Effective Date: December 31, 2019
QuickLoanLink.com ("Company" "we" or "our") is committed to advising you of the right to your privacy and strives to provide a safe and secure user experience. This Privacy Policy explains how we collect, store and use personal information provided by you on our Website. By accessing and using our Website, you explicitly accept, without limitation or qualification, the collection, use and transfer of the personal information provided by you in the manner described in this Privacy Policy. Please read this Policy carefully, as it affects your rights and our liabilities under the law. If you disagree with the way we collect and process personal information, please do not use our Website.
1.1. We collect general types of information about you when you visit and use our Website; examples include personal information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information:
1.1.1. Personal Information. Is information that can be used to identify you or any other individual to whom the information may relate. This is information which you are prompted to provide to us. Such information may include your name, address, telephone number(s), mobile numbers and email address, credit card number(s), bank account(s), employment status or self-employment or other unique information about you which you provide to us during the registration process, or through the course of communicating with us about the products and services provided on our Website. We may collect this same information about all other persons when you provide it to us.
1.1.2. Demographic Information. Is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information may include, but is not limited to, zip code, mobile phone carrier, age, gender, salary range, education, marital status, occupation, military service, industry of employment, personal and online interests. When we can identify you personally through the use of this information, it becomes Personal Information.
1.1.3. Behavioral Information. Is information which is automatically collected when you use our Website. This information includes the areas of our Website that you visit, what services you access or ordered, information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, and other websites you have visited. When we can identify you personally through the use of this information, it becomes Personal Information.
1.1.4. Third-Party Information. Is information about you that we acquire from a third-party which may include personal, demographic, behavioral and indirect information. This collection may also include, but not limited to, first party cookies, third-party cookies, anonymous cookies, persistent identifiers, email opt-in records and search engine keywords. We may also receive information third-parties derive from government entities which publicly post your information, such as your DMV records. We have no access or control over these cookies and other tracking devices used by third-parties including advertisers and networks, internet service providers, data analytics providers or social networks and platforms. We have no responsibility or liability for the policies and practices of these parties. When we can identify you personally through the use of this information, it becomes Personal Information.
1.1.5. Web Technology Information. Is information we automatically collect from you when you visit our Website. This includes internet protocol (“IP”) addresses, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is collected from the use of cookies, Web beacons or JavaScript.
1.1.6. No Information Collected from Children. We will never knowingly collect any Personal Information from children under the age of 16. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 16, that information will be immediately deleted from its database. Because it does not collect such information, we have no such information to use or to disclose to third-parties.
1.1.7. No Sensitive Health Information is Collected. We do not collect information about past, present or potential future medical conditions or treatments. Nor do we collect any biometric information.
1.1.8. Credit Card Information and Bank Account Information. We may, in certain instances, collect credit card number(s), bank account information and related information, when you place an order on our Website. When the credit card or bank account information is submitted to us, such information is encrypted and is protected with SSL encryption software. We will use the credit card information or bank account information for purposes of processing and completing the transaction you requested through a third-party processor. As such, information will be disclosed to third-parties as necessary to complete the requested purchase transaction.
2.1. Generally, we as well as third-party vendors, networks, ISP(s) and supporting advertisers use technologies such as cookies, web beacons, and java scripts. These technologies collect internet protocol (“IP”) addresses, browser type, internet service provider (“ISP”), referring/exit pages, operating system, date/time stamp, and/or clickstream data. This information is used to analyze trends, administer our Website, track users’ movements through our Website and gather demographic information about our user base as a whole. We may receive reports based on these technologies on an individual or aggregated basis. California residents have the right to know if we respond to do not track signals or cookies. We do not respond to such signals or cookies.
2.1.1. Cookies. “Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our Website. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this website again, cookies allow us to remember your settings and may be used for authentication. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our Website, and deliver specific content to you based on your past viewing history. You can disable cookies, although our Website may not function properly for you. Your browser preferences can be modified to accept or reject all cookies or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com/faq/ }
2.1.2. Third-Party Cookies. We allow third-party vendors and advertisers to set their own cookies on and through our Website. We have no control over the practices of those third-parties and are not responsible for their technology or tracking. We encourage you to review the policies of such persons or entities on their websites. We use various ad services provided by Google that connects the activity on our Website with their advertising network and they may use cookies that collects information regarding certain patterns in your browsing history. To opt-out of this tracking, please see https://support.google.com/ads/answer/2662922?hl=en. We also participate in all of Google’s Analytics Advertising. This includes: (i) Remarketing with Google Analytics; (ii) Google Display Network Impression Reporting; (iii) Google controlled Campaign Manager integration; and (iv) Google Analytics Demographics and Interest Reporting. Google uses cookies to track activity performed by Google Analytics and its AdWords or DoubleClick cookie. To opt-out please see https://tools.google.com/dlpage/gaoptout/. We also use Google Analytics which is an analysis service. Google utilizes the data collected through its cookies to track and examine the use of this site, to prepare reports on its activities, and to share them with other Google services. You may opt-out of the Google Analytics service using Google’s Browser Add-on here https://tools.google.com/dlpage/gaoptout/.
2.1.3. Social Media Cookies. Our Website includes third-party social media features. These features may collect your IP address, which page you are visiting on our Website, and may set a cookie to enable the feature to function properly. Social media features are either hosted by a third-party or hosted directly on our Website. Your interactions with these features are governed by the Privacy Policy of the company providing it.
2.2. Web Beacons. We use electronic images known as Web Beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our Website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web Beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web Beacon resides. We may also use Web beacons in email messages sent to you. This allows us to determine if you opened or acted upon the email message. Because Web beacons are the same as any other content request, you cannot opt-out or refuse them. However, they can be rendered ineffective by either opting-out of cookies or changing the cookie setup in your browser.
2.3. JavaScript. We may also use JavaScript. JavaScript is a computer language that enhances the functionality of websites, particularly with respect to pictures. We use it to analyze and improve our Website’s functions. You may deactivate JavaScript through your browser settings or activate it the same way. If you disable JavaScript, you will not be able to use some of the functions of our Website.
3.1. Providing Services and Products. We use the information we gather on our Website to provide you with the services and or products you have requested. This may include passing your information on to a third-party to provide such services or products. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of third-parties. If you have any questions or wish to remove your information from the third-party databases, you will need to contact that party directly.
3.2. Improving Our Website. We use the information we gather to respond to any inquiries you make, operate and improve the functionality of our Website, and deliver the products and services advertised on our Website. We use the same for testing, research, analysis and product or marketing development. Our services include the display of personalized products, content, and advertising, relating to your experience and interests. This includes maintaining and improving the safety, security and integrity of our Website, databases and technology assets.
3.3. Promotions and Communications with You. We also use the information we gather to promote our and third-party services and products to you that might be of interest to you. We also use the information we have gathered to respond to your inquiries, concerns or requests. If your request is made through a third-party, we may use the information to respond to their requests.
4.1. We will share your Personal Information with third-parties and service providers as described in this Privacy Policy.
4.1.1. Product and Service Delivery. We share all categories of information set out in this policy with third-parties who help us in the delivery of the products and services you have requested.
4.1.2. Website Functionality. We share all categories of information set out in this policy with third-parties we employ to perform technical functions on our behalf. Examples include third-parties who host our Website, analyze our data, provide marketing assistance, process credit card payments, and provide customer service as set forth above.
4.1.3. Third-Party Products and Services. We share all categories of information set out in this policy with third parties including affiliated entities, service providers, and data aggregators with your information with third parties who will provide you with their opportunities, products or services. Again, this includes your personal and non-personal information, and includes your interests and preferences, so they may determine whether you might be interested in their products or services.
4.1.4. Anonymized information. We share aggregated anonymous information about you, combined with other persons using our Website with third-parties, so that they can understand the kinds of visitors that come to our Website, and how those visitors use our Website and promotion of our marketing. This includes demographic information and behavioral information.
4.1.5. Legal Process. We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to: (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.
4.1.6. Acquisition or Merger. We may disclose and transfer your information to a third-party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.
5.1. Third-parties collect and use information about you on or through our Website in the following way:
5.1.1. Advertisers. Advertising agencies, advertising networks, and other companies who place ads on our Website, may use their own cookies, Web beacons, and other technology, to collect information about you. We do not control the use of such technology and have no responsibility for the use of such technology to gather information about you.
5.1.2. Hyperlinks. Our Website and email messages sometimes contain hypertext links to websites owned by third-parties. We are not responsible for the privacy practices or the content of such other websites. These links are provided for your convenience and reference only. We do not operate or control any information, software, products or services, available on these third-party websites. The inclusion of a link on our Website does not imply any endorsement of the services, products or website, or its sponsoring organization.
5.1.3. Analytics. As described above, we use third-parties to monitor, analyze and report on the traffic to, from and within our Website and email messages.
6.1. We endeavor to safeguard and protect your information. When you submit information on our Website, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software ("SSL") to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our Website is at your own risk. However, access to your information is strictly limited and not accessible to the public.
7.1. We reserve the right to make material changes to the substance of this Privacy Policy. We will post those changes through a prominent notice on the website, so that you will always know what information we gather, how we might use that information, and to whom we will disclose it.
8.1. Right to Know About Personal Information Collected, Disclosed, or Sold.
8.1.1. You have the right to request that we advise you what Personal Information we collect, use, disclose, and sell that belongs to you. Personal Information does not include: (a) Publicly available information from government records; (b) De-identified or aggregated consumer information; (c) Information excluded from the CCPA’s scope, like health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”); (d) Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FRCA”), the Gramm-Leach-Bliley Act (“GLBA”), California Financial Information Privacy Act (“FIPA”), or the Driver’s Privacy Protection Act of 1994 (“DPPA”).
8.1.2. You may submit a verifiable consumer request to obtain the specific Personal Information we have collected about you either through our California Resident Portal form or you may email us at info@QuickLoanLink.com.
8.1.3. Upon receiving your information, we are required to verify that you are the same consumer with whom we have the information in our systems. To verify your identify, we will require that you fill out the portal form in its entirety which includes your name, address, email address and may include the last four digits of your social security number, your bank account number and other Personal Information we have collected.
8.1.4. As set forth in our primary Privacy Policy [link], we collect several types of information about you when you visit and use our Website; examples include Personal Information, demographic information, behavioral information, and indirect information. Sometimes we collect combinations of these types of information.
8.1.5. Personal Information has been collected from the following categories of sources:
8.1.6. We have disclosed, shared and/or received compensation for our disclosure of Personal Information for the following commercial/business purposes in the preceding 12 months:
8.1.7. We have disclosed Personal Information to our Service Providers and the following categories of third parties:
8.1.8. We do not collect, distribute, share or sell the Personal Information of anyone under the age of 16.
8.2. Right to Request Deletion of Personal Information.
8.2.1. You have a right to request the deletion of your Personal Information if we have collected or maintained it in the past 12 months.
8.2.2. You may submit a verifiable consumer request to delete your information using our California Consumer Portal and fully fill out the request form or contact us by email at info@QuickLoanLink.com.
8.2.3. Once we receive and confirm your verifiable consumer request, we will disclose to you the following:
8.2.4. This policy has disclosed our business or commercial purpose for collecting or selling that Personal Information and the categories of third parties with whom we shared that Personal Information.
8.3. Right to Opt-Out of the Sale of Personal Information. You have the right to opt-out of any sale of your Personal Information by us. If you are requesting a product or service, this is an exemption from this right, and we will process your request. However, you have the right to cease all further sale of your Personal Information.
8.4. Right to Non-Discrimination for the Exercise of a Consumer's Privacy Rights. You have a right not to receive discriminatory treatment by us for the exercise of these privacy rights conferred by the CCPA. As such, we will not deny you goods or services, charge you different prices or rates for goods or services, or deny you discounts or other benefits; nor will we provide you a different level or quality of goods or services or recommend a different level or quality of goods or services.
8.5. Authorized Agent. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Information.
8.6. Contact Us. Contact us for more information or with any questions either through our California Consumer Portal or by email at info@QuickLoanLink.com.
8.7. Limitations on Requests. You may only make a verifiable consumer request for access twice within a twelve (12) month period. The verifiable consumer request must: (a) Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or your authorized agent; (b) Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to you; (c) We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you; (d) Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
8.8. Response Time and Response Format. We make every effort to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons why we cannot comply with a request, if applicable. We will provide our response in a manner that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance to you.
8.9. Changes to California Resident Privacy Notice. We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will enforce the terms of the new policy going forward. You will receive no other notice than an updated posting on this page. Please check back each time you use or visit our Website.
9.1. If you have any questions or comments about this Privacy Statement, please do not hesitate to contact us at:
Email: info@QuickLoanLink.com
This Privacy Policy covers QuickLoanLink.com, its subsidiaries, and any of its websites (“Websites”). This Privacy Policy is designed to tell you about our practices regarding collection, use, and disclosure of information that you may provide via this Website and certain related services. Please be sure to read this entire Privacy Policy before using, or submitting information, to this Website.
This Website is not intended for anyone under the age of eighteen (18) or persons residing outside of the United States. By accessing the Website on any computer, mobile phone, tablet, or other device (collectively, “Device”), you agree to the terms of this Privacy Policy. If you do not agree to the Policy, please do not use the Website.
We may modify this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on our Website. We encourage you to periodically review our Privacy Policy to stay informed about how we are using the information we collect.
The main purpose of our Website is helping you to find a loan from prospective lending partners participating in our direct network of loan lending partners (“participating lending partners”).
We collect personal information from you when you provide it to us, including by providing information to us to find you a loan, or when you contact us. This information may include, for example, name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account information, financial information, employment information, and driver’s license number and state of issuance.
When you visit the Website, we may collect certain non-personal information from you, including your Internet Protocol (IP) address, the date and time of your visit, browser type, operating system, the specific web pages visited during your connection, and the domain name from which you accessed the Website. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Website, the areas or pages of the Website that you visit, the amount of time you spend viewing the Website, the number of times you return to the Website and other clickstream data. We may also use non-personal information for statistical analysis, research, and other purposes.
Like many commercial websites, we analyze how visitors use our Site through what is known as “cookie” technology. A cookie is a small text file that is placed on your computer when you access the Site and allows us to recognize you each time you visit the Site. We may use cookies to: (1) enhance or personalize your Website usage; (2) monitor Website usage; (3) manage the Website; and (4) improve the Website and our services. If you choose, you can set your browser to reject cookies or you can manually delete individual or all of the cookies on your computer by following your browser’s help file directions. However, if your browser is set to reject cookies or you manually delete cookies, you may have some trouble accessing and using some of the pages and features that are currently on our Website, or that we may put on our Website in the future.
We may also use web beacons on the Website, in our emails and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect information about your Site visit, such as the pages you view and the features you use, as well as information about whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you visited immediately before coming to the Website. Web beacons help us analyze our Website visitors’ behavior and measure the effectiveness of the Website and our advertising. We may work with service providers that help us track, collect and analyze this information.
We may combine the non-personal information we collect, such as through cookies and web beacons, with other information we have collected from you.
We may use the information we collect from and about you for any of the following purposes: (1) to fulfill your request for solicitation purposes and help you connect with a participating lending partner; (2) to respond to your inquiries; (3) to review Website usage and operations; (4) to address problems with the Website, our business or our services; (5) to protect the security or integrity of the Site and our business; (6) to monitor the Site for compliance with our Terms of Use and the law; (7) to enforce our contracts with you; (8) to remarket your information to third parties, with your consent where legally required and in accordance with all applicable laws and regulations; and (9) to contact you with Website updates, newsletters and other informational and promotional materials from us and offers from participating lending partners, as well as from other companies. In some cases we are provided a referral fee or commission from participating lending partners, marketing partners and financial service providers. It is your choice to participate with the offers that you are presented.
If you do not wish to receive communications from us about offers and promotions, you can opt-out of receiving these communications by emailing us at info@QuickLoanLink.com or by following the instructions in the messages you receive.
We may disclose information collected from and about you as follows: (1) to facilitate your request by sharing your personal information to participating lending partners so that they may contact you regarding a loan; (2) our related companies and service providers, to perform a business, professional or technical support function for us; (3)with consumer reporting and related agencies; (4) as necessary if we believe that there has been a violation of the Website Terms of Use or of our rights or the rights of any third party; (5) to respond to legal process (such as a search warrant, subpoena or court order) and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (6) in the event that our company or substantially all of its assets are acquired, your personal information may be one of the transferred assets. We may also disclose your personal information with your express consent. We may share aggregate, non-personal information about Website users with third parties.
Additionally, we may share your personally identifiable information (excluding your social security number, bank account information, or other financial information) with third party marketers and other service providers (including advertisers) with whom we have an ongoing business relationship.
Our participating third party lending partners may verify, without limitation, your social security number and driver's license number, or any other qualifying identification and review your information against national databases to determine credit worthiness, standing and/or capacity. Please note that multiple inquiries on the three national databases (Equifax, Transunion and Experian) may result in a lowered credit score. By submitting your information you agree to allow third party providers to verify your information and check your credit as described in their policies and terms.
We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us.
We may partner with ad networks and other ad serving providers (“Advertising Providers”) who serve ads on behalf of us and others on non-affiliated sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your visits to this site and elsewhere over time. Our Advertising Providers use cookies to personalize advertisements that you may see on other websites.
Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not Track” signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or requests. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.
We do not direct the Website to, nor do we knowingly collect any personal information from, children under the age of thirteen.
The Website may contain links to third-party websites, including those for participating lending partners, which may have privacy policies that differ from our own. Additionally, third party vendors (including Google) may display advertisements for this site and our services. We are not responsible for, nor do we endorse, any of the activities and practices that take place on these sites. Accordingly, we recommend that you review the privacy policy posted on any external site before disclosing any personal information. Please contact those websites directly if you have any questions about their privacy policies.
This site uses your information, including age, gender, and interests, to better understand the behavior of our customers while on the Site and inform our marketing efforts. Third party vendors (such as Google) may use cookies to serve advertisements to you based on your past visits to the site. You may opt out of the automated collection of information by third-party advertisers by changing your Google ads settings and preferences at http://www.google.com/ads/preferences. You may also learn more about Google’s privacy practices by visiting http://www.google.com/privacypolicy.html.
Under California’s “Shine the Light” law, California residents who provide Personal Information to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact our consumer support helpline via e-mail at info@QuickLoanLink.com.
If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail. If we need, or are required, to contact you concerning any event that involves your information, we may do so by email, telephone, or mail.
