Privacy Policy

Last updated on 20th Dec. 2010

When you use our site, BadCreditHomeLoans.us, you agree with the terms of our privacy policy mentioned here. In case you do not agree with any of the clauses, we request you not to use this site. We reserve all right to make any amendments in this policy without issuing any prior notice. Any amendments in the policy will be effective as soon as the revised policy is posted on the site. Use of this site after the changes implies your acceptance of the changed policy, which is effective at that time. Hence, we request you to read our privacy policy every time, before you use this site. 

Types of Information we collect about you

Both non-personal and personal information is collected by us through our site, BadCreditHomeLoans.us. Personal information refers to the information that can help anyone identify you. Non-personal information is the IP addresses, demographic information, aggregate information and the likes that do not reveal your identity as a person.   

Personal Information – Given below are the kinds of personal information that we may collect: 

  • Information you provide while applying for any loans-related product on our site. For instance, you may be prompted to submit your personal information, like name, date of birth, postal address, e-mail address, social security number, telephone number, if you are a US citizen, your annual, pre-tax income, how frequently you are paid, personal references, and any other information required at the time of registration.
  •  Whenever you wish to purchase something from our site, we may ask for your credit card details or any other payment account details, billing address and other such important payment information from you.
  • Some other information we may collect from you can be mother’s maiden name and the city of your birth. This can at times be used for verification, in case you forget the login information required to access our online products.

Non-personal Information – When you visit this site, we may collect some of your non-personal information like, the record of the website pages visited by you, the OS version you were using while visiting our website, your geographical location. Non-personal information is usually collected from these sources such as, cookies, environmental variables, pixel tags, server log files and other such technologies. This is usually harmless information that helps us improvise the website.

How Do We Utilize the Collected Information?

Personal Information collected by us is used in the various ways given below:

  • Request fulfillment - Your personal information collected by us may be used in relation with services, information or products requested by you.

  • Administrative Communication - We may utilize your personal information to keep you updated about the changes in policies or terms and conditions of our site. As this information can be important to your use of our website, you may not be granted the discretion to opt out of receiving any such communications in future.

  • Any Other Communication in Future - Your personal information may be used by us to inform you about promotions, programs, services or products on our website that we believe may cater to your interest. In case, you do not wish to receive e-mail marketing messages, you can any time opt out of our list of senders.

  • Purchases - In order to complete the purchase transaction requested by you, we may use your personal as well as payment information.

  • Promotions - We often conduct contests, sweepstakes and similar promotions on our website. To participate or win such promotions, you are normally prompted to provide some personal information. So, it is advisable that you read through any applicable rules before you participate in any promotion on our website, as they may include any additional conditions about the personal information that we may be collecting or how we may be using that information, apart from what is mentioned in this privacy policy. In case of any contradiction between the treatment of the collected personal information in those promotions and the ones that are mentioned here, the terms and conditions of those rules would hold right.  

  • Internal Purposes of Our Business - Your personal information may also be used for some internal purposes of our business, like audits and data analysis. Additionally, we may also use it to improve the information we provide on our website and help us in making available targeted promotions to our customers.

Non-Personal Information - As non-personal information cannot be used for your personal identification, such information can be used by us for any purpose. Additionally, we also have the rights to disclose this information to third parties as well.
In a few instances, we may also combine the non-personal and personal information. In such a case, if the combined information can reveal your personal information, it will be treated as personal information.

We, along with our marketing and affiliate partners, may merge or enhance your personal information with data available from other sources and utilize it for online marketing/direct marketing purposes. All this is done only to the extent the law, look-up service programs and individual references permits us. In case we merge or enhance your personal information with data made available by other sources, reasonable steps would be taken to uphold the quality and integrity of such information.

Is This Information Disclosed by Us to Third Parties?

We may have to disclose your personal as well as non-personal information to the following third-parties:

  • Affiliates – We may share your information collected by us with our affiliated companies to make available the products requested by you, improve the products to better match your preferences, and for the marketing purposes in future. 
  • Business Partners – We may also partner with other firms to offer or provide you with services or products ordered by you and may have to share your personal and non-personal information with them. We may have to share your information with such third-parties because of the purposes mentioned in this policy. 
  • Service Providers – We collaborate with third parties that provide services that include but does not limit to list enhancement, data analysis, order fulfillment and other similar administrative services. We may share information with such third parties so as to allow them to provide their services to us. E-mail list management, advertising, marketing distribution, customer support, specific product functionalities, data analysis, surveys, research and fulfillment and enhancement services are some of the services that are offered by such third parties.
  • Assignment – We have the right to share any or all the information that we collect from the users of our site with third parties or affiliates in case of any sale, reorganization, transfer, sale, transfer, joint venture or disposition of the entire or a part your stock, asset or business. (This also does not include any limit on bankruptcy or any other such proceedings).
  • Emergencies, compliance, law enforcement and other purposes that are permitted by law – Despite of being contrary to any other provision of this privacy policy, we have the right to share personal information with others if we believe it to be appropriate (a) to conform to the legal process; (b) to reply to the requests from the government; (c) to implement our terms and conditions; (d) to protect the safety, rights, property or privacy of BadCreditHomeLoans.us, you, our affiliate partners or others; (e) to allow us to go for available solutions or restrict the damages that we may need to sustain; and (f) for any other cause that is permitted by the applicable law.
  • Non-personal, aggregate information – We have right to share the aggregated information (collective information about our site visitors and not specifically about you) and other anonymous and non-personal information with third parties, including our affiliates to make and deliver targeted advertising on our websites and those of the third party websites. If you prefer to restrict our use of your cookies in relation to your web experience or our network advertising partners, please disable your cookies settings before you use our website.  

How is Your Information Protected by Us?

We utilize various security tools and measures, like firewalls, to avoid any misuse or alteration of information on the website and protect against any loss. Unfortunately, security of no storage or transmission of data can be 100% guaranteed on the Internet. In case, you have reasons to believe that the privacy of your interaction with us has been tampered with in any way, please inform us as soon as possible.

Links

BadCreditHomeLoans.us may have links to third party websites but the privacy policy and content on those websites are in no way our responsibility. These links are included only for the convenience of our site visitors and are not endorsements by us. In case, you provide any personal information through the third-party website, the information will be handled according to the privacy policy of the third-party and not our website. PLEASE NOTE THAT OUR PRIVACY POLICY DOESN’T ADDRESS THE INFORMATION OR PRIVACY OF ANY THIRD PARTY WEBSITES.

Location

We do not suggest or represent that our website, or any of its part, is available or is appropriate for use in any specific jurisdiction. Visitors, who choose to access or use this site, do it at their risk and would be responsible for abiding to their local laws and rules. We reserve the rights to limit the availability of this site, in part or as a whole, to any geographic area, person or jurisdiction that we choose, whenever we choose and at our sole discretion.

A SPECIAL NOTE TO OUR VISITORS WHO ARE BELOW 18 YEARS

Our site, BadCreditHomeLoans.us is not meant for individuals who are below 18 years of age. However, we do not object to anyone below this age to be browsing our site. But we request anyone below 18 years to not submit their personal information, like name, email address and postal address. You may also not register, enroll or buy products from our website. 

 


Name :
Email :
Comment

Email