Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers’ need and desire to preserve their privacy and confidentiality. Safeguarding our customers’ privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers’ nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.
Information We Collect
We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
- Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
- Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
- From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.
Information We Disclose
Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.
By submitting data on our website, the visitor is providing explicit consent to the transmission of data collected on the website.
We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.
All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.
We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.
This website (“website”) is owned and operated by Loan Direct. This policy outlines how we protect the information for users of our site, and how we collect information from you.
By accessing, browsing, or using our website, you acknowledge that you have read, understand, and consent to the use of information collected here, and agree to be bound by these terms.
Your privacy is important to us. We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. Your use of this website, or any Services or information derived from this website, constitutes acceptance of this policy and any other applicable terms.
Personally Identifiable Information That We Collect
Loan Direct respects your privacy and is committed to protecting personally identifiable information that you provide in connection with your use of this website and Services. Loan Directmay gather information that personally identifies users of this website, even if you provide such information to us. For example, Loan Direct will gather information about individuals requesting products or services when they submit a request, create a user account or otherwise provide information through this website.
We will also collect nonpublic personal information about you and members of your household in connection with your agreements, applications or transactions with us. This information may be aggregated from information you provide or through technological collection from cookies, pixel tags, web beacons, browser fingerprinting or other tools. The type of information collected may vary depending on your use of this website, the products or services you inquire about or select and the type of product or service you agree to undertake. Information collected may include:
- information we receive from you on applications, agreements and other forms;
- information about your transactions with us, our affiliates or others;
- information about the creation of user accounts, interest in particular services, location-based information, online consumer behavior, your use of this website or interest in products and services related to those offered by Nexera and interaction with other web-based or mobile applications;
- information we receive from consumer reporting agencies and other sources; and
- with your consent, we may ask a third party providers to confirm or give us more details about your applications, inquiries or transactions with us or others.
Non-Personally Identifiable Information That We Collect
You may be asked to provide information that does not personally identify you. Loan Direct may request this information to understand you better and to also bring to your attention new products, services, programs or offers that may be of interest to you.
Information about Other People
Some of the services on the website may ask you to submit personally identifiable information about other people. For example, you might submit a person’s name and other personally identifiable information if you are interested in a product or service. A record of that transaction will be maintained as allowed and/or required by law. In addition, we may add those people’s information to our marketing database for future use or access by them or us.
Cookies and Related Technology
Use, Disclosure and Sharing of Information
Personally Identifiable Information
Loan Direct uses information about you to deliver the Information, Products and Services that you request, to keep you informed about changes affecting our Products or Services or your account, to inform you of other Services or offers in which you might be interested, and to improve and enhance our website and Services. If you provide Loan Direct with personally identifiable information, we will take all reasonable and appropriate steps to protect it from unauthorized disclosure.
You may opt-out to receive email from us by following the directions in each message to “unsubscribe.” However, if you choose to opt out of marketing messages, we reserve the right to contact you regarding your transactional issues, account status, technical support, product information, changes to account terms and any other matter that might affect our service to you and/or any products or services you purchased from us, as applicable.
We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services.
We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with include:
- persons or organizations that perform professional, business, underwriting, credit review or other functions for us;
- your loan broker or originator organization;
- title and escrow agents;
- designated vendors associated with your transaction, such as appraisers and insurance agents; and,
- regulatory and enforcement authorities.
We have procedures that restrict access to nonpublic personal information about you to our employees and others who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.
Google Analytics Advertising Information
To enable us to understand who uses this website, we may have implemented the following Google Analytics Advertising Features:
- Remarketing with Google Analytics
- Google Display Network Impression Reporting
- Google Analytics Demographics and Interest Reporting
We will not identify users or facilitate the merging of personally identifiable information with non-personally identifiable information collected through any Google advertising product or feature unless we have robust notice of, and the user’s prior affirmative (i.e., opt-in) consent to, that identification or merger. Irrespective of users’ consent, we will not attempt to disaggregate data that Google reports in aggregate.
Visitors can opt out of the Google Analytics Advertising Features through Ads Settings, Ad Settings for mobile apps, or any other available means (like the NAI’s consumer opt-out). You may also take advantage of Google Analytics’ currently available opt-out browser add-ons for the web at https://tools.google.com/dlpage/gaoptout/.
Your California Privacy Rights
(As provided by California Civil Code Section 1798.83)
A California resident who has provided personal information to a business with whom he/she has established a business relationship for personal, family or household purposes (“California Customer”) is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties’ direct marketing purposes. In general, if the business has made such a disclosure of personal information, upon receipt of a request by a California Customer, the business is required to provide a list of all third parties to whom personal information was disclosed in the preceding calendar year, as well as a list of the categories of personal information that were disclosed.
California Customers may request further information about our compliance with this law by e-mailing firstname.lastname@example.org. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.
Who we are
Our website address is: http://loandirect.us
What personal data we collect and why we collect it
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.