Privacy Policy

About Us
Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. TheLoanJar.com collects a variety of information in order to provide the highest quality service to our users. We want you to understand what information we gather from or about you, how we use it and the safeguards we have in place to protect it. This Privacy Notice applies to TheLoanJar.com and all other TheLoanJar.com websites and applications that link to this policy (the “Services”).

By accessing, using or submitting information to the Services, you agree to this Privacy Notice and our Terms of Use and all of its dispute resolution provisions, including arbitration, limitation on damages and choice of law.

Please read this Privacy Notice and the Terms of Use carefully to understand our policies and practices regarding your personal information and how we will treat it.
TheLoanJar.com, has created this privacy policy (hereinafter the “Privacy Policy”) in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use TheLoanJar.com (the “Website”); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website.

What We Collect
The information that we collect is generally limited to personal information about you that you submit on the Website. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number; information about your interests in and use of various products, programs, and services; and education level and interests. Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by TheLoanJar.com and any of its affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer’s prior informed consent. Notwithstanding the foregoing, TheLoanJar.com and its affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer’s prior informed consent. The personal characteristics we collect may consist of age range, marital status, or gender identity. We may have commercial and service-related information available, including services purchased, obtained, considered, or other purchasing or consuming histories or tendencies. Accident, driving, or insurance claim history, credit information such as credit score range, dwelling value, dwelling age, dwelling type, dwelling ownership history, dwelling disaster zone, dwelling mortgage amount, and other dwelling characteristics as provided by you on our websites. Internet or other electronic network activity information may also be available, including browsing history, search history, information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, internet service provider (ISP), cookies, device identifier or other device information, and location information. Additional multimedia information and statistics from audio, electronics, or similar interactions may too be recorded. Education information and status, or degree level obtained may be recorded. Inferences drawn from any personal information collected to create a profile reflecting preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes.

Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol (“IP”) addresses, browser type, Internet Service Provider (“ISP”), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users’ movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.

Depending which of the Services you are visiting or using, we may collect various types of information from and about you, including information that can personally identify you. This information includes, but is not limited to: your name, postal address, email address, telephone number, demographic information, education information, financial information, Information about any transaction you conduct or submit to on or through the Services, other information that would allow online or offline contact with you as an individual (collectively, “Personal Information”).

We also collect Usage Information (as defined below) and other information from and about you that does not personally identify you or allow us or others to contact you individually online or offline. We may combine information which is not Personal Information (“Non-PII”) with other information in a way that allows you to be identified or personally contacted. If this happens, we will treat the combined information as Personal Information.

We may also collect information that you provide to us about other people, including, but not limited to, their names, postal addresses, telephone numbers, mobile numbers, and email addresses for purposes of fulfilling the purposes for which you provide such information.

We may collect information from or about you in the following ways:
Information Provided by You. We collect information provided by you when you (1) inquire about or obtain our services or products; (2) communicate with us or request information about or from us, whether via email or other means; (3) fill out forms or fields on the Services; (4) register as a user or sign-up for any of our newsletters, materials or services through the Services; (5) enter into online transactions; (6) create profiles; (7) provide feedback or participate in online surveys or questionnaires; (8) input information into our interactive programming features; (9) participate in any of our marketing initiatives, including contests, scholarship offers, events, or promotions; and (10) post to the Services or provide user-generated content or submissions to us, including without limitation media files, photos, videos, documents or other information, and contributions to a chat room, list serve, blog, or other open forum or community feature that we make available on the Services (“User Contributions”).

Information from Other Sources: We may collect information about you from other services that we may provide, our affiliates, third-party or public sources (such as from public forums, social networks, and blogs), other users of the Services, and our business partners.

Automatic Information Collection: We and our service providers use automatic data collection technologies to collect and store Usage Information (as defined below). We also may allow third-party advertising companies and ad networks to use automatic data collection technologies to collect Usage Information for purposes of providing interest-based ads. See the Automatic Information Collection Technologies and Usage Information and the Third-Party Advertisers and Interest-Based Ads sections for more information.

How We Use the Information That We Collect
In order to provide you with the best user experience, we may use your information, including Personal Information, to: Provide products and services requested by you; Provide customer support, including responding to your requests and questions and troubleshooting and resolving problems or complaints; Verify the information you provide to us; Communicate with you; Confirm your identity and eligibility to use the Services; Establish and manage your account; Perform research and analysis to develop and improve the Services and other products and services that we may offer; Understand and anticipate your use of or interest in, our products, services, and content, and the products, services, and content offered by others; Develop and display products, services, and content tailored to your interests on the Services and other online properties; Measure the overall effectiveness of our online advertising, content, and programming, and other activities; Offer you personalized information and products, services, promotions, contests, or scholarships of ours, our affiliates, or our third-party business partners that may be of interest to you; Manage our business and operations; Protect the security and integrity of the Services; Carry out our obligations and enforce our rights arising from this Privacy Notice, the Terms of Use and any other applicable agreements and policies; Use or post User Contributions as permitted in our Terms of Use; and Fulfill any other purposes for which you provide your information and for any other purpose as described to you at the time your information is collected or for which your consent is given.

Any personal information that you supply to us remains your personal property. However, by submitting that information to TheLoanJar.com, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website; c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes.

By submitting your information to the Website, you grant TheLoanJar.com the right to use that information for marketing purposes, and agree to receive email marketing from the Website, marketing partners, advertisers, and third parties. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from TheLoanJar.com, marketing partners, advertisers, or third parties. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from TheLoanJar.com, marketing partners, advertisers, and third parties. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by TheLoanJar.com, marketing partners, advertisers, and third parties.

Though we make every effort to preserve user privacy, we may be required to disclose personal information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that TheLoanJar.com is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when TheLoanJar.com, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time. By submitting your e-mail address at the Website you agree to receive e-mail marketing from TheLoanJar.com and our third-party advertisers. We may sell our user information and/or join together with other businesses to bring selected opportunities to our users. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R. 310, et seq. (the “ATSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commissions Do-Not-Call List, TheLoanJar.com retains the right to contact you via telemarketing in accordance with the ATSR.

 

Our Sharing Practices
We may disclose or share other information from or about you, including your Personal Information, as follows:

With any TheLoanJar.com business or our affiliated companies (i.e., companies that control, are controlled by, or are under common control with us) for support of our internal and business operations, for cross-marketing purposes, or in connection with a request made by you or your opt-in or consent. However, unless you are otherwise first given notice through an opt-in option or otherwise, the evaluation of any request or application by you for any of our products or services offered through our websites will be based on the information you specifically submit to obtain such product or service and not any other information you may submit to us for other purposes or for other products or services we may offer (except for your sign-in, basic account registration information, and any other information that we may pre-populate on your request or application form for your convenience).

With our non-affiliated third-party business partners, service providers, and vendors to enable them to assist us in providing you the products or services you request through the Services or to provide us with support for our internal and business operations, such as data processing, data storage, research, analytics, web hosting, marketing, and delivery of promotional or transactional materials.

With other non-affiliated companies, parties, or organizations when you engage in certain activities through the Services or services that are sponsored or provided by them, including, but not limited to

requesting or purchasing products or services offered by these third parties
electing to receive information or communications from them, or
electing to participate in contests, sweepstakes, games, scholarships, or other programs sponsored or provided by these third parties, in whole or in part.

With non-affiliated third parties that are interested in contacting you or providing offers to you that may be related to our products or services or about other products or services you may find interesting.

With other parties at your direction or request. For example, through us we share your name and contact information with schools, to which you request us to introduce you, and through any refer-a-friend or email-a-friend function offered on the Services, we may share your name and email address with any person to whom you request that we share such information.

With any person who, in our reasonable judgment, is authorized to receive your information, such as your agent, attorney, parent, legal guardian, or co-signor of a loan application.

We may disclose information we collect from or about you when we believe disclosure is appropriate to comply with the law, to enforce or apply applicable terms and conditions and other agreements, or to protect the rights, property, or safety of our company, our affiliates, our other customers or users of the Services, or others.

If some or all of our business assets are sold or transferred, whether through a sale, acquisition, merger, consolidation, reorganization, bankruptcy, or other corporate change involving us and/or our affiliates, we may transfer the corresponding information regarding our customers and users of the Services, including Personal Information, to third parties evaluating or facilitating the transaction. We also may retain a copy of such information. Nothing in this Privacy Notice is intended to interfere with our ability to transfer all or part of our business, equity interests, or assets (including the Services) to an affiliate or non-affiliated third party at any time, for any purpose, without any limitation, and without notice or any compensation to you, whatsoever.
We may disclose and share anonymized or aggregated information about you (information that does not directly and personally identify you) or any other of your Non-PII at our discretion.

In each case when we disclose your information to third parties, your information will become subject to the information use and sharing practices of such third parties, and such third parties will not be restricted by this Privacy Notice with respect to their use and further sharing of your information. To opt-out of our sharing of your information with such third parties, see the Choices about How We Use and Disclose Your Information section.

Retention of Personal Information
We retain personal information in accordance with applicable laws or regulatory requirements and also for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.

User Contributions
The Services may contain public areas, forums, or features that allow you to provide your User Contributions to be published or displayed or transmitted to other users of the Services. Your User Contributions are posted on the Services and transmitted to others at your own risk. For this reason, we recommend that you do not include any sensitive or personally identifiable information about yourself or others in your User Contributions for these areas of the Services. Please see our Terms of Use for more information concerning User Contributions.

Automatic Information Collection Technologies and Usage Information
We and our service providers automatically collect “Usage Information” from or about you, such as information about your computer or mobile device, IP address, web browser, computer or device platform, related software and settings you are using, browsing actions and patterns, the referring page that linked you to us and the website you visit after using the Services, and other usage activity on the Services. Collection of Usage Information helps us to improve the Services and to deliver a better and more personalized service by enabling us to, among other things: (1) estimate our audience size and usage patterns; (2) store information about your preferences, allowing us to customize the Services according to your individual interests; (3) speed up your searches; and (4) recognize you when you return to the Services. We and certain third parties, such as advertising service providers, may use certain technologies to collect information about your online activities over time and across different services.

The automatic collection technologies we and our service providers may use for this automatic information collection include:

Cookies
The Website uses a “cookie” to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer’s hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

Flash Cookies. Certain features of the Services may use locally stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on the Services.

Web Beacons. Pages of the Services and any emails we send to you may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened our emails and for other related website analytics (e.g., recording the popularity of certain website content and verifying system and server integrity).

For more information about managing your privacy settings regarding automatic collection of Usage Information, see the Choices about How We Use and Disclose Your Information section.

Third-Party Advertisers and Interest-Based Ads
With the exception of certain of our webpages, services or features that may collect sensitive Personal Information such as financial information, we may permit third-party advertising companies or ad networks to display third-party advertisements on our websites and/or automatically collect Usage Information from our websites for purposes of determining your preferences and delivering interest-based advertising and content to you on the Services or other online properties, including those operated by third parties. Those ads may include ads for our products or services or for other companies’ products or services.

These third-party advertisers may combine the Usage Information with Personal Information you directly submit to them or that they receive from other sources, or the Usage Information they collect may include information that could allow someone to specifically contact you online without necessarily knowing your identity. We do not have access to or control over the automatic collection technologies that these third-party advertisers may use, and the information practices of these third-party advertisers are subject to these parties’ respective privacy policies, not this Privacy Notice.

You may want to receive interest-based ads for several reasons. Interest-based ads are helpful because they are more likely to be tailored to your particular interests. They are also more likely to help you discover new products and services that are actually relevant to you and your interests. Also, if interest-based tracking is enabled, you likely will not see the same ads over and over because the number of times you see a particular interest-based ad is usually limited. By opting-out of interest-based ads, you lose all of these benefits. If you would like more information about opting-out of interest-based ads or would like to opt-out, see the Choices about How We Use and Disclose Your Information section or visit the opt-out pages of the Network Advertising Initiative (“NAI”) and Digital Advertising Alliance (“DAA”). We follow the DAA’s Self-Regulatory Principles for Online Behavioral Advertising.

Third-Party Content
The Services and all electronic communications sent in connection with the Services, may contain links, videos, images, or other content provided by third parties. We do not necessarily endorse these websites, products, services, or practices. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle information they may collect from or about you.

The Services may also allow you to engage with social media features, such as the Facebook Like button, Google Plus, and Twitter widgets, when you are logged into those services. These features may collect information about your IP address and which page you are visiting on the Services, and they may set a cookie to make sure the feature functions properly. Your interactions with these features and the information from or about you collected by them are governed by the privacy policies of the companies that provide them.

Special Notice to California Residents — Your California Privacy Rights (CCPA) 

-Right To Know
If you are a California resident and have provided your personally identifiable Personal Information to us, you may request a notice disclosing the categories of Personal Information we have shared with third parties for their direct marketing purposes during the preceding calendar year. To request a notice, your request must be submitted to us at [email protected] with the words “Request To Know” in the subject line and please include the following information so that we can accurately identify you: full name, address, and telephone number. This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information related to your request to speed up our response to your request.

-Right To Remove
If you have submitted or provided your personally identifiable Personal Information to us, and would like us to remove it from our database (where applicable by law), please click here.

-Right To Opt-Out (Do Not Sell My Personal Information)
To exercise the right to opt-out, you (or your authorized representative) please click here.

We commit to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period by email. These requests may be made no more than twice within a 12-month period.

Your Choices About Use and Disclosure of Your Information
We strive to provide you with choices regarding the Personal Information you provide to us. Below are some mechanisms that provide you with control over your information:

Promotional Emails. If you do not wish to receive promotional emails from us, including our e-newsletters, contact us at [email protected] to opt-out or follow the unsubscribe process at the bottom of the promotional email. Note that even if you opt-out, you may still receive transactional emails from us (e.g., emails related to the completion of your registration, correction of user data, password reset requests, reminder emails that you have requested, and any other similar communications essential to your transactions on or made through the Services).

Telephone Calls. If you do not wish to receive promotional telephone calls, contact us at [email protected] opt-out. This opt-out does not apply to any informational telephone calls.

Third-Party Interest-Based Ads. We do not control third parties’ collection or use of your information to serve interest-based ads. However, you can opt-out of receiving interest-based ads from third-party advertisers and ad networks who are members of the NAI or who follow the DAA’s Self-Regulatory Principles for Online Behavioral Advertising by visiting the NAI and DAA websites. If you opt-out, you may still see contextual advertising from us, meaning you may still see personalized recommendations about our products and services and other similar features on the Services. You may also still see ads provided by us or others on other third-party websites; they just will not be based on your particular interests. Also note that your opt-out will be managed through the use of cookies, so if you disable or delete cookies on your browser or use a different browser or computer, you will need to opt out again.

Do Not Sell or Share. Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your Personal Information with non-affiliated third parties for promotional purposes, contact us at [email protected] to opt-out. Any opt-out request will only apply from the date of your request, and we will not be responsible for any communications that you may receive from third parties who received your Personal Information prior to your request. In these cases, please contact the third parties directly. Note, that opting out may inhibit your ability to use all or part of the TheLoanJar.com service.

Accessing and Correcting Your Information
The appropriate method(s) for accessing your information, if any, will depend on which of our websites and services you have visited or used. Depending on the website and service, you may have the ability to view or edit some of your information online, by logging into the TheLoanJar.com and visiting your account settings page. You may also contact us at [email protected] to request access to, correct, or delete any Personal Information that you have provided to us; however, we may ask you to verify your identity and provide other details to help us to respond to your request.

We cannot delete your Personal Information except by also deleting your user account. Once your user account is deleted, it cannot be recovered. We also may not accommodate a request to change or delete information if we believe the change would violate any law or legal requirements, be contrary to our Terms of Use or any other applicable agreement between you and us, or cause the information to be incorrect. After deletion of your user account, your Personal Information may remain on our archived database and records.

Also, if you delete or request the deletion of your User Contributions from the Services, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied, stored, or reposted to another website by other users of the Services.

Permanently Deleting Your Information from Our Database
We respect your privacy and your ability to choose whether to share or not share information with the Site or any third party. You may choose to “opt-out” of having us share your personal information in several ways. You can choose to decline to provide personal information on the Site. If you have previously submitted personal information to the Site, you may request that we discontinue sharing such information with third parties, by communicating this preference in writing to us through our contact form. Similarly, if you receive communications from us that you prefer not to receive, you may opt out from receiving these communications by specifically indicating this preference through our contact form or by following the unsubscribe instructions contained in the email communications you receive. If you opt-out, we will not contact you after we have processed your opt-out request (up to 3 days) unless otherwise provided in this privacy policy. However, if we shared your information with third parties prior to the processing of your opt-out request, such third parties may continue to contact you. If you receive email correspondence from third parties, you should contact such third parties directly with respect to opting out of such third party communications.

If you have submitted or provided your personally identifiable Personal Information to us, and would like us to remove it from our database (where applicable by law), please send your request to us at  [email protected]  with the words “Opt-Out and Unsubscribe” in the subject line. Please include your name, address, phone, and email that we have on record for you, for us to cross reference, in which you would like removed.

Security
All collected information is stored in a technically and physically secure environment. Furthermore, access to this information is strictly limited, and the information is not accessible to the public. Our employees are dedicated to ensuring the security and privacy of all TheLoanJar.com user information. To prevent unauthorized access, maintain data accuracy and ensure the correct use of information, we use appropriate industry standard procedures to safeguard the confidentiality of your personal information, such as firewall, encryption, token authentication, application proxies, monitoring technology, and adaptive analysis of network traffic to track abuse of our network and its data.

In addition, TheLoanJar.com has security measures in place to protect the loss, misuse and alteration of personal information under our control. Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, your use of the Services is at your own risk and we do not promise or guarantee, and you should not expect, that your information will always and absolutely remain private and secure. We are not responsible for the circumvention of any privacy settings or security measures contained on or concerning the Services. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse. In the unlikely event that we believe that the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, if we have your email address, we may notify you by email. You consent to our use of email as a means of such notification. If you prefer for us to use another method to notify you in this situation, please email us at [email protected] with the alternative contact information you wish to be used.

The Services Are Not for Children
Visitors under 18 years of age are not permitted to use and/or submit their personal information at the Website. TheLoanJar.com does not knowingly solicit or collect information from individuals under the age of 18. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

In the event that we learn that we have collected personal information from a person younger than 13 years old, we will delete that information and terminate the child’s account (if any). If you believe that a child under the age of 13 has provided us with personal information without verification of parental consent, please contact us at [email protected].

The Services Are Intended for Use in the United States
The Services are operated in the United States and are not intended for international users. This Privacy Notice is intended to cover the collection of information on the Services from residents of the United States. By using this site, you agree to be a resident of the United States. If you are not a resident of the United States, you are not permitted to use this site and our Services. If you are accessing the Services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States and other countries and territories. The information protection laws of the United States and the other countries and territories might not be as comprehensive or protective as those in your country. By using the Services and our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Notice. We make no claim that the Services may be lawfully viewed or used outside of the United States.

Changes to This Privacy Notice
We may update or amend this Privacy Notice at any time. This Privacy Notice will reflect the date it was last updated or amended. If the manner in which we use personally identifiable information changes, we will notify users by posting the changes on this Website. All amendments will take effect immediately upon our posting of the updated Privacy Notice on the Services. Under certain circumstances, we may also elect to notify you of changes or updates to our Privacy Notice by additional means, such as posting a notice on the homepage of the Services or sending you an email. Please check this Privacy Notice each time you use the Services to ensure you are aware of any changes in our practices. The users continued use of the Website and/or continued receipt of TheLoanJar.com e-mails constitutes an affirmative acknowledgement and acceptance by the user to the terms of the modified Privacy Policy.

Contacting the Website:
If you have any questions about this Privacy Policy or the practices TheLoanJar.com please feel free to contact us via email at [email protected].

Acceptance of Terms – Your use of TheLoanJar.com indicates an acceptance of the terms of the Privacy Policy and Terms of Use.