The effective date of this Privacy Statement (the "Policy") is January 1, 2014.
Protecting your privacy is important to ReadyCap Lending, LLC ("ReadyCap") and our employees. We believe the confidentiality and protection of Customer information is one of our most fundamental responsibilities. Whether you are an existing Customer or are considering a relationship with us, you have an interest in how we collect, use, retain and secure nonpublic personal information. And while information is critical to providing quality services, we recognize that one of our most important assets is our Customers' trust.
Please take a few minutes to review the Policy before using www.readycaplending.com (the "Site"). By using the Site, you are consenting to the collection, use, and disclosure of your Personal Information as set forth here. If you do not agree with this, please do not use the Site.
A. Scope of Policy
This Policy describes the information sharing and use practices employed by ReadyCap for personal information relating to ReadyCap Customers. For purposes of this Policy, the term Customer is defined to include (1) an individual with a continuing relationship with ReadyCap under which ReadyCap provides one or more financial products or services to the individual that are to be used primarily for personal, family, or household purposes or (2) ny individual who seeks or acquires, by purchase or lease, any goods, services, money, or credit for personal, family, or household purposes.
3. Privacy Notices
This Policy includes any separate privacy notices and/or notices posted on particular pages of this Site that may provide more detail regarding the Personal Information we collect on those pages, why we need that information, and choices you may have about the ways we use that information.
4. Other Agreements
When you sign up to use a special feature of the Site, you may be asked to expressly consent to special terms, for example, by checking a box or clicking on a button marked, “I agree.” This separate agreement will supplement or amend this Policy, but only with respect to the matters governed by such separate agreement.
5. Links to Other Sites
This Site contains links to other third party websites. This Policy does not apply to such unaffiliated websites.
6. Access to Site from Outside the United States
Your Personal Information is currently collected and stored on servers located in the United States, although we may transfer your Personal Information to our service providers and others located in the United States or another country for the purposes described in this Policy. No matter where your Personal Information is collected, used, transferred or stored, if it was collected through this Site, it will be protected by the terms of this Policy.
BY USING THIS SITE, YOU ARE CONSENTING TO THE COLLECTION, USE, TRANSFER AND STORAGE OF YOUR PERSONAL INFORMATION IN OR TO THE UNITED STATES OR TO ANY OTHER COUNTRY IN THE WORLD SUBJECT TO THE TERMS OF THIS POLICY.
B. Types of Information We Collect
"Personal Information" refers to information that identifies you personally, alone or in combination with other information available to us. Examples of Personal Information include your name, address, and email address.
1. Information You Volunteer
ReadyCap collects Personal Information you knowingly and voluntarily provide when you use this Site. For example, we collect the Personal Information you submit when you register with this Site and/or contact us with questions.
2. Information Sent by Your Web Browser
We collect information that is sent to us automatically by your Web browser. This information typically includes your IP address (identifies your computer's "location" and may be linked to account information that identifies you personally), the identity of your Internet service provider, the name and version of your operating system, the name and version of your browser, the date and time of your visit, and the pages you visit. Please check your browser if you want to learn what information your browser sends or how to change your settings.
3. Cookies and Similar Technologies
We use “cookies” and other Web technologies to collect information and support certain features of this Site. For example, we may use these technologies to:
- collect information about the ways visitors use the Site — which
pages they visit, which links they use, and how long they stay on each
- support the features and functionality of this Site — for example, to save you the trouble of re-entering information already in our database or to prompt the settings you established on previous visits; and
- personalize your experience when you use this Site.
Generally, the information we collect using these Web technologies does not identify you personally. If, however, you have created a user identity, for example, by registering on this Site, we may link the information we collect using these Web technologies to other information that identifies you personally.
Generally, if you do not wish to receive cookies, you may set your browser to reject cookies or to alert you when a cookie is placed on your computer. Although you are not required to accept cookies when you visit this Site, you may be unable to use all of the functionality of this Site if your browser rejects cookies. ReadyCap does not honor browser do not track requests at this time.
C. How We Use Personal Information
In general, we use Personal Information we collect through this Site:
- to provide the information, products and services you request;
- to better understand your needs and interests;
- to provide you with a personalized experience when you use this Site;
- to provide you with effective customer service;
- to improve the content, functionality and usability of this Site;
- to contact you with information and notices related to your use of this Site;
- to contact you with special offers and other information we believe will be of interest to you (in accordance with any privacy preferences you have expressed to us);
- to invite you to participate in surveys and provide feedback to us (in accordance with any privacy preferences you have expressed to us);
- to improve our products and services;
- to improve our marketing and promotional efforts;
- for security, credit or fraud prevention purposes; and
- for any other purpose identified in any other agreement between us.
D. How We Share Personal Information
1. Third-Party Vendors
We may share Personal Information collected through this Site with third-party vendors who act for or on behalf of ReadyCap. For example, we may share Personal Information with companies that provide credit card verification services and Web hosting services. These third-party vendors may need information about you to perform their functions.
2. ReadyCap Related Companies
When you provide Personal Information through this Site we may share your Personal Information with ReadyCap and any related companies. Any ReadyCap related company is required to handle information collected through this Site in accordance with this Policy. Accordingly, if we share your Personal Information with a related company, it will use your information only as permitted under this Policy (and any applicable Privacy Notices). ReadyCap and related companies may share and use Personal Information as permitted by applicable law.
3. Business Negotiations/Transfers
We may contemplate, for strategic or other reasons, selling, buying, merging, or otherwise reorganizing one or more of our businesses. In negotiating with a third party about entering into such an arrangement, we may disclose your Personal Information. Your Personal Information may also be transferred to a successor organization if, for example, we transfer the ownership or operation of this Site to another organization or if we merge with another organization.
4. Compliance with Laws and Protection of Our Rights and the Rights of Others
5. As Described in a Privacy Notice
We reserve the right to disclose your Personal Information as described in any Privacy Notice posted on the Web page where you provide that information. By providing your Personal Information on that Web page, you will be consenting to the disclosure of your Personal Information as described in that Privacy Notice.
E. How to Access, Update or Correct Your Personal Information
If you have registered with this Site, you may be able to access, update, or correct your Personal Information through your account settings. Otherwise, you may need our help. If you wish to access, update, or correct your Personal Information, please contact us at email@example.com. We will respond to you within a reasonable time and, in any case, within the time limits established by applicable law. We may ask you for additional information to verify your identity. In most cases, we will provide access and correct or delete any inaccurate information you discover. In some cases, however, we may limit or deny your request if the law permits or requires us to do so or if we are unable to verify your identify.
F. Steps We Take to Safeguard Your Personal Information/Security
We maintain reasonable administrative, physical, and technological measures to protect the confidentiality and security of Personal Information you submit on or through this Site. Unfortunately, no website, server or database is completely secure or “hacker proof.” We therefore cannot guarantee that your Personal Information will not be disclosed, misused or lost by accident or by the unauthorized acts of others.
G. Children Under the Age of Thirteen
The Site is not intended for children or minors under the age of thirteen years. We do not knowingly collect Personal Information from, or market online to, children under 13.
H. This Policy May Change
I. Contact Us
If you have questions about this Privacy Statement, please contact our Compliance Department at firstname.lastname@example.org or write to us at ReadyCap Lending Attn: Compliance Department, 420 Mountain Ave., 3rd Floor, New Providence, New Jersey 07974.