Privacy Policy

Privacy Policy

www.lendingone.com

LendingOne, LLC’s (“LendingOne”) Privacy Policy (“Privacy Policy”) has been compiled to better serve those who are concerned with how their “Personally Identifiable Information” is being used online. Personally Identifiable Information, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your PII in accordance with our website.

This Privacy Policy applies to LendingOne’s websites, www.lendingone.com and https://app.lendingone.com (collectively, the “Websites”). It describes how LendingOne collects and uses the personal information you submit on our Websites in order to provide you our private real estate loan products and services (collectively, the “Service”). It also describes the choices available to you regarding our use of your personal information and how you can access and update such information.

What personal information do we collect from the people that visit our Websites or blog?

When ordering or registering on our Websites, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, credit card information, social security number, financial information such as, bank statements, credit card statements, your average bank balance, personal and business credit history, payment behavior, bank account information and tax ID number. We supplement the data you provide with your credit score obtained from the three credit bureaus. Once you become a LendingOne customer, we may reach out to you for information again if you decide to renew your loan or enter into other loans.

When do we collect information?

We collect information from you when you register on our Websites, order our Service, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our Websites.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the Websites, or use certain other site features in the following ways:

  • To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested;
  • To improve our Websites in order to better serve you;
  • To allow us to better service you in responding to your customer service requests;
  • To administer a contest, promotion, survey or other site features;
  • To quickly process your transactions;
  • To send periodic emails regarding your order or other products and services;
  • Compile, save, use and analyze your personal information in both a personally-identifiable form and an aggregated, non-personally identifiable form;
  • Verify your identity;
  • Register you as a user and identify you when you sign in to your account;
  • Determine whether you qualify for one of our loan products;
  • Process your account, including deducting automatic payments; and
  • Communicate with you to send order confirmations, respond to customer service requests, send marketing communications, and send account update notifications.

How do we protect visitor information?

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all website traffic and information you supply is encrypted via Secure Socket Layer (“SSL”) technology.

We implement a variety of security measures when a user places an order or enters, submits or accesses their information to maintain the safety of your personal information. All credit card transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items, understand your preferences based on previous or current site activity, which enables us to provide you with improved services, and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future, keep track of advertisements.
These technologies are used in analyzing trends, administering the Websites, tracking users’ movements around the Websites and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Internet Explorer) settings. Each browser is a little different, so look at your browser’s Help menu to learn the correct way to modify your cookies. If you disable cookies off, some features will be disabled. It won’t affect the user’s experience that make your site experience more efficient, but some of our services will not function properly. However, you can still place orders.

Third Party Disclosure

We do not sell, trade or otherwise transfer to outside parties your Personally Identifiable Information, unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, processing credit or background checks, servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

We do not include or offer third party products or services on our website.

Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. For more information, click on the below link:

https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site but we may do so in the future.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf
According to CalOPPA, we agree to the following:

Users can visit our site anonymously. Once this Privacy Policy is created, we will add a link to it on our homepage, or at a minimum on the first significant page after entering our Websites. Our Privacy Policy link includes the word “Privacy,” and can be easily be found on the page specified above. Users will be notified of any Privacy Policy changes via our Privacy Policy Page. Users are able to change their personal information: by emailing us at info@crestarfunding.com.

How does our site handle do not track signals?

We honor do not track signals and do not track, plant cookies or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third party behavioral tracking?

It’s also important to note that we allow third party behavioral tracking.

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (“COPPA”) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under 13 when reasonable feasible.

CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:

  • Send information, respond to inquiries, and/or other requests or questions;
  • Process orders and to send information and updates pertaining to orders; and
  • Market to our mailing list and/or continue to send emails to our clients after the original transaction has occurred.

To be accordance with the CAN-SPAM Act, we agree to the following:

  • NOT use false or misleading subjects or email addresses;
  • Identify the message as an advertisement in some reasonable way;
  • Include the physical address of our business or site headquarters;
  • Monitor third party email marketing services for compliance, if one is used; and
  • Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email.

Contacting Us

If there are any questions regarding this Privacy Policy, you may contact us using the information below:

www.lendingone.com

5550 Glades Rd

Boca Raton, FL 33431

info@crestarfunding.com

 

  1. Terms of Use

Terms of Use

LendingOne, LLC’s (“LendingOne”) websites, www.lendingone.com and https://app.lendingone.com (collectively, the “Websites”), and its online loan application form included therein (“Loan Application Form”) are subject to the below terms and conditions (“Terms of Use”).  Your use of the Websites or Loan Application Form constitutes your acceptance of these Terms of Use.

The Loan Application Form is provided merely as an invitation for information to be submitted. Use of the Loan Application Form should not be construed as creating a lender-borrower relationship between you and LendingOne and should not be construed as creating a commitment to lend on the part of LendingOne. LendingOne does not guarantee that information submitted will be reviewed nor does it guarantee that a representative of LendingOne will contact you regarding your submission.

You acknowledge that LendingOne may provide your information to other trusted companies providing services or products similar to, or complementary with, your requested services or products, so long as those parties agree to keep your information confidential.

By using the Loan Application Form, you certify your submission is not prohibited by any confidentiality obligations, employment agreement or similar contractual obligation. You expressly agree and acknowledge that the information submitted is truthful and does not contain misleading or false statements. You further agree and acknowledge that you have proper authorization to submit the Loan Application Form and discuss its contents with LendingOne or its employees.

By using the Loan Application Form and submitting the information, you represent and warrant that you own or otherwise control all of the rights to the content that you provide (or if you are acting on behalf of an entity, that you have the authority to submit the information), that the content is accurate, and that it does not violate this Terms of Use. You grant LendingOne a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, copy, modify, display, archive, store, distribute, reproduce and create derivative works from all information you provide, in any form, media, software, or technology of any kind now existing or developed in the future. Without limiting the generality of the foregoing, you authorize LendingOne to include the information in a searchable format that may be accessed by LendingOne. You also grant LendingOne the right to use your name and other information that you provide in connection with its use and with the reproduction or distribution of such material. All rights in this paragraph are granted without the need for additional compensation of any sort to you.

To the fullest extent permitted by law, LendingOne excludes all representations and warranties relating to use of the Loan Application Form. To the fullest extent permitted by law, the LendingOne excludes all liability for damages arising out of or in connection with your use of the Loan Application Form. This includes, without limitation, direct loss, loss of business or profits, whether or not the loss of such business or profits was foreseeable, arose in the normal course of business, or whether or not you advised LendingOne of the possibility of such potential loss.

By using the Loan Application Form or any product, service, or functionality originating from your use of the Websites or services offered by LendingOne, you are allowing LendingOne to share information with any third parties with whom LendingOne has a pertinent contractual relationship, any information necessary to facilitate its provision of products, services, or functionality to you.

LendingOne reserves the right to change the terms, conditions, and notices under which the Websites are offered. LendingOne shall have the right, at its discretion, to change, modify, add or remove terms of this Terms of Use at any time without notice. Changes shall be effective immediately. You agree to review this Terms of Use periodically. Your use of the Websites or the Loan Application Form constitutes your continued acceptance of the Terms of Use.

In the event that any provision of this Terms of Use is found to be invalid or unenforceable by a court of law or other appropriate authority, the invalidity or unenforceability of such provision shall not affect the other provisions of this Terms of Use, which shall remain in full force and effect.

This Terms of Use shall be governed by, and construed in accordance with, the laws of the State of Florida applicable to contracts executed in and to be performed entirely within that state, without reference to conflicts of laws provisions, except for patents, trademarks and copyrights, which shall be governed by and under the applicable patent, trademark and copyright laws. You agree (i)  any lawsuit, proceeding or action arising out of or relating to this Terms of Use may be brought only in the courts of the State of Florida, county of Palm Beach, or of the United States of America for the Southern District of Florida, (ii) accept for yourself and in respect of your property, generally and unconditionally, the exclusive jurisdiction of such courts, (iii) irrevocably waive any objection, including, without limitation, any objection to the laying of venue or based on the grounds of forum non conveniens, which it may now or hereafter have to the bringing of any lawsuit, proceeding or action in those jurisdictions, and (iv) irrevocably consent to the service of process of any of the courts referred to above in any lawsuit, proceeding or action by the mailing of copies of the process to your principal residence.

BY USING THE LOAN APPLICATION FORM, YOU HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVE ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY ACTION, SUIT, COUNTERCLAIM, OR CROSS-CLAIM ARISING IN CONNECTION WITH, OUT OF, OR OTHERWISE RELATING TO THE USE OF THE LOAN APPLICATION FORM, THE WEBSITES, ANY TRANSACTION ARISING THEREFROM OR RELATED THERETO, OR ANY DISPUTE INVOLVING YOU AND LENDINGONE.