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’?
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’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:
We have not enabled Google AdSense on our site but we may do so in the future.
California Online Privacy Protection Act
According to CalOPPA, we agree to the following:
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.
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.
5550 Glades Rd
Boca Raton, FL 33431
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.
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.
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.