Terms Of Service
Your privacy is our concern
This policy evolves with business factors, technology, etc. You should consult it each time you consider use of our service.
www.loanorcredit.com are not lenders or financial institutions, and therefore do NOT make decisions regarding financial services or loans. Completing the form does not guarantee approval of your loan. Your application is forwarded to one of our many service providers who will potentially provide you with a service.
Who we are and What we do
www.loanorcredit.com, (“the site.”) Through this site, the company operates a customer data base (“the service”), through which it collects sorts and sells contact information to businesses on behalf of individual consumers who have shown an interest in applying for a business’ products or services and asked to be contacted by a representative of these products and services.
By providing information on this site, you acknowledge that they operate in the Canada. and agree to allow the company to use your information as necessary, including across international boundaries to procure goods and services as required by the application. Company uses third party vendors, third party affiliates, and a mixture of media advertisements to promote the site. Company also supplements our database by purchasing databases of consumers who have completed applications on websites other than the company’s. The persons in this database have affirmatively requested more information about products or services similar to those offered on company’s site.
Company also promotes its products and services via e-mail or by telephone, or mobile device to consumers who have requested that they be contacted either through our online application opt-in process via our site or through an opt-in process on one of our many vendor or affiliate sites. Consumers receive these promotions only as long as they wish. They may opt-out at any time by following the instructions in Opt-out section below.
We do not knowingly target our services or collect information on persons under 18 years of age.
Information Collection and Storage
The following is required information you must provide when applying for one of our products or services: name, city, state, address, postal code, work phone, home phone, e-mail address, house type, loan amount desired, place of employment, years employed, yearly income, loan desired, and best time to call.
Not all information asked for on our site is required when you fill out our forms. Only Information about your computer hardware and software is automatically collected by www.loanorcredit.com and may be shared in aggregate with third parties whose services are used for traffic analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by www.loanorcredit.com to maintain and improve the quality of the service and to generate statistics regarding use of the site. Site does not use third party databases to correct or update the information you submit to us for any reason.
If you communicate with us via e-mail we will keep those messages, as well as a record of our responses. We protect this information in the same way that we protect telephone and mail communications.
We keep your information for as long as your account is active. We will retain your information as necessary to comply with legal obligations, resolve disputes and to enforce our agreements.
When you submit your application online you grant permission to be contacted by the site and affiliated third parties.
We use personal information in providing the loans applied for, processing the payment, advertising and marketing efforts, monitoring the use of the service, improving our products and services, as well as, the site’s content and design and other lawful purposes.
Your information will be shared with lenders who receive your application as well as affiliated third parties, as needed, to fulfill your loan request. These affiliated companies may also send you information about products and special offers that may be of interest to you.
We will also use the information to notify you about changes to our website, our services and to inform you of special offers you may find worthwhile.
Sharing and Selling Information
We do not share, sell, lend or lease any of the personal or financial information that you choose to provide us (such as personal details or bank information) with anyone except to the extent it is necessary to process transactions or provide services that you have requested.
We do share with affiliated third parties such as, but not limited to, lenders, title service companies and auto finance companies.
We may also use your information to service our relationship with you, to prevent fraud, for the purposes of debt collection, to conduct our business, including better customer service and to market other products from the site, as well as, affiliated third parties. It may also be used for statistical analysis.
Updating your information
You may update your information at any time by emailing us. Go to the Contact Us tab on the main page.
Changes of ownership
In the event that this website or other parts of the company’s assets are sold, customer information is considered part of the assets of the company, and as such, may be transferred to the new owners. In this event, you would be notified by e-mail or by notice on this website.
In a manner similar to virtually all commercial or business websites we use “Cookies” to store information. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes.
We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browsers help file.
We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.
Third Party Cookies
If you wish to opt-out of our service by having your information removed from our database and to stop receiving e-mails from us, please go to the Contact Us tab on the Main Page. www.loanorcredit.com/contact_us.html
Security and fraud
Site uses a variety of security technologies to protect your personal information. When information is transmitted over the internet we protect through use of encryption, such as the SSL (Secure Socket Layer) protocol. No method of transmission, over the internet, or mode of storage, is 100% secure. As a result, we cannot guarantee its 100% security. If false or inaccurate information is provided, the information will be passed on to appropriate law enforcement agencies.
If the manner in which your information is used is materially changed, every attempt would be made to reach you by e-mail. A notice would also appear on the site.
All information provided is in accordance with the Data Protection Act.