The Loan Store, Inc. (“TLS”, we or us ) is committed to protecting and respecting your privacy.
SCOPE OF POLICY
This policy together with the General Terms of Service apply to your use of our website at www.theloanstore.com (the “Site”) including, without limitation, all other services accessible through the Site.
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed and disclosed by us. Please read the following carefully to understand our collection, use, and disclosure of your personal data.
TLS shares information in connection with its products and services as a licensed lender for residential mortgage loans and mortgage servicing services and products.
We reserve the right in our sole discretion to make changes to how we operate and provide our services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating your access to any or all portions of our services, as described below.
INFORMATION WE COLLECT FROM YOU
We will collect and process the following data about you:
Information you give us (Submitted Information). This is information you give us about you, or by corresponding with us (for example, by e-mail or telephone), or given to us by your mortgage loan officer. If you contact us, we may keep a record of that correspondence. The information you give us may include your social security number, name, address, date of birth, e-mail address, phone number, other loan application information, personally identifiable financial information, income and debt information, identification document numbers, copies of identification documents (for example, driver license, passport, and utility bill).
The technologies we use for this automatic data collection may include:
Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. Certain features of our Site may use local stored objects (or flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies.
Web Beacons. The Services and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit TLS, for example, to count users who have visited certain pages or opened an email] and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
If you would prefer not to accept cookies, most browsers will allow you to: (i) change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Please note that doing so may negatively impact your experience using the Site, as some features and services on our Site may not work properly. Depending on your mobile device and operating system, you may not be able to delete or block all cookies. You may also set your e-mail options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed our e-mail and performed certain functions with it.
USES MADE OF THE INFORMATION
We use information held about you in the following ways:
Submitted Information. We will use Submitted Information:
(i) to carry out our obligations arising from any transactions you enter into with us and to otherwise provide the services to process your transactions:
(ii) to provide you with information about other goods and services we offer;
(iii) to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you.
(iv) to protect against fraud, comply with laws and to confirm your eligibility to use our products and services;
(vi) to administer and improve our services, including troubleshooting, data analysis, security, testing, research, analytical, statistical and survey purposes;
(vii) to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you;
(viii) to comply with our legal and regulatory obligations, including responding to court orders and legal investigations and reporting to credit bureaus;
(ix) to help us better understand your financial circumstances and behavior so that we may make decisions on your loan application.
(x) to process applications for products and services available through us including making decisions about whether to agree to approve any applications.
We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this policy for as long as it is combined.
THIRD PARTY TRACKING AND ONLINE ADVERTISING
Interest Based Advertising. We participate in interest-based advertising and use third party advertising companies to serve you targeted advertisements based on your browsing history. We may share, or we may permit third party online advertising networks, social media companies and other third party services, to collect information about your use of our website over time so that they may play or display ads on our Service, on other devices you may use, and on other websites, apps or services, including on Facebook. Typically, though not always, the information we share is provided through cookies or similar tracking technologies, which recognize the device you are using and collect information, including click stream information, browser type, time and date you visited the site and other information. We and our third party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research.
Social Media Widgets and Advertising. We may include social media features, such as the Facebook “Like” button, Google Plus, LinkedIn, Snapchat, Instagram, Twitter or other widgets. These social media companies may recognize you and collect information about your visit to our Site and/or social media accounts, and they may set a cookie or employ other tracking technologies. Your interactions with those features are governed by the privacy policies of those companies. We may display targeted advertising to you through social media platforms, such as Facebook, Twitter, Google Plus and others. These companies have interest-based advertising programs that allow us to direct advertisements to users who have shown interest in our service while those users are on the social media platform, or to groups of other users who share similar traits, such as likely commercial interests and demographics. These advertisements are governed by the privacy policies of those social media companies that provide them.
Cookies and Flash cookies. Most browsers allow you to adjust your browser settings to: (i) notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Blocking or deleting cookies may negatively impact your experience using the Service, as some features and services on our Service may not work properly.
Deleting cookies does not delete Local Storage Objects (LSOs) such as Flash objects and HTML5. To manage Flash cookie settings and preferences, you must use the settings manager on Adobe’s website or by clicking here. If you choose to delete Flash objects from our Service, then you may not be able to access and use all or part of the Service or benefit from the information and services offered.
Interest-based advertising. To learn about interest-based advertising and how you may be able to opt-out of some of this advertising, you may wish to visit the Network Advertising Initiative’s online resources, at www.networkadvertising.org/choices, and/or the DAA’s resources at .
Cross-device linking. Please note that opting-out of receiving interest-based advertising through the NAI’s and DAA’s online resources will only opt-out a user from receiving interest-based ads on that specific browser or device, but the user may still receive interest-based ads on his or her other devices. You must perform the opt-out on each browser or device you use.
Mobile advertising. You may also be able to limit interest-based advertising through the settings on your mobile device by selecting “limit ad tracking” (iOS) or “opt-out of interest based ads” (Android). You may also be able to opt-out of some – but not all – interest-based ads served by mobile ad networks by visiting youradchoices.com/appchoices and downloading the mobile AppChoices app. Some of these opt-outs may not be effective unless your browser is set to accept cookies. If you delete cookies, change your browser settings, switch browsers or computers, or use another operating system, you will need to opt-out again.
Google Analytics and Advertising. We may use Google Analytics to recognize you and link the devices you use when you visit our site on your browser or mobile device, or otherwise engage with us. We share a unique identifier, like a user ID or hashed email address, with Google to facilitate the service. Google Analytics allows us to better understand how our users interact with our Service and to tailor our advertisements and content to you. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, review Google’s site “How Google uses data when you use our partners sites or apps” located atwww.google.com/policies/privacy/partners. You can learn about Google Analytics’ currently available opt-outs, including the Google Analytics Browser Ad-On here tools.google.com/dlpage/gaoptout.
We may also utilize certain forms of display advertising and other advanced features through Google Analytics, such as Remarketing with Google Analytics, Google Display Network Impression Reporting, the DoubleClick Campaign Manager Integration, and Google Analytics Demographics and Interest Reporting. These features enable us to use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick advertising cookie) or other third party cookies together to inform, optimize, and display ads based on your past visits to the Site. You may control your advertising preferences or opt-out of certain Google advertising products by visiting the Google Ads Preferences Manager, currently available at google.com/ads/preferences or by vising NAI’s online resources at www.networkadvertising.org/choices.
DISCLOSURE OF YOUR INFORMATION
We will disclose the data we collect from you to the following types of third parties:
a) to vendors, consultants, contractors, service providers, and other third parties we use to support our business or to effectuate customer transactions;
b) advertisers and advertising networks that require the data to select and serve relevant adverts to you and others;
c) analytics and search engine providers that assist us in the improvement and optimization of our site;
d) third parties to verify your identity, protect against fraud, comply with anti-money laundering laws and to confirm your eligibility to use our products and services;
e) credit reference agencies for the purpose of assessing your credit score where this is a condition of us entering into a contract with you;
f) in the event that we sell or buy any business or assets, in which case we will disclose your personal data to the prospective seller or buyer of such business or assets;
g) if TLS or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
h) to comply with any court order, law, regulation, or legal process, including to respond to any government or regulatory request;
j) to our subsidiaries and affiliates;
k) with your consent or at your direction; and for any other purpose disclosed by us when you provide the information
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our Services; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access. We also follow policies to dispose of your records that are within our custody or control and contain personal non-public information about you when those records are no longer needed. We will dispose of those records by shredding them, erasing them or using techniques to make the information unreadable.
We store the information we collect about you for as long as is necessary for the purpose(s) for which we originally collected it, or for other legitimate business purposes, including to meet our legal or other regulatory obligations.
CONTROL OVER YOUR INFORMATION
From time to time, we may send you emails regarding updates to our Site, products or services, notices about our organization, or information about products/services we offer (or promotional offers from third parties) that we think may be of interest to you. If you wish to unsubscribe from such emails, simply click the “unsubscribe link” provided at the bottom of the email communication. Note that you cannot unsubscribe from certain Site-related email communications (e.g., account verification, confirmations of transactions, technical or legal notices).
YOUR CALIFORNIA PRIVACY RIGHTS
California Civil Code Section § 1798.83 permits users of our Site that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to firstname.lastname@example.org.
LINKS TO THIRD-PARTY WEBSITES AND SERVICES
Our Site may provide links to third-party websites or services that are not governed by this policy. To the extent that any linked third-party websites or services you visit are not owned or controlled by TLS, we are not responsible for those websites’ or services’ content or information practices. We encourage you to review the privacy policies of any site or service before providing any personal information.
TRANSFER OF INFORMATION TO THE U.S. AND OTHER COUNTRIES
TLS is based in the United States and we process and store information in the U.S. As such, we and our service providers may transfer your information to, or store or access it in, jurisdictions that may not provide equivalent levels of data protection as your home jurisdiction. We will take steps to ensure that your personal data receives an adequate level of protection in the jurisdictions in which we process it.