PRIVACY POLICY
BadCreditLoanCentral.com’s
(“BCLC” or “Website”) Privacy Policy is designed to help you
understand how BCLC collects and uses the personal information you
decide to share, and help you make informed decisions when using this Website.
By using or accessing BCLC, you agree to be bound by the terms of this Privacy Policy. If
you do not agree to these terms, please do not use BCLC.
Applicability
Except as otherwise expressly
included in this Privacy Policy, this document only addresses the use
and disclosure of information BCLC collects from you. If you disclose
your information to lenders or other parties that you are placed in
contact with through BCLC or other websites throughout the Internet,
different privacy policies may apply to their use or disclosure of the
information you provide to them. Since BCLC does not control the privacy
policies of third parties, you are subject to the privacy policies of
that third party and are encouraged to read their privacy policies or
ask questions before you disclose your personal information to others.
Users Under 18 are Strictly
Prohibited
This website is strictly prohibited
to anyone under the age of 18. The information and services provided
by BCLC, our affiliates, sponsors, and advertisers are not intended
to be viewed by children (under 18 years old). No information collected
from children is knowingly used for any marketing or promotional purposes
whatsoever, either inside or outside BCLC. If you are below 18
years of age, please leave this Website now.
Information
Collected by BCLC
In order to ensure that consumers get the very best service, BCLC
collects demographic information, web pages visited and other consumer-volunteered
information from sources such as forms, survey information and/or site
registrations. BCLC also collects information including name, zip code,
phone number, e-mail address and certain credit-related information.
Gathering the information it collects about you helps BCLC to identify
its customers and manage its customer relationships. It also assists
BCLC in the development or referral of products and services that it
believes will meet the continuing needs of its customers. Collected
information is also used to improve the content of this Website, customize
the content and/or layout of the Website for individual users, and/or
for marketing purposes.
BCLC also has business affiliates
that it exchanges your information with, so that they can also offer
you products or services. In some cases by entering information on the
Website, you are giving permission to BCLC to pass your information
to its business affiliates. Please be aware that BCLC is not responsible
for your data after it is provided to any third party. BCLC collects
information using cookies, log files, clear GIFs, and through its business
affiliates. A session cookie is deleted from your computer as soon as
you close your web browser. A persistent cookie is stored on your computer,
and it allows you quicker access to the Website, and also helps BCLC
track and target your Internet interests so that it can send you relevant
offers. Persistent cookies can be removed by following Internet browser
help file directions at http://support.microsoft.com/default.aspx?scid=KB;EN-US;q278835 for Internet Explorer®. BCLC also
uses the information in the aggregate, which means it can’t identify
any one person, but it can see what the habits and trends are for people
who do use the Website.
If you browse through our Website
without entering any personal data, BCLC will gather and store certain
information about your visit. This information does not identify you
personally and cannot be linked back to you unless you decide at some
point to identify yourself. If you are only browsing, BCLC collects
the following information: IP address, the type of browser and operating
system used to access our site, the date and time you access our site,
the pages you visit (click-through), and if you linked to the Website
from another website, the address of that other website.
Information We Share With
Others
BCLC may make your name, mailing address and email address available
to other companies that wish to tell you about their products.
BCLC may segment the information into groups of customers who have
bought similar amounts and types of products, but it will never provide
details that are specific to a single customer or household. Of course,
if there is any information that is legally required to be provided
to government agencies, credit reporting agencies or to prevent fraud,
BCLC will comply with its legal obligations.
Who Owns the
Information You Provide to BCLC?
Once it is received in our database, the information you provide,
including your name, e-mail address, home address and credit status
information becomes the property of BCLC. BCLC does not retain any
information that you may input on the lender websites. It does
not collect sensitive information such as social security number, bank
information, etc. and its representatives do not make phone calls about
loans. Any request to opt out of future lender communications
must be made directly to the lender, not BCLC.
Direct Marketing Disclosures
Users who are residents of California may request a copy of BCLC’s
Direct Marketing Disclosure by contacting
and typing “Privacy Policy Direct Marketing Disclosure” in the subject
line of the e-mail. You can also opt out of receiving any such marketing
with your request, and your name will not be shared in the future. Requests
sent to this e-mail address will be answered within thirty (30) days.
Do I Have a Choice in the
Collection and Use of My Information?
Many customers appreciate receiving information and offers about products
and services that may be of interest and value to them. However, at
BCLC, we recognize that it's your choice. If you prefer that we not
disclose any nonpublic personal information about you to any nonaffiliated
third parties, you may opt out of those disclosures, that is, you may
direct us not to make those disclosures (other than disclosures permitted
by law). Furthermore, if you do not want to receive any offers about
products and services from BCLC, you may opt-out of receiving these
as well. It generally takes up to thirty (30) days before your
request becomes effective. If you do not want BCLC to share any information
that you have provided to the Website or that it has gathered or do
not want to receive offers from BCLC, please let send an e-mail to
.
Your request will apply to any of
the information BCLC has obtained in any transaction on the Website.
An opt-out request by any party on a joint account will apply to all
parties on the joint account.
Security
BCLC understands the importance of security for its consumers.
For that reason, BCLC maintains physical, electronic and procedural
safeguards that comply with all state and federal regulations to guard
against misuse of the information it obtains. When applicable,
BCLC uses the latest SSL (Secure Socket Layer) encryption technology
to protect sensitive personal or financial information during transmission.
This allows your personal information to be submitted in a secure environment
while reaching the intended parties. An SSL-capable web browser is needed
to support this encryption technology. Netscape Navigator 4.6 or higher
or Microsoft's Internet Explorer 4.01 or higher will support SSL technology.
To verify that you are on a secure web page in Netscape Navigator, right-click
while your cursor is on the form (not the border) and select "view
Frame information" in Netscape Navigator. To view security certificates
in Internet Explorer, click Internet Options on the View menu in the
browser and then the Content tab. In the Certificates area, click the
Personal, Sites, and Publishers buttons to view the current certificates.
What’s the Procedure for Changing the Privacy Policy?
If BCLC decides to change its Privacy Policy, it will post the changes
here so that you will always be aware of the information it collects,
how it uses that information, and under what circumstances, if any,
it discloses the information. Your continued use of BCLC indicates
your agreement to these changes. It is solely your responsible
to check for updates of this policy. BCLC encourages you to refer
to this policy on an ongoing basis so that you understand its current
Privacy Policy. Unless stated otherwise, the current Privacy Policy
applies to all information that BCLC has about you.
If you have any questions about
this Privacy Policy or the privacy practices of this Website, you can
send an email to
.
