PRIVACY POLICY
At borrowersmart.com, we are sensitive to issues concerning your privacy. We believe that it is important that you understand how we treat the information that we receive from you. We created this Website Privacy Policy ("Privacy Policy") in order to ensure the confidence of visitors to this Website (the "Site"), and to demonstrate our commitment to fair practices and the protection of privacy. This Privacy Policy has been developed with the recognition that Internet technologies are rapidly evolving, and that underlying business models still may not be established or mature. Accordingly, this Privacy Policy is subject to change at the sole and unilateral discretion of borrowersmart.com. ("borrowersmart.com" or the "Company"), at any time with or without advance notice. Any such changes will be posted on this Site. Any such change, update or modification will be effective immediately upon its posting on this Site.
Types of Information Collected:
Traffic Data
Personal Information
Collection and Use of Personal Information of Prospective borrowersmart.com Borrowers and Merchants
Collection and Use of borrowersmart.com. Employment Applicant Personal Information
Children's Privacy
Confidentiality and Security of Personal Information
Other Limits to Your Privacy
Traffic Data
We collect two types of information: Traffic Data and Personal Information. We automatically track and collect the following information when you visit our Site: your (i) IP address; (ii) domain server; (iii) type of computer; and (iv) type of web browser (collectively, "Traffic Data"). Traffic Data is anonymous information that does not personally identify you but is helpful for marketing purposes or for improving your experience on the Site. For example, we use this information for statistical purposes, such as measuring the average time spent on the Site and the pages viewed on the Site. We also use "cookies" (small pieces of information that are stored by your browser on your computers hard drive) to help provide additional functionality to the Site and to help us accurately measure usage of the Site. In all cases in which cookies are used, your Personal Information will not be collected unless you expressly agree to provide it. Most browsers are initially set to accept cookies.
Personal Information
Personal Information is defined as any information concerning the personal or material circumstances of an identified or identifiable individual. An identifiable person is one who can be identified, directly or indirectly, by reference to an identification number or to one or more factors specific to his physical, physiological, mental, economic, cultural or social identity. Personal Information shall include, but is not limited to: Social Security Number, name, address, telephone number, financial statement and similar identifying information. We also may refer to your Personal Information to better understand your needs and how we can improve our products and services. We may use your Personal Information to contact you. We will not sell or otherwise transfer your Personal Information to any third party. If you communicate with us via e-mail, post messages to our Site, or otherwise complete on-line forms, surveys or contest entries, any information provided may be collected as Personal Information.
We do not collect Sensitive Personal Information. Sensitive Personal Information includes but is not limited to: information pertaining to racial origins, religious beliefs, and sexual orientation.
Collection and Use of Personal Information of Prospective borrowersmart.com Borrowers and Merchants
We will only collect Personal Information when you voluntarily submit such information to us at the Site.
If you complete an application for a registration as a Borrowers or as a Merchant with borrowersmart.com on this Site, we will use your Personal Information to comply with your request for information or in connection with evaluating your registration as a Borrower or Merchant opportunity. By applying to become a borrowersmart.com Merchant of borrowersmart.com, you consent to the collection, use, and disclosure of your Personal Information in accordance with the following:
We collect and use Personal Information in order to assist you in applying to become a borrowersmart.com Merchant, and to assist the Company in selecting borrowersmart.com Merchant candidates. Personal Information collected from Merchant applicants includes, but is not limited to: name, address, telephone number, email address, date of birth, educational background, criminal background and financial statement. This Personal Information may be shared between the Company and its affiliates, to better service Merchant applicants. Failure to provide requested Personal Information may negatively impact consideration of your application to become a borrowersmart.com Merchant. In order to better service borrowersmart.com Merchants, a borrowersmart.com Merchant's Personal Information may be shared between borrowersmart.com and its affiliates.
Collection and Use of borrowersmart.com. Employment Applicant Personal Information
We will only collect Personal Information when you voluntarily submit such information to us at the Site.
If, on this Site, you complete an application for employment with borrowersmart.com. on our Corporate staff, or request information regarding such opportunities, we will use your Personal Information to comply with our request for information or in connection with evaluating your application for an employment position on borrowersmart.coms Corporate staff. By applying to become a borrowersmart.com staff member, you consent to the collection, use and disclosure of your Personal Information in accordance with the following: We collect and use Personal Information in order to assist you in applying for a corporate staff employment opportunity with borrowersmart.com, and to assist the Company in selecting candidates for such positions. Personal Information collected from an individual applicant includes, but is not limited to: name, address, telephone number, status to work lawfully in the U.S., educational background, employment history and background, and other information pertinent to employment qualifications. Failure to provide requested Personal Information may negatively impact consideration of your application to become a borrowersmart.com employee on our Corporate staff.
Children's Privacy
borrowersmart.COM DOES NOT SPECIFICALLY COLLECT INFORMATION ABOUT CHILDREN UNDER THE AGE OF 13. WE DO NOT KNOWINGLY REQUEST, SOLICIT OR COLLECT PERSONAL INFORMATION FROM ANY PERSON WE KNOW TO BE UNDER THE AGE OF 13 WITHOUT PRIOR VERIFIABLE PARENTAL CONSENT. In the event that we receive actual knowledge that we have collected or received personal information from anyone under the age of 13 without the requisite and verifiable parental consent, we will delete that information from our data base as soon as practicable.
Confidentiality and Security of Personal Information
Except as otherwise provided in this Privacy Policy, we will keep your Personal Information private and will not share it with third parties, unless such disclosure is necessary to (a) comply with a court order or other legal process; (b) protect your rights or our property; or (c) enforce our Terms and Conditions of Use. Your Personal Information is stored on secure servers that are not accessible by third parties.
Other Limits to Your Privacy
The Site may contain links to other websites. We are not responsible for privacy practices or the content of such websites. Please understand that any information that is disclosed in these areas may become public information. We have no control over its use and you should exercise caution when deciding to disclose your Personal Information.
Effective Date and Changes
This Privacy Policy is effective as of its last update, July 2007.
© borrowersmart 2007-2011