This Privacy Policy (the “Policy”) applies to the LoanSpot - Payday Loans Online & Borrow Money App android mobile application (the “Service”). It tells users (“you”) of the Service and the services it provides about the information collected by the Service and how the Service uses and shares this information.
LoanSpot application collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its apps or services.
While using LoanSpot, it may ask you to provide with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Drivers License Number, Drivers License State
Work Company Name, Employed Months
SSN
Monthly Income
Bank Name, Bank Account Number
Home Phone, Work Phone, Cell Phone.
Cookies and Usage Data
When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data (“Usage Data”).
We use cookies and similar tracking technologies to track the activity in our Service and hold certain information.
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
LoanSpot collects Personally Identifiable Information when you provide it through your use of the Service, such as by completing one or more stages of an online application (an “Application”) requesting a loan offer from a lender participating in LoanSpot’s lender network (a “Lender Partner”) or by sending questions to LoanSpot via the Service. The types of Personally Identifiable Information LoanSpot collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
The types of non-Personally Identifiable Information that LoanSpot collects (either directly, through the use of “cookies”, or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information an app or a website sends to your computer while you are viewing a content to remember who you are without personally identifying you.
LoanSpot may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of app statistical and trend analysis. This information is not linked to any Personally Identifiable Information.
LoanSpot mobile app may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Service. These companies may use tracking technologies, including cookies, to collect information about users of the Service who view or interact with these advertisements. LoanSpot does not provide Personally Identifiable Information to these third parties.
We may use third-party Service Providers to monitor and analyze the use of our Service.
The app does use third party services that may collect information used to identify you.
Link to privacy policy of third party service providers used by the app
LoanSpot uses the Personally Identifiable Information you provide through the Service in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from LoanSpot service Lender Partners, other third party lenders, LoanSpot’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the app; enforce LoanSpot’s terms and conditions perform any other functions otherwise described to you at the time LoanSpot collects the information.
LoanSpot mobile app may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom LoanSpot has a business relationship. LoanSpot may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.
LoanSpot service may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom LoanSpot has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, LoanSpot may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom LoanSpot has a business relationship.
Any third parties with whom LoanSpot shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once LoanSpot has transferred or shared it with those third parties as described in this Policy or the LoanSpot Terms and Conditions.
LoanSpot will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. LoanSpot will disclose your Personally Identifiable Information when LoanSpot believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of LoanSpot’s parent company, its employees, its app users, or others; or to enforce the Terms and Conditions or other agreements or policies.
In addition, LoanSpot may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.
LoanSpot may provide links or automatically redirect you to third party websites that do not operate under this Policy. You should review the privacy statements and terms of use of all third party websites you access. These third party websites may independently solicit and collect information from you. On occasion, those third party websites may provide LoanSpot with information about your use of those sites.
The Service’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at LoanSpot’s sole and absolute discretion. Changes to this Policy will be posted on the Service and LoanSpot will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Service. If LoanSpot makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, LoanSpot will notify you by prominently posting notice of the changes on this page.
The Service is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. LoanSpot does not knowingly collect Personally Identifiable Information from children under the age of 18.
LoanSpot has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information LoanSpot collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No application, website or Internet network can be completely secure. Although LoanSpot takes steps to secure your information, LoanSpot mobile app does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
If you would like to review and/or request changes to the Personally Identifiable Information that LoanSpot mobile app has collected about you through your use of the app, please contact LoanSpot by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. LoanSpot has elected the second option, and you may opt out by completing one or more forms on our Opt Out page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.
LoanSpot - Payday Loans Online & Borrow Money App
shinymakes@gmail.com