Privacy Policy

The privacy policy will be broken down in simple terms below:

    As your financial needs provider, we are committed to safeguarding the individual privacy rights of all of our customers. We strongly believe that we have a responsibility to protect from disclosure to any unauthorized parties, your nonpublic and personal information. This policy applies to each and every customer. Therefore, we have adopted and implemented this privacy policy to protect your account and  your personal information. As our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, assets, and income.

Information Collection

    We will collect the following kinds of nonpublic personal information about you:

  • Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations; and
  • Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history.

    We may also collect information from consumer reporting agencies.

    We may, via “session cookies” on this website, use additional information to enhance the delivery of products, services, and information. A cookie is a small file that we transfer to customers’ computer hard drives. Cookies also enable us to ensure that only a customer’s  web browser may exchange information regarding a customer’s account with our servers. Session cookies are temporary files that are erased when customers close all web browsers. We do not use “persistent” cookies. These cookies do not contain any personally identifiable information. Our use of session cookies enables our website customers to avoid the problem of being asked to provide the same information repeatedly while customers move from page to page of the website.

No Information Sharing Policy

    We do not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.

Our Security Policy

    Securing of a customers’ nonpublic personal information is very important to us.  Our employees must sign a privacy pledge acknowledging that that they are aware of our policy regarding the use of and disclosure of customer information. Furthermore, we have implemented various security measures to protect  our customers’ personal information from loss, misuse, or alteration. When customers send any personal identifying information to us via this website, we require that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized persons from viewing any private information transmitted during through our website. Information transmitted between the our server and your computer must be sent only while in a secure mode or we will have no responsibility for any loss or exposure of personally identifying information to unauthorized third  parties during a secure SSL session.  Data passed between the customer’s computer and our servers are secured through the use of public key cryptography.  The customer’s computer exchanges key information with our servers to create a private conversation that only the customer’s computer and our servers may   understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information and for validation and verification purposes during your communications through our server and processing systems.

    While using this website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers’ browser. After leaving a secured session, any information transmitted to us will not be secure. For security purposes, we use special software programs to monitor web  site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to our website. These programs do not collect  personal identifying information about customers, but do enable us to collect information allowing us to identify website users attempting to tamper with this website. We maintain policies against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of our website and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in  such activity. Although we strive to protect and secure information submitted to us over the internet, your use of this website is strictly at your own risk. We make no representations that we can guarantee the security of any information sent by the users of this website during an unsecured session. We protect the security of our servers but are not be responsible for any virus, spy ware, ad ware, malicious codes, or hacker activity that may result in damage to your computer or theft of your identifying information.

Information Retention Policy

    We will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in  accordance with all applicable federal and state laws. If you would like to receive copies of any such information, you must notify us in writing  with your request so that the proper authentication and forwarding information can be verified.