This Privacy Policy covers BusinessLoanGate.com (“BusinessLoanGate”), its subsidiaries, and any of its websites (“Websites”). This Privacy Policy is designed to tell you about our practices regarding collection, use, and disclosure of information that you may provide via this Website and certain related services. Please be sure to read this Privacy Policy and the Website’s Terms of Use before using, or submitting information, to this Website.
This Website is not intended for anyone under the age of eighteen (18) or persons residing outside of the United States. By accessing the Website on any computer, mobile phone, tablet, or other device (collectively, “Device”), you agree to the terms of this Privacy Policy. If you do not agree to the Policy, please do not use the Website.
We may modify this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on our Website. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.
Collection of Information
The main purpose of our Website is helping you to find a loan from prospective lenders participating in our direct network of loan lenders (“participating lenders”).
Personal Information
We collect personal information from you when you provide it to us, including by providing information to us to find you a loan, or when you contact us. This information may include, for example, name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account information, financial information, employment information, username, password, account number, and driver’s license number and state of issuance.
Non-Personal Information
When you visit the Website, we may collect certain non-personal information from you, including your Internet Protocol (IP) address, the date and time of your visit, browser type, operating system, the specific web pages visited during your connection, the geographic area from which you visit, and the domain name from which you accessed the Website. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Website, the areas or pages of the Website that you visit, the amount of time you spend viewing the Website, the number of times you return to the Website and other clickstream data. We may also use non-personal information for statistical analysis, research, and other purposes.
Like many commercial websites, we analyze how visitors use our Site through what is known as “cookie” technology. A cookie is a small text file that is placed on your computer when you access the Site and allows us to recognize you each time you visit the Site. We may use cookies to: (1) enhance or personalize your Website usage; (2) monitor Website usage; (3) manage the Website; and (4) improve the Website and our services. If you choose, you can set your browser to reject cookies or you can manually delete individual or all of the cookies on your computer by following your browser’s help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have difficulty accessing and using some of the pages and features that are currently on our Website, or that we may put on our Website in the future.
We may also use web beacons on the Website, in our emails and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect information about your Site visit, such as the pages you view and the features you use, as well as information about whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you visited immediately before coming to the Website. Web beacons help us analyze our Website visitors’ behavior and measure the effectiveness of the Website and our advertising. We may work with service providers that help us track, collect and analyze this information.
We may combine the non-personal information we collect, such as through cookies and web beacons, with other information we have collected from you.
GRAMM-LEACH-BLILEY ACT NOTICE
By submitting your nonpublic personal information on the Website and acknowledging that you have read this Privacy Policy, you expressly grant BusinessLoanGate permission to disclose your information, including all information described in the “Personal Information” section above, to certain third-party service providers for the sole purpose of verifying and authentication such information. Such service providers are contractually prohibited from further disclosing your information, and such activity will not impact your credit score.
OPT-OUT
You have the right to opt-out of the verification and authentication process described in this section.
Use of Information
We may use the information we collect from and about you for any of the following purposes: (1) to fulfill your request for solicitation purposes and match you with a participating lender; (2) to respond to your inquiries; (3) to review Website usage and operations; (4) to address problems with the Website, our business or our services; (5) to protect the security or integrity of the Site and our business; (6) to monitor the Site for compliance with our Terms of Use and the law; (7) to enforce our contracts with you; and (8) to contact you with Website updates, newsletters and other informational and promotional materials from us and offers from participating lenders, as well as from other companies.
If you do not wish to receive communications from us about offers and promotions, you can opt-out of receiving these communications by emailing us at [email protected] or by following the instructions in the messages you receive.
If you do not wish to receive telephone calls or text messages from us, you may opt-out of receiving these communications by emailing us at [email protected]. We fully comply with the requirements of the CAN-SPAM Act of 2003.
Please be aware that third parties to whom we direct your information, including lenders, have their own Privacy Policies, whose terms differ from ours. Please contact those third parties for information concerning their collection and use of your information.
Disclosure of Information
We may disclose information collected from and about you as follows: (1) to facilitate your request by sharing your personal information to participating lenders so that they may contact you regarding a loan; (2) to our related companies and service providers, to perform a business, professional or technical support function for us; (3) with consumer reporting and related agencies; (4) as necessary if we believe that there has been a violation of the Website Terms of Use or of our rights or the rights of any third party; (5) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (6) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personal information about Website users with third parties.
By disclosing your information to us through the Website and by agreeing to the Terms and Conditions, you expressly consent to any transfer of information to the parties described in this section.
Profile Management
You may stop using the services provided by the Website by deactivating or deleting your account.
If you deactivate your account, BusinessLoanGate will cease the disclosure of your information to third-parties. However,BusinessLoanGate will retain any of your profile or account information it has stored. You may restore your account status at any time by adjusting your profile preferences.
If you delete your account, it will be permanently deleted. BusinessLoanGate will retain the information of deleted accounts in a commercially reasonable manner and for a commercially reasonable amount of time, as determined by BusinessLoanGate, or in accordance with any applicable federal or state requirements. No third party will have access to your information, and the information will be used only for internal purposes.
Credit Implications of Providing Your Personal Information
Our participating third party lenders may verify, without limitation, your social security number and driver’s license number, or any other qualifying identification and review your information against national databases to determine credit worthiness, standing and/or capacity. Please note that multiple inquiries on the three national databases (Equifax, Transunion and Experian) may result in a lowered credit score. By submitting your information you agree to allow third party providers to verify your information and check your credit as described in their policies and terms. BusinessLoanGate does not make any credit decisions, and does not pull a credit report without your permission.
Security
We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information, including the use of Secure Socket Layer (SSL) technology. While no transmission of data over the Internet is guaranteed to be completely secure, BusinessLoanGate will exercise reasonable care in providing the secure transmission of personal and non-personal information. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us.
In the event that a security breach occurs, BusinessLoanGate will notify you of such breach within thirty (30) days and describe the nature of the information believed to have been compromised, the date and time of the suspected breach, the further steps you may follow to protect your information, and the steps BusinessLoanGate is taking to prevent future breaches.
Interest Based Advertising
We may partner with ad networks and other ad serving providers (“Advertising Providers”) who serve ads on behalf of us and others on non-affiliated sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your visits to this site and elsewhere over time. Our Advertising Providers use cookies to personalize advertisements that you may see on other websites.
Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not Track” signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.
Information Obtained from Third Parties
BusinessLoanGate may incorporate data it obtains from third parties in order to provide our services or products. Any information obtained from third-parties will be used for the sole purpose of matching you with various lenders.
If you provide information about third parties in order to complete any form, application, or profile, we will use that information solely for the purpose for which it was provided to us.
Children
We do not direct the Website to, nor do we knowingly collect any personal information from, children under the age of thirteen. For more information about California’s Online Privacy Protection Act (COPPA), please visit www.ftc.gov.
Third Party Websites
The Website may contain links to third-party websites, including those for participating lenders, which may have privacy policies that differ from our own. We are not responsible for, nor do we endorse, any of the activities and practices that take place on these sites. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.
Your California Privacy Rights
Under California’s “Shine the Light” law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes.
We will not share any information you provide with third parties to the extent prohibited under applicable California law or to the extent that your prior consent is required.
Your Vermont Privacy Rights
The Vermont Consumer Protection Act places additional limits on the dissemination of the consumer information of Vermont residents. We will collect and share information you provide only to the extent permitted under Vermont law, or with your consent. We will not share non-transactional information received from any Vermont resident without the authorization or consent of the Vermont resident.
Contact Us
If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail.