This Privacy Policy is intended to inform you, the end user, about how we handle information we process on YourLoanNews.com (the “Site”).
By using the Site you are accepting and consent to the practices described in this Privacy Policy. If you do not agree with any terms, please do not use the Site or submit any personal information.
Children's Privacy
This Site is not directed to children under the age of thirteen and we do not knowingly collect personal information from children under the age of thirteen on the Site. If we become aware that we have inadvertently received personal information from a visitor under the age of thirteen on the Site, we will delete the information from our records.
Information We Collect
Information collected by this Site falls into two categories: (1) information that users voluntarily submit in connection with their use of the Site; and (2) tracking information recorded as a visitor or user navigates the Site.
In connection with your use of the Site, you may choose to provide certain personal information, such as your email address.
We also collect tracking information that records visitors’ interactions with the Site. Like most Web site servers, we use log files. Log files include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track users’ movement in the aggregate, and gather broad demographic information for aggregate use. We match log file information with the personally identifiable information you voluntarily submit on the Site.
Pages on our Site may contain "web beacons" (also known as Internet tags, pixel tags and clear GIFs). Web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons and match it with the personally identifiable information you submit to the Site.
We may use cookies to collect information about your interaction with the Site. A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a web site's computer and stored on your computer's hard drive. Cookies record information about your online preferences. Cookies let us know about repeat visitors and if we are delivering quality products and services to our Clients. We may also use cookies to identify which sites our repeat visitors are coming from, so that we can place more of our online advertising on these sites, and can, where necessary, pay our affiliates and other business partners.
How We Use Information We Collect
We may use the information the Site collects (“User Information”) for any legally permissible purpose in its sole discretion. The following paragraphs describe how we use User Information.
We may generate aggregate reports on Site visitors to measure the performance of the Site. These reports may contain personally identifiable information.
Targeted Advertising.
Based on User Information, we may attempt to customize and target advertising to an individual. We may, at its discretion, target advertising to an individual on the Site, in email and/or through direct mail. Such advertising may be unrelated to the products or services offered or promoted on the Site.
Email.
We may use User Information to provide email marketing materials to users. Such email marketing may feature the goods and services of third parties, and may be unrelated to the products or services offered or promoted on the Site. We may maintain separate email lists for different purposes.
Your Choices About The Use Of Your Information And Opting Out
By submitting an application to this site, you certify that you are at least 18 years old and agree to both the Terms of Use and Privacy Policies that govern this site. You can choose not to provide us with certain personal information, however doing so may result in limited access to certain features and services provided on this site and affect your ability to obtain debt relief.
If you wish to delete the personal information that we have collected from you, please send an email request to support@yourloannews.com. We will process your request, where possible and subject to the terms and conditions contained in this Privacy Policy, within a reasonable amount of time. Federal and State regulations and/or the need to administer our relationships with our ad networks and third party partners may require that we store certain information for various periods of time. In order to comply with these requirements, your information may be stored until the expiration of the applicable period. We will use reasonable commercial efforts to delete your personal information no later than three (3) months after receiving your request, unless a longer retention period is required by law. Any request to remove personal information will apply to information held by yourloannews.com, and not information already shared with third parties. The treatment of such information is governed by those parties' Privacy Policies, not by this Privacy Policy.
When you submit your information on yourloannews.com, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the 'Unsubscribe' link on our site. Please allow for up to 10 business days for your request to be to processed. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.
Use of Log Files and Cookies.
We may use Log Files or Cookie information (1) to match a user's Log Files or Cookie information to personally identifiable information, (2) to track an individual's web browsing habits, (3) to determine which areas of our sites are most frequently visited, (4) to track our affiliates’ performance in delivering visitors to the Site. This information helps us to better understand the online habits of users so that it can attempt to customize and target advertising and promotions to users.
Profiles of Users.
We may use User Information to make a profile of users of the Site. A profile is created by associating or matching the various sources of User Information.
Storage of User Information.
We may store User Information in a database on secure computers.
Sale, License or Transfer to Third Parties.
We may sell, license or transfer User Information to third parties for the purposes of sending you offers of goods or services via email. This may include the transfer of your email address, IP Address, date/time you visited the Site, and evidence that you have accepted any terms on the Site (including this Privacy Policy).
We may provide User Information to our third party affiliates, publishers, distributors and mailers for the purpose of compensating them for distributing advertising materials directing visitors to the Site, or that measures their performance or success in driving visitors to the Site.
We may transfer User Information to third parties when necessary to provide a product or service that a user orders from such third party while using our Site.
Legal Process.
We may disclose User Information to respond to subpoenas, court orders and other legal processes.
We may use User Information if we believe it is necessary in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our privacy policy.
Sale or Assignment.
We may share or assign User Information with or to a successor-in-interest or buyer in the event we sell or transfer all or a portion of our business or assets.
Summary Data.
We may sell or transfer non-individualized information, such as summary or aggregated anonymous information about users of our web sites as a whole or as sub-groups of users.
Third Party Information Collection and Use
We work with third parties who collect information from users in connection with their use of the Site. This information is collected through Log Files, Cookies and/or pixels that those third parties have placed on the Site, in an email message used to direct a user to this Site or through a redirect link or webpage. Information collected by third parties may include your hashed email address, IP address, web browser type, demographic data, interest data or other data linked to data you voluntarily submit to us. Any information collected by third parties as described herein is not provided by the third parties to us.
The information collected by third parties from users’ interaction with this Site does not include any personally identifiable information that users submitted to YourLoanNews.com. However, those third parties may be able to match information they collect from this Site, such as a user’s IP address, to personally identifiable information about a user that they have acquired through other means. In addition, the information collected by third parties may be associated with your browser or device type in a non-personally identifiable or personally identifiable manner, depending on the third party. Third parties collect and use this data to serve you advertising targeted to your presumed interests.
Third parties may collect personally identifiable information about your online activities over time and across different web sites when you use the Site.
“Do Not Track” Requests
At this time, we do not collect personally identifiable information about individual user’s online activities over time and across third party web sites or online services. However, it reserves the right to do so in the future without modifying this Privacy Policy. In the event we do elect to collect such information, it will not honor Web browser “do not track” signals or other mechanisms that provide the ability to exercise choice with respect to such information collection.
Links to Other Sites
We may provide links to other Web sites for your convenience and information. These sites may have their own privacy policies in place, which we recommend you review if you visit any linked Web sites. We are not responsible for the content of linked sites or any use of such sites.
Security
We work hard to prevent unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. We have put in place commercially reasonable physical, electronic, and managerial procedures to safeguard and secure the information we collect online. Although we take reasonable precautions to protect your data, we cannot guarantee the complete security of our database, nor can we guarantee that information you supply won’t be intercepted while being transmitted to us over the Internet.
Changes to This Privacy Policy
We may change this Privacy Policy from time to time. If we change this Privacy Policy, any changes will be updated on this page, with the date of last update located below. By continuing to use the Site after we post any changes, you accept and agree to the modified Privacy Policy.
Effective Date: January 1, 2024
