Privacy Policy

This privacy statement covers the site EveryLoan.com. Because this Web site wants to demonstrate its commitment to our users’ privacy, it has agreed to disclose its information practices. This privacy policy covers the following:

1.     What personally identifiable information EveryLoan.com collects.

2.     What personally identifiable information third parties collect through the Web site.

3.     What organization collects the information.

4.     How EveryLoan.com uses the information.

5.     With whom EveryLoan.com may share user information.

6.     What choices are available to users regarding collection, use and distribution of the information.

7.     What types of security procedures are in place to protect the loss, misuse or alteration of information under EveryLoan.com’s control.

8.     How users can correct any inaccuracies in the information.

If users have questions or concerns regarding this statement, they should first contact [email protected]veryloan.com.

Information Collection and Use
This document discloses EveryLoan.com’s information gathering and dissemination practices as they apply to individual site users. EveryLoan.com collects information from its users at several different points on its Web site.

Registration
In order to request information from our partners, a user must first complete a form with contact information. These forms vary across partners but can include name, email address, mailing address, day and night phone number. EveryLoan.com and our partners use this information to contact users about services for which they have requested information or expressed interest. We do not sell or make available this information for any other reason. In rare cases, the receiving partner may already have the user’s information on file. When this occurs, the user’s information may be sent to a similar provider that has a EveryLoan program. Users may also choose to make the information provided to our EveryLoan partners available to other third parties. Please refer to the partner’s privacy statement in these instances.

Cookies
A cookie is a piece of data stored on the user’s computer tied to information about the user. Cookie data may be linked to personally identifiable information for data analysis and quality assurance purposes, but individual cookie data is never shared with or sold to any third parties. We use session ID cookies and persistent cookies with a life up to 60 days. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user’s hard drive for an extended period of time.

EveryLoan.com uses cookies to track which areas of our site are most visited for the purpose of better optimization and user experience. If users reject the cookie, they may still use our site. Persistent cookies enable us to track and target the interests of our users to enhance the experience on our site. See the “Profile” section.

Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies, once we have given permission for them to set cookies for advertising. This privacy statement covers the use of cookies by EveryLoan.com only and does not cover the use of cookies by any advertisers.

Profile
We store information that we collect through cookies, log files, clear gifs, and/or third parties to create a profile of our users. A profile is stored information that we keep on individual users that details their viewing preferences. This information is not tied to the users personally identifiable information. We do not share your profile with other third parties.

Log Files
Like most standard Web site servers we use log files. This includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Clear Gifs (Web Beacons/Web Bugs)
We and our third party advertising companies from time to time employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. The main difference between the two is that clear gifs are invisible on the page and are much smaller, about the size of the period at the end of this sentence. Clear gifs are not tied to users’ personally identifiable information.

Clear Gifs can “work with” existing cookies on a computer if they are both from the same Web site or advertising company. That means, for example, that if a person visited “www.companyX.com“, which uses an advertising company’s clear gif, the Web site or advertising company would match the clear gif’s identifier and the advertising company’s cookie ID number, to show the past online behavior for that computer. This collected information would then be given to the advertising company or Web site.

Special Offers and Updates
From time to time, members who have requested information from our partners will receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see the Choice and Opt-out sections.

Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an email. Generally, users may not opt-out of these communications, though they can deactivate their account. However, these communications are not promotional in nature. Users may opt-out of these communications. Please see our Choice and Opt-out section.

Customer Service
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via email or phone, in accordance with the users wishes.

Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Aggregate Information (non-personally identifiable)
We share aggregated demographic information with our partners and advertisers. This is not linked to any personally identifiable information.

Business Transitions
In the event EveryLoan.com goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred. Users will be notified via email prior to a change of ownership or control of their personal information. If as a result of the business transition, the users’ personally identifiable information will be used in a manner different from that stated at the time of collection they will be given choice consistent with our notification of changes section.

Choice/Opt-out
Users who no longer wish to receive any communication from EveryLoan.com may unsubscribe and opt out at the following page: #######

Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.

Links
This Web site contains links to other sites. Please be aware that we, EveryLoan.com, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site. Certain links on EveryLoan.com may be i-framed, in an RSS feed or in a redirect form for tracking purposes only. If a URL appears to be masked, it is done to ensure our internal tracking systems log activity. EveryLoan.com does not condone nor tolerate deceptive link building.

Surveys & Contests
From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). Contact information will be used to notify the winners and award prizes. Anonymous Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site. Users’ personally identifiable information is not shared with third parties unless we give prior notice and choice. Though we may use an intermediary to conduct these surveys or contests, they may not use users’ personally identifiable information for any secondary purposes.

Security
EveryLoan.com takes every precaution to protect our users’ information. When users submit sensitive information via the Web site, their information is protected both online and offline.

All of our users’ information is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Employees must also use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to user information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every month, as well as any time policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our users’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment. If users have any questions about the security at our Web site, users can send an email to [email protected]

Modifications To Submitted Information 
Users that conduct the following actions:

  • Submit an information request about a EveryLoan.

Users can modify their information by emailing [email protected]veryloan.com to change or modify any PII.

EveryLoan may also append user data with data obtained from third parties for internal marketing and targeting purposes. The company shall refrain from sharing any appended data collected from third parties with subsequent third parties.

Notification of Changes
If we decide to change our privacy policy, we will post the changes to this privacy statement, the homepage, and other places we see appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.
If, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner.

Contact Information
If users have any questions or suggestions regarding our privacy policy, please contact us at:
Email: [email protected]veryloan.com

Postal Address:
65 Enterprise # 485 | Aliso Viejo, CA 92656 | T: 1-800-383-7956
Copyright © 2013 Everyloan Financial Services. All Rights Reserved.