Information Sources and Uses

​

We may collect Personal Identifiable Information from a number of sources, including:

• Registration Information you provide when creating an account on our Website.

• Billing Information you provide when purchasing on Website.

• Other information you provide, such as the city of your birth and your mother's maiden name, used to verify your identity in case you forget your login information.

• Information you provide in response to our communications. For example, we may ask you to provide your email address so that we may send you notifications, alerts, special offers and newsletters.

• Information that you provide to customer service representatives, correspondence and general feedback.

• Information you provide responding to Website products or services.

• Information you provide in order to check status on your application.

 

We may use Personal Identifiable Information about you in a number of ways, including:

• responding to your request for products or services offered through the Website;

• continuing to check status on your application on your behalf;

• notifying you about products, services, and other opportunities we think will be of interest to you;

• providing promotional offers through direct marketing, including, without limitation e-mail, telephone, or SMS Messages Service.

 

We reserve the right to share, rent, sell, or otherwise disclose your User Information in accordance with applicable law, including Personally Identifiable Information, but excluding sensitive Personally Identifiable Information (i.e., social security number and financial account information), with affiliated and non-affiliated third parties, such as, but not limited to:

• Special Offers - We may disclose User Information to affiliated companies for marketing purposes and to enhance our products or services. We may extend select special offers of goods or services to you. If you want to opt-out of receiving these offers, see the "Offering You Choices - Marketing Options," section below.

• Vendors - We may disclose User Information to non-affiliated third-party companies that provide services to us, such as marketing, distribution, advertising, analytics, data or list management, or certain product functionalities, or who provide goods or services that you may be interested in. If you provide any User Information to us, you expressly consent to receiving telephone calls, emails, text messages and/or direct mail from us, or on our behalf, about our Website's products and services.

• E-Commerce Providers on our Website - If you provide Personal Identifiable Information to one of our Website's eCommerce providers, vendors or advertisers, this transaction will occur on the site of the applicable e-commerce provider, vendor or advertiser, not on our Website. As such, the Personal Identifiable Information you provide is collected under and controlled by the privacy policy of that e-commerce provider, vendor or advertiser. We are not responsible for such parties' privacy policies. We encourage you to read and understand the privacy policy of any site with which you transact business.

• As Allowed by Law - We may share your Personal Identifiable Information with non-affiliated third parties as allowed or required by law.

• Cooperation with Government Agencies/Response to Subpoenas and/or Court Order - We may cooperate with any law enforcement or government agency request for User Information or documents, any administrative, civil or criminal subpoena, or any court order, and we may disclose any information we have regarding you, including User Information , in response to such requests without prior notice to you.

• Transfer ability - We may transfer your User Information and other data with any business controlling, controlled by, or under common control with us. In the event we go through a business transition, such as merger, acquisition, or sale of all or part of our assets, your Personally Identifiable Information and other User Information may be transferred, and you hereby consent to such transfer.

• Bankruptcy - If we file for bankruptcy, insolvency, reorganization, receivership, assignment for the benefit of creditors, application of laws or equitable principles affecting creditor's rights, or are involuntarily subject to such procedures, we may not be able to control how your Personal Identifiable Information is treated, transferred, or used. if such an event occurs, your Personal Identifiable Information may be treated like any other asset and sold, transferred or shared with third parties, or used in ways not contemplated or permitted under this Privacy Policy, without notice to you or your consent.

• Contact You - We may use any User Information provided by you to contact you for any purpose contemplated in this Privacy Policy or on our Website, even if your telephone number is found on a do-not-call registry or similar registry. You agree that submitting your information on the Website, and in accordance your telephone number, you agree to receive mobile marketing including, but not limited to, text-message based marketing ("SMS" Messages"), from us and our third party advertisers and marketers. You further agree that based on your individual plan with your carrier, you may incur charges associated with receiving such calls and messages and that you agree to be solely responsible for such charges. You may opt-out from receiving any such SMS messages by texting "STOP" or "Optout" or as specifically specified in the communication. By registering on or using the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time.

 

In addition to the above, we may disclose your Personal Identifiable Information in special cases when we have reason to believe that disclosing this information is needed: (a) to identify, contact or bring legal action against someone who may be causing injury to or interfering with our legal rights or property or the rights or property of another person; or (b) by operation of law.

​

Please be advised that certain Personal Identifiable Information becomes a matter of public record upon the filing of certain documents with the appropriate government agency or court.