Privacy Policy
Effective: September 21, 2021
FINANCE CLUB LIMITED
The provisions of this privacy policy apply to the "Small Loan App for Bad Credit" app by FINANCE CLUB LIMITED, hereinafter referred to as the "App." The provisions clarify the services provided by the App, reports on the data collected by the App.
Disclosure
The operator of this App doesn't constitute a broker or a lender. The App doesn't render any decision associated with loans and finances; the App only causes service in loan-connecting. The App passes the data obtained from the users along to the independent lenders. These third-party lenders set up terms and conditions of the loan, required fees, and the annualized percentage rate.
The Information the App Collects
The App obtains two types of data. The first type is personally identifiable information that allows identifying a specific person. The second type is non-personally identifiable information, defining data that cannot identify a certain person.
The data giving an opportunity of identifying a certain person includes a person's name, phone number, residential address, email, SSN, birth date, information about employment and property ownership, number of driver's license or ID, citizenship status, bank account, and paychecks amount and frequency. This type of data is given directly by the user in the form of filling the application form online in the process of the loan request. The data can also be submitted by the user by sending questions in the App.
The data that doesn't give an opportunity of identifying a certain person consists of the type of browser, user's language and IP address, time of access to the App, parts of the App visited by the user, and data about links followed by the user. This type of information is gathered with independent tracking services or with the help of the 'cookies' files.
Using cookies allows collecting the information in order to remember the user without resorting to the identification process. These small files are sent to the user's device by the site during the user's visits to the site.
The App has a right to share information that doesn't give an opportunity of identifying a particular person with third-party organizations in order to provide data for trend and statistical analysis.
The App has a right to allow third parties to display advertisements. In the process of interaction with such advertisements, the third-party organizations may or may not use different means of collecting user's information. The App doesn't transfer the information that gives an opportunity of identifying a certain individual to any third party.
The ways Personally Identifiable Information Is Used By the App
The personal information that can identify the particular person is collected by the App in order to ensure the provision of services requested by the user. All the information provided by the user in the manner of filling the application form is passed to the lenders operating as partners of the App. The gathered information can be used in the case of uprising disputes, for technical problems elimination, and for ensuring execution of an agreement. The limits of personal information use are defined by the circumstances needed for services accomplishment.
In accordance with the applicable law, by submitting the personal information in the loan application form, the user confirms that it can be transferred to third-party organizations, including the direct partners providing the financial services. The received information may be used to determine the interest in the user advertisements and marketing services. The App has a right to share the submitted information with third parties in any possible way.
The information submitted by the user in the form of the application is secured, and the App operator doesn't have access to it. The data is transferred via secured channels to the partner lenders, being the members of the network.
By submitting the personal information, the user gives permission for the partner lenders to contact them in regard to loan applications and processing. Therefore, all these contacts can't be a reason for any claims to any known agency.
Circumstances Stipulating for Sharing the Personal Information
The App doesn't provide any finance-related services; all the offers are provided by third-party partners. The App has a right to share the information received from the users with such partners in order to ensure the service rendering of better quality. The personal information provided by the user can also be shared with assignees, partner-lenders, and affiliates if it is considered necessary.
The third-party organization uses its own privacy policies defining the particular aspects of using the personal data and the matter of its disclosure.
he App is obliged to disclose the personal information submitted by the user in the case of a court order, subpoena, or in other cases determined by current law. The information can be disclosed upon receiving a cooperation request from any government or law enforcement agency. Other circumstance in which the personal information can be disclosed includes: exercising or establishing the legal right; defending against claims; investigation of illegal activity, prevention measures or taking actions against crimes in the field of property; protection of rights and property of partner company or its staff or users; enforcing policies, agreements or Terms and Conditions.
Right to Opt-Out of Services
By providing personal information, the user automatically agrees to the terms of service. With further contact with representatives of a third party, the user has the right to refuse all further interactions.
Privacy of Other Sources
As part of the services, applications can automatically redirect the user to sources owned by a third party. These sources are not covered by this Privacy Policy. We recommend that you carefully read the privacy policy and data terms of use, as the application does not control or manage these sources.
Changes and Revisions
The App has a right to revise, change, modify, supplement or update any terms of policies, any information, features, content, disclaimers, promotions, or disclosures at any moment without any additional notification and at its sole and absolute discretion.
Children's Privacy Policy
The application is designed for use by adult users and is not supposed to be used by persons under the age of 18. The application does not knowingly collect data about persons under the age of 18.
Security Measures
The App provides users' personal data safely by using security technologies preventing unauthorized access and use. The information transfer to the partners is secured by using the Secure Socket Layer (SSL) protocol encryption.
Privacy Rights of California Residents
According to the current law, companies collecting personal information from the residents of California and transfers this information to third-party organizations have two options. Upon the request of the user, they must (1) provide the detailed list of the companies, receive access to the information, and complete details of the categories of the disclosed information; or (2) provide a possibility for users to opt-out of sharing their personal data with third-party organizations.
Keeping in with the law, the App practices the second variant. It means that any user can at any time opt-out by filling in one or more forms under the following link http://www.optout-cpwh.net/o-cpwh-j53-9ff02092a7251ecbb8962c68939174ea.
The residents of California also have a right to file complaints to the California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].