THIS POLICY CONSTITUTES A LEGAL AGREEMENT BETWEEN YOU [THE USER OF THE WEBSITE], AND PERSONALLOANEXPERT.COM, AS THE OWNER OF THE WEBSITE. YOU MUST BE A LEGAL RESIDENT OF THE UNITED STATES, WHO HAS REACHED THE 18 YEARS OF AGE.
THIS POLICY IS A PART OF THE WEBSITE TERMS AND CONDITIONS AVAILABLE ON THE WEBSITE 
WE MAY UPDATE THIS POLICY FROM TIME TO TIME. YOU MUST PERIODICALLY REVIEW THE POLICY FOR THE LATEST INFORMATION ON OUR PRIVACY PRACTICES.

 

PRIVACY POLICY

This Privacy Policy of Personalloanexpert.com (HEREINAFTER ALSO: we, us, our, ours, Website) is an official legal document describing the process about how the information provided by the user (hereinafter User, Users, You, Your, Yours) is collected, stored, processed and used on or in connection with the Website. This aims to ensure the protection of the information provided by the User on the Website. The implication means of both personal and non-personal information used on the website is also described in this Privacy Policy.
If You anyhow hold discord or misunderstanding towards the content contained in this Privacy Policy in full or in part, and/or refuse to accept the provisions thereof, You are strongly recommended that You discontinue using the services provided by this Website and should stop providing Your information and/or complete the registration on the Website through online forms or share [in any other way] Your information on or with the Website. 
The online services provided by and processed on and by this Website can be solely used by individuals, legally recognized as US residents and who have reached, at least, 18 years of age. This Website is operated and any process herein is implemented in compliance with [and without contradiction to] federal, state and local laws and regulations of the United States. 
Any information, which identifies or can somehow identify a person [directly or when combined with other data] shall be construed as and mean personal information. Such information supposes emails, addresses, IP-addresses, account information, localization, income, health information, the user’s behavior on the Website. By providing and submitting Your information, You give your consent towards the provisions of this Privacy Policy and accept it. This shall be construed as a confirmation by You about Your full understanding of that the any use of the information You provide the Website is and shall also be governed and regulated by this document.

 

I. PERSONALLY IDENTIFIABLE INFORMATION

The Website collects, stores, shares and use Your personally identifiable information under this Privacy Policy. The Website aims and ensure [at the highest possible extent] efforts through highly reputable methods of encryption to protect the information You provide on and trust to this Website.  
After You provide and submit Your information for using the services performed on and provided by the Website, it is processed for searching and matching with the corresponding lenders, capable to provide you with personal loan products, towards which You have showed Your interest.   By submitting Your information, you expressly agree and manifest Your will to be matched with a lender or financial service provider. The Website is entitled to share Your information with third party companies to verify Your identity (via SS number and/or driving license number, for example) and Your information against national databases. By submitting Your information on the Website, You expressly give Your consent to have Your information verified and Your credibility checked in accordance with the legal documents of the relevant third party lenders. 
The personal information provided by You to us may be used mainly for one or more of the following purposes:
1.    To fulfill the reason for which the information has been provided. 
2.    To provide you with information, products or services that You request from Us.
3.    To improve our website and present its contents to you.
4.    As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
5.    To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
6.    As described to you when collecting your personal information.

 

II. COOKIES

The Website is entitled to use cookies with purposes of collecting Your information and improving our services. You are provided with an option to accept or refuse these cookies, and know when a cookie is being sent to Your device. If you choose an option of refusing our cookies, you may be partly prevented from using of our services.

 

III. Categories of Third-Parties We May Share Your Information With:

-    Lenders
-    Network of lenders
-    Other companies that may be able to offer you or market products or services related to your loan request (for example, credit repair offers and other credit related offers).
-    Other third-party marketing partners

 

IV. THIRD PARTY COMPANIES

For the purposes of facilitating our Services and providing it on Your behalf, as well as for performing any other services in relation to the Services, the Website may employ third party companies and individuals. It shall be noted by You that these authorized parties have access to your Personal Information. Notwithstanding, the third parties are obliged not to disclose or use the information for any other purpose. The authorized third parties shall be liable for keeping Your information secure and in no way may use it for any other purpose other than the purposes authorized. 

 

V. INFORMATION COLLECTION FROM MINORS 

The information from children under 18 years old is strictly BANNED and will not be performed or anyhow processed on the Website. We provide filters, which enable anyone of illegal age to provide information on the Website. In case we detect any PII received from a user under 18 years old, we will immediately delete this information. 

 

VI. No Waiver

The rights and remedies available under this Policy may be exercised as often as required or deemed to be necessary, and are cumulative and not exclusive of rights or remedies provided by law. It may be waived only in writing. Delay in exercising or non-exercise of any such right or remedy shall not anyhow constitute or be construed as a waiver of that right or remedy, or any other right or remedy.

 

V. E-CONSENT

As soon as You submit information on the Website, you thereby agree to receive electronic notifications, documents and disclosures as well as the information provided directly on the Website and electronic communications with third party marketers and lenders We contract with. Your e-consent shall be recognized and considered as “in writing” and have the same legal force and effect thereof. According to Federal Electronic Signatures in Global and national Commerce Act, the users who give their consent and e-sign electronic documents agree to receive documents, disclosures and notification in electronic format, provide the information via electronic means and allow sharing of this information according to the provisions of privacy policies, terms of use and other applicable laws and regulations and conduct business electronically.