Information Collection, Use, and Dissemination Practices
This policy applies to Company’s collection, use, storage and disclosure of information by Company on its, (a) Web Sites, including all its parent companies, divisions, subsidiaries and related companies (collectively, the “Web Sites”), (b) on various third-party web sites, and (c) to Company’s other information collection, including the transfer of opt-in customer lists from third parties, or the use of customer opt-in lists from third parties.
Company is not responsible for the information collection or privacy practices of third-party web sites or applications. Each time you provide or transmit information via the Web Site, Company may obtain and collect certain identifiable information provided by you, including, but not limited to, your name, email address, mailing address, social security number, Business Tax ID Number, and telephone or cell phone number. You may also provide us with information that, when combined with personally identifiable information, provides us with the basic and essential information we require to immediately determine if you and/or your business are likely to qualify for the services. If you choose to access our Web Site, use our services or purchase our products, we may require you to provide the information as indicated on the application forms on the Site. Additionally, Company may use cookie and web beacon technology to associate certain Internet-related information about you with information about you in its database. Additionally, Company may use other new and evolving sources of information in the future.
“Tracking Pixels” are clear GIF tracking pixels to track user movement through the Site for aggregated site traffic metrics. In addition, some Company affiliates set tracking pixels on our web pages to track completed auto loan requests referred by their web sites. A “Web Beacon” is a programming code that can be used to display an image on a web page, but can also be used to transfer your unique user identification to a database and associate you with previously acquired information about an individual in a database. This allows Company to track certain web sites you visit. Web beacons are used to track online behavioral habits for marketing purposes to determine products or services you may be interested in. In addition to using web beacons on web pages, Company also uses web beacons in email messages sent to individuals listed in Company’s database.
“IP Addresses(s).” Company automatically tracks certain information based upon your behavior on the Web Sites. We may use this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect and serve you and our community. This information may include the URL that you just came from (whether this URL is on the Site or not), which URL you next go to (whether this URL is on the Site or not), your computer browser information, and your IP address. Your Internet Protocol (“IP”) is a unique Internet “address” which is assigned to you by your Internet Service Provider (“ISP”). For local area network (“LAN”), DSL, or cable modem users, an IP address may be permanently assigned to a particular computer. IP addresses are automatically logged by web servers, collecting information about a user’s traffic patterns. While the IP address does not identify an individual by name, it may, with the cooperation of the ISP, be used to locate and identify an individual using the web. Your IP address can, however, reveal what geographic area you are connecting from, or which ISP you are using. Finally, other web sites you visit have IP addresses, and we may collect the IP addresses of those web sites and their pages.
“Data Analysis.” Data Analysis technology may be employed from time to time if used by a client of Company.
“New Technology.” The use of technology on the Internet, including cookies and web beacons, is rapidly developing. As a result, Company strongly encourages individuals to revisit this policy for any updates regarding its use of new technology.
No Information Collected from Children
Company will never knowingly collect any personal information about children under the age of 13. If Company obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, Company has no such information to use or to disclose to third parties. Company has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”). Company may, in certain instances, collect sensitive personal and business information to include but not limited to complete addresses, social security numbers, tax ID numbers, checking account numbers and related information when an individual is applying to subscribe to the ExtendCredit.com system and services. Company will use this information for the sole purposes of qualifying the individual or business for the provision of ExtendCredit.com services as well as for ACH origination in support of the electronic collection of payments due merchants from customers. This information will be disclosed to the applicable ACH processors and their respective originating depository financial institutions (sponsor banks) as necessary to initiate ACH services. Company understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft’s Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select “view Frame information” in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates. Finally, the Company requires unique user names and passwords that must be entered each time at login. These safeguards help prevent unauthorized access, maintain data accuracy and ensure the appropriate use of data. Company stores the individual information in a database on its computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Company’s control. Notwithstanding such measures, Company cannot guarantee that its security measures will prevent its computers from being illegally accessed, and the individual information on them stolen or altered.
Company may use third parties to help operate our Web Site and deliver products and services, and may share your personal information with our affiliates, service providers and other third parties that provide products or services for or through this Web Site or for our business. Company may disclose aggregate statistics regarding user behavior as a measure of interest in, and use of, our Web Site and e-mails to third parties in the form of aggregate data, such as overall patterns or demographic reports that do not describe or identify any individual user. Company will use or disclose your personal information in response to subpoenas, court orders, warrants, or legal process, or to otherwise establish or exercise our legal rights or defend against legal claims or in the event you violate or breach an agreement with Company. Company will use and disclose your personal information if we believe you will harm the property or rights of Company, its owners, or those of Company’s other customers.
Finally, we will use or disclose your personal information if we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Company’s acceptable use policy, or as otherwise required by law when responding to subpoenas, court orders and other legal processes. Company reserves the right to disclose, transfer or sell your personal or business information to companies who are affiliated with Company in Company’s sole discretion. If Company changes ownership through an acquisition, merger, sale or other change of business status, it reserves the right to transfer or assign the right to use your personal information collected from the Web Site.
California User Consumer Rights