiliate marketers and/or for other purposes) are used to store, and sometimes track, information about you. Generally, cookies help provide personalized services and promote trust and safety. A cookie is a small file containing a small amount of data that is sent to your browser from a web server and placed on your computer’s hard drive to assist us in providing our services. All pages on the Site where you are prompted to login or that are customizable may require that you accept cookies. Our cookies are only read by the server that placed them and are unable to execute any code or virus.

More specifically, we may use cookies to:

  1. Remind us of who you are when you access your account information and/or use the service in order to deliver to you a more personalized service;
  2. Measure your visiting patterns in the aggregate. Aggregate data (data gathered across all user accounts) may be gathered in a non-personally identifiable form to build higher quality online services by performing statistical analyses of the collective characteristics and behavior of our visitors, such as how long and how often users view certain pages;
  3. Determine your clickstream to the Site;
  4. Better personalize the content that you and other users will see on the Site;
  5. Collect IP addresses and log-in information for system administration;
  6. Automatically share some information with Google Analytics and/or other analytics programs to analyze a broad range of information. However, the analytics are exclusively for our internal use to better manage the website experience for our visitors and evaluate advertising strategies and tactics; and
  7. Other purposes to assist us in delivering the highest quality service possible. You are always free to decline our cookies if your browser permits.

How do you use my information?

We use your information to provide the lender matching services for which you apply and to provide other products, services, and information that you request through the Site. We also may use your personal information to resolve disputes, troubleshoot problems, respond to your inquiries, detect and protect against error, fraud, or other criminal activity, enforce our Terms of Service, and for any other purposes that we deem appropriate.

We may use your information to contact you (by email, phone, text message and/or mail) for our own marketing or business purposes, such as to provide information about our new features of our loan matching service and special offers from our marketing partners. We may also use your information to contact you regarding any problems with your application or account and for any issues related to website misuse.

What information is collected by third party advertisers?

In order to provide services free of charge, we may display advertisements. By accessing or using this Site, you expressly agree to receive these advertisements. The advertiser never has access to individual account information that you provide to us through the application process to connect you with a lender. However, these advertisers may use their own tracking technologies, including cookies, to collect information about you and other users of this Site who view or interact with their advertisements.

Please be advised that when you click on an advertiser’s advertisement on our Site, you may be redirected to a different website operated by that advertiser or that advertiser’s marketing partner. The information practices of those third party websites are not covered by this Policy. You should review the privacy statements and terms of use of all third party web sites you access.

With whom does the Site share my information?

We may share your personally identifiable information (including, without limitation, your bank account information and social security number) with lenders participating in our lender network and with other third parties with whom we have a business relationship. Those lenders and third parties may use your personally identifiable information to evaluate your qualifications to receive a loan, or to communicate with you about other marketing or business offers via telephone, email, direct mail, text message [std. text message rates may apply], or other channels. In addition, we may share some or all of your personally identifiable information with third party marketers and list managers with whom we have a business relationship, and these third party marketers and list managers may use your personally identifiable information to communicate with you about other marketing or business offers via telephone, email, direct mail, text message [std. text message rates may apply], or other channels.

We may disclose your personally identifiable information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be violating our policies as specified in the Privacy Policy or relevant Terms of Service, violating state or federal law, or causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of the Site, or anyone else that could be harmed by such activities. We may disclose your personally identifiable information when we believe that the law requires it (such as in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency) and for administrative and other such purposes that we deem necessary to maintain and improve our services. In addition, in the event that all or substantially all of our stock and/or assets or transferred or sold to another entity, we may transfer personally identifiable information to the acquiring entity.

You understand and agree that we may obtain a consumer credit report in connection with this application and in connection with any updates, renewals, refinances or extensions of any credit as a result of this application. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that we may investigate your credit, employment and financial status and value of your collateral with 3rd parties which may include credit bureaus and other non-traditional sources of data in connection with the review of your application or collection of any loan made to you as a result of this application or for other legitimate purposes related to such loans

What are my choices regarding collection, use, and distribution of my information?

To access the personal information that this Site has collected about you, to correct factual errors in such information, or to update our records with respect to your personally identifiable information, please contact us using the information provided below. 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. We have elected the second option, and you may request that your personally identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address, to: LoanSource.com 15 Bull St Ste 200, Savannah, GA 31401. 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 dca@dca.ca.gov.

What security precautions are in place to protect the loss, misuse, or alteration of my information?

Whenever the Site handles your personal information, we take steps to ensure that your information is treated securely and in accordance with the relevant Terms of Service and this Policy. Your information is stored on our servers located in the United States. We use procedural and mechanical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. We cannot, therefore, warrant or ensure the security if any information you transmit to us or receive from us through the Internet, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

How is children’s privacy protected?

Persons under the age of 18 or the age of majority in their jurisdiction are not authorized to use the Site. Those persons are prohibited from submitting any personal information to us.

Additional Information – Contact Us

Any questions regarding this Policy should be directed to us via the Contact Us form

THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans and does not make decisions about cash advances, payday loans, or credit. This Website does not constitute an offer or solicitation for a loan. The operator of this Website is not an agent, representative or broker of any loan company, and does not endorse or charge users for any service or product. Not all payday loan companies can provide a user’s requested loan. Cash transfer times vary for each loan company and also depend on a user’s individual financial institution. Repayment terms vary for each oan company, and not everyone will qualify for certain  terms. In some circumstances faxing may be required. If a user has questions or concerns regarding specific cash advance or loan agreements that have been entered into with a specific company, the user must contact his or her loan company directly.

Residents of Georgia, Massachusetts, Virginia & West Virginia are not eligible to use this Website’s payday loan and cash advance referral service. This Website’s payday loan and cash advance referral service is not available in all states, and the states serviced by this Website may change from time to time and without notice.

Rev. 07/2013

FACTS

WHAT DOES LOANSOURCE DO WITH YOUR PERSONAL INFORMATION?
   

 

 Why? Lenders choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires Lenders to tell you how they collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

 What? The types of personal information we collect and share depend on the product or your loan request. This information can include:Social Security number and income, name, address, telephone number, email address, driver’s license number, military status, information about your spouse or dependent, identification of individuals close to you such as your job supervisorbanking account information, ABA/Routing numbers, and employment informationcredit history and assets including whether you rent or own, income source, how you get paid, how often you get paid, length of time with employer and bank, and next two pay datesIP address, browsing and log data, your desired loan amount and any other information that may be required in a loan application 

We use cookies to allow faster and easier access to your account information, monitor traffic on the site and measure traffic patterns to improve the website. We

may combine personal information we collect from you with other information about you that we receive from third party sources, such as to ensure our loan matching application records are accurate.

 

 How? All loan marketing companies need to share customers’ personal information to put you in contact with Lenders. In the section below, we list the reasons we can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing. In the event of a transaction involving the sale of some or all of our businesses, customer and site visitor information may be one of the transferred assets and may be disclosed in connection with negotiations relating to a proposed transaction.  In such case, the transferred information may become subject to a different privacy policyYou understand and agree that we may obtain a consumer credit report in connection with this application and in connection with any updates, renewals, refinances or extensions of any credit as a result of this application. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that we may investigate your credit, employment and financial status and value of your collateral with 3rd parties which may include credit bureaus and other non-traditional sources of data in connection with the review of your application or collection of any loan made to you as a result of this application or for other legitimate purposes related to such loans.

 

Reasons we can share your personal information

Does COMPANY
share?

Can you limit this sharing?

For our everyday business purposes – such as to forward your application information to Lenders in our network, respond to court orders and legal investigations

Yes

No

For our marketing purposes – to offer our loan marketing services to you

Yes

No

For joint marketing with Lenders and marketing affiliates

Yes

No

For our affiliates’ everyday business purposes – information about your loan applications and inquiries

Yes

No

For our affiliates’ everyday business purposes –information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

For nonaffiliates, to market to you – we send your information to third party marketers and list managers

Yes

Yes

 

To limit our sharing Email us at inquiries@loansource.com– to request a change in how we share your information.

 

Questions?

Email us at inquiries@loansource.com

Who are we
Who is providing this notice? LeadFlow 365, LLC d/b/a LoanSource
What do we do
How does LOANSOURCE protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.  Unless specifically designated on our website, we do not use encryption.
How does LOANSOURCE collect my personal information? We collect your personal information, for example, when youinquire for a loan or give us your income or other personal informationfill out an online form on our Websiteopen an account or provide employment informationshow us your government issued IDWe also collect your personal information from others, such as credit bureaus, affiliates, lenders, lead generators, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit onlysharing for affiliates’ everyday business purposes informationabout your creditworthinessaffiliates from using your information to market yousharing for nonaffiliates to market youState laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.Our joint marketing partners include lenders; banks; lender generators and affiliate networks
Other Important Information
Residents of Georgia, Massachusetts, Virginia, & West Virginia are not eligible to use this web site’s loan referral service.  This web site’s payday loan and cash advance referral service is not available in all states, and the states serviced by this web site may change from time to time and without notice.
  

Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you review this page each time you interact with this website to ensure your continuing familiarity with our current privacy practices. All amended terms will be automatically effective after they are posted on the website. Your continued use of the website after such changes have been posted constitutes your agreement to the changes.

 

Access to Loan Information

 

We have access to your personal and financial information when you inquire about a loan application.  When providing your Application information to loan marketing affiliates and lenders, we may provide a substitute e-mail address to the lender as your e-mail address to reduce the potential for unwanted e-mails and spam.

 

You understand that through this substitute e-mail address, we may have access to information regarding any loan made to you by a Lender or other correspondence sent to you by the Lender. We may also, at any time, provide Lenders with the actual e-mail address you provided on your Application. We do not use information in responses from the Lender except to route such information to you

 

Third Party Advertisers

 

In order to provide services free of charge, we may display advertisements. By accessing or using this website, you expressly agree to receive these advertisements. The advertiser never has access to individual account information that you provide to us through the application process to connect you with a lender. However, these advertisers may use their own tracking technologies, including cookies, to collect information about you and other users of this website who view or interact with their advertisements.

Please be advised that when you click on an advertiser’s advertisement on our website, you may be redirected to a different website operated by that advertiser or that advertiser’s marketing partner. The information practices of those third party websites are not covered by this policy. You should review the privacy statements and terms of use of all third party web sites you access

 

In addition, we may share some or all of your personally identifiable information with third party marketers and list managers with whom we have a business relationship, and these third party marketers and list managers may use your personally identifiable information to communicate with you about other marketing or business offers via telephone, email, direct mail, text message [std. text message rates may apply], or other channels

 

California residents may request that your personally identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address, to: 15 Bull Street, Suite 200, Savannah, GA  31401. 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 dca@dca.ca.gov

 

 

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