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ONLINE PRIVACY POLICY

Last Updated April 7, 2021

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by Choice Financial (“CHOICE FINANCIAL”) or our affiliates that link to or reference this policy (collectively, our “online services”). This policy covers CHOICE FINANCIAL’s many online services, including the websites, social media sites or pages, as well as any interactions you may have while viewing content provided through one of our advertising campaigns. By continuing to use this website, you confirm that you agree with this Online Privacy Policy and our terms of use. If you do not agree with the Choice Financial Online Privacy or Terms of Use you should discontinue your use of this website immediately.

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

  • Our online services are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the United States.
  • Our online services are not intended for children under 18. We do not knowingly collect personal information from children under 18 without parental consent. If you believe we have inadvertently collected information from a minor, please contact us at info@choicefinancial.co and we will take all reasonable efforts to remove the information.
  • If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our [U.S. Consumer Privacy Notice], which offers you certain choices with respect to the use and sharing of your personal information.
  • If you are a California resident, you may have rights under the California Consumer Privacy Act. Please click here to learn more.

Information we collect

Personal Information

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services.  For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, and the parts of our online service you access. We or our affiliates may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services.  In addition, we may later associate the usage and other information we collect online with personal information about you.

Use of Information

We use the information discussed above in a number of ways, such as:

  • Processing applications and transactions;
  • Verifying your identity (such as when you access your account information);
  • Preventing fraud and enhancing the security of your account or our online services;
  • Responding to your requests and communicating with you;
  • Managing your preferences;
  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
  • Providing you tailored content and marketing messages;
  • Operating, evaluating and improving our business (including developing new products and services; improving existing products and services; performing data analytics; and performing accounting, auditing and other internal functions);
  • Complying with and enforcing applicable legal requirements, relevant industry standards, contractual obligations and our policies; and
  • For any other purposes that we may specifically disclose at the time you provide or we collect your information.

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes, where permissible under applicable laws and regulations.

  1. Disclosures

* This website and the information it contains are in connection with unsecured, closed-end personal loans referred by Choice Financial. All loan requests are funded by a third party. Choice Financial has no control over any participating lender’s creditworthiness eligibility criteria. APR/interest rates will vary depending on your specific circumstances and each individual lender’s terms, and range from 4.99%–35.99%. Loan amounts range from $2,000 — $100,000. Loan repayment terms range from 6 months to 60 months. Not all who respond to this offer will qualify for the lowest interest rate or the maximum loan amount, as excellent credit is required for the best terms.

Choice Financial does not endorse any participating lenders or broker, and will not charge you for referring you to a participating lender. Choice Financial is not a lender or creditor, and does not act as a loan broker, debt relief or settlement provider, or a credit services organization. Choice Financial merely performs research related to its network of lenders and refers you to participating lenders with whom you then deal directly. For details, questions, or concerns concerning the specifics of a particular loan offer, please contact the relevant lender. Lenders may perform credit checks in order to evaluate your eligibility. This service is not available in all states and does not constitute an offer or solicitation for loan products that are prohibited by any state law. Void where prohibited.

Lenders we refer to you may be unable to extend credit if the lender determines that you do not meet, or no longer meet, the criteria for which you were initially approved for an offer. Loan approval is subject to verification and confirmation of certain information, including, but not limited to, your identity, credit history, and acceptance by the lender. Choice Financial or relevant lenders may request verification of relevant information, including income, employment, or other information. Your APR will be determined based on verification of your credit and other criteria at time of completing the lender’s loan application.

** In order to check your loan options with the lenders in Choice Financial’s network, Choice Financial will perform a “soft” credit pull, which will not affect your credit score, to review certain of your credit report information. Choice Financial will use the information obtained from this soft credit pull to determine the options available to you. If you decide to proceed with one of the available loan options, and choose to complete a loan application, the lender will request your full credit report from one or more of the consumer reporting agencies. This is considered a “hard” credit pull and may affect your credit score.

  1. ONLINE PRIVACY POLICY: Below is Choice Financial’s current policy, which I have copied and pasted and revised in redline to reflect our recommendations.

ONLINE PRIVACY POLICY

Last Updated: April 6, 2021

Your privacy is important to us. This Online Privacy Policy explains how we collect, share, use, and protect information when you visit or use this online service and any other online services offered by Choice Financial (“CHOICE FINANCIAL”) or our affiliates that link to or reference this policy (collectively, our “online services”). This policy covers CHOICE FINANCIAL’s many online services, including the websites, social media sites or pages, as well as any interactions you may have while viewing content provided through one of our advertising campaigns. By continuing to use this website, you confirm that you agree with this Online Privacy Policy and our Terms of Use. If you do not agree with Choice Financial’s Online Privacy Policy or Terms of Use you should discontinue your use of this website immediately.

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

  • Our online services are intended for a U.S. audience. If you visit or use one of our online services, your information may be transferred or processed in the United States.
  • Our online services are not intended for children under 18. We do not knowingly collect personal information from children under 18 without parental consent. If you believe we have inadvertently collected information from a minor, please contact us at info@choicefinancial.co for privacy policy questions and we will take all reasonable efforts to remove the information.
  • If you have a financial product or service with us, we will use and share any information that we collect from or about you in accordance with our [U.S. Consumer Privacy Notice], which offers you certain choices with respect to the use and sharing of your personal information.
  • If you are a California resident, you may have rights under the California Consumer Privacy Act. Please click here to learn more.

Information we collect

Personal Information

When you visit or use our online services, we may collect personal information from or about you such as your name, email address, mailing address, telephone number(s), account numbers, user name and password. We may also collect payment card information, social security numbers, driver’s license numbers (or comparable) when you provide such information while using our online services and where we believe it is reasonably required for ordinary business purposes.

Usage and Other Information

In addition to the personal information described above, we may collect certain information about your use of our online services.  For example, we may capture the IP address of the device you use to connect to the online service, the type of operating system and browser you use, and information about the site you came from, and the parts of our online service you access. We or our affiliates may also use cookies, web beacons or other technologies to collect and store other information about your visit to, or use of, our online services.  In addition, we may later associate the usage and other information we collect online with personal information about you.

Use of Information

We use the information discussed above in a number of ways, such as:

  • Processing applications and transactions;
  • Verifying your identity (such as when you access your account information);
  • Preventing fraud and enhancing the security of your account or our online services;
  • Responding to your requests and communicating with you;
  • Managing your preferences;
  • Performing analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view;
  • Providing you tailored content and marketing messages;

Understanding Cookies

We, or our service providers, and other companies we work with may deploy and use cookies and other tracking technologies for various purposes, such as fraud prevention and monitoring our advertising and marketing campaign performance. Some of these tracking tools may detect characteristics or settings of the specific device you use to access our online services.

“Cookies” are small amounts of data a website can send to a visitor’s web browser.  They are often stored on the device you are using to help track your areas of interest.  Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience.  Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services.

Bear in mind that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers and you do not wish to have cookies collect information, you will need to opt out from each browser on each of the computers and devices that you use. 

Linking to Third-Party Websites

CHOICE FINANCIAL may provide links to websites that are owned or operated by other companies (“third-party websites”).  When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.

Security

We use commercially reasonable physical, electronic, and procedural safeguards that comply with federal standards to protect and limit access to personal information.  This includes device safeguards and secured files and buildings.  Please note that the internet is inherently unsecure and thus any information you send to us electronically may not be secure when it is transmitted to us.  We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security number) to us.

Changes to this Online Privacy Policy

We may change this Online Privacy Policy from time to time.  When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date.  Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise. We recommend you review this Online Privacy Policy each time you visit CHOICE FINANCIAL’S website to review for such changes, as your continued use of the website constitutes your express acceptance of, and agreement to, the revised Online Privacy Policy.

If you have any questions or concerns related to this Online Privacy Policy, please contact us at info.choice-financial.net.