Privacy Policy
Rev. 10/27/2017
WHAT DOES LIFE LOANS DO WITH YOUR PERSONAL INFORMATION?
Why?
Lenders choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires Lenders to tell you how they collect, share, and protect your personal information. We are not a Lender or agent. We provide marketing services but we do follow privacy practices generally required of Lenders. Please read this notice carefully to understand what we do.
What?
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. The other types of personal information we collect and share depend on the product or your loan request. This information can include:
- Social Security number and income, name, address, telephone number, email address, driver's license number, military status, information about your spouse or dependent, identification of individuals close to you such as your job supervisor.
- Banking account information, ABA/Routing numbers, and income information.
- Credit history and assets including whether you rent or own, income source, how you get paid, how often you get paid, length of time with employer and bank, and next two pay dates.
- IP address, browsing and log data, your desired loan amount and any other information that may be required in a loan request form.
We use cookies to allow faster and easier access to your account information, monitor traffic on the site and measure traffic patterns to improve the website. We may combine personal information we collect from you with other information about you that we receive from third party sources, to ensure our loan request form records are accurate. Lenders and aggregators that purchase your information may also supplement your personal information with other information about you that they obtained from other sources.
How?
All loan marketing companies need to share individuals' personal information to put you in contact with Lenders. In the section below, we list the reasons we can share their customers' personal information; the reasons we choose to share; and whether you can limit this sharing. In the event of a transaction involving the sale of some or all of our businesses, customer and site visitor information may be one of the transferred assets and may be disclosed in connection with negotiations relating to a proposed transaction. In such case, the transferred information may become subject to a different privacy policy.
| Reasons we can share your personal information | Does LIFE LOANS share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to forward your loan request information to Lenders in our network, respond to court orders and legal investigations | Yes | No |
| For our marketing purposes - to offer our loan marketing services to you | Yes | No |
| For joint marketing with Lenders and marketing affiliates | Yes | No |
| For our affiliates' everyday business purposes - information about your loan requests and inquiries | Yes | No |
| For our affiliates' everyday business purposes - information about your creditworthiness | Yes | Yes |
| For our affiliates to market to you | Yes | Yes |
| For nonaffiliates, to market to you - we send your information to third party marketers and list managers | Yes | Yes |
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To Opt-Out To opt-out of future email communications please unsubscribe here. |
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Questions? Any questions regarding this policy or to request a change in how we share your information, please let us know via the Contact Us Form. |
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| Who are we? | ||
|---|---|---|
| Who is providing this notice? | SearchROI, LLC. d/b/a Clare Kirkland. | |
| What do we do? | |
|---|---|
| How does Clare Kirkland protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Clare Kirkland collect my personal information? | We collect your personal information, for example, when you
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| Why can't I limit all sharing? | Federal law gives you the right to limit only
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| Definitions | ||
|---|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies. | |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. | |
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other Important Information | ||
Residents of Connecticut, New Hampshire, Washington, and Vermont are not eligible to use this website's personal loan and cash advance referral service. This website's personal loan and cash advance referral service is not available in all states, and the states serviced by this website may change from time to time and without notice. Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you review this page each time you interact with this website to ensure your continuing familiarity with our current privacy practices. All amended terms will be automatically effective after they are posted on the website. Your continued use of the website after such changes have been posted constitutes your agreement to the changes.
Access to Loan Information
We have access to your personal and financial information when you inquire about a loan. When providing your information to loan marketing affiliates and lenders, we may provide a substitute e-mail address to the lender as your e-mail address to reduce the potential for unwanted e-mails and spam. You understand that through this substitute e-mail address, we may have access to information regarding any loan made to you by a Lender or other correspondence sent to you by the Lender. We may also, at any time, provide Lenders with the actual e-mail address you provided on your loan request form. We do not use information in responses from the Lender except to route such information to you.
Third Party Advertisers
In order to provide services free of charge, we may display advertisements. By accessing or using this website, you expressly agree to receive these advertisements. The advertiser never has access to individual account information that you provide to us through the loan request process to connect you with a lender. However, these advertisers may use their own tracking technologies, including cookies, to collect information about you and other users of this website who view or interact with their advertisements. Please be advised that when you click on an advertiser's advertisement on our website, you may be redirected to a different website operated by that advertiser or that advertiser's marketing partner. The information practices of those third party websites are not covered by this policy. You should review the privacy statements and terms of use of all third party websites you access In addition, we may share some or all of your personally identifiable information with third party marketers and list managers with whom we have a business relationship, and these third party marketers and list managers may use your personally identifiable information to communicate with you about other marketing or business offers via telephone, email, direct mail, text message (std. text message rates may apply), or other channels.
California residents may request that your personally identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address, to: Clare Kirkland, 37 Wenban Road, Worthing, West Sussex, England, BN11 1HY. California residents are also entitled to know that they may file grievances and complaints with 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 dca@dca.ca.gov.
Children's Online Privacy Protection Act Compliance
This website is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, our website will take immediate remedial measures to remove that individual from our user database.
PUSH NOTIFICATIONS
With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.
