This policy outlines how Self Lender handles personal information that Self Lender collects and receives.
Please note that this policy does not encompass how Self Lender handles credit information on you that Self Lender obtains when you register to utilize our services. How Self Lender treats your credit information is outlined in our Terms of Service. This policy covers all other information about you that we collect and receive.
Data We Gather
Information You Furnish to Us
In addition to other Personal Information, we collect when you register, we may collect your driver's license number and social security number as a requirement of the credit bureau to verify your identity. We use this information in order to fulfill your request to create an interest free debt obligation. We may collect Personal Information through various other forms and in various places through the Services, including contact us forms, or when you otherwise communicate with us.
Information We Collect
In addition to any Personal Information or other information that you choose to submit to us, we and our third-party service providers may use a variety of technologies that automatically (or passively) collect certain information whenever you visit or interact with the Services ("Usage Information"). For example, Self Lender automatically receives and records information that your browser sends whenever you visit the Self Lender website. These server logs may include information such as your IP address or other unique identifier ("Device Identifier"), browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your browser from your computer or other device used to access the Services (any, a "Device"). A Device Identifier is a number that is automatically assigned to your Device used to access the Services, and our computers identify your Device by its Device Identifier.
Self Lender uses aggregate data collected in log files and cookies for normal purposes: to improve the Services, to personalize the advertising, launch new services, conduct research, and furnish anonymous reporting for internal and external clients. These cookies and log files do not hold your Personal Information, but they are associated to your Personal Information in our system.
Below are a few ways that we may use to gather Usage Information. In the future, other new technology and methods for collecting Usage Information may be utilized.
SMS/Text Communication. We may send communications to you on your mobile telephone by SMS or text message. Message and data rates from your mobile telephone service provider may apply and are subject to the terms and conditions imposed by your provider.
Some of our business partners utilize cookies on our site. We do not have access or authority over these cookies.
Embedded Scripts. An embedded script is programming code that is built to gather information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Services, and is deactivated or deleted thereafter.
Information Third Parties Provide About You
Self Lender uses Plaid Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Self Lender and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the .
Information You Provide About A Third Party
If you choose to use our referral service to tell a friend about our Services, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. Self Lender stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. The information you provide (names, e-mail addresses, etc.) is used for communication and is not used for any other marketing purpose unless we obtain consent from that person or we explicitly say otherwise. Please be aware that when you use any send-to-a-friend functionality through our Services, your e-mail address may be included in the communication sent to your friend.
Your friend may contact us at firstname.lastname@example.org to request that we remove this information from our servers.
Furnishing Additional Information to Third Parties
Self Lender does not sell or rent your Personal Information to third parties for any use. Self Lender only shares Personal Information with companies or individuals who are not our agents or services providers when we have your consent, or as otherwise permitted by this policy.
Self Lender can share with third parties certain pieces of aggregated, non-Personal Information, such as the number of users who clicked on a particular advertisement. Such information does not identify you individually.
When You Agree To Receive Information From Third Parties
On our Services, Self Lender may serve you targeted advertisements based on your Personal Information. Advertisers on our Services may include financial service providers (such as banks, credit card providers, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as cable providers, airlines, wireless carriers and software companies). Advertisers may assume that people who interact with, view, or click targeted ads meet certain targeting criteria - for example, women ages 18-24 with a certain minimum credit score. However, Self Lender does not provide advertisers any of your Personal Information when you view or interact with a targeted offer.
Third Parties Providing Services on Our Behalf. We may utilize third party vendors to perform certain aspects of the Services on our or your behalf, such as hosting the Services, designing and/or operating the Services’ features, tracking the Services analytics, and enabling Self Lender to send you special offers or performing other administrative services. We may provide these vendors with access to user information, including Personal Information, to carry out the services they are performing for you or for us. While we may use third party analytics service providers to evaluate and provide us with information about the use of the Services and viewing of our content, we do not share Personal Information with these analytics service providers, but they may set and access their own cookies, web beacons and embedded scripts on your Device and they may otherwise collect or have access to information about you, including non-personal information.
Co-Branded Services. Certain aspects of the Services may be provided to you in association with third parties such as our advertisers, business partners, or sponsors, and may ask you to disclose Personal Information to them. Such Co-Branded Services will identify the third party. If you chose to sign up for products and/or services through the Co-Branded Services, you may be furnishing your information to both us and the third party. Any such information provided to the third party is governed by that third party’s privacy policies. Additionally, if you sign-in to a Co-Branded Service with a username and password obtained through the Services, your Personal Information may be disclosed to the identified third parties for that Co-Branded Service and will be subject to their posted privacy policies.
Sweepstakes, Contests and Promotions. We may offer sweepstakes, contests, and other promotions through the Services that may require registration. By participating in a Promotion, you are agreeing to official rules that govern that Promotion, which may contain specific requirements of you, including, allowing the sponsor of the Promotion to use your name, voice and/or likeness in advertising or marketing associated with the Promotion. If you choose to enter a Promotion, Personal Information may be disclosed to third parties or the public in connection with the administration of such Promotion, including, in connection with winner selection, prize fulfillment, and as required by law or permitted by the Promotion’s official rules, such as on a winners list.
Business Transfer. We may share your information, including your Personal Information, and Usage Information with our parent, subsidiaries and affiliates for internal reasons. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our membership interests and/or assets or other corporate change, including, during the course of any due diligence process.
Use of Collected Information
Special Offers and Updates:
From time to time we will send you information on products, services, special deals, or promotions. Out of respect for your privacy, we present the option not to receive these types of communications by logging into your Self Lender account and by following the unsubscribe instructions included in each promotional email.
We will send you only service-related announcements when it is necessary to do so. For instance, if our service is temporarily suspended for technical improvements, we could send you an email.
Generally, you may not opt-out of these communications, which are not promotional in intent. If you do not wish to receive them, you have the option to deactivate your account once you have completed your current debt obligation.
Based upon the personal information you furnish us, we will send you a confirmation email to verify your username and password. We will also communicate with you via email in response to your inquiries, to provide the services you request, and to manage your account.
Please note that information submitted through the Services via a "contact us" or other similar function may not receive a response.
Online Behavioral Advertising and Opt-Out
We work with third-party advertising networks, publishers and other entities to advertise our products and services on websites not affiliated with us. Some of these ads are online behavioral advertising – which are advertisements that are more likely to be of interest to you using non-personal behavioral information. Such ads may contain cookies that allow monitoring of websites (including our own websites that part of our own Services) and your engagement with our advertisements. Cookies placed by these companies do not collect Personal Information. We prohibit companies that place our ads from using information for any purpose other than to assist us in our advertising. If you would like to not receive targeted advertising, you can opt-out of network advertising programs. To do so, visit: the Network Advertising Initiative industry’s opt-out page.
In order for behavioral advertising opt-outs to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new Device, access our Services from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser's security settings to validate whether scripting is active or disabled.
Even if you choose to remove your information (opt-out), you will still see advertisements while you're browsing online. However, the advertisements you see may be less relevant to you and your interests. Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive. The NAI Opt-Out Page provides a tool that identifies its member companies that have cookies on your browser and provides links to those companies.
Consent To Transfer Information To The United States
The Services are operated in the United States and intended for users located in the United States. If you are located outside of the United States, please note that information we gather, including, Personal Information, will be transferred to and stored in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using the Services or providing us with any information, you consent to this transfer, processing and storage of your information in the United States.
Change or Inquire About Information And Communications Preference
New categories of marketing communications might be added to the Marketing Preferences page from time to time, but we will require your consent and notice before marketing to you in this new way. We give you the opportunity to "opt-out" of having Personal Information used. For example, you can elect not to receive newsletters or alert emails. You can do this by logging into your account and visiting the "My Profile" page and you may also follow the unsubscribe instructions included in each email.
Third Party Content And Links To Third Party Services
Publicly Disclosed Information
The Services may permit you to submit ideas, questions, comments, suggestions or other content, including Personal Information (collectively,"User Content"), that is publicly viewable (such as on public portions of your user profile). We or others may reproduce, publish, distribute or otherwise use User Content online or offline in any media or format (currently existing or hereafter developed). Others may have access to this User Content and may have the ability to share it with third parties across the Internet. Please think carefully before deciding what information you share, including Personal Information, in connection with your User Content.
Because Self Lender is a financial services company, there are certain legal reporting and information retention requirements with which we must comply, particularly if you are still in the midst of a debt obligation that you created. Therefore, we cannot delete your account information outright. However, we will encrypt your information and disable your account, which will be inactive and not available to anyone other than Self Lender authorized personnel.
We enable our servers with Secure Socket Layer (SSL) technology to create a secure connection between your computer and our servers, creating a private session.
We utilize firewalls and other security solutions to protect our servers from outside attack and safely store your Personal Information. We control access to this information via secure web pages, and limit access to only those employees or third parties on a need to know basis.
We utilize commercially reasonable safeguards to help protect and secure your Personal Information. However, no data transmission over the Internet, wireless transmission or electronic storage of information can be guaranteed to be 100% secure. We cannot ensure the security of any information you furnish to us, and you use our Services and provide us with your information at your own risk.
If you have any questions about security on our Web site, you can send an email to us at email@example.com.
What information do we collect?
We collect information from you when you register on our site or fill out a form. When registering on our site, as appropriate, you may be asked to enter your: name or e-mail address. You may, however, visit our site anonymously.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
To personalize your experience - your information helps us to better respond to your individual needs. To improve our website - we continually strive to improve our website offerings based on the information and feedback we receive from you. To administer a contest, promotion, survey or other site feature. To send periodic emails - the email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information.
Third party links( Credit Card Applications )
We do offer third party products or services on our website. These third party sites have separate and independent security and privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
Childrens Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone we believe is under 18 years of age. Our website, products and services are all directed to people who are at least 18 years old or older.
This policy was last modified on May 25th, 2016
If there are any material changes in the way we treat Personal Information and/or Credit Information, Self Lender will notify you by sending a notice to the primary email address specified in your marketing preferences or by placing a prominent notice on our site prior to the change becoming effective..
Find Out More
For additional information, or if you have questions regarding this policy or privacy practices at Self Lender, please submit your questions or comments directly to firstname.lastname@example.org via email or write to us at: Self Lender, Inc. Attention: Privacy Department, 515 Congress Avenue, Suite 2000, Austin, TX 78701.