Privacy Policy

 

Lewinskyloans.com

Effective Date: August 8, 2018

 

Lewinskyloans.com (hereinafter referred to as “Company”, “our”, “us”, or “we”) elucidate in detail the privacy policy (hereinafter referred to as “Privacy Policy”) so as to construe the management and regulation of private information, that is defined below, and reassure you on our commitment and obligation towards privacy and safeguard of personal information and other details used on the Lewinskyloans.com website (hereinafter referred to as the “Site”).

We place great value on your rights and understand the importance of the security and privacy of your information. We employ data collection technology and tools that offer accountability, transparency, and other relevant options essential for management of your personal information.

You will be provided with access to necessary contact information, which you may use when desired to delete all your private details stored in our databases.

The terms and conditions of the Privacy Policy are only for the residents of the United States of America (US), due to the fact that the service offered by the Site is only for use of the residents of the US. The Privacy Policy is in sync with and constructed in accordance with the laws and regulations of the US. If you register on the Site, you unequivocally and willingly accept and agree, without qualification or restriction, the facts of gathering, using, and distributing your information in accordance with the terms of this Privacy Policy.

We advocate that you scrutinize this Privacy Policy with great care and attention and understand all the current and future actions linked to the activity on the Site and the manner in which this Privacy Policy impacts your liabilities and rights under the law.

If you do not accept and agree with the practices of the Company and its Terms and Conditions, which control the Company’s activity, please, do not contact Lewinskyloans.com in any way, carry out any transaction, go through the process of registration on the Site, or provide us or the Site with your details or other personal data. If you have any queries or require clarifications with regards to any problem associated with this Privacy Policy or our privacy practices, you are welcome to contact us through email or other forms of communication or contact listed on the Site. If you wish to contact us, please use this email for all your queries: admin@Lewinskyloans.com

THIS SITE IS STRICTLY INTENDED FOR THE LEGAL RESIDENTS OF THE US (UNITED STATES OF AMERICA) WHO ARE OVER THE AGE OF 18 YEARS. IF YOU CHOOSE TO USE THIS SITE, YOU EXPRESSLY AND WILLINGLY ACCEPT AND CONSENT THAT YOU HAVE READ, COMPREHENDED, AND AGREED TO THE TERMS AND CONDITIONS AND THE TERMS OF PRIVACY POLICY ENUMERATED AND ELABORATED BY THE COMPANY. YOU ARE ADVISED TO NOT USE THE SERVICES OF THE SITE IF YOU DO NOT UNDERSTAND OR DO NOT ACCEP THE PRIVACY POLICY OR OTHER BINDING DOCUMENTS ASSOCIATED WITH THE COMPANY OR THE SITE.

 

1. We collect the below mentioned details and information

When you use this Site or its matching services, you offer the data which is collected by the Company and used as per this Privacy Policy. During registration, you offer your personally identifiable information (“PII”), which we gather and use in accordance with the restrictions of these policies. “PII” refers to the unique contact and identification details of each individual. Taking into account that you provide this data willingly and voluntarily for the intention of further use of the services provided by the Site, you can decline to provide PII if you do not need any service. PII comprises of, but is not restricted to the following: Your first name, your last name, your date of birth, and your contact details which includes Social Security Number (SSN), telephone number, email address, home and mail addresses, bank account, zip, driver’s license number, and employment and financial information (all of which together is hereinafter referred to as “PII”). Your banking and SSN information is used by us solely for the purpose of the search and matching service and we do not share these details with any third party, unless otherwise it is mandated by applicable law or unless otherwise it is essential for carrying out the service that you offer your consent to.

There is also the possibility of us collecting your non-personally identifiable information (“NPII”) when you are browsing through the different pages of this Site. NPII details are used by us to analyze and create the specifications and facets of this Site’s usage and to track and follow consumer behavior for the purpose of administering changes, if any, according to the requirements of the consumers. This kind of data is collected irrespective of whether or not you willing put in your personal details and register on the Site. NPII comprises of, but is not limited to the following: The Internet Protocol (“IP”) address of the user, user’s browser, user’s operating system, the date/time stamp, referral/exit pages, and/or domain name of the Internet service provider, which allows connection.

We keep the right to share NPII to different third parties to our own discretion.

 

2. Sharing and Usage of PII

When you use the services and products provided by the Site, we need your PII. We understand the value and importance of your privacy, and place all precautionary steps and take all possible efforts to match the pertinent legislation, including by not restricted to the associated privacy protection acts that are valid and legitimate in the corresponding location or state.

Usually, the information provided by you is used for fulfilling your needs with regards to your request, reply to your application, and facilitate connection with varied third-party services, products, promotions, or offers as per your enquiry. Additionally, the information that is voluntarily provided by you is used by us to facilitate protection from likely fraudulent activity, to utilize it for other purposes after getting your permission, and to utilize it for other causes allowed by applicable law. Before we use your information, we take your consent for the Company to transmit and share the collected information as set forth herein.

When you offer us with PII, we employ it for simplification of processes related with access to the products and services of the third parties that you have shown interest in. This means that, we can share your PII to a third party partner or financial provider doing business with us, so as to be able to offer you with the services and products that you seek and have shown interest in.

Some details of your PII (with the exception of banking data and SSN) may be used by the Company and transferred to authorized third parties to offer improved service delivery and carry out technical support for us. Such third party individuals and companies are bound and obligated by the liabilities and cannot share your data in any manner whatsoever with other third parties or use your details for any other reason. It is possible that we will use your details for purposes of disputes, enforce our contracts with you, resolve technical issues, or to make possible the customization and personalization of the Internet service for you and/or the third parties with the restrictions placed by applicable law and this Privacy Policy. It is also possible that we may transmit some of the details that you offer to consumer reporting and such other associated agencies, with the authority to gather such information through third parties.

If we think it to be necessary, we can at our discretion reveal any or all data if it is legally required, and in other instances to share the data upon request with authorized government entities, or if we regard in good faith that it is essential for: (a) protecting the property and rights of the Company or our affiliated companies; (b) corresponding to legal mandates or to abide by legal processes; (c) protecting and securing the personal safety and security of our users or the general populous as a whole; or (d) working for the intention of safeguarding national security or preventing crime.

It is possible that the Company may open and transfer any or all data to a third party company that acquires the whole or some or any part of our business, either through consolidation, merger, or purchase or all or a significant part of our assets. Furthermore, in the instance if the Company gets involved in an insolvency proceeding, either involuntarily or voluntarily, we ourselves or our liquidator, as well as the receiver, administrator, or administrative receiver may license, sell, transfer, or dispose the data in any manner via transactions permitted by court. It is possible that we notify our customers about the sale of the entire enterprise or a significant part of the enterprise to a third party by sending notifications via email or via a distinctively visible notice posted on the Site. It is also possible that in any of the mentioned instances the recipients of the information may potentially be based in any country on Earth.

 

First and Third Party Marketing

We notify you that the Company keeps an exclusive right to share or sell some of your PII with/to different individuals that include but are not limited to advertisers of the Company’s network, third party lenders, third party marketers and information re-sellers, and independent organizations or companies that has marketing collaborations with the Company, taking into consideration that some of them may sell data to retailers and advertisers that may offer you deals for services and goods (collectively referred to as, “Third Party Marketers”). Moreover, the data we share may be sold and further transferred amongst Third Party Marketers, without or by using information technology. It is possible that distinctive lists are made and stored for differed reasons. If you feel that you have to remove your participation in any specific list, you can unsubscribe easily by using the unsubscribe button option present at the bottom of the message linked to the service that the list is being used for.

The Company or/and Third Party Marketers, both, can use your information to contact you for purposes of marketing (via email, direct mail, short messages, telemarketing calls, and online banner commercials). Additionally, your PII can be used for purposes of tracking your web activity across varied websites on the internet (with the restrictions of applicable law) and understand and learn about your using and searching habits to enhance our user’s profile, as well as to continue with further advertisements for services and/or products and/or to ascertain the online portals that you access most regularly.

Although the contract may state the total number of third parties that can use your PII, it is possible that we may have nil or limited access to their privacy practices and hence, have no control on the manner in which they use your data. It is possible, for this reason, that Third Party Marketers may keep or utilize some of your PII despite your rejection to use their services and/or products. You may contact such third parties to gain knowledge about their information sharing and privacy practices, for the complete know how of their workings. Please, directly communicate with the third parties if you desire to delete your details form their list or have any queries with regards to their services.

With your continued use of the service of this Site, you agree and accept with the following terms with regards to sharing your data with third parties, and comprehend the possible consequences of this fact, permitting us to transmit the anonymous aggregated information from the PII shared by you when accessing the Site or using the Site’s service. Among other reasons, your PII can be utilized to provide you services and products in accordance to the behavioral and demographic data.

You can gain more knowledge about the utilization of NPII and PII by the Company and Third Party Marketers mentioned in Section 3 and 4 of this document.

IT IS IMPORTANT TO KNOW AND REMEMBER THAT YOU CAN AVOID ANY CONTACT FROM US AND/OR GETTING ADDITIONAL INFORMATION BY DECLINING TO SUBMIT YOUR PERSONAL DETAILS. IF YOU HAVE ALREADY PROVIDED YOUR PERSONAL INFORAMTION AND SEEK TO OPT OUT AND DELETE YOUR DETAILS FROM OUR DATABASE, YOU MAY SEND YOUR REQUEST TO US THROUGH THIS EMAIL ADDRESS: admin@Lewinskyloans.com. AFTER YOU SEND THE REQUEST FOR DELETION OF YOUR DATA FROM OUR DATABASE, YOU CAN BE ASSURED OF THE FACT THAT IT IS NOT BEING USED FOR SECONDARY PURPOSES, FOR SENDING NEW PROMOTIONAL COMMUNICATIONS, OR SHARED WITH THIRD PARTY MARKETERS. HOWEVER, THE COMPANY DOES NOT BEAR ANY RESPONSIBILITY FOR PROMOTIONAL COMMUNITIONS SENT TO YOUR BY THIRD PARTY IRRESPECTIVE OF YOUR ACTIVITY ON THE SITE.

 

Credit Implications

The third party lenders working with us receive access to your personal data and may verify, without restriction, your driver’s license number and Social Security Number, as well as other details of qualification. They employ such verification techniques to check your data against national databases and ascertain your credit standing, credibility, and/or credit capacity. Please, understand that numerous requests to the credit bureaus (Transunion, Equifax, and Experian) may adversely affect the credit score. When you disclose and provide your personal details using the Site, you agree to give consent to third parties to check your data and verify your credibility using the means indicated in the terms of these third parties.

 

3. Email and Telemarketing

If you register on the Site and agree to the terms of the Company, you accept that the Company may share your PII with stated Third Party Marketers and you understand that the Company as well as Third Party Marketers can use your data for advertisement purposes, including by not restricted to, through telemarketing calls and email.

After you voluntarily consent to receive telemarketing calls, the Company and Third Party Marketers can begin using your PII (which includes any details, other than your banking data and SSN, which may logically be taken from there) for advertising in an indirect or direct manner. The telephone number that you provide (including mobile phone number) can be used for making calls providing help to your inquiries about loans, or other credit services or products which seemed to be a matter of interest as per your request (regardless that your number(s) may be listed on a federal, state, or corporate Do-Not-Contact registry, suppression list, or such similar lists).

By registering on the Site, you agree with the fact that your registration and request are construed as an attempt of making a purchase. Your inquiry application and processing are concurrent with the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”). Due to this reason, although your phone number(s) are listed on the Do-Not-Call List of the Federal Trade Commission, you agreed and authorized us to contact you through telemarketing as per the ATSR. Furthermore, when you request the Site’s service or need the information from a Third Party Marketer or other associated media and offer your details, you agree that your enquiry is regarded as an intention of a purchase. Due to this reason, it is possible that the relevant Third Party Marketer may contact you through telemarketing in according with the terms of the ATSR.

With regards to any or all telemarketing campaigns, it is important for you to remember that you consent and understand the responsibilities and charges linked with this service, you have the authority to use the telephone or the mobile gadget, and you are over the age of 18 years. It is possible that your wireless service provider and carrier may gather the data with regards to usage of your mobile device. The practices of such companies are controlled as per their own terms and policies.

 

4. How the Company Uses Web Beacons, Third-Party Cookies, Log Files, Pixel Tags, and Online Behavioral Technologies

Whilst using the Site and/or receiving emails you may come across Company-associated and Third Party Marketer (example, advertisements and advertisers) web beacons, cookies, pixel tags, web server logs, and browser analysis tools. These elements are used for monitoring your online behavior, collection of data about the type of browser and operating system, keeping track of the Internet Protocol (IP) addresses of the gadgets used by you, monitoring the emails and web pages viewed by you, and making contact with the services used by you on the web. Additionally, these tools allow the recording of information with regards to your clicks, usage of webpage links and online advertisements, and different specifications like the time zone, language of your system, and your locations.

We use cookies, which are small distinctive files allocated by a webpage server to users when they access those web pages and carry out activities like linking and clicking. Cookies thus help add data about consumer behavior that is unique to that consumer profile. These files can be stored on your computer or in web server logs, and later they are transferred by your computer to us and/or Third Party Marketers. Cookies can decode your online behavior, your browsing habits, store data about and your account, and reveal details about your choices and preferences. Additionally, either Third Party Marketers or the Company can identify you when you return to the websites and assist you in getting the services that are customized to your interests that are identified by your online behavior. Furthermore, these small files help in detection of fraud during suspicion and assist in arrangement of the terms to offer you with enhanced browsing experience.

Different cookies come with varying life length: some are short term, while others persist for a longer period. “Session” cookies are temporary and are used for management of page views in addition to other tasks and get deleted when you exit the browser. “Persistent” cookies are more permanent cookies that are stored on your computer for longer timeframes and used after you exit your browser session. You may either change your browser preferences with regards to cookies in your own manner or make your browser request whenever a cookie is set.

Web beacons and pixel tags are other special aspects. They are small graphic images that are present in emails or web-pages so as to permit the Company and/or Third Party Marketers for tracking the different actions performed by users. As soon as a user opens an email or a page, the web beacons and pixel tags begin creating the data about the actions carried out during the session. They allow the measurement of responses to correspondence and better associated promotions. You may visit www.webopedia.com/TERM/W/Web_beacon.html for additional information about web beacons.

Internet service provider, IP addresses, referral/exit pages, browser type, platform type, the number of clicks, and date/time stamp are log files used for analysis of users’ behavior and carry out website administration, monitor user activity, and collect broad demographic data for aggregate purpose.

The Company and/or Third Party Marketers, as set forth herein, accumulate varied data from cookies and other stated technologies, including but not restricted to, what website you had accessed before accessing the Site, the website that visit after exiting the Site, and other acts you carry out over time and across other online services and third party websites.

 

5. Management of Your Privacy

We use varied techniques and analyze your data to better customize and personalize your online experience. We however allow the options to restrict the data shared by you with us if you want to restrict communication or correspondence with our service and Third Party Marketers.

In order to prevent the sharing of your information with first and third parties and reduce online monitoring via web beacons, cookies, and other technologies on an email (banners) or webpage, you should decline to visit the Site, use the technologies related to changing IP addresses, or decline interacting with or clicking on any links or advertisements.

For more information on cookies, visit, http://www.aboutads.info, and http://www.cookiecentral.com. In these websites, you will learn about how to manage varied options related to browser preferences; how to accept, tune, or reject all cookies; or ask for a notification when a cookie is sent (from varied browsers like Firefox, Internet Explorer, Google Chrome, Safari). You may also verify your browser individual choices through the help section and receive guidelines on how to delete cookies and find information about other security and privacy settings that may be present.

DO NOT TRACK DISCLOSURE: The industry-standard Do-Not-Track protocol has not been set up till this time. Due to this, the means employed by the Company to gather and manage data are in line with the terms mentioned in the Privacy Policy, despite the transmission of “Do Not Track” signals, which some browsers may do. If you still want to opt out of certain services offered by Third Party Marketers, you may visit www.networkadvertising.org/consumer/opt_out.asp. If you choose to decline further communication or correspondence with the Company and/or Third Party Marketers, you can follow the instructions present in the messages you do not want to receive, which will provide with a step by step guide on how to opt out.

If you do not wish for the first and third parties to monitor or track you on the web through web beacons, cookies, and/or other technologies present in an email message, you may use the unsubscribe link in the email message and unsubscribe yourself from the email list.

 

6. Security of Your Personally Identifiable Information

The Company uses high-end advanced security systems to keep your PII secure and safe in our database, to protect it from unauthorized illegal access by malicious programs, and to offer only accurate usage and maintenance of the stated data. In addition to the use of appropriate electronic, physical, and managerial safety and security systems and procedures by us for your protection, we apply all essential measures to protect you against the inappropriate use, loss, and change of data in our control.

Your details are never publicly used and the access to information that you provide is restricted. Only the employees authorized to access your PII get access to them and they are limited to using the data strictly for carrying out certain functions inside the office premises and for carrying out the processes that you offer your consent to. All employees with access to your PII guarantee privacy and security to PII, to a reasonably possible extent. In case of any kind of data accident and the failure of an employee to follow our policies, she or he is subjected to punitive or disciplinary actions.

Regardless, the Company cannot offer a 100 percent guarantee that the implemented security measures will prevent the Company’s computers and other technological devices to be subject to infringements or other unlawful interventions like theft or alteration of the store data. In such instances, the Company does not bear any responsibility for such actions. However, you may place a request for your data to be deleted or altered from our databases, as elucidated below.

In case of the occurrence of any security breach, we guarantee to notify you about the condition of your PII in accordance with applicable state and federal laws. In addition to that, Third Party Marketers are contractually obliged to protect your PII to the level reasonably possible.

 

7. No Data Is Gathered from Children

We recommend that parents monitor the online activity of their children and track the operations carried out by them when using the internet. We guarantee that we do not gather any data, including PII, from children under eighteen (18) years of age. We will immediately erase any and all data received from children or associated to the PII of a child under eighteen (18) years of age.

Since we do not receive any data of that stated above, we do not manage or store any information about children, nor do we share such data with third parties. This Privacy Policy has been compiled in compliance with the Children’s Privacy Protection Act (“COPPA”).

 

8. Consent to Electronic Disclosures

The submission of your data by you via our Site implies that you agree to electronically receive periodic documents, notifications, and disclosures from our Company. This consent is also applicable to the data offered via our Site and any additional communications offered by our Company or Third Party Marketers. By submitting your details, you are indicating acceptance of documents, notifications, and disclosures from our Company and Third Party Marketers, all in compliance with our Privacy Policy. If you want to withdraw your agreement before the submission of data, you only need to exit the Site or shut your browser. You need to remember that you cannot submit any details if you withdraw your consent in one of the stated ways. After submission of your details, you can withdraw consent from Third Party Marketers by directly contacting them. Any documents, notifications, or disclosures that are electronically shared by our Company or Third Party Marketers with you should always be regarded as ‘in writing’ and hence you may print out a copy for recordkeeping.

According to the Federal Electronic Signatures in Global and national Commerce Act, users accept the application of consent to: (i) receive notifications, documents, and disclosures in an electronic form; (ii) the data provided by you, (iii) and that is shared and used by Third Party Marketers and the Company for the purpose of carrying out business electronically. After the data is completed and submitted, you are giving your consent to providing our Company with a correct and complete email address and other relevant information that is requested so as to receive electronic documents, notifications, and disclosures. Your submission and completion of your details via our Site is also an acknowledgement of the fact that you have read through and accept the terms of our Electronic disclosure agreement.

The Company and Third Party Marketers keep the right to stop electronic provisions of notifications and documents at any time. Ours users will be given prior notice of alterations or terminations as required by law. As a means to allow and promote electronic commerce, process records quickly, and decrease storage costs, users agree and accept that all records get stored electronically and that neither the Company, nor any third party, is mandated to maintain hard copies of original documents for any period of time beyond regulated obligations. This is applicable to all documents, disclosures, and notifications. Users also admit that all electronic documents, disclosures, and notifications may be routine destroyed after a specific time period established by regulatory mandates. Electronic storage of records via scanning, filming, and imaging may be finished via internal process or through third party processes that the Company or any Third Party Marketer would permit to finish such services. You agree that any of these records be identified and usable as the proof to confirm validation of obligations, rights, and agreements between all parties pursuant of such records. Our Company will maintain and retain data for a period of time that is essential for providing users with our products and services.

 

9. Third Party Privacy Practices and Links to Other Websites

The Company may offer links to third party providers for your convenience and additional information, and we push them to keep privacy policies, which safeguard the usage of your PII. But, third party use of PII is not within our control, and we do not bear any responsibility or liability for any content or practices of such websites. Whether or not there is a link to some other website, you agree that other websites and Third Party Marketers have their own privacy policies and you accept that you have perused their disclosure and collection practices before using any link. We recommend all users to familiarize themselves with the privacy statements of all third party websites before giving them any details or registering for any offers or promotions.

 

10. Special Notification for the Residents of Different States

We are a business enterprise that is subject to acts and codes that are valid in locations and states related to the individual instances of interaction between users and the Company. It is possible that in certain instances we are mandated to disclose the identity of any party to whom PII data was disclosed within established periods. It is also possible that we are required to disclose the types of personal details shared with such third parties for their purposes of marketing. For the residents of certain states, who want to make a request with regards to such data, we suggest them to directly contact our company and individually process the request. We keep the right to decline the submitted requests which are not pertinent to the contact data specified herein.

 

11. Alterations to This Privacy Policy

Our Company reserves the right to add, alter, or erase any part of our Privacy Policy without prior notice at any time. In case changes are made to this Privacy Policy, any and all updated will be declared herein and we shall update the “Last Updated” date, which is present at the bottom of this Privacy Policy. All data will be used in compliance with the Privacy Policy, which was enforceable at the time of collection of the information. All users have the option to ascertain whether the Company uses their data in this way.

We recommend all our users to check our Site on a regular basis to verify any potential changes or alterations that may affect them. Changes to the Privacy Policy in regards to use of the Site will only be applicable after the ratified Privacy Policy is reviewed, revised, and shown your agreement.

 

12. Complaints or Privacy Inquiries

Our Company endeavors to make sure that all PII is complete and accurate. Our users are fully in control of the data that we store in order to provide you with our services. Users can change their PII whenever they want and as frequent as they desire. Users may also make a request to erase their PII. Some data, if mandated by law or are a part of investigations of fraud, may be withheld from removal, in contravention to what is stated above.

The Site and associated services are offered by Lewinskyloans.com. If you have a complaint, request, or inquiry with regards to the services or access and changes to your PIII offered by you to the Site, please, contact us through email at: admin@Lewinskyloans.com. If you deem your issue as having been treated improperly, then you may also contact the associated organizations in the state where you reside that has relevant authority to resolve or review such type of cases.