Information We Collect:
When you visit This Website, we may collect the following types
of information:
Personally Identifiable Information You Knowingly Provide
Information #URL# Collects Automatically
Non-Personally Identifiable Information You Knowingly Provide
#URL# collects personally identifiable information that you
knowingly provide to us. For example, #URL# may ask you to
provide personally identifiable contact information (such as
name, address, e-mail address and telephone number).
If you choose to use an available referral service on This
Website (e.g., to send a postcard, listing, page link, contest
invitation, etc.), we will ask for certain personal information
from the recipient (e.g., the recipient’s name, e-mail address,
mobile telephone number) and your name and e-mail address. #URL#
uses the personally identifiable referral information you
provide to facilitate this communication on a one-time basis,
and may also store and use such personally identifiable
information for analysis purposes (e.g., tracking the success of
the referral feature).
In addition, as you (and other users) browse This Website, our
web servers automatically collect certain information about such
visits (usually through the use of cookies, javascript tags,
clear .gif files (also known as “web beacons”), and the analysis
of http headers), such as the user’s IP address, the user’s
domain name, the user’s browser type, the user’s user agent, how
many users visit This Website, which pages the user visits and
for how long, the date and time the user accesses This Website,
the Internet address of the site from which the user directly
linked to This Website and the links on This Website on which
the user clicks. In addition, #URL# collects certain search
parameters relating to searches conducted by the user which are
not entered by the user.
In some cases, we may also collect non-personally identifiable
information that you provide, such as search parameters in
connection with a search you conduct through This Website,
ratings and reviews, and zip code.
To improve the services we can offer you, we may decide to
expand This Website's capabilities for obtaining information
about users in the future. We will update this Privacy Policy as
our practices change to ensure that you are aware of
developments in this area.
How does #URL# use information collected on This Website?
When users supply personally identifiable information about
themselves for a specific purpose (for example, to register to
use a feature on This Website, to purchase a product or service,
to obtain a free listing, to receive information, or to apply
for a job), we may use such information for such purpose.
When users provide personally identifiable information to order
products or services (or to obtain a free listing) through This
Website, we may also use such personally identifiable
information as we would use the same information obtained in a
traditional non-electronic manner. For example, we may use such
personally identifiable information to assess your credit
rating, to publish your name, address, and phone number in our
directories (unless you have requested a non-published number),
to contact you in connection with user reviews and/or to
evaluate your service needs and contact you regarding additional
services you may find useful. When users provide personally
identifiable information in connection with a feature on This
Website, we may also use such personally identifiable
information in connection with the operation of such feature.
(For example, if you register to use the personalized directory
service, we may use the personally identifiable information you
provide to provide you with a more personalized and useful
service, and if you create a review of a business on ezloan.com,
we may publish your initials, city and state in connection with
such review.) When users provide personally identifiable
information in connection with a contest, sweepstakes or other
promotion that we may run on This Website, we may use such
information to administer such contest, sweepstakes or promotion
and to notify winners.
We may also use personally identifiable information you provide
to communicate with you (e.g., to send you e-mails) and to
otherwise serve you. For example, we may use your name and
e-mail address to send you e-mails to (a) provide information
regarding our company, marketing information about products and
services, and newsletters, (b) conduct online surveys, (c)
confirm orders placed online and (d) otherwise communicate with
you. However, you may request not to receive (i.e., “opt-out” of
receiving) commercial e-mail messages (the primary purpose of
which is the commercial advertisement or promotion of a
commercial product or service) from us (on a
category-by-category basis), by clicking on Update Your Email
Preferences (or otherwise visiting the e-mail campaign opt-out
page), and following the directions provided on the e-mail
campaign opt-out page. If you have previously opted out of
receiving commercial e-mail messages related to one or more
categories, you may cancel your request to opt-out of (i.e.,
consent to receive commercial e-mail messages from us related
to) such categories (on a category-by-category basis) by
clicking on Update Your Email Preferences (or otherwise visiting
the e-mail campaign opt-out page), and following the directions
provided on the e-mail campaign opt-out page. Please note that
we reserve the right to send certain types of e-mail messages
that are not subject to opt-out (see information about e-mails,
below) to online users, including those who have opted out of
receiving commercial e-mail messages.
In addition, #URL# may use personally identifiable information
you provide and information #URL# automatically collects through
this website (and may combine personally identifiable
information you provide with information #URL# automatically
collects through This Website and non-personally identifiable
information you knowingly provide) as it deems appropriate to
protect its property or other rights (for example, to enforce
any policies or contractual provisions regarding use of the
“ratings and reviews” feature or the “send a listing” feature).
We use information #URL# automatically collects through This
Website to improve This Website, to monitor its performance, to
make This Website easier for you and other users to use, and to
manage features and programs made available through This
Website. For example, #URL# may use information #URL#
automatically collects in the ways described in the section
entitled “What is a cookie and why does #URL# use them?”, below.
Can I review and request changes to personally identifiable
information that I provide through registration forms on This
Website?
If you register with us and create a profile on This Website, at
any time after you register and create a profile, you may review
and request changes to any personally identifiable information
you provided through the registration form, by viewing and
updating your profile within the application.
In addition, (i) you may request not to receive (i.e., “opt-out”
of receiving) commercial e-mail messages from us (on a
category-by category basis), by clicking on Update Your Email
Preferences (or otherwise visiting the e-mail campaign opt-out
page), and following the directions provided on the e-mail
campaign opt-out page, and (ii) if you have previously opted out
of receiving commercial e-mail messages related to one or more
categories, you may cancel your request to opt-out of (i.e.,
consent to receive commercial e-mail messages from us related
to) such categories (on a category-by-category basis) by
clicking on Update Your Email Preferences (or otherwise visiting
the e-mail campaign opt-out page), and following the directions
provided on the e-mail campaign opt-out page. Please note that
we reserve the right to send certain types of e-mail messages
that are not subject to opt-out (see information about e-mails,
below) to online users, including those who have opted out of
receiving commercial e-mail messages.
Do you sell or provide my information collected through This
Website to companies outside of the "#URL# Family?"
We do not sell or disclose personally identifiable information
you provide to us through This Website to anyone outside of the
"#URL# Family" unless (i) you specifically authorize it, (ii) it
is to complete a transaction, service or activity that you
initiated or requested, (iii) it is to provide a service on
behalf of #URL# (for example, #URL# may contract with an entity
outside of the “#URL# Family” to send e-mail messages on behalf
of #URL#), in which case such non- “#URL# Family” entities are
not permitted to use such information for any purpose other than
to provide such service, (iv) it is to assess your credit
ranking or report your failure to fulfill your payment
obligations in connection with the purchasing of (or application
to purchase) products or services through This Website, (v) it
is required by law or we believe that such action is necessary
in order to conform to the edicts of the law, (vi) we believe
that disclosure is necessary to protect our rights and/or to
comply with a judicial proceeding, court order or legal process
served, (vii) we believe that disclosure is necessary to protect
the safety of customers, employees or property, or (viii) #URL#
transfers all or substantially all of its assets to another
entity (in which case #URL# may disclose, sell and/or otherwise
provide personally identifiable information to such entity). If
you provide personally identifiable information to us in the
context of an event #URL# sponsors on This Website with another
company, such as a contest, or if you register on a co-sponsored
section or feature of This Website, you may also be providing
such personally identifiable information to the co-sponsor. When
you provide your personally identifiable information to any
third party, #URL# is not responsible for any third party’s use
of such personally identifiable information.
#URL# may share information it automatically collects through
This Website with non-"#URL# Family" companies in order to
assess the results of a promotion, event or third party
relationship, to provide information to current or prospective
customers, to complete a transaction, service, search or other
activity that the user initiated or requested or to otherwise
enhance your online experience. For example, we may provide
information #URL# automatically collects:
When you link to another site from This Website.
When you request certain information that #URL# obtains from a
third party
When we host co-branded versions of This Website (or portions of
This Website). Our co-branded websites may also contain clear
.gif files (electronic images that allow This Website to
automatically collect information about your visit to the
website).
When we use third party tracking services to help us analyze
automatically collected information in the aggregate to evaluate
the effectiveness of This Website. The third parties performing
such tracking services are not permitted to use the information
for any other purpose.
We may also disclose information #URL# automatically collects to
non-“#URL# Family” companies or entities if (a) it is required
by law or we believe that such action is necessary in order to
conform to the edicts of the law, (b) we believe that disclosure
is necessary to protect our rights and/or to comply with a
judicial proceeding, court order or legal process served, (c) we
believe that disclosure is necessary to protect the safety of
customers, employees or property, or (d) #URL# transfers all or
substantially all of its assets to another entity (in which case
#URL# may disclose, sell and/or otherwise provide information
#URL# automatically collects to such entity).
Please note that #URL# may support features and content
appearing on other companies' sites that you may visit. These
companies may collect information about you, but #URL# does not
have control over the privacy practices of these companies. If
you are visiting a site that indicates that it is "powered by
ezloan.com", or if you link to another site from This Website,
you are advised to read the privacy policy of that site for its
policies regarding information collection and usage.
Do you accommodate links to other sites?
Yes. This Website contains links to other sites. These other
sites may, among other things, allow you to bid on and/or
purchase products that you initially viewed on This Website.
These other sites may (or may not) be “co-branded” or
“private-labeled” with (or otherwise contain) the ezloan.com
trademark or other trademarks or branding of #URL#. You can tell
if you have linked from one site to another site by looking at
the URL in the browser window (or, if the link opens a new
browser window, by looking at the URL found by “right-clicking”
on the page in the window and selecting “properties”). If the
second level domain of the URL for the page containing the link
is different than the second level domain of the URL for the
page to which you have linked, you have linked to a different
site. For example, if you link from a page located at the URL
www.abcdomain.ezloan.com to a page located at the URL
www.ezloan.abcdomain.com, you have linked to another website.
Please note that any of #URL#'s trademarks or service marks
(e.g., ezLoan.com, #URL# Look Up, Inc. etc.) may be included in
the URL of a co-branded or private label site that is owned and
operated by another company, in a location other than that
occupied by the second level domain (e.g., as the third level
domain). Other companies that own or operate these sites may
track and/or collect information about you, but #URL# does not
have control over the privacy practices (including, without
limitation, those relating to tracking user activity, collection
of user data, use of user data, and security) of these companies
(although, when a user activates a link from This Website to one
of these other sites, #URL# may pass the user’s referral URL and
IP address to the server hosting such other site). We are not
responsible for the privacy policies or practices (including,
without limitation, those related to tracking, collection, use
and security) employed by other companies (or in connection with
sites of other companies), and we are not responsible for the
content on, or operation of, sites of other companies
(including, without limitation, any transactions conducted
through such sites). We are committed to safeguarding customer
privacy on This Website. If you are visiting a site via a link
on This Website, you are advised to read the privacy policy of
such other site for its policies regarding information tracking,
collection, usage and security.
#URL# may, however, host (or contract with third parties to
host) website advertising linked to This Website (the "#URL# -
Hosted Website Ad(s)"). If you provide personally identifiable
information while visiting any #URL#-Hosted Website Ad, you will
also be providing the personally identifiable information to the
advertiser (and advertiser and/or #URL# may be automatically
collecting information while you visit any #URL# - Hosted
Website Ad). In addition, #URL# may share information which is
automatically collected while you visit any #URL# - Hosted
Website Ad with non-"#URL# Family" companies in order to
complete a transaction that you initiated or to assess and
report the results of the ad. #URL# is not responsible for the
privacy practices employed by the advertiser. If you are
visiting an #URL#-Hosted Website Ad via a link on this website,
you are advised to read the privacy policy of such #URL#-Hosted
Website Ad for its policies regarding information tracking,
collection, usage and security.
Does #URL# combine personally identifiable information provided
through This Website by users of This Website with offline
information about such users?
If and when #URL# intends to combine personally identifiable
information you provide through This Website with offline
information about you, this intent will be clearly stated. You
will then have the ability to choose not to have that
information combined.
E-Mail
#URL# may send you commercial e-mail messages (unless you have
chosen to opt-out of receiving them, with some exceptions, as
explained below) and non-commercial e-mail messages (which are
not subject to opt-out, as explained below). For example, #URL#
may send you e-mails to (a) conduct online surveys, (b) provide
information regarding our company, information regarding our
website(s), marketing information about products and services,
and newsletters, and (c) confirm orders placed online and to
otherwise communicate with you as a customer. In addition,
occasionally, we may use opt-in e-mail lists from third parties
to promote our latest specials.
You may request not to receive (i.e., “opt-out” of receiving)
commercial e-mail messages (the primary purpose of which is the
commercial advertisement or promotion of a commercial product or
service) from us (on a category-by-category basis), by clicking
on Update Your Email Preferences (or otherwise visiting the
e-mail campaign opt-out page), and following the directions
provided on the e-mail campaign opt-out page. If you have
previously opted out of receiving commercial e-mail messages
related to one or more categories, you may cancel your request
to opt-out of (i.e., consent to receive commercial e-mail
messages from us related to) such categories (on a
category-by-category basis) by clicking on Update Your Email
Preferences (or otherwise visiting the e-mail campaign opt-out
page), and following the directions provided on the e-mail
campaign opt-out page.
Please note that we reserve the right to send e-mails to online
users, including those who have opted out of receiving
commercial e-mail messages, to (a) facilitate, complete or
confirm a commercial transaction the user has agreed to enter
into with #URL#; (b) provide warranty information, product
recall information, or safety or security information with
respect to a commercial product or service used or purchased by
the user; (c) provide notification concerning a change in the
terms or features of, notification of a change in the user’s
standing or status with respect to, or at regular periodic
intervals, account balance information or other type of account
statement with respect to, a subscription, membership, account
or comparable ongoing commercial relationship involving the
ongoing purchase or use by the user of products or services
offered by #URL#; (d) provide information directly related to an
employment relationship or related benefit plan in which the
user is currently involved, participating or enrolled, (e)
deliver goods or services, including product updates or
upgrades, that the user is entitled to receive under the terms
of a transaction that the user has previously agreed to enter
into with #URL#, (f) communicate other non-commercial e-mail
messages, and (g) communicate commercial e-mail messages that
the user consents to receiving.
If you are visiting a site via a link on This Website, you are
advised to read the privacy policy of that other site for its
policies regarding e-mail. (See section entitled “Do you
accommodate links to other sites?” above)
Online Advertising
#URL# accepts advertisements from third parties that serve
advertising into This Website. #URL# may use clear .gif files
(also known as “web beacons”) provided by such third parties in
the pages containing the ad(s) that #URL# sends to your browser.
These "clear gifs" allow the third parties to automatically
collect information (e.g., usage pattern information) about your
visit to This Website.
As an online advertiser, #URL# may use information supplied from
third party companies in several ways, such as to:
Evaluate and prioritize site selection when developing online
media plan
Geographically target advertising
Deliver product and pricing advertising/information applicable
to the customers' state
Gauge the effectiveness of our online advertising
Security
What security measures are in place to restrict access to
personally identifiable information?
#URL# is committed to protecting your personally identifiable
information that you provide through This Website. This Website
is protected with a variety of security measures such as change
control procedures and physical access controls (and passwords,
as applicable). We also implement other control mechanisms in an
effort to help protect personally identifiable information that
you provide through This Website from being lost, misused or
altered inappropriately.
This Website supports 128 bit Secure Socket Layer (SSL)
encryption to transmit certain information (e.g., credit card
information provided by the user and social security numbers
provided by the user). SSL is a transport level technology for
authentication and data encryption between a web server and a
web browser. SSL sends data over the "socket", which is a secure
channel at the connection layer.
Cookies
A cookie is a small data string our server writes to your hard
drive that contains your unique User ID for This Website.
Cookies help us to identify new and returning users to This
Website, analyze click-stream data, and track historical
activity on This Website, which allows us to give you a more
personalized, useful experience on This Website.
Cookies help #URL# to enhance the user's online experience and
can be used to:
Deliver the appropriate geographic message.
Manage frequency of ad exposure; avoid over delivery of the same
message.
Tailor an advertisement or other content to better match your
interests and preferences.
Ensure that you see the correct products and pricing applicable
to the state in which you live.
Keep track of your order as you order services.
Understand advertising effectiveness.
Manage features and programs made available through This
Website.
A cookie cannot be used to access or otherwise compromise the
data on your hard drive. However, customers are free to delete
website cookies. Most internet browsers enable you to erase
cookies from your computer hard drive, block all cookies, or
receive a warning before a cookie is stored.
You can choose to change your browser settings to disable
cookies if you do not want us to establish and maintain a unique
User ID. Please be aware that cookies may be required to
complete certain functions on This Website, such as ordering
products or services. To disable cookies, see "Setting Cookie
Preferences", below.
However, you need to understand that some websites/ad serving
companies have the ability to reestablish your history even
after cookie deletion, if you reenter the same site on another
occasion, or some other site tracked by the ad serving
company/network, and specifically provide personal data.
Deletion of cookies alone does not prevent ad serving companies
from reestablishing history on a user. The user must either
continue to decline cookies each time it reenters the site to
keep the tracking severed, if desired, or opt-out. When you
opt-out, your unique user ID cookie is erased and you are
reassigned an anonymous, non-id cookie. This new cookie tells
websites that you have opted out and they will then know not to
attempt to assign other cookies to you in the future. Opt-out
cookies do not contain a unique user ID number therefore
websites are not able to identify your computer uniquely.
Users who choose to continually delete cookies and not opt out
can have their browser advise them each time a website attempts
to send a cookie to your system. At that time, you can choose to
either Accept or Cancel a cookie. Users who choose to "opt out"
after deleting cookies will receive an anonymous/non personally
identifiable cookie.
Here is How to Set Your Cookie Preferences:
Microsoft Internet Explorer 5+: From the menu, select Tools and
click on Internet Options. Click on the Privacy tab.
Mozilla Firefox: From the menu, select Tools and click on
Options. Click the Privacy panel and then click on the Cookies
label.
Netscape Navigator 7+: From the menu, select Edit and click
Preferences. Click the Privacy & Security category, then click
Cookies.
Other Browsers: Contact the manufacturer of the browser for
information.
Children's Privacy
#URL# does not knowingly collect personal information from
children through This Website. #URL# does not request that users
provide any personal information through any area of This
Website that is directed towards children. #URL# may, however,
automatically collect certain information regarding users’
visits to This Website (for example, the user’s IP address, the
user’s domain name, the user’s user agent, which pages the user
visits and for how long, the date and time the user accessed
This Website and the referral URL) including areas of This
Website that are directed towards children.
We cannot always determine the age of persons who access and use
This Website. If a child visits This Website or provides us with
the child’s information, we encourage the parent or guardian of
the child to Contact Us to have such information deleted. This
Website, and any site to which users may link from This Website,
may contain content provided by advertisers or other third
parties that may not be suitable for children. #URL# asks
parents or legal guardians to assist #URL# by supervising any
activities of children at This Website.
Contact Information
Who do I contact if I am concerned, or have questions, about my
privacy related to This Website?
Please visit Privacy@ezloan.com
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