The Loan Sheet Privacy Policy

The Loan Sheet LLC, (“The Loan Sheet”) owns and operates the Web site located at the URL theloansheet.com, and portions of other Web pages and Web content through which you have accessed this Privacy Policy (collectively, “theloansheet.com”). By visiting, using and/or submitting information to Theloansheet.com, you are accepting the practices described in this Privacy Policy and the terms and conditions of The Loan Sheet’s Agreement of Terms of Use located at the URL theloansheet.com/termsofuse(the “Terms of Use”).
The Loan Sheet takes your privacy seriously, and has published this Privacy Policy to explain how The Loan Sheet treats all information you may submit to theloansheet.com. 

Collection of Personally Identifiable Information
Many of the features of theloansheet.com are available to you without your providing personally identifiable information. Personally identifiable information generally includes information that could be used to determine your identity, such as your name, address, phone number, e-mail address, and birth date. The following are certain situations in which The Loan Sheet may collect personally identifiable information from you:

Information We Collect

We collect personally identifiable information that can identify you such as your name, address, telephone number, mobile number, e-mail address and Social Security Number (“Personally Identifiable Information” or “PII”).

How We Collect and Use Information

  1. How We Collect Information You Provide
  1. From You. We collect Information you provide to us: (a) in connection with inquiring about or obtaining our services;
  2. Other Sources. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. We do not pull a credit bureau report on customers without their permission.
  3. Automatic Collection, Cookies and Other Internet Technologies. We may use cookies, web beacons and other standard internet technologies to collect information from your computer and about your activities on our website. We automatically collect Non-PII from your browser when you visit our website. This information includes, but is not necessarily limited to, your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us and the referring website address.
    1. Cookies. A cookie is a small text file that is stored on a user’s computer for record keeping purposes.
      1. When you visit our website, we may assign your computer one or more cookies to facilitate access to our website, personalize your online experience and record information about your visit. Through the use of a cookie, we also may automatically collect information about your online activity on our website, such as the web pages you visit, the links or advertisements you click on and other actions you take while on our website. The cookies do not store any PII about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that some of the features and services of our website may not function properly.
      2. We may allow third-parties, advertising companies and ad networks (“Advertisers”) to display advertisements on our website. Advertisers may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements. Our website does not provide any PII to these Advertisers, but they may collect information about where you, or others who are using your computer, saw and/or clicked on the advertisements they delivered, and possibly associate this information with your subsequent visits to the advertised websites. They also may combine this information with personal information they collect directly from you. The collection and use of that personal information is subject to the particular Advertiser’s privacy policy. Some of these Advertisers may be members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies. For a list of Advertisers we typically use, click the link above.
    2. Other Technologies. We may use web beacons and other standard Internet technologies to track your use on our websites. Web beacons (also known as clear gifs, pixel tags, targeting and re-targeting pixels, third party pixels or web bugs) are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of web users or to access cookies. We also may include web beacons in e-mail messages or newsletters to determine whether messages have been opened and acted upon.

 Financial Information.

Depending on the service requested, we may use financial information to: match you with lenders and lending services, provide you with lenders’ conditional loan offers, verify your identity, protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.

You expressly agree to The Loan Sheet’s use of your personally identifiable information as set forth in this Privacy Policy and the Terms of Use.

Disclosure of Personally Identifiable Information

Services Providers. We may share your personal information with our authorized service providers that perform certain services on our behalf including, but not limited to service providers that perform services on our behalf in connection with your request for a loan or the funding, sale and/or servicing of your loan. These third parties include, without limitation credit bureaus, lending platforms, or lenders.

Lenders or Investors. In submitting a request for a loan product or service offered through this website, when you click on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you signify your agreement to proceed and are consenting, acknowledging and agreeing to the disclosure of your PII with lending platforms or lenders in our network with whom you are or may be matched. Please note that no credit check will be performed by us unless you authorize us to do so by submitting a completed loan request. However, even if you do not provide your Social Security number, our lending partner may access your credit file to assist in the prevention of identity theft and to verify your request is accurate and complete.

Be aware that the Lenders with whom you are matched may retain or use your Information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from ours.

Subscriptions/Unsubscribe. When you “submit” information, register for a service, or create an account through TheLoanSheet.com, we may send your information to its lenders and associated third parties as provided in the Terms of Use. In addition, you agree to notify The Loan Sheet by info@theloansheet.com directly if you no longer want to receive other forms of communications from us. However, you will need to speak directly to those lending partners with whom you have been matched as well as associated third parties to ensure proper removal and adherence to their individual Privacy Policies.

 

Newsletters and CAN-SPAM Compliance
TheLoanSheet.com sends only verified, double-opt-in e-mail newsletters, specifically requested by The Loan Sheet subscribers. Subscriptions to The Loan Sheet.com newsletters are verified by sending an e-mail confirmation to your e-mail address, which requires a positive response before an e-mail address is added to The Loan Sheet’s list. The Loan Sheet is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003.

 

Please be advised that The Loan Sheet does not itself provide Loan Products, Services, Brokering or Customer Service related to any application submitted by you, or any other related products and/or services.  The ultimate terms and conditions of any Loan Products and Information provided by any Loan Providers will be determined by those Loan Providers.

Please note: by submitting your personal information, your information is being provided by you freely.  You further agree to receive marketing offers from us or third-party marketers, that we or they may believe may be of interest to you, and you expressly consent and agree to be contacted through but not limited to the following methods: (a) direct mail marketing; (b) e-mail marketing; (c) telemarketing calls (where permitted by applicable law); (d) SMS text-based messages (where permitted by applicable law); and (e) any other manner contemplated herein. By using this Website, you agree that you may be contacted in any manner contemplated in this section, even if your number is found on a do-not-call registry or similar registry. 

We may also use personal information for website administrative customer service, to provide our visitors with information which may be requested, to customize visitor experiences on the Site, and for internal business purposes, such as analyzing and managing our business.  Third parties may be used to assist in the operation of this Site or to administer activities on our behalf. 

Notwithstanding the foregoing, The Loan Sheet reserves the right (and you authorize The Loan Sheet) to share or disclose your personally identifiable information when The Loan Sheet determines, in its sole discretion, that the disclosure of your personally identifiable information is necessary to identify, contact, or bring legal action against you if you are or may be violating this Privacy Policy or The Loan Sheet’s terms of use; if you are interfering with another’s rights or property, including, without limitation, The Loan Sheet’s rights or property; you are violating any applicable law, rule or regulation; necessary or required by any applicable law, rule or  regulation; and/or requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency.

Personally identifiable information and other personal information collected from you may also be transferred to a third party as a result of a sale, acquisition, merger, reorganization, other transfer or bankruptcy (a “Transfer”) involving The Loan Sheet and/or its affiliates. The Loan Sheet specifically reserves the right to transfer personally identifiable information collected from theloansheet.com, and any of its databases, together with any personally identifiable information contained therein, to a third party in connection with a Transfer, and nothing in this Privacy Policy is intended to interfere with the ability of The Loan Sheet to transfer all or part of its business and/or assets (including theloansheet.com) to an affiliate or independent third party at any time, for any purpose, without any limitation whatsoever.

In addition, due to the existing regulatory environment, The Loan Sheet cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), The Loan Sheet may be forced to disclose personal information to the government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications. Therefore, although The Loan Sheet uses industry standard practices to protect your privacy, The Loan Sheet does not promise, and you should not expect, that your personally identifiable information or private communications will always remain private.

Security
Personally identifiable information you submit to The Loan Sheet is password-protected for your privacy and security. In certain areas The Loan Sheet uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises The Loan Sheet security measures, The Loan Sheet will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate such information.

Links to Other Web sites
theloansheet.com may include links to other third party Web sites. Such links are not an endorsement by The Loan Sheet of those Web sites and/or the products or services offered there. Third party Web sites may have different privacy policies and The Loan Sheet is not responsible for the privacy practices of those third party Web sites. If you click on a link to a third party Web site, The Loan Sheet encourages you to check the privacy policy of that Web site, as it may differ substantially from that of this Privacy Policy.

Access and Use of theloansheet.com
theloansheet.com is intended to be accessed and used only by adults and is not directed to children under the age of 18. The Loan Sheet does not knowingly permit registration or submission of personally identifiable information by anyone under the age of 18.

Changes to this Privacy Policy
The Loan Sheet reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information The Loan Sheet collects from you online is subject only to The Loan Sheet’s most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. Your continued access and use of theloansheet.com following the posting of any such changes shall automatically be deemed your acceptance of the same.

Questions or Concerns
If you have questions, comments, concerns or feedback regarding this Privacy Policy, send an e-mail to , or you can reach us at:

The Loan Sheet LLC

Compliance

1149 Tice Place

Westfield, NJ 07090

Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.
The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.
All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by The Loan Sheet from time to time, shall survive your acceptance of this Privacy Policy.
This Privacy Policy and the Terms of Use represent the entire understanding and agreement between you and The Loan Sheet regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.