Privacy Policy

Privacy Policy (Last updated: October 18, 2017)

Thanks for visiting Loan Factory! This Privacy Policy describes what information we collect and how it's used and shared. Note that any capitalized terms not defined in this Privacy Policy have the meanings set forth in our Terms & Conditions. If you don't agree with the terms of this Privacy Policy, you may not access or use the Services. If you have any comments or questions about this Privacy Policy, feel free to contact us.

1. Core Principles

When it comes to your personal information we believe in transparency, not surprises. So before we get into the details, we want to share with you a few of our core privacy principles. First, we don't sell your personal information to anyone. It's just not the type of business we're in. Second, we don't ask for your personal information unless we need it to provide or improve the Services for you. Third, we don't share your personal information unless you've specifically allowed it, or for the very limited purposes described below. Finally, we appreciate that when you use our Services, you trust us with your information, and we take that responsibility very seriously. This Privacy Policy holds us accountable for protecting your rights and your privacy.

2. Collection

When you use the Services, we collect the following information, and use it only as described below:

• 2.1. Account Information. This may include your name, address, email address and phone number. We use this information in the ways you would expect, such as to set up your Account or contact you.
• 2.2. Third Party Account Information. If you use Third Party Services, such as social media or photo-sharing services, you may provide us with your Third Party Services account information, such as your username (note that we don't store any passwords you use to access Third Party Services). We transmit, and may store, such account information, only as needed to provide the Services, and only in accordance with the terms and policies of the Third Party Services.
• 2.3. Communications With Us. When you send us emails or other communications, such as customer support inquiries, we maintain those communications and their contents so that we can resolve your inquiries or otherwise assist you.
• 2.4. Public Comments On The Services. We maintain any comments, contributions to discussions or messages submitted to users of the Services, in order to provide the Services.
• 2.5. Files You Provide Us. When you use the Services, we store, process and transmit your User Content (such as your photos) and information related to your User Content. We process and store such files and information in order to provide the Services, as described in our Terms & Conditions.
• 2.6. Usage Information. This includes information about your activity on and interaction with the Services, such as your IP address, your device or browser type, the webpage you visited before coming to our sites and identifiers associated with your devices. This information enables us to analyze how the Services are being accessed and used, and to track performance of the Services.
• 2.7. Location Information. Your devices (depending on your settings) may transmit location information to the Services. We use this information to customize, improve and protect the Services. For example, we may use your location information to determine local language preferences, or to geotag a post.
• 2.8. Cookies And Other Technologies. We use these technologies to do things such as remember your preferences, keep you safe and improve and promote the Services. You can read more about how we use these technologies in our Cookie Policy, which is incorporated by reference into this Privacy Policy.

3. Sharing

When you use the Services, we may share your information only as described below:

• 3.1. Third Parties You Authorize. You can give third parties access to your and your End Users' information on the Services. For example, you may wish to integrate Your Sites with a third party newsletter service that requires access to the email addresses you collect from your End Users, in order for that newsletter service to send emails on your behalf and at your direction. Just remember that such third party's use of this information will be governed by the terms and privacy policies of the third party.
• 3.2. Following The Law. We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to comply with the law, protect our rights or prevent fraud or abuse of Loan Factory or our users. When we receive law enforcement or national security requests for information, we strongly believe in privacy and transparency. We scrutinize such requests carefully and challenge vague, overbroad or otherwise unlawful requests. And when legally permitted, we provide our users with notice that their information is being requested. This notice is provided so that you have the opportunity to challenge such requests.
• 3.3. Others Working For Loan Factory. Loan Factory uses certain trusted third parties to help us provide, improve, promote and protect the Services. For example, we may use third parties to help us provide customer support, manage our ads on other sites or assist with data storage. These third parties may access, process or store your information to perform tasks only for the purposes we've authorized, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy. We also may share with third parties aggregated or anonymized information that does not directly identify you.
• 3.4. Business Transfers. If we're involved in a reorganization, merger, acquisition or sale of our assets, your information may be transferred as part of that deal.

We do not share data with third parties for marketing/promotional purposes.

4. Protection

While no service is completely secure, we have a security team dedicated to keeping your information safe. We employ security measures such as using firewalls to protect against intruders, building redundancies throughout our network (so that if one server goes down, another can cover for it) and testing for and protecting against network vulnerabilities. Payment information is transmitted using HTTPS encryption, and we maintain a PCI DSS certification.

5. Retention

We'll retain your personal information for as long as we need it to provide you with the Services. You can ask for your personal information to be deleted at any time by deleting your Account or contacting us. Please note that there may be latency in deleting your personal information from our servers and backup storage, and we may retain your personal information in order to comply with the law, protect our rights, resolve disputes or enforce our agreements.

6. Location

Information that you submit through the Services may be transferred to countries other than where you live (for example, to our servers in the US). We also may store information locally on the devices you use to access the Services. We also may transfer information to third parties outside the US for processing or to support the Services, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy.

7. Access

To modify or delete the personal information you have provided to us, simply log into the Services and update your profile. We may retain certain information as required by law or for necessary business purposes. On request, we'll provide you with a copy of your personal information that we maintain. This request may be subject to a fee not exceeding the prescribed fee permitted by law.

8. Communications

We may periodically email you service-related announcements. We'll also send you emails related to your transactions. We may also send you marketing or promotional communications, but you can opt out of receiving subsequent marketing or promotional communications by clicking the link marked unsubscribe (or a similar phrasing) that's included in those communications.

9. End User Information

• 9.1. Collection And Use Of End User Information. You may use the Services to create or publish Your Sites, and Your Sites may have End Users. We may collect, use or delete the same types of information described in Section 2, above, from your End Users, on your behalf and at your direction, and we treat such information in accordance with this Privacy Policy. We do this in order to enable you to use the Services, and to provide, improve and protect the Services. For example, during checkout you may ask your End Users to provide name, address, email address and payment information so that you can complete their orders.
• 9.2. Your Relationship With End Users. You can collect, use or delete your End Users' information at any time. However, you're solely responsible for complying with any laws and regulations that apply to your End Users' information, including without limitation the posting of your own privacy policy. We're not liable for your relationship with your End Users, and we won't provide you with any legal advice regarding such matters.
• 9.3. End User Payment Information. Your End Users' payment information may be processed via third party eCommerce Payment Processors with which you integrate your Account, in accordance with such eCommerce Payment Processors' terms and policies. We transmit your End Users' complete payment information when they initially provide or update it, only so that we can pass it along to the eCommerce Payment Processors you agree to use. We don't collect or store your End Users' payment information.

10. Modifications

We may modify this Privacy Policy from time to time, and will post the most current version on our site. If a modification meaningfully reduces your rights, we'll notify you in accordance with the procedures set forth in our Terms & Conditions.

11. Our Text Message disclosure

I consent to receive SMS text messages from Loan Factory (our message frequency may vary). Message & data rates apply. Reply STOP to unsubscribe from further messaging. Reply HELP for more information. See our Email/Text Policy & Privacy Policy.

Customers with websites should have a link to a privacy policy that unambiguously states they do not share SMS opt-in or phone numbers for the purpose of SMS with third parties.