This Privacy Policy governs your use of this Website. All content, products or services made available from or through this website (“Website”) belong to third party advertisers and are governed by their privacy policies and terms of use. Please be sure to review these policies when you click through to their websites. This Privacy Policy sets forth the online data collection and usage policies and practices that apply only to this Website.
By using this site, you explicitly accept, without limitation or qualification, the collection, use and transfer of non-personally identifiable information [“Non-PII] collected on this Website in the manner described below. If you disagree with the way we collect and process Non-PII, please do not use this website.
Scope of this Policy
This policy applies to this Website and regulates the processing of Non- PII relating to you and grants both us and you various rights with respect to your Non-PII. It describes what type of information we collect; how we use that information and to whom we can provide that information. It also informs you of how to notify us to stop using your information. Our company is located in the United States. You may be located in a country that has laws which are more restrictive about the collection and use of your Non-PII. However, by using our site, you agree to waive the more restrictive laws and agree to be governed by the laws of the United States.
This Website contains links to third party websites over which we have no control. As such, we are not responsible for the privacy policies or practices of those third party websites when you choose to link from this site. We encourage you to review the privacy policies of those websites so you can understand how they collect, use and share your personally identifiable information.
We also do not control the data use practices of those persons or entities who may access your information on this Website or third party Ad Networks and other third parties with whom we work to serve you personalized ads on our Website. We encourage you to review the privacy policies and opt-out choices of those third parties so you can understand how they collect, use and share your personally identifiable information and Non-PII.
Information We Collect and Retain
We collect the following general types of information about you when you visit and use our Website: demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information.
Personally Identifiable Information [PII] is information that can be used to identify you, or any other individual to whom the information may relate. Some examples of personal information that we collect, depending on the services you use and local law, are:
- First and Last Name
- Physical Address
- Email address
- Telephone number
We do not collect PII on this Website.
Demographic information is information that may or may not be unique to you in the sense that it refers to selected population characteristics; such information may include, but is not limited to your ISP and personal and online interests.
Behavioral information is information pertaining to how you use the Website, the areas of our site that you visit, the link to the advertiser and information about your computer hardware and software including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet and other website you have been referred to us through. This information is necessary for analyzing the use of resources, troubleshooting problems, preventing fraud, and improving our Website and our services.
Third party information is information that we acquire from a third party which may include PII, demographic, behavioral and indirect information. We obtain this information so that we can personalize the advertising to you shown our Website.
Web Technology information is information we automatically collect from you when you visit our site. This includes information collected from the use of cookies, web beacons or java script.
No Information Collected from Children. We will never knowingly collect any PII about children under the age of 13. If we obtain actual knowledge that we have collected PII about a child under the age of 13, that information will be immediately deleted from our database. Because we do not collect such information, we have no such information to use or to disclose to third parties.
Use of Cookies, Web Beacons, and Java Script
Cookies: “Cookies” are a feature in your browser software. If enabled, we or a third party vendor may write cookies that may store small amounts of data on your computer about your visit to any of the pages of this Website. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit our Website again, cookies can enable us to customize our content according to your preferences. We may use cookies to: keep track of the number of return visits to this Website; accumulate and report aggregate, statistical information on website usage; and deliver specific content to you based on your interests or past viewing history. You can disable cookies, although the Website may not function properly for you. Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com. In order to use all of the features and functionality of the Website, you need to accept cookies.
We predominately use “session” cookies, which are not permanently stored on your hard drive. Session cookies expire after two hours of inactivity or when you close your browser. “Session” cookies allow us to keep track of this data until you have completed your search or registration.
We may use “persistent” cookies primarily to ensure that we do not show you pages that you have already seen and to personalize your site experience and save you time. “Persistent” Cookies enable us to recognize whether you have responded to any questionnaire or registration or have already been presented with an advertisement or information placed on the Website so that we do not show you the same information again the next time you visit. The “persistent” cookies we use will remain on your computer after you have left our site until you remove them.
We may also allow other companies to display advertisements to you while you are visiting our Website. Because your web browser must request these advertisements from the other companies’ servers, these companies can view, edit or set their own cookies, just as if you had requested a web page from their site. We have no control over the practices of those third party advertisers and are not responsible for their technology or tracking. We encourage you to review the policies of such advertisers when you link to their website.
Removing Cookies: You have the ability to accept, decline or move cookies at any time by modifying your browser settings. Please see http://cookiecentral.com. If you choose to decline cookies, however that may hinder performance and negatively impact your experience on the Website.
Web Beacons: We also use electronic images known as Web beacons (sometimes called single-pixel gifs, clear gifs or action tags) that allow us to collect certain information about your visit to this Website and its pages (including the number of users who have visited those pages), measure and improve the effectiveness of advertisements, and deliver services. Web beacons are not used to access your PII; they are a technique used to compile aggregated statistics about website usage. Web beacons collect only a limited set of information including a cookie number, time and date of page view and a description of the page on which the web beacon resides. This information may be shared with one or more third parties so that they can understand the kinds of visitors to the web pages, how those visitors use those web pages, and the effectiveness of their advertisements.
Disabling Web Beacons. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.
JavaScript:We may also use JavaScript within certain advertisements. JavaScript is a computer language that enhances the functionality of websites, particularly in respect to pictures. We do not collecting any PII JavaScript but use it to analyze and improve the Website’s functions.
Disabling JavaScript: You may deactivate JavaScript via your browser settings or activate it the same way. If you disable JavaScript you will not be able to use some of the functions of the Website.
IP Addresses. We automatically track certain information based upon your behavior on the Website. 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 Website or not), which URL you next go to (whether this URL is on the Website 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 websites you visit have IP addresses, and we may collect the IP addresses of those websites and their pages.
Computer Profiles. We may also collect and accumulate other anonymous data which will help us understand and analyze the Internet experience of our visitors. For instance, we may accumulate visitor data relating to referring domain names, the type of browsers used, operating system software, screen resolutions, color capabilities, browser plug-ins, language settings, cookie preferences, search engine keywords and JavaScript enablement.
How We Use the Information Collected
Third Party Advertising. We use the information we gather for the purposes of providing advertising for third parties. This may include passing your Non-PII on to a third party with which we have a contract to provide such services. Although our contractual arrangement limits how such third party can use your information, we do not control the privacy practices of this third party. If you have any questions or wish to remove your information from the third party’s database, you will need to contact that party directly.
Improving our Website. We use the information we gather to respond to any inquires you make; operate and improve our Website, improve and create a positive user experience with our Website; and deliver you to the advertiser’s websites. Our services include the display of personalized products, content, and advertising relating to your experience and interests. The Non-PII we obtain on this Website may be shared with other companies.
Disclosure of Information to Others
We disclose to third parties throughout the world your Non-PII as set forth below:
Product and Service Delivery. We may share your Non-PII with third parties who delivery the products and services advertised on our Website. We disclose information to companies and individuals we employ to perform technical functions on our behalf. Examples include third parties who host our website, analyze our data, provide marketing assistance, and provide customer service.
Third Party Products and Services. We may disclose Non-PII to third parties to provide you with information about the opportunities, products or services of third parties. We use the data and data logs we have about you, including interests and preferences you have expressed, to determine whether you might be interested in the opportunities, products or services of a particular third party.
Anonymous information. We also share aggregated Non-PII about you and other persons using our Website with third parties so that they can understand the kinds of visitors to our Website and how those visitors use the Websites. This includes demographic information and behavioral information.
Legal Process. We disclose Non-PII if legally required to do so, or at our discretion pursuant to a request from a governmental entity or if we believe in good faith – after considering your privacy interests and other factors – that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
Acquisition or Merger. We may disclose and transfer Non-PII to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In addition, in the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of such Non-PII in a transaction approved by the court.
Third Party Use of Your Information
Third parties also collect and use information about you on our Site in the following way:
Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies who place advertisements on the Website and on the internet generally may use their own cookies, web beacons, and other technology to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.
Hyperlinks. Our Website contains hypertext links to third party websites. We are not responsible for the privacy practices or the content of such other websites. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on such third party websites. The inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Security
We endeavor to safeguard and protect your Non-PII. The servers in which we store Non-PII are kept in a secure physical environment. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. Currently, we use Secure Socket Layer Software (“SSL”) to protect sensitive data and to secure any transactions. SSL encrypts information, including credit card numbers, names and addresses as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through this Website is at your own risk. However, access to your information is strictly limited, and not accessible to the public.
Changes to Privacy Statement
We reserve the right to make material changes to the substance of this Privacy Statement. We will post those changes through a prominent notice on the Website so that you will always know what information we gather, how we might use that information, and to whom we will disclose it.
Your California Rights
A California resident who has provided personal information to a business with whom he/she has established a business relationship for personal, family, or household purposes (“California customer”) is entitled to request information about whether the business has disclosed PII to any third parties for the third parties’ direct marketing purposes. In general, if the business has made such a disclosure of PII, upon receipt of a request by a California customer, the business is required to provide a list of all third parties to whom PII was disclosed in the preceding calendar year, as well as a list of the categories of PII that were disclosed.
However, under the law, a business is not required to provide the above-described lists if the business adopts and discloses to the public (in its privacy policy) a policy of not disclosing customer’s PII to third parties for their direct marketing purposes unless the customer first affirmatively agrees to the disclosure, as long as the business maintains and discloses this policy. Rather, the business may comply with the law by notifying the customer of his or her right to prevent disclosure of PII and providing a cost free means to exercise that right.
As stated in this policy, you have agreed to allow us to share Non-PII with third parties for their direct marketing purposes until you remove your information and thus, agreement for such disclosure. This Website does not collect PII. Please note that whenever you opt in to receive future communications from a third party, your PII will be subject to the third party’s privacy policy. If you later decide that you do not want that third party to use your PII, you will need to contact the third party directly, as we have no control over how third parties use PII. You should always review the privacy policy of any party that collects your PII to determine how that entity will handle your information.
California customers may request further information about our compliance with this law by e-mailing info@badcreditloanblog.com Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this e-mail address.