In order to get connected to prospective lenders on the website, you would be required to share certain basic information which would act your as personally identifiable information (herein referred to as PII). PII mainly consists of a borrower’s unique identification details such as his first name, last name, social security number, contact information, bank account details, driver’s licence details among other such data points. Submitting your PII implies that you are voluntarily using the services of the website. In case you do not wish to use the website’s services, you can refuse submission of PII.
Apart from PII, during the usage of the website, we also collect a borrower’s non-personally identifiable details (herein referred to as NPII) It's possible that we also compile your non-personally identifiable information ("NPII") in order to track consumer behaviour so that we can improve on overall consumer experience. It is aggregated to analyse website feature usage, intuitive flow etc. This data is collected irrespective of you registering on the website and contains details of the user’s browser, operating system, IP address, date & time stamp, details of your internet service provider etc. The right to use the NPII by third parties will be at the website’s discretion.
When you provide us with PII, we use it to simplify the procedures associated with your access to services and products of third parties lendersthat you have expressed interest in. It might be possible that your information might be used for problem-solving technical issues, to customize the services being advertised to you and it might be shared with consumer research or similar agencies in order to improve on your user experience.
Further, the website might share your PII with third party agencies & marketers to make it easy for you to be informed about products that would make your search easy. They might communicate with you via telemarketing calls, courier or email. Telemarketing calls or messages would over-ride your name appearing in the federal commission’s do-not-call registry as registration on website implies your intent to make a purchase and aligns itself with Amended Telemarketing Sales Rule, 16 CFR & 310.
In rare cases, at our discretion, in case it is required legally, we might share the information with government authorities and agencies in good faith. The reasons for this includes but is not limited to (a) legal requirements (b) protect property & rights of the website (c) to prevent crime or (d) protect safety of user & public.
At anytime in the future, we might associate the website to a third party in the form of an acquisition or merger. In this case, we would need to share your PII as a part of asset transfer to the said party. In the unforeseenscenario that the website undergoes voluntary or involuntary insolvency, the liquidator might like to dispose, transfer or sell PII as per the transactions allowed by the court. These events might be communicated to the users of the website via email or a conspicuous notice on the website. In all of the above cases, the final recipient of the data might be located outside the territory of the United States of America.
Upon usage of the website or on receiving any electronic communication such as email from the said website or third parties; your system might be embedded with cookies, pixel tags, browser usage analysis tools, web beacons and server logs. These might be used to analyse your online user behaviour, gain information on your browser and IP addresses etc. All of the aforementioned devices add to the cumulative information collected about you and are stored on our servers. The same transfer permissions apply to these as is applicable to PIIs & NPIIs and users are expected to take cognisance of the same. The user can choose to disallow cookies by making suitable adjustments to their browser settings.
Similarly, you can disable cookies on your browser and unsubscribe from email links. These are some of the options available to the user to actively manage their privacy.