PRIVACY POLICY
This Policy applies to residents of the United States.
This Privacy Policy explains how we handle the personal information that you provide to us on web sites controlled by Loaning4Less.com, LLC. This Privacy Policy does not apply to personal information collected from you offline, to web sites that do not link to this Privacy Policy, to residents of countries other than the United States, or to third-party web sites to which LOANING4LESS.COM™ web sites may link. Your use of LOANING4LESS.COM™ web sites, which link to this Privacy Policy is subject to this Privacy Policy and the Terms of Use.
Please read this Privacy Policy before using LOANING4LESS.COM™ web sites or submitting personal information to us.
HOW DOES THIS PRIVACY POLICY DEFINE "PERSONAL INFORMATION"?
"Personal information" means information that identifies you or could reasonably be used to identify you and which is submitted to and/or collected by LOANING4LESS.COM™ web sites and maintained by LOANING4LESS.COM™ in an accessible form. Examples of personal information include your name, your postal address and your telephone number.
HOW DOES LOANING4LESS.COM™ COLLECT INFORMATION ONLINE?
LOANING4LESS.COM™ collects information in two ways:
1. Personal Information You Submit: LOANING4LESS.COM™ collects personal information that you enter into data fields on LOANING4LESS.COM™ web sites. For example, you may submit your name, postal address, e-mail address, and/or other information in order to receive information about various subjects, register for LOANING4LESS.COM™ programs, contact LOANING4LESS.COM™ customer service, or respond to LOANING4LESS.COM™ surveys. To protect your privacy, you should not provide LOANING4LESS.COM™ with any information that is not specifically requested.
2. Passive Collection of Unidentifiable Information: LOANING4LESS.COM™ web sites may collect information about your visits to LOANING4LESS.COM™ web sites without you actively submitting such information. Unidentifiable information may be collected using various technologies, such as cookies, Internet tags, and web beacons. Your Internet browser automatically transmits to LOANING4LESS.COM™ web sites some of this unidentifiable information, such as the URL of the web site you just visited and the browser version your computer is operating. Passive information collection technologies can make your use of LOANING4LESS.COM™ web sites easier by allowing LOANING4LESS.COM™ to provide better service, customize sites based on consumer preferences, compile statistics, analyze trends, and otherwise administer and improve LOANING4LESS.COM™ web sites. Certain features of LOANING4LESS.COM™ web sites may not work without use of passive information collection technologies. Information collected by these technologies cannot be used to identity you without additional identifiable information.
IN WHAT CIRCUMSTANCES MIGHT LOANING4LESS.COM™ COLLECT AND USE PERSONAL INFORMATION?
LOANING4LESS.COM™ will use the personal information you provide through LOANING4LESS.COM™ web sites to respond to your questions and to provide you with efficient customer service. After you have entered personal information into a form or data field on an LOANING4LESS.COM™ web site, LOANING4LESS.COM™ may use certain identifying technologies to allow that web site to "remember" your personal preferences, such as sections of that web site that you visit frequently and, if you choose. We may also use this personal information for other business purposes, such as to offer you the opportunity to receive notices regarding LOANING4LESS.COM™’s products or services, to invite you to participate in surveys about our products, or to notify you about special promotions. DOES LOANING4LESS.COM™ CONSOLIDATE PERSONAL INFORMATION?
LOANING4LESS.COM™ may consolidate the personal information of customers who use LOANING4LESS.COM™ web sites. We use this information to help us better design LOANING4LESS.COM™ web sites and LOANING4LESS.COM™ products, to communicate information to you, to enhance our marketing and research activities, and to facilitate other business functions. WHAT CHOICES DO I HAVE ABOUT HOW LOANING4LESS.COM™ COLLECTS AND USES PERSONAL INFORMATION ABOUT ME?
You may always limit the amount and type of personal information that LOANING4LESS.COM™ receives about you by choosing not to enter any personal information into forms or data fields on LOANING4LESS.COM™ web sites. Some of our online services can only be provided to you if you provide us with appropriate personal information. Other parts of LOANING4LESS.COM™ web sites may ask whether you wish to opt out or opt into our contact lists for offers, promotions and additional services that may be of interest to you. You may also be provided with preference questions or preference boxes allowing you to indicate that you do not want LOANING4LESS.COM™ web sites to use tracking technologies, such as cookies, to "remember" your personal information, such as user IDs or mailing addresses, on return visits. However, LOANING4LESS.COM™ web sites that use tracking technologies to collect unidentifiable information do not generally provide you with the ability to opt out of the tracking technologies. Some Internet browsers allow you to limit or disable the use of tracking technologies that collect unidentifiable information.
WHO WILL HAVE ACCESS TO PERSONAL INFORMATION ABOUT ME?
Personal information can be accessed by a restricted number of LOANING4LESS.COM™ employees, by certain companies with which LOANING4LESS.COM™ may conduct joint programs, and by individuals and entities with whom LOANING4LESS.COM™ contracts to carry out business activities for LOANING4LESS.COM™. We train our employees about the importance of privacy and how to handle and manage customer data appropriately and securely. Also, it is LOANING4LESS.COM™’s practice to notify you if you are registering for a program which is conducted in conjunction with another company that may require access to your personal information. In addition, LOANING4LESS.COM™’s practice is to require its contractors to keep your personal information confidential and to use personal information only to perform functions for LOANING4LESS.COM™.
DOES LOANING4LESS.COM™ SHARE PERSONAL INFORMATION WITH THIRD PARTIES?
As a general rule, LOANING4LESS.COM™ does not share your personal information with third parties, unless it is necessary to conduct a joint program or to carry out a program or activity through a contractor. Where required by law, LOANING4LESS.COM™ will not disclose your personal information to third parties for those third parties’ marketing purposes, unless you have been provided with an opportunity to opt into or opt out of this disclosure. However, if LOANING4LESS.COM™ sells one of its product lines or divisions, your personal information may be transferred to the buyer so that the buyer can continue to provide you with information and services. If LOANING4LESS.COM™ provides your personal information to individuals and entities which assist us with our business activities, it is LOANING4LESS.COM™’s practice to require those individuals and entities to keep your personal information confidential and to use your personal information only to perform functions for LOANING4LESS.COM™. LOANING4LESS.COM™ reserves the right to disclose your personal information to respond to authorized information requests from government authorities, to address national security situations, or when otherwise required by law.
HOW DOES LOANING4LESS.COM™ SECURE PERSONAL INFORMATION?
It is LOANING4LESS.COM™’s practice to secure each web page that collects personal information; however, the confidentiality of personal information transmitted over the Internet cannot be guaranteed. We urge you to exercise caution when transmitting personal information over the Internet, especially personal information related to your health. LOANING4LESS.COM™ cannot guarantee that unauthorized third parties will not gain access to your personal information; therefore, when submitting personal information to LOANING4LESS.COM™ web sites, you must weigh both the benefits and the risks. In addition, LOANING4LESS.COM™ web sites covered by this Privacy Policy will display a warning whenever you link to a web site that is not controlled by LOANING4LESS.COM™ or subject to the LOANING4LESS.COM™ privacy policy; you should check the privacy policies of such third-party web sites before submitting personal information.
LOANING4LESS.COM™ has policies, which provide for the proper use and protection of Social Security numbers obtained in the course of doing business with LOANING4LESS.COM™. LOANING4LESS.COM™’s policies require that Social Security numbers be appropriately secured to avoid loss, misuse or unauthorized access of Social Security numbers. Unlike this Privacy Policy, which applies only to on-line personal information, LOANING4LESS.COM™’s policies governing Social Security numbers apply to both on-line and off-line collection and use of Social Security numbers. HOW DOES LOANING4LESS.COM™ PROTECT THE PRIVACY OF CHILDREN?
LOANING4LESS.COM™ does not knowingly collect or use any personal information from children (we define "children" as minors younger than 13) on LOANING4LESS.COM™ web sites. We do not knowingly allow children to order our products, communicate with us, or use any of our online services. If you are a parent and become aware that your child has provided us with information, please contact us using one of the methods specified below, and we will work with you to address this issue.
How may I correct personal information or delete it from current customer records?
You may request to remove your personal information from our current customer records or to amend your personal information. Please notify us of your wishes by contacting us in one of the ways specified below. For our record keeping purposes, we will retain certain personal information you submit in conjunction with commercial transactions. HOW CAN I CONTACT LOANING4LESS.COM™?
If you have questions about the use, amendment, or deletion of personal information that you have provided to us, or if you would like to opt out of future communications from an LOANING4LESS.COM™ business or a particular LOANING4LESS.COM™ program, please contact us by clicking on the "Contact Us" link on the web site you are visiting or by e-mailing us at support@loaning4ess.com.com.
In all communications to LOANING4LESS.COM™, please include the e–mail address used for registration (if applicable), the web site address or the specific LOANING4LESS.COM™ program to which you provided personal information, and a detailed explanation of your request. If you would like to delete or amend your personal information and are contacting us by e-mail, please put "Deletion Request" or "Amendment Request", as applicable, in the subject line of the e-mail. We will do our best to respond to all reasonable requests in a timely manner. HOW WILL I KNOW WHETHER LOANING4LESS.COM™ HAS UPDATED THIS POLICY?
LOANING4LESS.COM™ reserves the right to amend this Privacy Policy without prior notice to reflect technological advancements, legal and regulatory changes and good business practices. If LOANING4LESS.COM™ changes its privacy practices, a new Privacy Policy will reflect those changes and the effective date of the revised Privacy Policy will be set forth in this paragraph. This Privacy Policy was last updated on January 29, 2011 and is effective as of that date.
Unless otherwise specified, all product names appearing in this Internet site are trademarks owned by or licensed to Loaning4Less.com™, Inc., its subsidiaries or affiliates. No use of any Loaning4Less.com™ trademark, trade name, or trade dress in this site may be made without the prior written authorization of LOANING4LESS.COM™, LLC., except to identify the product or services of the company.