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LenderOffender, LLC
Last Updated January 10, 2010
OVERVIEW
LenderOffender is committed to protecting the privacy of our members' personal information. The purpose of this policy is to inform you of LenderOffenders' information practices related to the personally identifiable information that you provided to us when using our services or website. Please remember that this Privacy Policy does not apply to the practices of companies that we don't own or control or to people that we don't employ or manage. We strongly encourage you to review the privacy policies of each website that you visit through a link or advertisement from our website. LenderOffender will occasionally update its privacy policy to reflect company and customer feedback.
Possible exceptions to our policy include the following circumstances, and as indicated herein:
• If a governmental agency, or an attorney, subpoenas your private information, or makes a formal request for discovery pursuant to any legal action, or pending legal action.
• If our attorney requests such information relevant to a current or pending legal matter in which you are a potential or actual party or otherwise contributed in some way to the causation of the legal matter.
EFFECTIVE DATE
This Amended Privacy Policy became effective on February 14, 2009. LenderOffender's Privacy Policy is subject to change without notice. At any time, you may visit LenderOffender to view the current policy. Your continued use of the LenderOffender website will be regarded as your acceptance of any and all changes.
COLLECTION AND USE OF YOUR INFORMATION
We collect your information at various points when you use the LenderOffender website. We use the data that we collect to display content according to your preferences. We collect and store information about you that you choose to disclose through our website and which we learn about from your use of our website. This information is collected, when you register, sign-in, search or request one of our newsletters. Your information will include all identifying information that you chose to disclose through our registration and profile process. We never sell or trade unique personally identifiable information or email addresses with other companies without your expressed consent. Aggregate information may be shared with advertisers, media or third parties. This kind of information does not identify you individually, but is often used to provide general demographics or statistics.
LenderOffender may engage third parties to perform an analysis or data processing of our databases that involves access to your information. LenderOffender will always take the appropriate measures to ensure that all third party companies are contractually required to keep this information confidential and that any and all information is only to be used to perform services for LenderOffender. LenderOffender may also disclose your personal information as permitted or required by law, such as with cases involving subpoenas, acquisitions and bankruptcies.
1. Registration
During the process of registering at LenderOffender, you will be required to provide certain personal contact information such as your name, zip code, e-mail address and password. Your personal contact information will not be viewable by other members unless you invite another member to view your data.
2. About Children
The LenderOffender website is not, nor will it ever be, directed to children under the age of 14 for the purposes of self registration. The LenderOffender website prohibits registration by and will not knowingly collect personally identifiable information from anyone under 14. If a child under the age of 14 personally submits any information about themselves or others and we become aware of it, we will make every effort to delete such information from our files.
3. Email Newsletters and Updates
LenderOffender offers email newsletters and account information updates and messages that may contain promotional information. As a registered member of the LenderOffender website you will receive these updates and messages that may contain promotional information.
If you no longer want to receive promotional information or newsletters please follow the unsubscribe instructions located in the Newsletters section of the website. Please note that even if you unsubscribe from any promotionally oriented emails or newsletters, you may still receive email messages from LenderOffender with information pertaining to your account and our services.
4. Website Blogs
If you use the blog or participate in one of our forums on our website, please be aware that any personally identifiable information you submit can be read and collected by other users. We are not responsible for the personally identifiable information you choose to submit in these forums.
5. Contests and Promotions
We may ask you for personally identifiable information when you enter sweepstakes, contests and promotions created and conducted by LenderOffender or a third party. If you choose to enter any of the above mentioned, we may share your personally identifiable information with third parties involved in the promotion so they can contact you. Any such sweepstakes, contests and promotions are void where prohibited or restricted by law.
COOKIES
A cookie is a small piece of data that is stored in a browser-related file on your computer's hard drive when you use our website. Cookies are uniquely assigned to your computer, and are read by a web server in the domain that issued the cookie to you. You must have cookies enabled in order for you to be able to perform many of the general functions on our website. With cookies enabled, the LenderOffender website will have the capacity to deliver a more customized experience and enable us to deliver information and fresh content specific to your interests. If you do not want these cookies stored on your computer you can reject cookies by modifying your browser setting. Please keep in mind that if you choose to reject cookies, you may not be able to access many of our services that require you to "sign in".
The information gathered is not shared with third parties. You may turn off your cookies by adjusting the appropriate setting on your browser.
Please consult the HELP menu of your browser to learn how to turn your cookies off. Cookies do not reveal personal information and if you turn off your cookies you may find your enjoyment of the Internet, and our site, to be reduced or impaired.
In order to seek out and repair functionality issues with our servers and related programming, we may use your email and IP addresses for evaluation and diagnostic purposes.
Cookies may provide Recording Session information, show us visitor preferences regarding return visits to our website, help us to mange subscription or private areas on our website, record user specific tracking or aggregate tracking information of visitors and deliver user customized content based on user specific information, such as browser type, screen type and resolution and so forth. None of the information gathered is shared with third parties.
Other possible uses for the information that we collect includes internal tracking, review, or is used for contacting purposes and then is archived by us for future usage. We also use the information we collect to provide custom content for our user base.
LINKING TO OTHER SITES
LenderOffender contains links to other sites. Such sites are operated by external, third-party service providers. Some of these sites will have their own separate membership processes and privacy policies. LenderOffender has no control over sites that are operated by others and therefore cannot be responsible for the information and privacy practices of these other sites. We encourage you to check the Privacy Policy and Terms of Use of any site before offering any of your personally identifiable information. This privacy statement applies only to the LenderOffender.com website.
THE SECURITY OF YOUR INFORMATION
LenderOffender is committed to protecting the privacy of your personal information. We have instituted electronic and procedural safeguards to store and maintain your information in a secure environment. You may be required to use a password to access certain pages on our website where certain types of your personal information can be changed or deleted. It is therefore important for you to protect against unauthorized access to your password and emails which we may send to both you and your computer. We cannot guarantee that the preventative measures we put in place today can protect your information from future threats. Furthermore, we are not in a position to guarantee that your information will be secure under all circumstances.
Although LenderOffender follows generally accepted industry standards to protect the personal information submitted to us, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we commit to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on the LenderOffender website please email us.
CHANGES TO OUR PRIVACY POLICY
LenderOffender may update this policy from time to time as our information practices are modified or changed. We will notify you about significant changes in the way we treat personally identifiable information by placing a prominent notice on our website for a period of not less than thirty (30) days prior to the change. We encourage you to periodically review this page for the latest information on our privacy practices.
CONTROLLING LAW
This Privacy Policy is established pursuant to the laws of the State of California and the United States of America. By using our website, you agree that your personally identifiable information may be collected, stored, and used in conformance with those laws and this Privacy Policy without regard for the law operative in the jurisdiction or country in which you reside.
TERMS OF USE
We have published a Terms of Use and that Agreement is incorporated within this Privacy Policy as if fully set forth herein.
QUESTIONS
If you have any questions regarding the LenderOffender Privacy Policy, please contact us by email or write us at:
LenderOffender, LLC
39252 Winchester Road
POB #107-107
Murrieta, CA 92563
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