Last updated: July 15, 2024
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Business, for the purpose of the CCPA (California Consumer Privacy Act), refers to the Company as the legal entity that collects Consumers' personal information and determines the purposes and means of the processing of Consumers' personal information, or on behalf of which such information is collected and that alone, or jointly with others, determines the purposes and means of the processing of consumers' personal information, that does business in the State of California.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Loans On Demand, 7560 University Ave Suite A, La Mesa, CA 91942.
Consumer, for the purpose of the CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in the USA for other than a temporary or transitory purpose, and (2) every individual who is domiciled in the USA who is outside the USA for a temporary or transitory purpose.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: California, United States
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Do Not Track (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
Personal Data is any information that relates to an identified or identifiable individual.For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or in directly, with You.
Sale, for the purpose of the CCPA (California Consumer Privacy Act), means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer's personal information to another business or a third party for monetary or other valuable consideration.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of theCompany, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Loans On Demand, accessible from loansondemand.io
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
Collecting and Using Your Personal Data
Types of Data Collected
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Usage Data
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited o, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
· Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
· Flash Cookies. Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies. For more information on how You can delete Flash Cookies, please read "Where can I change the settings for disabling, or deleting local shared objects?" available at https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html#main_Where_can_I_change_the_settings_for_disabling__or_deleting_local_shared_objects_
· Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. You can learn more about cookies here: All About Cookies by Terms Feed.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary/ Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
Use of Your Personal Data
The Company may use Personal Data for the followingpurposes:
· Toprovide and maintain our Service, including to monitor the usage of ourService.
· To manageYour Account: to manage Your registration as a user of the Service. ThePersonal Data You provide can give You access to different functionalities ofthe Service that are available to You as a registered user.
· For theperformance of a contract: the development, compliance and undertaking ofthe purchase contract for the products, items or services You have purchased orof any other contract with Us through the Service.
· Tocontact You: To contact You by email, telephone calls, SMS, or otherequivalent forms of electronic communication, such as a mobile application'spush notifications regarding updates or informative communications related tothe functionalities, products or contracted services, including the securityupdates, when necessary or reasonable for their implementation.
· Toprovide You with news, special offers and general information about othergoods, services and events which we offer that are similar to those that youhave already purchased or enquired about unless You have opted not to receivesuch information.
· To manageYour requests: To attend and manage Your requests to Us.
· Todeliver targeted advertising to You: We may use Your information to developand display content and advertising (and work with third-party vendors who doso) tailored to Your interests and/or location and to measure itseffectiveness.
· Forbusiness transfers: We may use Your information to evaluate or conduct amerger, divestiture, restructuring, reorganization, dissolution, or other saleor transfer of some or all of Our assets, whether as a going concern or as partof bankruptcy, liquidation, or similar proceeding, in which Personal Data heldby Us about our Service users is among the assets transferred.
· For otherpurposes: We may use Your information for other purposes, such as dataanalysis, identifying usage trends, determining the effectiveness of ourpromotional campaigns and to evaluate and improve our Service, products,services, marketing and your experience.
We may share Your personal information in the followingsituations:
· With Service Providers: We may share Your personal information with ServiceProviders to monitor and analyze the use of our Service, to advertise on thirdparty websites to You after You visited our Service, to contact You.
· For business transfers: We may share or transfer Your personal information inconnection with, or during negotiations of, any merger, sale of Company assets,financing, or acquisition of all or a portion of Our business to anothercompany.
· With Affiliates: We may share Your information with Our affiliates, in whichcase we will require those affiliates to honor this Privacy Policy. Affiliatesinclude Our parent company and any other subsidiaries, joint venture partnersor other companies that We control or that are under common control with Us.
· With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
· With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
· With Your consent: We may disclose Your personal information for any other purpose with Your consent.
Retention of Your Personal Data
The Company will retain Your Personal Data only for as longas is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
· Comply with a legal obligation
· Protect and defend the rights or property of the Company
· Prevent or investigate possible wrongdoing in connection with the Service
· Protect the personal safety of Users of the Service or the public
· Protect against legal liability
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee it's absolute security.
Detailed Information on the Processing of Your Personal Data
The Service Providers We use may have access to Your Personal Data. These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies.
Behavioral Remarketing
The Company uses remarketing services to advertise to You after You accessed or visited our Service. We and Our third-party vendors use cookies and non-cookie technologies to help Us recognize Your Device and understand how You use our Service so that We can improve our Service to reflect Your interests and serve You advertisements that are likely to be of more interest to You.
These third-party vendors collect, store, use, process and transfer information about Your activity on Our Service in accordance with their Privacy Policies and to enable Us to:
· Measure and analyze traffic and browsing activity on Our Service
· Show advertisements for our products and/or services to You on third-party websites or apps
· Measure and analyze the performance of Ouradvertising campaigns
Some of these third-party vendors may use non-cookietechnologies that may not be impacted by browser settings that block cookies.Your browser may not permit You to block such technologies. You can use thefollowing third-party tools to decline the collection and use of informationfor the purpose of serving You interest-based advertising:
· The NAI's opt-out platform: http://www.networkadvertising.org/choices/
· The EDAA's opt-out platform http://www.youronlinechoices.com/
· The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN
You may opt-out of all personalized advertising by enabling privacy features on Your mobile device such as Limit Ad Tracking (iOS) and OptOut of Ads Personalization (Android). See Your mobile device Help system formore information.
We may share information, such as hashed email addresses (ifavailable) or other online identifiers collected on Our Service with thesethird-party vendors. This allows Our third-party vendors to recognize anddeliver You ads across devices and browsers. To read more about thetechnologies used by these third-party vendors and their cross-devicecapabilities please refer to the Privacy Policy of each vendor listed below.
The third-party vendors We use are:
GoogleAds (AdWords)
Google Ads (AdWords) remarketing service isprovided by Google Inc.
You can opt-out of Google Analytics forDisplay Advertising and customise the Google Display Network ads by visitingthe Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing theGoogle Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout- for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacypractices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Facebook
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/516147308587266
To opt-out from Facebook's interest-basedads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
Facebook adheres to the Self-RegulatoryPrinciples for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and otherparticipating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/,the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the EuropeanInteractive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/,or opt-out using your mobile device settings.
For more information on the privacypractices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation
AdRoll
AdRoll remarketing service is provided byNextRoll, Inc.
You can opt-out of AdRoll remarketing byvisiting this AdRoll Advertising Preferences web page: http://info.evidon.com/pub_info/573?v=1&nt=1&nw=falseor the Opt Out of Personalized Advertising web page: https://help.adroll.com/hc/en-us/articles/216599538-Opting-Out-of-Personalized-Advertising
If You are a California resident, please readthe "Information For California Residents Only" section in the Privacy Policy of NextRoll, Inc.: https://www.nextroll.com/privacy#service-13
For more information on the privacy practicesof AdRoll, please visit the NextRoll, Inc. Privacy Policy web page: https://www.nextroll.com/privacy
CCPA Privacy
This privacy notice section for California residentssupplements the information contained in Our Privacy Policy and it appliessolely to all visitors, users, and others who reside in the State of California.
Categories of Personal Information Collected
We collect information that identifies, relates to,describes, references, is capable of being associated with, or could reasonablybe linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of personal information which we may collector may have been collected from California residents within the last twelve(12) months.
Please note that the categories and examples provided in thelist below are those defined in the CCPA. This does not mean that all examplesof that category of personal information were in fact collected by Us, butreflects our good faith belief to the best of our knowledge that some of thatinformation from the applicable category may be and may have been collected.For example, certain categories of personal information would only be collectedif You provided such personal information directly to Us.
CategoryA: Identifiers.
Examples: A real name, alias, postaladdress, unique personal identifier, online identifier, Internet Protocoladdress, email address, account name, driver's license number, passport number,or other similar identifiers.Collected: Yes.
CategoryB: Personal information categories listed in the California Customer Recordsstatute (Cal. Civ. Code § 1798.80(e)).
Examples: A name, signature, SocialSecurity number, physical characteristics or description, address, telephonenumber, passport number, driver's license or state identification card number,insurance policy number, education, employment, employment history, bankaccount number, credit card number, debit card number, or any other financialinformation, medical information, or health insurance information. Somepersonal information included in this category may overlap with othercategories.Collected: Yes.
CategoryC: Protected classification characteristics under California or federal law.
Examples: Age (40 years or older), race,color, ancestry, national origin, citizenship, religion or creed, maritalstatus, medical condition, physical or mental disability, sex (includinggender, gender identity, gender expression, pregnancy or childbirth and relatedmedical conditions), sexual orientation, veteran or military status, geneticinformation (including familial genetic information).Collected: No.
CategoryD: Commercial information.
Examples: Records and history of productsor services purchased or considered.Collected: No.
CategoryE: Biometric information.
Examples: Genetic, physiological,behavioral, and biological characteristics, or activity patterns used toextract a template or other identifier or identifying information, such as,fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke,gait, or other physical patterns, and sleep, health, or exercise data.Collected: No.
CategoryF: Internet or other similar network activity.
Examples: Interaction with our Service oradvertisement.Collected: Yes.
CategoryG: Geolocation data.
Examples: Approximate physical location.Collected: No.
CategoryH: Sensory data.
Examples: Audio, electronic, visual,thermal, olfactory, or similar information.Collected: No.
CategoryI: Professional or employment-related information.
Examples: Current or past job history orperformance evaluations.Collected: No.
CategoryJ: Non-public education information (per the Family Educational Rights andPrivacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Examples: Education records directlyrelated to a student maintained by an educational institution or party actingon its behalf, such as grades, transcripts, class lists, student schedules,student identification codes, student financial information, or studentdisciplinary records.Collected: No.
CategoryK: Inferences drawn from other personal information.
Examples: Profile reflecting a person'spreferences, characteristics, psychological trends, predispositions, behavior,attitudes, intelligence, abilities, and aptitudes.Collected: No.
Under CCPA, personal information does not include:
· Publicly available information from governmentrecords
· Deidentified or aggregated consumer information
· Information excluded from the CCPA's scope, suchas:
· Health or medical information covered by theHealth Insurance Portability and Accountability Act of 1996 (HIPAA) and theCalifornia Confidentiality of Medical Information Act (CMIA) or clinical trialdata
· Personal Information covered by certainsector-specific privacy laws, including the Fair Credit Reporting Act (FRCA),the Gramm-Leach-Bliley Act (GLBA) or California Financial Information PrivacyAct (FIPA), and the Driver's Privacy Protection Act of 1994
Sources of Personal InformationWe obtain the categories of personal information listedabove from the following categories of sources:
· Directlyfrom You. For example, from the forms You complete on our Service,preferences You express or provide through our Service.
· Indirectlyfrom You. For example, from observing Your activity on our Service.
· Automaticallyfrom You. For example, through cookies We or our Service Providers set onYour Device as You navigate through our Service.
· FromService Providers. For example, third-party vendors to deliver targetedadvertising to You, or other third-party vendors that We use to provide theService to You.
Use of Personal Information for Business Purposes or Commercial Purposes
We may use or disclose personal information We collect for"business purposes" or "commercial purposes" (as definedunder the CCPA), which may include the following examples:
· To operate our Service and provide You with ourService.
· To provide You with support and to respond toYour inquiries, including to investigate and address Your concerns and monitorand improve our Service.
· To fulfill or meet the reason You provided theinformation. For example, if You share Your contact information to ask aquestion about our Service, We will use that personal information to respond toYour inquiry.
· To respond to law enforcement requests and asrequired by applicable law, court order, or governmental regulations.
· As described to You when collecting Yourpersonal information or as otherwise set forth in the CCPA.
· For internal administrative and auditingpurposes.
· To detect security incidents and protect againstmalicious, deceptive, fraudulent or illegal activity, including, whennecessary, to prosecute those responsible for such activities.
Please note that the examples provided above areillustrative and not intended to be exhaustive. For more details on how we usethis information, please refer to the "Use of Your Personal Data"section.
If We decide to collect additional categories of personal informationor use the personal information We collected for materially different,unrelated, or incompatible purposes We will update this Privacy Policy.
Disclosure of Personal Information for Business Purposes or CommercialPurposes
We may use or disclose and may have used or disclosed in thelast twelve (12) months the following categories of personal information forbusiness or commercial purposes:
Category A: Identifiers
Category B: Personal information categorieslisted in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
Category F: Internet or other similar networkactivity
Please note that the categories listed above are thosedefined in the CCPA. This does not mean that all examples of that category ofpersonal information were in fact disclosed, but reflects our good faith beliefto the best of our knowledge that some of that information from the applicablecategory may be and may have been disclosed.
When We disclose personal information for a business purposeor a commercial purpose, We enter a contract that describes the purpose andrequires the recipient to both keep that personal information confidential andnot use it for any purpose except performing the contract.
Sale of Personal Information
As defined in the CCPA, "sell" and"sale" mean selling, renting, releasing, disclosing, disseminating,making available, transferring, or otherwise communicating orally, in writing,or by electronic or other means, a consumer's personal information by the businessto a third party for valuable consideration. This means that We may havereceived some kind of benefit in return for sharing personal information, but not necessarily a monetary benefit.
Please note that the categories listed below are thosedefined in the CCPA. This does not mean that all examples of that category ofpersonal information were in fact sold, but reflects our good faith belief tothe best of our knowledge that some of that information from the applicablecategory may be and may have been shared for value in return.
We may sell and may have sold in the last twelve (12) months the following categories of personal information:
Category A: Identifiers
Category B: Personal information categorieslisted in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
Category F: Internet or other similar networkactivity
Share of Personal Information
We may share Your personal information identified in theabove categories with the following categories of third parties:
Service Providers
Our affiliates
Our business partners
Third party vendors to whom You or Youragents authorize Us to disclose Your personal information in connection withproducts or services We provide to You
Sale of Personal Information of Minors Under 16 Years of Age
We do not knowingly collect personal information from minors under the age of 16 through our Service, although certain third party websitesthat we link to may do so. These third-party websites have their own terms ofuse and privacy policies and we encourage parents and legal guardians to monitor their children's Internet usage and instruct their children to neverprovide information on other websites without their permission.
We do not sell the personal information of Consumers Weactually know are less than 16 years of age, unless We receive affirmativeauthorization (the "right to opt-in") from either the Consumer who isbetween 13 and 16 years of age, or the parent or guardian of a Consumer lessthan 13 years of age. Consumers who opt-in to the sale of personal information mayopt-out of future sales at any time. To exercise the right to opt-out, You (or Your authorized representative) may submit a request to Us by contacting Us.If You have reason to believe that a child under the age of13 (or 16) has provided Us with personal information, please contact Us withsufficient detail to enable Us to delete that information.Your Rights under the CCPAThe CCPA provides California residents with specific rightsregarding their personal information. If You are a resident of California, Youhave the following rights:
· The right to notice. You have the right to be notified which categories of PersonalData are being collected and the purposes for which the Personal Data is beingused.
· The rightto request. Under CCPA, You have the right to request that We discloseinformation to You about Our collection, use, sale, disclosure for businesspurposes and share of personal information. Once We receive and confirm Yourrequest, We will disclose to You:
· The categories of personal information Wecollected about You
· The categories of sources for the personalinformation We collected about You
· Our business or commercial purpose forcollecting or selling that personal information
· The categories of third parties with whom Weshare that personal information
· The specific pieces of personal information Wecollected about You
· If we sold Your personal information ordisclosed Your personal information for a business purpose, We will disclose to You:
· The categories of personal informationcategories sold
· The categories of personal informationcategories disclosed
· The rightto say no to the sale of Personal Data (opt-out). You have the right todirect Us to not sell Your personal information. To submit an opt-out requestplease contact Us.
· The right to delete Personal Data. You have the right to request the deletion of YourPersonal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Yourpersonal information from our records, unless an exception applies. We may denyYour deletion request if retaining the information is necessary for Us or OurService Providers to:
· Complete the transaction for which We collectedthe personal information, provide a good or service that You requested, takeactions reasonably anticipated within the context of our ongoing businessrelationship with You, or otherwise perform our contract with You.
· Detect security incidents, protect againstmalicious, deceptive, fraudulent, or illegal activity, or prosecute thoseresponsible for such activities.
· Debug products to identify and repair errorsthat impair existing intended functionality.
· Exercise free speech, ensure the right ofanother consumer to exercise their free speech rights, or exercise anotherright provided for by law.
· Comply with the California ElectronicCommunications Privacy Act (Cal. Penal Code § 1546 et. seq.).
· Engage in public or peer-reviewed scientific,historical, or statistical research in the public interest that adheres to allother applicable ethics and privacy laws, when the information's deletion maylikely render impossible or seriously impair the research's achievement, if Youpreviously provided informed consent.
· Enable solely internal uses that are reasonablyaligned with consumer expectations based on Your relationship with Us.· Comply with a legal obligation.
· Make other internal and lawful uses of thatinformation that are compatible with the context in which You provided it.
· The right not to be discriminated against. You have the right not to be discriminatedagainst for exercising any of Your consumer's rights, including by:
· Denying goods or services to You
· Charging different prices or rates for goods orservices, including the use of discounts or other benefits or imposingpenalties
· Providing a different level or quality of goodsor services to You
· Suggesting that You will receive a differentprice or rate for goods or services or a different level or quality of goods or services
Exercising Your CCPA Data Protection Rights
In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:
By email: support@loansondemand.io
By visiting this page on our website: https://www.loansondemand.io/contact
Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.
Your request to Us must:
· Provide sufficient information that allows Us toreasonably verify You are the person about whom We collected personalinformation or an authorized representative
· Describe Your request with sufficient detailthat allows Us to properly understand, evaluate, and respond to it
We cannot respond to Your request or provide You with therequired information if We cannot:
· Verify Your identity or authority to make the request
· And confirm that the personal informationrelates to You
We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time periodto provide the required information may be extended once by an additional 45days when reasonable necessary and with prior notice.
Any disclosures We provide will only cover the 12-monthperiod preceding the verifiable request's receipt.
For data portability requests, We will select a format toprovide Your personal information that is readily useable and should allow Youto transmit the information from one entity to another entity withouthindrance.
Do Not Sell My Personal Information
You have the right to opt-out of the sale of Your personalinformation. Once We receive and confirm a verifiable consumer request fromYou, we will stop selling Your personal information. To exercise Your right toopt-out, please contact Us.
The Service Providers we partner with (for example, our analyticsor advertising partners) may use technology on the Service that sells personalinformation as defined by the CCPA law. If you wish to opt out of the use ofYour personal information for interest-based advertising purposes and thesepotential sales as defined under CCPA law, you may do so by following theinstructions below.
Please note that any opt out is specific to the browser Youuse. You may need to opt out on every browser that You use.
Website
You can opt out of receiving ads that are personalized asserved by our Service Providers by following our instructions presented on theService:
· The NAI's opt-out platform: http://www.networkadvertising.org/choices/
· The EDAA's opt-out platform http://www.youronlinechoices.com/
· The DAA's opt-out platform: http://optout.aboutads.info/?c=2&lang=EN
The opt out will place a cookie on Your computer that isunique to the browser You use to opt out. If you change browsers or delete thecookies saved by your browser, You will need to opt out again.
Mobile Devices
Your mobile device may give You the ability to opt out ofthe use of information about the apps You use in order to serve You ads thatare targeted to Your interests:
· "Opt out of Interest-Based Ads" or"Opt out of Ads Personalization" on Android devices
· "Limit Ad Tracking" on iOS devices
You can also stop the collection of location informationfrom Your mobile device by changing the preferences on Your mobile device.
"Do Not Track" Policy as Required by CaliforniaOnline Privacy Protection Act (CalOPPA)
Our Service does not respond to Do Not Track signals.
However, some third party websites do keep track of Yourbrowsing activities. If You are visiting such websites, You can set Yourpreferences in Your web browser to inform websites that You do not want to betracked. You can enable or disable DNT by visiting the preferences or settingspage of Your web browser.
Children's Privacy
Our Service does not address anyone under the age of 13. Wedo not knowingly collect personally identifiable information from anyone underthe age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 withoutverification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, Wemay require Your parent's consent before We collect and use that information.
Your California Privacy Rights (California's Shine the Lightlaw)
Under California Civil Code Section 1798 (California's Shinethe Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Datawith third parties for the third parties' direct marketing purposes.
If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.
California Privacy Rights for Minor Users (CaliforniaBusiness and Professions Code Section 22581)
California Business and Professions Code section 22581 allowCalifornia residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.
To request removal of such data, and if You are a Californiaresident, You can contact Us using the contact information provided below, andinclude the email address associated with Your account.
Be aware that Your request does not guarantee complete orcomprehensive removal of content or information posted online and that the lawmay not permit or require removal in certain circumstances.
Links to Other Websites
Our Service may contain links to other websites that are notoperated by Us. If You click on a third party link, You will be directed tothat third party's site. We strongly advise You to review the Privacy Policy of every site You visit.We have no control over and assume no responsibility for thecontent, privacy policies or practices of any third party sites or services.Changes to this Privacy PolicyWe may update Our Privacy Policy from time to time. We willnotify You of any changes by posting the new Privacy Policy on this page.We will let You know via email and/or a prominent notice onOur Service, prior to the change becoming effective and update the "Lastupdated" date at the top of this Privacy Policy.You are advised to review this Privacy Policy periodicallyfor any changes. Changes to this Privacy Policy are effective when they areposted on this page.
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: support@loansondemand.io
By visiting this page on our website: https://www.loansondemand.io/contact
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