Agreement & Acknowledgement
Change notification to LoanElf.com Privacy practices
Personally Identifiable Information
At times we will combine and collect PII or Personally Identifiable Information in addition to non-personally identifiable information via a number of sources in addition to the ones we have discussed below. PII stands for data which is collected with the intention of identifying, locating our contacting a person which may include but is not limited to his or her SSN (social security number), your first and last name, zip code, address, driver's license, phone number, work number, date of birth, time of birth, job title, employer's address, employer's name, ABA/ routing number, IP address, pay dates, compensation, name of your bank, direct deposit, loan amount needed, net income each month and computer specifications. Non-PII data is not used to identify, locate, or contact an individual which may include but is not limited to IP address, gender, zip code and age etc.
OPT-IN / OPT-OUT
Our affiliates and or also our third parties hold the right to promote services and products via telephone, and email to all consumers who have willingly requested to be contacted via our site's application opt-in process also through our Opt-in process by our affiliate sites or third party vendor. Our list members will get telephone contacts or emails until they want to discontinue receiving such information.
We offer the option whereby listed members can also be removed from our contact list whenever they need, no questions asked. In order to get yourself off our information database in order to not to receive communications in the future, you can do any one of the things stated below
However, you need to keep in mind that certain activities on our website is limited to people whose information we do not have. Your email address and your phone numbers that we get via an opt-out request is added to our Do-Not contact list within ten days of receipt.
If we do not hear from you we assume your consent in the way of receiving communications from our company, affiliates and third party vendors.
If any one of our members choose to be removed from the company's contact list, this request will need to be forwarded to the specific vendor or an affiliate who has provided the List Member's information to us so that the member's contact information can be put into the Do Not Contact category. However, you need to remember that if your information was previously purchased via a third party affiliate or vendor we may not be the only company who has purchased your information. Also any affiliate or third party could have purchased this information from yet another third party and so you may still continue to get contacts from those companies. LoanElf.com does not bear any responsibility for stopping all unsolicited emails from beyond sources under our control
LoanElf.com is a CAN-SPAM complaint company.
LoanElf.com will not knowing collect any info from kids that are under the legal age of 18. We do not collect information from kids regardless of what happens or what the purpose may be which also includes for promotional and marketing purposes. If you have become aware that a kid of which you are a parent or guardian of has made available private information via our point of contact then we urge you to contact us immediately so that we can delete this information from our records.
Collection and Usage of General Information
Information in regards to your computer's hardware and the software that runs on it is also collected by LoanElf.com and could be shared in aggregate with other third parties whose services we use for mostly traffic analysis. Computer related information will include your browser type, IP address, referring website address, access times, domain names etc. This information will help to improve the information and quality of service provided by LoanElf.com. We do not use a third party database to update or correct the information you submit regardless of the reason.
Cookies are small pieces of data which are stored on a person's hard drive which contains information about them. However, the usage of a cookie is not in any way lined to personally identifiable information when on our website. If you reject the cookie you are still able to view our website but without being able to access to certain features of our website. Our cookies are also used to track as well as target people with things they are interested in which enhances their experience on our website. The cookies which are served i.e. persistent and session based are tied into the Personally Identifiable Information that we provide you with.
LoanElf.com contains a few links to a different websites mostly consisting of third parties. However, we urge you to be aware because LoanElf.com is not responsible for other websites and their privacy practices. We ask our users to be aware when leaving our website to always read the privacy statements of every website which collects information from them. This present privacy statement applies just to the information which is collected by LoanElf.com even in instances where other sites may be in frame with ours. We may also choose to co-brand a few services with third parties as well as affiliates. It will become clear from the point of collection exactly who is collecting this information and what the privacy statement governs. Let's take for instance without having to limit forgoing, we will co-brand with credit reporting agencies, automotive companies and insurance brokers.
A number of security technologies are employed which help to protect the personal information of visitors to our website from unauthorized use, disclosure and access. An example of this is that we will store personal information that you provide on our computer systems in places which has limited access often located in very controlled facilities. When highly confidential information is transferred over the internet we ensure to protect it with the use of Secure Socket Layer encryption protocol.
LoanElf.com cannot fully ensure that all private communications and also the personally identifiable info we have will not be disclosed in other ways which is not described in our Privacy Agreement. For instance we may be forced to go ahead and disclose information to other third parties or the government under certain situations. Third parties could also unlawfully work to intercept our private communications.
However, suffice to say that if you chose to opt-out from any future contact with LoanElf.com via the opt-out mechanism given in every email sent to you on behalf of third party services provides and LoanElf.com, your email address will be provided to the third party service provider so that this service provider can put your name and your contact information on their own DNC (do not contact) list.
LoanElf.com reserves the right to be able to disclose all or some member information in situations termed as "special cases" i.e. when we have reasons to believe that the disclosure of this information is imperative to contact, identify and to bring legal action to anybody who is causing interference and injury. LoanElf.com also fully reserves the right to be able to disclose visitor / member information in good faith when the law needs it.
By law we are required to disclose personally identifiable information or when we believe that this disclose is needed in order to protect our rights or to comply with judicial proceedings, legal process or court order.
Information Sharing with Affiliates
When you put in a request for a quote or information you are in fact granting LoanElf.com or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your LoanElf.com account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.
Information Sharing with our Co-Branded Partners
A few of the services on LoanElf.com have been co-branded with our contracted partners. Our co-branded offerings can be identified directly via quote request form for the service or product you choose prior to actually submitting the request. In instances where the co-branded service or product provided has been identified the personally identifiable information you enter in will be given directly to the provider via their website and does not come to LoanElf.com. The service or product provider will then control the data once they have it, which can be used for tracking and identification by sharing it with LoanElf.com.
Personal information can be used in order to provide services which you have requested this includes customized advertising and content. This is in addition to any fee which of which you have been notified by your provider as standard messaging rates which apply in order to confirm and also all SMS correspondence later on. You have the option to either Opt out to remove your SMS info by simply sending "STOP", "QUIT", or "END" to the text message you get. Once your SMS info has been removed from our database we will not be able to be used for secondary purposes or disclosed to our third parties.
Registry Compliance shouldn't be contacted
By submitting your personal contact or your financial information you are granting written permission for us, our affiliated sites and our business partners to get in contact with you via mail, telephone, or even email. Then by registering at LoanElf.com you are willfully consenting to get phone calls from us, our business partners and affiliated sites which are not just limited to lenders who will contact you in regards to a loan.
Information pertaining out our former customers are treated in the same way as our current customers.
Security And Confidentiality
We mainly restrict all types of access to nonpublic information about individuals to all but a few employees that need to have this information to provide services and products. We also maintain electronic, procedural and physical safeguards which are compliant with federal standards in order to guard against your nonpublic information from all unauthorized access and use.
The work of maintaining accurate information tends to be a responsibility we need to share. We work to maintain the information's integrity that is provided to us and as notified we will update all our records. Please contact us via the address and the phone number below when you want to change or update your information.
Service and Site Updates
LoanElf.com sends service announcement and site updates. Our members will not be able to just unsubscribe from our service announcements which will contain important information in regards to the service. We will also communicate with users in order to provide those requested services pertaining to issues via phone when needed.
Update / Correct Information
If you need to verify the data which we have gotten from you previously, like to make corrections or even disable the usage of personal info, then please contact us or log into the account area on LoanElf.com
PRODUCTS AND SERVICES
You understand and agree that LoanElf.com is not a lender and is not the creditor for or issuer of the products featured on the Site. Any products or services advertised at this site or made available to you after you receive a financial product from an issuer are by and remain the sole responsibility of the respective product vendors and service providers.
LOAN REQUEST ACCEPTANCE POLICY
Your receipt of an electronic or other form of order confirmation does not signify any acceptance of your loan request, nor does it constitute confirmation of any offer to fund. LoanElf.com reserves the right at any time after receipt of your loan request to accept or decline your loan request for any reason. LoanElf.com may require additional verifications or information before accepting any loan request. LoanElf.com is not responsible for requests that cannot be funded or unsuccessful funding requests arising from an applicant’s ineligibility to qualify for the funding opportunity.
You must be 18 years or older and be a legal resident of the US, Canada, or the United Kingdom to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.
COMPLIANCE WITH LAWS
The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by LoanElf.com, its licensees, or other third parties who have authorized use of such properties on the Site.
LoanElf.com grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of obtaining a loan.
LoanElf.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of LoanElf.com. Except as expressly provided on this Site, nothing contained on this Site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.
LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES
LoanElf.com uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. LoanElf.com makes no representations regarding the use or results of any content on the Site as to its accuracy, reliability or any other matter.
NEITHER LoanElf.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. These exclusions and limitations are applied to the fullest extent permitted by law.
THIRD PARTY CONTENT
The Site may contain links to sites maintained by third parties. LoanElf.com is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.
LoanElf.com utilizes secure technology to protect your personal information. Although LoanElf.com has taken reasonable measures to provide for the security of certain information that you submit to the Site, LoanElf.com cannot guarantee that this information will not be intercepted or decrypted by others. LoanElf.com accepts no responsibility for such interception or decryption.
LoanElf.com is not your agent, nor is it the agent of the issuer of any payday loan or any supplier with respect to your decision to obtain a payday loan or other financial offering. LoanElf.com may receive compensation for third parties for goods, facilities or services that LoanElf.com provides to third parties under separate contact. Such goods, facilities or services may or may not relate in any way to your use of the Site. You agree to any such compensation arrangement whether or not related in any way to your use of the Site.
LAW AND VENUE
By using the Site, you agree to indemnify and hold LoanElf.com, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.
INFORMATION FOR ISPs:
Please note that for questions pertaining to your loan application status, you must contact your assigned lender directly. LoanElf.com cannot access information about your loan approval status due to lending privacy regulations.
LoanElf.com is not a lender and does not make loans or credit decisions. LoanElf.com provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. LoanElf.com does not endorse any particular service provider, lender, or loan product. You are under no obligation to use LoanElf.com’s service to initiate contact with, apply for credit from, or accept any loan product from any service provider or lender. This service is not available in all states.
There is no fee for you to submit a loan request at LoanElf.com. LoanElf.com is not a lender and does not provide lending services. Based on the information you submit, LoanElf.com will search its vast network of authorized lenders in order to match you with a lender that may be able to serve your needs.
If your loan request is accepted by a lender, you will be redirected to an e-signature page on the lender’s website. All fees and rate information charged by the lender should be disclosed to you at that time. You should carefully and thoroughly review the fees and rate information provided by the lender before agreeing to the terms of the loan or signing any documents. You are under no obligation to accept the terms.
If you decide the loan terms provided by the lender are acceptable and wish to proceed, you may e-signature the document evidencing your agreement with those terms. Upon signing, you will enter into a legally binding contract with the lender and will be responsible for all costs and risks associated with the contract. Your contractual obligations are to the lender, and not to LoanElf.com. Please remember that the loan fees and interest rates you agree to are determined solely by the lender and not LoanElf.com.
Cash advances (including payday loans) are intended as short-term financial relief and are not long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. You are encouraged to consult the Rates and Fees page of this website to learn more about the risks involved with cash advances. You also should review local laws and regulations governing cash advances and explore possible alternatives to a short term loan.
LoanElf.com is not available in all states. LoanElf.com specifically does not offer or solicit cash advances in Arizona, Arkansas, Georgia, Massachusetts, New York, Pennsylvania, West Virginia, Virginia, Ohio or in other states where prohibited by law. Prohibited states may change at any time and without notice to you. As between you and LoanElf.com, all such interaction is deemed to have taken place in the state of California regardless of where you access the website.
LoanElf.com does not guarantee that your loan request will be accepted by an authorized lender or other service provider. If you are offered a loan, LoanElf.com does not guarantee that the fees and rates will be acceptable to you or that your loan will be funded. All decisions relating to your loan are the lenders’ decisions, not LoanElf.com’s.
In most cases, lenders and other service providers will not require credit scores from the three major credit reporting bureaus (Experian, Equifax, and TransUnion). Most lenders and other service providers will perform credit checks through alternative providers such as Teletrack, DP Bureau or others. These types of non-traditional credit checks usually will not affect your credit score. By submitting your loan request, you consent to the use of alternative credit checks by LoanElf.com, its network of lenders and their service providers.