Wednesday February 8th, 2012
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Privacy Policy (updated 02.02.2012) Credit Loan, LLC has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at This email address is being protected from spam bots, you need Javascript enabled to view it If you are not satisfied with our response you can contact TRUSTe here. Personally Identifiable Information This notice applies to all information collected or submitted on the creditloan.com website. We may collect all information you provide, whether through our website(s) or other channels which may include without limitation: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers and the best time to call you; (e) date of birth; (f) your Social Security Number; (g) whether or not you are a US citizen; (h) whether or not you are over eighteen (18) years of age; (i) whether or not you or a spouse are a regular or reserve member of the military; (j) your time at your current residence; (k) whether or not you rent or own your home; (l) your occupation, employer name and time spent at your current job; (m) the loan amount requested; (n) your annual, pre-tax income; (o) how you are paid; (p) how frequently you are paid; (q) the anticipated dates of your next two (2) paychecks; (r) the names, telephone numbers and source of relationship of two (2) personal references; and (s) any and all other information requested on the applicable registration form. For purposes of this Privacy Policy, items (k) through (r) in the preceding sentence shall be considered Sensitive Information. Use of Personally Identifiable Information By submitting your personal information, you understand and agree such personal information (including the Sensitive Information) may be shared with third-parties, including without limitation, Loan Providers in order to complete your request for Loan Products and/or other marketing purposes. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. These third party businesses may include, but are not limited to: consumer reporting agencies, consumer credit bureaus, financial service providers, Loan Providers, providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; wireless services providers and telemarketers. Furthermore, you authorize us to use any information collected from you to obtain other information about you from third-parties, such as your social security number, where such information was incompletely or improperly filled out on our registration form. Third–parties may also use your personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to any third-party or Loan Provider shall be governed by the applicable third party’s or Loan Providers' Privacy Policies. Any and all information that we collect from you and from any third-party may be used to determine your eligibility for any product, service or offer. Please be advised that CreditLoan™ does not itself provide Loan Products, Services, Brokering or Customer Service related to any application submitted by you, or any other related products and/or services. The ultimate terms and conditions of any Loan Products and Information provided by any Loan Providers will be determined by those Loan Providers. Please note: by submitting your personal information, your information is being provided by you freely. You further agree to receive marketing offers from us or third-party marketers, that we or they may believe may be of interest to you, and you expressly consent and agree to be contacted through but not limited to the following methods: (a) direct mail marketing; (b) e-mail marketing; (c) telemarketing calls (where permitted by applicable law); (d) SMS text-based messages (where permitted by applicable law); and (e) any other manner contemplated herein. By using this Website, you agree that you may be contacted in any manner contemplated in this section, even if your number is found on a do-not-call registry or similar registry. We may also use personal information for website administrative customer service, to provide our visitors with information which may be requested, to customize visitor experiences on the Site, and for internal business purposes, such as analyzing and managing our business. Third parties may be used to assist in the operation of this Site or to administer activities on our behalf. We specifically reserve the right to release current or past user information, as it is made available to us from third-parties, in the event the user is using, or has used, our products, services and/or Site: (i) in violation of the Site’s Terms and Conditions, this Privacy Policy or any of our operating rules, policies, and/or other supplemental terms and conditions or documents that may be published from time to time; (ii) to commit unlawful acts; (iii) if such information is subpoenaed or requested pursuant to a judicial or regulatory proceeding or inquiry; (iv) if this Site is sold or acquired; and/or (v) when deemed necessary or appropriate including, without limitation to, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission implementing regulations. By registering, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the “Rule”) and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable federal or state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations. In addition, by submitting your personal information, you agree to receive mobile marketing including, but not limited to, text-message based marketing, from us and our third party advertisers and marketers (where, and to the extent that, such marketing is permitted by applicable law). You further agree that based on your individual carrier and plan, you may incur charges associated with such SMS Messages and that you agree to be solely responsible for such charges. You represent that you are at least 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. Should you hereafter choose to opt-out of receiving SMS Messages from the individual sender, you may opt-out by texting "STOP" or "OPT-OUT" as specifically set forth in the communication. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via SMS Messages. In addition, by registering and/or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time. As such, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law. Further, you agree that we reserve the right to share, sell, rent, lease and/or otherwise distribute your mobile telephone and other mobile data with/to any third-party for any and all non-marketing uses permitted by this Privacy Policy and applicable law. Without limiting the generality of the foregoing, we reserve the right to share, sell, rent, lease and/or otherwise distribute any and all personal information (other than the Sensitive Information) with/to any third party for any and all uses permitted by this Privacy Policy and applicable law. If you have questions or concerns regarding this statement, you should first contact This email address is being protected from spam bots, you need Javascript enabled to view it If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with us to resolve your concerns. Credit Loan, LLC is committed to protecting your privacy when you visit our web site. You can access Creditloan.com and browse our site without disclosing any of your personal data. Non-Personally Identifiable Information We may also use your IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns, and administer and improve the site. This statistical information may also be related to third parties, track user's movement, and gather demographic and profile information for aggregate use. We may also use third-party analytics services to record information, including without limitation, mouse clicks, mouse movements, and scrolling activity as well as text you type in the Web site, which may be used by us or third-parties to understand how users interact with the site. Access to Personally Identifiable Information If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate your information by emailing our Customer Support at This email address is being protected from spam bots, you need Javascript enabled to view it , or by contacting us by telephone or postal mail at the contact information listed below. Phone: 813-421-1589 Mailing Address: Credit Loan, LLC Attn: Customer Support 235 APOLLO BEACH BLVD, STE 218 Apollo Beach, Florida 33572 Our Commitment to Children's Privacy Protecting the privacy of young children is important to us. For that reason, we do not collect or maintain information from those believed or actually known to be under 18 years of age, and no part of our site is structured to attract anyone under 18 years of age. Email Campaigns We use your e-mail address to: Send you newsletters, and other customer related material. Creditloan.com has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from creditloan.com please report it to us at This email address is being protected from spam bots, you need Javascript enabled to view it We will never ask you to provide non-public or sensitive information in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting non-public or sensitive information the e-mail. Contact us immediately at 813-421-1589 or by e-mail at This email address is being protected from spam bots, you need Javascript enabled to view it We do not store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email. Creditloan.com will not use or store your email address in our database from such correspondence. Choice/Opt-out You may opt-out of receiving communications from us and or our third-party associates by not submitting your information. When you enter your personally identifiable information at the Web site, you have opted-in to request that we share your personal information with third parties to receive marketing communications. When contacted by any of these third-party marketers, you should notify them directly of your choices regarding their use and sharing of your information and may opt-out of receiving additional offers from them or any third-parties with whom they have shared your information. If you no longer wish to receive our newsletter and/or promotional communications from us, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at This email address is being protected from spam bots, you need Javascript enabled to view it We also offer an opportunity to opt-out of certain communications utilizing the online contact us link, or via telephone at 813-421-1589. Co-Branded Disclosure and External Web Sites Please note that Creditloan.com contains links, co-branded links, and forms that direct to other web sites. Please be aware that we are not responsible for the privacy practices of these other web sites. In any case that you fill out an application that looks like it is located on www.Creditloan.com , it will not be collected by our web site, but by the affiliate or Loan Provider website. We encourage you to be aware while using our site, when you leave our site, and to read the terms and conditions and/or privacy statements of each and every site seeking your personally identifiable information. Cookies A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We do use cookies on this site by gathering technical information from your Web browser (IP address, operating systems). We do not link the information we store in cookies to any personally identifiable information you submit while on our site. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by Creditloan.com only and does not cover the use of cookies by any advertisers. We work with Google Adwords (DoubleClick) to display Retargeted ads to our site prospects, on our behalf, across the Internet. They collect Non‐Personally Identifiable Information about your visits to our Website, and your interaction with our products and services. The anonymous information is collected through the use of a pixel tag, which is industry standard technology used by most major web sites. No Personally Identifiable Information is collected during in this process. Click to read Google's/DoubleClick's Privacy Policy Google Privacy Policy and DoubleClick Privacy Policy. Users may opt out of Google's/DoubleClick's use of cookies by visiting the Network Advertising Initiative opt-out page.. Security The security of your personal information is important to us. No sensitive information (such as credit card number and/or social security number) is ever collected from our site. Creditloan.com has obtained a VeriSign SSL certification. VeriSign is the leading-edge trust service that is a fast, convenient way to identify and confirm a web site's legitimacy. Users see confirmed identity of business with one click. Site owners and visitors are protected from spoofed (copied) sites that can harm the rightful owner. The VeriSign logo can be viewed and verified at anytime at the footer of every webpage on creditloan.com. The security of your personal information is important to us. When you enter your name and email address in our newsletter subscription and contact us forms order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://www.webopedia.com/TERM/S/SSL.html We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can email us at: This email address is being protected from spam bots, you need Javascript enabled to view it Disclaimer and Information about Creditloan.com Please view our official disclaimer page here Disclaimer Creditloan.com is an online directory and resource for credit, loans, bad credit services, debt consolidation, and credit repair. We are in the Yahoo directory in the US, Canada, and UK. Credit Loan, LLC is located in the Southwestern United States catering to users across the world. We are not a bank, broker, or lender. We offer tips from consumers and opinionated advice and we are not responsible for any actions or decisions made by any Loan Provider, Lenders, and/or Banks. Furthermore, changing financial markets along with the steadily changing lender rules and guidelines, the information about lenders and loan processes may not always be updated timely on our site. Actual lenders will be able to give you complete and accurate information regarding their services and terms once you get to their respective websites. We are not responsible for lender decisions. We are simply an informational resource and are not involved in the lending process. Copyright Notice All materials contained in this website are protected by federal copyright laws, and may not be reproduced, republished, distributed, displayed, or otherwise exploited in any manner without the express prior written permission of Creditloan.com. Our official copyright statement can be viewed here Copyright Statement. We routinely check for copyright violations and content duplication. Federal legal action will be taken against anyone found using creditloan.com articles and/or content with the expressed written permissions and/or consent from our owner. Contact If you have questions or comments, email us at This email address is being protected from spam bots, you need Javascript enabled to view it , or mail us via postal mail at: Credit Loan, LLC Attn: Customer Support: 235 APOLLO BEACH BLVD, STE 218 Apollo Beach, Florida 33572 Note: If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our homepage. We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site. Changes to Privacy Policy We reserve the right, in our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site periodically for any changes. Your continued use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes. Copyright © 2012. Creditloan.com |
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