Consumer Notice: Please note that MyBusinessLoan.com is not affiliated, connected or associated with MyBusinessLoan.com, LLC (doing business as Dealstruck).
Effective Date: October 4, 2017
Collection of Information
The main purpose of our Website is helping you to find a loan from prospective lenders participating in our direct network of loan lenders (“participating lenders”).
We collect personal information from you when you provide it to us, including by providing information to us to find you a loan, or when you contact us. This information may include, for example, name, date of birth, telephone number, mailing and home address, zip code, email address, social security number, bank account information, financial information, employment information, username, password, account number, and driver’s license number and state of issuance.
When you visit the Website, we may collect certain non-personal information from you, including your Internet Protocol (IP) address, the date and time of your visit, browser type, operating system, the specific web pages visited during your connection, the geographic area from which you visit, and the domain name from which you accessed the Website. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Website, the areas or pages of the Website that you visit, the amount of time you spend viewing the Website, the number of times you return to the Website and other clickstream data. We may also use non-personal information for statistical analysis, research, and other purposes.
However, if your browser is set to reject cookies or you manually delete cookies, you may have difficulty accessing and using some of the pages and features that are currently on our Website, or that we may put on our Website in the future.
We may also use web beacons on the Website, in our emails and in our advertisements on other websites. Web beacons are tiny graphic images that are used to collect information about your Site visit, such as the pages you view and the features you use, as well as information about whether you open and/or act upon one of our emails or advertisements. We may also collect the URL of the website you visited immediately before coming to the Website. Web beacons help us analyze our Website visitors’ behavior and measure the effectiveness of the Website and our advertising. We may work with service providers that help us track, collect and analyze this information.
We may combine the non-personal information we collect, such as through cookies and web beacons, with other information we have collected from you.
GRAMM-LEACH-BLILEY ACT NOTICE
Use of Information
If you do not wish to receive communications from us about offers and promotions, you can opt-out of receiving these communications by emailing us at [email protected] or by following the instructions in the messages you receive.
If you do not wish to receive telephone calls or text messages from us, you may opt-out of receiving these communications by emailing us at [email protected]. We fully comply with the requirements of the CAN-SPAM Act of 2003.
Please be aware that third parties to whom we direct your information, including lenders, have their own Privacy Policies, whose terms differ from ours. Please contact those third parties for information concerning their collection and use of your information.
Disclosure of Information
By disclosing your information to us through the Website and by agreeing to the Terms and Conditions, you expressly consent to any transfer of information to the parties described in this section.
You may stop using the services provided by the Website by deactivating or deleting your account.
If you deactivate your account, MyBusinessLoan will cease the disclosure of your information to third-parties. However, MyBusinessLoan will retain any of your profile or account information it has stored. You may restore your account status at any time by adjusting your profile preferences.
If you delete your account, it will be permanently deleted. MyBusinessLoan will retain the information of deleted accounts in a commercially reasonable manner and for a commercially reasonable amount of time, as determined by MyBusinessLoan, or in accordance with any applicable federal or state requirements. No third party will have access to your information, and the information will be used only for internal purposes.
Credit Implications of Providing Your Personal Information
Our participating third party lenders may verify, without limitation, your social security number and driver’s license number, or any other qualifying identification and review your information against national databases to determine credit worthiness, standing and/or capacity. Please note that multiple inquiries on the three national databases (Equifax, Transunion and Experian) may result in a lowered credit score. By submitting your information you agree to allow third party providers to verify your information and check your credit as described in their policies and terms. MyBusinessLoan does not make any credit decisions, and does not pull a credit report without your permission.
We take reasonable and appropriate security precautions to secure the personal information that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information, including the use of Secure Socket Layer (SSL) technology. While no transmission of data over the Internet is guaranteed to be completely secure, MyBusinessLoan will exercise reasonable care in providing the secure transmission of personal and non-personal information. While we strive to protect your personal information, we cannot ensure or warrant the security or confidentiality of any personal information you transmit to us.
In the event that a security breach occurs, MyBusinessLoan will notify you of such breach within thirty (30) days and describe the nature of the information believed to have been compromised, the date and time of the suspected breach, the further steps you may follow to protect your information, and the steps MyBusinessLoan is taking to prevent future breaches.
Interest Based Advertising
Because an industry-standard Do-Not-Track protocol has not yet been established, we will not change your browsing experience based on any “Do Not Track” signals that may be sent by certain browsers or selected by you.
However, you can visit www.cookiecentral.com and http://www.aboutads.info to learn more about this type of advertising and how to opt-out of this form of advertising by companies participating in the Digital Advertising Alliance (“DAA”) self-regulatory program. Note that electing to opt-out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. In addition, note that if you use a different browser or erase cookies from your browser, you may need to renew your opt-out choice. As each browser is different, please check the help section of your browser for instructions on how to remove cookies and learn about other privacy and security settings that may be available.
Information Obtained from Third Parties
MyBusinessLoan may incorporate data it obtains from third parties in order to provide our services or products. Any information obtained from third-parties will be used for the sole purpose of matching you with various lenders.
If you provide information about third parties in order to complete any form, application, or profile, we will use that information solely for the purpose for which it was provided to us.
We do not direct the Website to, nor do we knowingly collect any personal information from, children under the age of thirteen. For more information about California’s Online Privacy Protection Act (COPPA), please visit www.ftc.gov.
Third Party Websites