What personal information do we collect from the people that visit our blog, website or app?
When do we collect information?
How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
- To personalize user’s experience and to allow us to deliver the type of content and product offerings in which you are most interested<
- To improve our website in order to better serve you
- To send periodic emails regarding your order or other products and services
- To follow up with them after correspondence (live chat, email or phone inquiries
- Process applications and transactions
- Verify your identity
- Manage your preferences
- Prevent fraud and enhance the security of your account or our online services
- Perform analytics concerning your use of our online services, including your responses to our emails and the pages and advertisements you view
- Operating, evaluating and improving our business by performing data analytics and other internal functions
- To comply with and enforce applicable legal requirements and our policies and
- For any other purpose that we may specifically disclose at the time your provide or we collect your information.
How do we protect visitor information?
- We do not use vulnerability scanning and/or scanning to PCI standards
- We use regular Malware Scanning
- We use reasonable physical, electronic and procedural safeguards that comply with federal standards to protect and limit access to personal information.
- Please note that any information you send to us electronically may not be secure when it is transmitted to us via an unsecure channel. We recommend that you do not use unsecure channels to communicate sensitive or confidential information (such as your Social Security Number) to us.
- Prudent Lenders generally requires any sensitive or confidential information to be sent via its secure 256-bit encrypted system in order to better protect your information.
Do we use 'cookies'?
- Keep track of advertisements.
- Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
- If you disable cookies off, some features will be disabled that make your site experience more efficient and some of our services will not function properly.
Your IP address
Third party widgets – we may allow certain widgets (e.g., social share buttons) on our Site that enables users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Site where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information.
- We do not sell, trade, or otherwise transfer your personally identifiable information to outside parties or vendors.
California Online Privacy Protection Act
According to CalOPPA we agree to the following:
- Users can visit our site anonymously.
- Users are able to change their personal information by emailing us.
How does our site handle “do not track” signals?
We honor do not track signals and do not track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.
Does our site allow third-party behavioral tracking?
We do not allow third-party behavioral tracking.
COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under 13, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation’s consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under 13.
Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email within 7 business days and will post notification on our website. We also agree to the Individual Redress Principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.
CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.
We collect your email address in order to:
- Send information, respond to inquiries, and/or other requests or questions
- Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.
To be in accordance with CANSPAM, we agree to:
- Not use false or misleading subjects or email addresses.
- Identify the message as an advertisement in some reasonable way.
- Include the physical address of our business or site headquarters.
- Monitor third-party email marketing services for compliance, if one is used.
- Honor opt-out/unsubscribe requests quickly.
- Allow users to unsubscribe by using the link at the bottom of each email.
If at any time you would like to unsubscribe from receiving future emails, you can:
- Follow the instructions at the bottom of each email and we will promptly remove you from ALL future correspondence.
Retention of information
Rights with respect to personal data
If you are located in the European Economic Area, your rights with respect to personal data consist of:
• The right to be informed regarding the processing of your personal data;
• The right to access to your personal data;
• The right to have errors corrected;
• The right to have personal data erased or processing restricted;
• The right to data portability;
• The right to object to processing of your personal data;
• The right to lodge a complaint with a supervising authority;
• The right not to be subject to a decision based solely on automated processing; and
• When processing of personal data is based on consent, the right to withdraw your consent.
Responses to your requests to us regarding your personal data will be provided free of charge (including copies of materials), except that we may charge a reasonable fee for any repetitive requests, manifestly unfounded or excessive requests, or further copies. Similarly, we may refuse to act upon requests that are manifestly unfounded or excessive.