Information Collection Practices
Like most website operators, we automatically gather information of the sort that browsers automatically make available, including: (i) Internet Protocol (IP) addresses; (ii) domain servers; (iii) types of computers accessing the Website; (iv) types of Web browsers accessing the Website; and (v) full Uniform Resource Locator (“URL”) clickstream data, including referring URLs, date and time, and content viewed or searched for on the Website (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you.
“Cookie” is a string of information that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. The purpose of a Cookie is to identify the user as a unique user of the Website. We use “session” cookies to collect information about your use of the Website and to give you a more personalized browsing experience and help you navigate the Website more efficiently from page to page.
“Web Beacons” (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to Cookies, and are used to track the online movements of web users or to access Cookies. Unlike Cookies which are stored on the user’s computer hard drive, Web Beacons are embedded invisibly on web pages (or in e-mail). Web Beacons may be used to deliver or communicate with Cookies, to count users who have visited certain pages and to understand usage patterns. For additional information on our uses of Web Beacons, see the section concerning Information Use and Disclosure Practices/Traffic Data and Information Gathered Using Cookies & Web Beacons, below.
We use third-parties for advertising and analytics for pages that we host. These third-parties may place Cookies on your machine, use Web Beacons, gather Personal Information, gather IP addresses and log data to collect traffic and activity data to deliver relevant metrics, content, and advertising. The collection of this information by third-parties are subject to such third-parties’ privacy policies. For additional information, see the section concerning Third-Party Websites, below.
During the loan application process, you will be asked to provide us certain information that personally identifies you (“Personal Information”). Personal Information includes, without limitation: (1) “Identity/Contact Data” (such as your name, Surname, Gender, address, email address, mobile phone number, driver’s license or ID card number, current working place – name); (2) “Financial Information” (such as monthly income total amount, cost of rent or household bill ); (3 ) “Demographic Data” (such as your birthday, city/town, zip code, City, Country). In each case, you will be asked to provide Personal Information; the Website will not gather it surreptitiously. By providing financial account numbers or ID card number, you consent the collection by us of such information. We may supplement the Personal Information you provide with additional Personal Information gathered from public sources or from third-parties (e.g., consumer reporting agencies, third-party service providers, etc.) who may lawfully provide such information to us.
Information Use and Disclosure Practices
Traffic Data and Information Gathered Using Cookies and Web Beacons
We analyze Traffic Data and information gathered using Cookies and Web Beacons to help us better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, we can improve the Website design to enhance customers’ user experience. From time to time, we may release Traffic Data and information gathered using Cookies and Web Beacons in the aggregate, such as by publishing a report on trends in the usage of the Website. We do not attempt to link information gathered using Cookies or Web Beacons.
We use your Personal Information and Financial Information to: (1) identify you; (2) to confirm facts about you; (3) to send you information about our products and services; (4) and to contact you when necessary in connection with the use of Website. We use your Demographic Data to customize and tailor your experience on the Website. As with Traffic Data and information gathered using Cookies and Web Beacons, from time to time we may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.
Communication of Website users
By providing your email address, phone number and other personal information you agree to receive TopOnlineLoans news and promotional communications. You can revoke such consent at any time:
Communication using emails – user can unsubscribe by clicking on the link in email footer or by sending an email with the request.
Except under the following circumstances, we will keep your Personal Information private, and will not sell or otherwise share it with third parties: Disclosure to Parent Companies, Subsidiaries, and Affiliates. We disclose Personal Information to our parent companies, subsidiaries, and affiliates for marketing and administrative purposes.
Disclosure to Lenders and Third-Party Partners. We refer consumers to lenders or to third-party partners who then may refer consumers to lenders. We disclose Personal Information to Lenders and third-party partners, who use your Personal Information to identify you, to confirm facts about you, to deliver financial products and services to you, to help assess requests for financial products and services, and as necessary to service your loan. Fintech Global Partners LP. We provide your Personal Information to third parties, so that they may contact you directly with information about additional products and services.
Security of Personal Information
We have implemented and maintain reasonable security procedures and practices to protect users against unauthorized access, use, modification, destruction or disclosure of users’ Personal Information.
Your Ability to Access, Update and Correct Personal Information
You represent and warrant that all information you provide on any application form or otherwise in connection with your use of the Website will be complete and accurate. We do not maintain a process for you to review and request changes to any of your Personal Information collected through the Website. If your Personal Information changes after you have applied to the Website, you must submit a new application with your new or updated information.
Effective Date: November 20th, 2019