This Privacy Policy covers federaldebtservice.com, its subsidiaries, and any of its websites (“Websites”). This Privacy Policy is designed to tell you about our practices regarding collection, use, and disclosure of information that you may provide via this Website and certain related services. Please be sure to read this entire Privacy Policy before using, or submitting information, to this Website.
This Website is not intended for anyone under the age of eighteen (18) or persons residing outside of the United States. By accessing the Website on any computer, mobile phone, tablet, or other device (collectively, “Device”), you agree to the terms of this Privacy Policy. If you do not agree to the Policy, please do not use the Website.
We may modify this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on our Website. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.
Collection of Information
The main purpose of our Website is helping you to find a loan from
prospective lenders participating in our direct network of loan lenders (“participating lenders”).
Personal Information
We collect personal information from you when you provide it to us,
including by providing information to us to find you a loan, or when you contact us. This information may include,
for example, name, date of birth, telephone number, mailing and home address, zip code, email address, social
security number, bank account information, financial information, employment information, and driver’s license
number and state of issuance.
Non-Personal Information
When you visit the Website, we may collect certain non-personal
information from you, including your Internet Protocol (IP) address, the date and time of your visit, browser type,
operating system, the specific web pages visited during your connection, and the domain name from which you accessed
the Website. In addition, we may collect information about your browsing behavior, such as the date and time you
visit the Website, the areas or pages of the Website that you visit, the amount of time you spend viewing the
Website, the number of times you return to the Website and other clickstream data. We may also use non-personal
information for statistical analysis, research, and other purposes.
Like many commercial websites, we analyze how visitors use our Site through what is known as “cookie” technology. A
cookie is a small text file that is placed on your computer when you access the Site and allows us to recognize you
each time you visit the Site. We may use cookies to: (1) enhance or personalize your Website usage; (2) monitor
Website usage; (3) manage the Website; and (4) improve the Website and our services. If you choose, you can set your
browser to reject cookies or you can manually delete individual or all of the cookies on your computer by following
your browser’s help file directions. However, if your browser is set to reject cookies or you manually delete
cookies, you may have some trouble accessing and using some of the pages and features that are currently on our
Website, or that we may put on our Website in the future.
We may also use web beacons on the Website, in our
emails and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect
information about your Site visit, such as the pages you view and the features you use, as well as information about
whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you
visited immediately before coming to the Website. Web beacons help us analyze our Website visitors’ behavior and
measure the effectiveness of the Website and our advertising. We may work with service providers that help us track,
collect and analyze this information.
We may combine the non-personal information we collect, such as through
cookies and web beacons, with other information we have collected from you.
Use of Information
We may use the information we collect from and about you for any of the
following purposes: (1) to fulfill your request for solicitation purposes and match you with a participating lender;
(2) to respond to your inquiries; (3) to review Website usage and operations; (4) to address problems with the
Website, our business or our services; (5) to protect the security or integrity of the Site and our business; (6) to
monitor the Site for compliance with our Terms of Use and the law; (7) to enforce our contracts with you; (8) to
remarket your information to third parties, with your consent where legally required and in accordance with all
applicable laws and regulations; and (9) to contact you with Website updates, newsletters and other informational
and promotional materials from us and offers from participating lenders, as well as from other companies.
If you
do not wish to receive communications from us about offers and promotions, you can opt-out of receiving these
communications by emailing us at [email protected] or by following the
instructions in the messages you receive.
Disclosure of Information
We may disclose information collected from and about you as follows:
(1) to facilitate your request by sharing your personal information to participating lenders so that they may
contact you regarding a loan; (2) our related companies and service providers, to perform a business, professional
or technical support function for us; (3)with consumer reporting and related agencies; (4) as necessary if we
believe that there has been a violation of the Website Terms of Use or of our rights or the rights of any third
party; (5) to respond to legal process (such as a search warrant, subpoena or court order) and provide information
to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted
by law, or otherwise as required by law; and (6) in the event that our company or substantially all of its assets
are acquired, your personal information may be one of the transferred assets. We may also disclose your personal
information with your express consent. We may share aggregate, non-personal information about Website users with
third parties.
Additionally, we may share your personally identifiable information (excluding your social
security number, bank account information, or other financial information) with third party marketers and other
service providers (including advertisers) with whom we have an ongoing business relationship.
Credit Implications
of Providing Your Personal Information
Our participating third party lenders may verify, without limitation, your
social security number and driver’s license number, or any other qualifying identification and review your
information against national databases to determine credit worthiness, standing and/or capacity. Please note that
multiple inquiries on the three national databases (Equifax, Transunion and Experian) may result in a lowered credit
score. By submitting your information you agree to allow third party providers to verify your information and check
your credit as described in their policies and terms.
Security
We take reasonable and appropriate security precautions to secure the personal
information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such
information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While
we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any
personal information you transmit to us.
Interest Based Advertising
We may partner with ad networks and other
ad serving providers (“Advertising Providers”) who serve ads on behalf of us and others on non-affiliated sites.
Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information
Advertising Providers collect about your visits to this site and elsewhere over time. Our Advertising Providers use
cookies to personalize advertisements that you may see on other websites.
Because an industry-standard
Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not
Track” signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and www.aboutads.info to learn more about this type of advertising and
how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”)
self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or
applications. It may make the ads you see less relevant to your interests. In addition, note that if you use a
different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is
different, please check the help section of your browser for instructions on how to remove cookies and learn about
other privacy and security settings that may be available.
Children
We do not direct the Website to, nor do we knowingly collect any personal information
from, children under the age of thirteen.
Third Party Websites
The Website may contain links to third-party
websites, including those for participating lenders, which may have privacy policies that differ from our own.
Additionally, third party vendors (including Google) may display advertisements for this site and our services. We
are not responsible for, nor do we endorse, any of the activities and practices that take place on these sites.
Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any
personal information. Please contact those websites directly if you have any questions about their privacy policies.
Third Party Analytics
This site uses your information, including age, gender, and interests, to
better understand the behavior of our customers while on the Site and inform our marketing efforts. Third party
vendors (such as Google) may use cookies to serve advertisements to you based on your past visits to the site. You
may opt out of the automated collection of information by third-party advertisers by changing your Google ads
settings and preferences at http://www.google.com/ads/preferences.
You may also learn more about Google’s privacy practices by visiting http://www.google.com/privacypolicy.html.
Your
California Privacy Rights
Under California’s “Shine the Light” law, California residents who provide Personal
Information to the Website may request certain information regarding our disclosure of Personal Data to third
parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline at
(888) 775-0859 FREE, via e-mail at [email protected], or via regular mail at 1125 E. Broadway #545, Glendale,
California 91205.
Contact Us
If we need, or are required, to contact you concerning any event that involves
your information, we may do so by email, telephone, or mail. If you have questions or concerns about this Privacy
Policy, you can contact us by calling (888) 775-0859 FREE. If we need, or are required, to contact you concerning
any event that involves your information, we may do so by email, telephone, or mail.