HOW DOES NineTorchesLoans.com COLLECT AND SHARE MY PERSONAL INFORMATION?
NineTorchesLoans.com collects your information when you inquire or fill out an online form or loan application. We submit the information you provided in your application to Lenders. NineTorchesLoans.com is not a lender or agent for any Lender but does follow privacy policies generally required of Lenders.
To safeguard your personal information from hackers and unauthorized use, we use security measures that comply with federal law. Our website is scanned daily by McAfee for security vulnerabilities and their seal only shows after our website has passed intensive scans.
Federal law gives consumers the right to limit some but not all sharing. It also requires Lenders to inform you how they collect, share and protect your personal information.
Additionally, under the federal e-sign ACT, with your consent, we can deliver such required information to you electronically and can use e-records and e-signatures in connection with your transactions with lenders in our network. If you do not consent to receiving the required information electronically in connection with your loan documents, or do not consent to the use of electronic signatures, we will not be able to proceed with you.
Types of information we collect and share can include:
|Reasons we can share your personal information||Do we share?||Can you limit it?|
|For everyday purposes - forwarding your application to Lenders in our network, information regarding your loan application and inquiries, responding to court orders||Yes||No|
|For marketing purposes - to offer our loan marketing services to you||Yes||No|
|For joint marketing with Lenders and marketing affiliates||Yes||No|
|For our affiliates to market to you - including information about your creditworthiness||Yes||Yes|
|For non-affiliates, to market to you - sharing your information to third party marketers||Yes||Yes|
To limit our sharing
To request a change in how we share your information please let us know via the Contact Us Form.
OTHER IMPORTANT INFORMATION
Residents of Arkansas, Georgia, New York, Oregon, Washington, West Virginia & Vermont are not eligible to apply for a loan on this Website. This service is not available in all states, and the states serviced by this Website may change from time to time and without notice.
Policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at the sole and absolute discretion of NineTorchesLoans.com. Changes to this Policy will be posted on the NineTorchesLoans.com web site and we will revised the "last updated" date at the top of this policy. You should review this Policy each time you access the web site. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an email to the email address you most recently provided to (unless we do not have an email address for you) and/or by prominently posting notice of the changes on this web site.
Your continued use of the Site constitutes your agreement to the new Policy and its changes, and by using this Site and submitting an application to be connected to a Lender, you warrant you have done so or decided not to do so. If you do not understand any terms of this Policy, you should seek legal advice.
Access to Loan Information
To reduce the potential for unwanted e-mails and SPAM, NineTorchesLoans.com may provide a substitute e-mail address to the lender as your e-mail. We will forward any legitimate e-mails related to your loan or application sent to this substitute e-mail address for a reasonable period (at least [six months] following the date of your Application). You understand that through this substitute e-mail address, we may have access to information regarding any loan made to you by a Lender or other correspondence sent to you by the Lender. We may also, at any time, provide Lenders with the actual e-mail address you provided on your Application.
You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site for any illegal or inappropriate activities.
Third Party Advertisers
In order to provide our services free of charge, we may display advertisements. By accessing or using this website, you expressly agree to receive these advertisements. We may provide links or automatically redirect you to third party web sites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a web site that NineTorchesLoans.com does not operate or control.
You should always review privacy policies and terms of all third party sites you access. In addition, we may share some or all of your personally identifiable information with third party marketers and list managers with whom we have a business relationship and they may use this information to communicate with you about other business or marketing offers via telephone, direct mail, email, SMS or other channels. Standard text message rates may apply if using SMS.
California residents may request that their personally identifiable information not be shared with third parties. California residents may send such requests via the contact us form on our Site. Please include your full name, email address and mailing address in your communication to us. California residents may also file grievances and complaints with California Department of Consumer Affairs via mail at 400 R Street, Suite 1080, Sacramento, CA 95814 or by phone at 916-445-1254 or 800-952-5210 or by email to [email protected]