1. PRIVACY POLICY
This Policy is an integral part of the Lendyoufunds Terms of Use ("Terms"), which are incorporated into and form a binding agreement alongside this Policy.
We extend our gratitude for your visit to the Lendyoufunds website, which can be found at Lendyoufunds (referred to as the "Website" or "Sites"). Lendyoufunds, LLC ("Lendyoufunds," "we," "us," or "our") is the rightful owner and operator of the Website. Our unwavering commitment is to safeguard the privacy of personally identifiable information ("Personal Info," "Personal Information," or "PII") belonging to our valued visitors ("visitors" or "you"). This Privacy Policy has been thoughtfully created to elucidate our practices regarding online information and the choices at your disposal concerning the usage of your information by us.
Within this Privacy Policy, we provide a comprehensive account of how we collect, acquire, use, retain, share, transfer, and process your Personal Information. Moreover, we outline your rights when it comes to determining the handling of the information we collect or maintain about you. By accessing or utilizing our Website, or engaging with Lendyoufunds to access its products or services ("Services"), you are unequivocally expressing your acceptance of this Privacy Policy in its entirety. Should you choose not to agree to this Privacy Policy in its entirety, you are not granted authorization to register or employ the Website in any capacity.
It is imperative to note that our Sites are exclusively designed for adult use, and we do not intentionally procure any Personal Information from minors. In the event that you become aware of a minor providing their Personal Information, contrary to this Policy, please promptly notify us for the immediate removal of such information. Should we become aware that a child has furnished us with Personal Information, we will expeditiously delete it. For further details, please refer to section 11, "Children."
2. NOTICE AT COLLECTION
We may gather or handle various categories of Personal Information. For detailed information on the categories of Personal Information collected and whether we engage in the sale or sharing of Personal Information, please refer to the section immediately below titled "Personal Information We Collect, Use, and Share." In summary, the types of Personal Information we may collect encompass identifiers, personal information categories found in customer records, attributes associated with protected classifications, commercial data, professional or employment-related particulars, educational data, internet activity information, technical information related to electronic network activity, sensitive Personal Information, and conclusions drawn from other Personal Information. Our retention of this information aligns with the duration necessary to fulfil the processing purpose and is in compliance with this Policy.
If you wish to make a request concerning your information or exercise your rights in accordance with applicable laws, please reach out to us through the contact methods outlined in the "CONTACT US" section below. To assert your right to prevent the sale, sharing, or use of your Personal Information for targeted advertising, please communicate your preference by sending an email with the word "NO" to [email protected].
3. PERSONAL INFORMATION WE COLLECT, UTILIZE, AND DISCLOSE
Within the scope of this Policy, the term "Personal Information" denotes data that can identify, pertain to, portray, potentially be linked with, or reasonably be linked to a distinct individual, device, or household. In the sections below, we elaborate on our handling of your Personal Information in alignment with this Policy. We delineate the types of information we may have procured, elucidate how it might be applied or shared, and denote the origins of this information.
3.1 INFORMATION PROVIDED BY YOU
We may acquire Personal Information when you choose to furnish it willingly, typically through the forms available on our Sites. This may also encompass information you disclose to our service providers or other entities acting on our behalf, particularly concerning our Services. The particulars involved may include, but are not limited to, your name, address, email address, phone number, social security number, and date of birth.
It is important to recognise that the decision to share specific Personal Information rests entirely with you. However, please bear in mind that should you opt not to provide certain Personal Information, we may be impeded in fulfilling specific objectives outlined in this Policy. Consequently, you may find yourself unable to access or utilise certain Services available on our Sites.
3.2 INFORMATION COLLECTED AUTOMATICALLY
We automatically gather and retain specific types of data regarding your utilisation of our Services. This encompasses information pertaining to your engagement with products, content, and Services accessible through our Sites. Similar to numerous websites, we employ "cookies" and other distinctive identifiers, and we procure specific types of data when your web browser or device connects to our Website and other content offered by or on behalf of Lendyoufunds on various other websites. For additional insights, please consult our "Cookie Policy."
3.3 DATA FROM EXTERNAL SOURCES
We may acquire supplementary information pertaining to you from external sources, including marketers, affiliates, partners, researchers, social networks, service providers, data service firms, and other relevant entities. The information we collect from you may be merged with data received from these third parties, as well as with data derived from any other subscription, product, or service we provide. Additionally, we may indirectly obtain Personal Data, such as from publicly accessible sources (e.g., websites or publicly accessible databases), third-party data providers, and collaborative partners. We may integrate Personal Data from various online and offline origins.
4. UTILIZATION OF YOUR DATA
We make use of your data for various business purposes, including delivering requested products and services, managing customer service functions, ensuring security and fraud prevention, conducting marketing and promotional activities, and performing website and application analytics. Below, we outline various ways we may employ the data we collect:
Support and Product Delivery: This involves providing our products and services, communicating with you regarding your use of these offerings, addressing your inquiries, troubleshooting issues, processing payments, and offering technical assistance.
Fulfilling Feature and Service Requests: We utilise collected personal data to fulfil your requests for features, products, and services. This encompasses tasks like processing payments, enhancing our platforms, customising your experience, and managing internal operations.
Analysis and Enhancement of Operations: We analyse user interactions with our products and services to better understand usage patterns, improve our offerings, develop new products, conduct surveys, and perform other research activities.
Personalisation of Content and Experiences: Personal data helps us tailor content and user experiences on our platforms.
Business Security and Protection: We take measures to secure our operations and investigate potential fraud, unauthorised access, and threats to individuals or third parties.
Corporate Governance and Internal Operations: This pertains to general business functions, legal compliance, and activities related to mergers, acquisitions, asset transfers, and restructuring.
Advertising, Marketing, and Promotions: We use data to deliver targeted ads, assess ad campaign effectiveness, send newsletters, offers, and relevant information, and contact users about our products.
Compliance with Legal Obligations: Ensuring adherence to the law, legal obligations, and responding to legal processes.
Protection of Legal Rights: Managing and responding to legal disputes, claims, and protecting our rights and interests.
Contractual Duties: When applicable, we use personal data for contractual obligations, such as for service providers or job applicants.
Assessment and Acceptance of Franchisees, Customers, or Vendors: This involves verification, due diligence, screening, and data collection related to these parties.
Enhancement of Features, Products, and Services: Personal data is used to improve our product offerings, services, and platform features.
5. SHARING OF PERSONAL INFORMATION
We may share or reveal Personal Information with third parties to fulfil the aforementioned business objectives, including our affiliates and service providers. Such sharing of your Personal Information may also occur with your consent. Prior to disclosing Personal Information to these third parties, we carefully evaluate the services they provide and require them to maintain the confidentiality and security of the information, utilising it solely for the purpose of service provision.
Our general practices for sharing Personal Information with third parties for business and commercial purposes are as follows:
With Our Affiliates, Vendors, and Subsidiaries: We may disclose your Personal Information to our corporate affiliates, including holding companies, sister entities, and subsidiaries, as outlined in the "HOW WE USE YOUR INFORMATION" section above. Additionally, we have partnerships with various vendors who assist us in our operations and may require access to your Personal Information in the course of providing services. We mandate that these vendors handle your Personal Information collected through these relationships in compliance with appropriate contractual privacy and security terms.
With Our Service Providers: We may share Personal Information with unaffiliated entities or individuals we engage or collaborate with to perform services on our behalf. These services encompass customer support, web hosting, information technology, payment processing, financing, product delivery, fraud prevention, marketing, database management, direct mail, email distribution, events, advertising, and analytics. While these service providers require access to Personal Information to execute their services, they are prohibited from using it for other purposes.
With Contractors and Third-Party Partners: Personal Information may be disclosed to unaffiliated entities or individuals we partner with to offer specific products, services, or experiences. For instance, we may share Personal Information with third parties providing financing for your services or requests. In certain cases, such as working with fraud prevention partners, we permit third parties to collect Personal Information to identify and prevent fraudulent transactions.
In Connection with Corporate Transactions: Personal Information may be disclosed or transferred during negotiations or as part of any purchase, sale, lease, merger, amalgamation, acquisition, disposal, securitisation, or financing activity.
With Professional Advisors: Personal Information may be disclosed to our legal, financial, insurance, and other advisors in connection with the corporate transactions described above or in the management of all or part of Lendyoufunds's business or operations.
To Comply with Legal Requirements: We may disclose Personal Information when we reasonably believe it is necessary to comply with applicable laws, legal processes (including requests from authorities), respond to claims, enforce our TERMS OF USE, or safeguard the rights, property, or personal safety of Lendyoufunds, our users, employees, or others.
With Your Consent or Direction: Personal Information, such as profile and communications data, may be disclosed to third parties when we have your consent or specific direction to do so.
Aggregated, Anonymized, or De-identified Data: We may also disclose aggregated, anonymised, or de-identified data that cannot reasonably identify you. Such data is maintained and utilised by Lendyoufunds solely in a de-identified manner, and we will not attempt to re-identify it unless permitted by law.
Business and Research Partners: We may collaborate with other companies and public or private organisations to provide you with products, content, or services on a joint or "co-branded" basis. In such instances, the privacy policy of the relevant partner may also apply, and in limited cases, a shared privacy policy may be in effect in addition to this Privacy Policy.
6. MANAGING YOUR PREFERENCES REGARDING "DO NOT TRACK"
The "Do Not Track" ("DNT") privacy preference is a feature available in select web browsers that allows you to opt out of website and online service tracking. It's important to note that the global standard for DNT technology is still in development, and not all web browsers support DNT. Consequently, we currently do not acknowledge or respond to all DNT signals.
7. COOKIES, ALTERNATIVE TRACKING METHODS, AND TARGETED ADVERTISING
A cookie, referred to as a "Cookie," is a small piece of data sent from the Sites and stored within a user's web browser while they browse the Sites. Each time the user revisits the Sites, the browser sends back the Cookie to the server, informing the Sites of the user's prior activities. Web beacons, also known as image tags, gifs, or web bugs, are small code snippets employed to collect advertising data, such as tracking page views, promotional views, or responses to advertising ("Web Beacons"). We also utilize pixels in conjunction with our email communications and on the Sites.
Our Sites' web servers automatically collect and may use your Cookies, Web Beacons, pixels, and other similar tracking technologies, collectively known as "Tracking Technologies," to gather information as you navigate our Sites. We employ Tracking Technologies, web server log files, tracking code, and data received through these Tracking Technologies to analyze trends, manage the Sites, monitor user activity, and collect generalized demographic data. This type of information may be combined with data from other sources for these purposes.
Certain Tracking Technologies may be implemented by third-party service providers to evaluate the effectiveness of our advertising campaigns or email communications. These Tracking Technologies may enable these service providers to place a persistent Cookie on your device, allowing them to recognize it each time you visit specific pages or emails and gather anonymous data related to those page views. The utilization of Tracking Technologies by third-party service providers falls under their jurisdiction and is beyond our control. We do not oversee their websites or their policies and practices regarding your data. Please be aware that different rules may apply to the collection, use, or disclosure of your information by third parties in connection with their advertisements, promotions, and other websites encountered on the Internet. This Policy does not encompass the use of information that may be directly collected from you by third-party service providers, and we do not undertake to verify, investigate, or regulate their practices.
You have the freedom to decide whether to accept Cookies. However, they constitute an integral aspect of our Service functionality, and declining or deleting Cookies may impact the availability and functionality of our Services. You can decline Cookies, Web Beacons, and entity tags by adjusting the relevant settings within your browser. The process may vary depending on your browser type, but many browsers provide preferences or options that enable you to either accept or decline Cookies and certain other technologies before they are installed or to remove or reject the use or installation of specific technologies entirely. For guidance on modifying your browser settings, please consult the Help menu in your browser or refer to the instructions provided by the following browsers: Internet Explorer, Google Chrome, Mozilla Firefox, Safari Desktop, Safari Mobile, and Android browser.
8. YOUR PRIVACY OPTIONS AND RIGHTS
When it comes to your data, we're committed to offering you choices and control. We provide everyone, regardless of their location, specific privacy options that allow you to determine how we contact you and how we utilize or share your information. Moreover, you have the ability to decide how certain third parties and advertisers use your data, including our practices for advertising and marketing. Residents in certain states, such as California, Colorado, Connecticut, Utah, and Virginia, are granted additional privacy rights as mandated by applicable laws. We fully adhere to state and federal regulations, and you can learn more about these rights and options in the "NOTICE TO RESIDENTS OF COLORADO, CONNECTICUT, UTAH, OR VIRGINIA" section below.
8.1 Freedom from Discrimination
In line with applicable laws, individuals are entitled to be free from unfair adverse treatment or retaliation for exercising their rights.
9. DATA STORAGE
We will keep your data for as long as necessary to provide you with our products and services, meet our financial and legal obligations, settle disputes, and enforce our agreements. As required by applicable laws, your Personal Information will be deleted or permanently erased.
10. SECURITY
Lendyoufunds employs reasonable technical, physical, and administrative security measures to mitigate the risk of data loss, misuse, unauthorized access, disclosure, or alteration of your information. However, it's essential to acknowledge that no data transmission over the Internet is entirely foolproof. While we take significant measures to safeguard your Personal Information, we cannot guarantee the complete security or confidentiality of any Personal Information you transmit to us.
11. CHILDREN
We do not knowingly collect, use, share, or sell Personal Information from individuals under the age of 16. This Site is not intended for individuals under 16 years old. If you become aware that a person under 16 has provided us with Personal Information, please contact us through the means provided in the "CONTACT US" section below or by accessing our "Contact Us" form. Upon becoming aware that we have collected Personal Information from a person under 16, we will promptly delete this information.
12. OTHER WEBSITES
Within this Site, you may discover links to websites operated by third parties, over which we have no ownership or control. We hold no responsibility for the content or practices of such websites, including how they handle your data. Their practices, including data-related ones, are governed by the privacy policy of the respective website owner. Before providing any Personal Data to these websites, it's essential to review their policies. If you have inquiries regarding their privacy practices, please contact those websites directly.
13. CHANGES TO THIS PRIVACY POLICY
We maintain the right to amend or revise this Policy at any time and for any reason. These modifications to the Policy become effective upon posting on the Sites. Should any significant changes be made to the Policy, we will inform you through a prominent notice on the Sites or by using the contact details you've provided to us. The "Updated" date at the top of this Policy will also be revised. It is your responsibility to review this Policy each time you access or use the Sites. Your continued use of the Sites acknowledges and consents to the terms outlined in this Policy, as it may be altered periodically. By visiting our Sites, you affirm that you have read this Policy, agree to the collection, use, and other processing of your information as outlined in this Policy, and acknowledge that if you disagree with any of the terms, conditions, or practices described herein, you should refrain from accessing the Sites or any of its pages.
14. NOTICE TO CALIFORNIA CONSUMERS
If you are a California resident, California law necessitates us to provide additional information regarding the collection, use, and disclosure of Personal Data. This section applies specifically to California residents.
This Notice pertains to California residents who utilise our Services and Website, complementing the rest of this Privacy Policy. Its purpose is to present our practices concerning the collection, use, disclosure, and sale of your Personally Identifiable Information ("PII") as per the CCPA and related initiatives.
14.1 Categories of Personal Information We Collect
For an in-depth explanation of the categories of PII we collect, please refer to Section 1, "Privacy Policy," and Section 3, "Personal Information We Collect, Use, Share & How We Collect It."
14.2 Categories of Information Lendyoufunds May Have Collected in the Past 12 Months
Lendyoufunds may have gathered the following categories of Personal Info within the last 12 months: (i) Identifiers: Such as name, email address, telephone number, postal address, unique personal identifier, online identifier, IP address, account name, Social Security number, driver's license number. (ii) Personal identifiers under Cal. Civ. Code § 1798.80(e): Including education, employment status, bank account information, financial information, medical information. (iii) Protected classification characteristics under California or federal law: Like age, marital status, medical condition, gender, veteran or military status. (iv) Commercial information: Such as products or services obtained or considered, or other purchasing or consuming histories or tendencies. (v) Internet or other electronic network activity: Covering browsing history and search history information. (vi) Geolocation data. (vii) Professional or employment-related history: Such as consumer-reported current or past job history. (viii) Inferences drawn from some of the information above: Such as email open rates and time. (ix) Sensitive Personal Information: Like Social Security number, driver's license number, and medical information.
14.3 Data Collection Sources for Lendyoufunds
Lendyoufunds acquires Personal Information from diverse origins, including direct interactions with consumers who engage with our Sites, as well as the subsequent categories delineated below.
Partners and Third Parties: Visitors to websites owned by our Partners may find themselves redirected to our Sites. On occasion, we may directly collect information from our Affiliate or Partner websites, while other third parties may contribute data to our Sites or facilitate data transfers. These interactions can encompass various methods such as display advertisements, click listings, inquiry forms, or telephone transfers originating from our Partners' or Affiliates' call centers. Our Advertising Partners may also supply us with data.
Service Providers: Lendyoufunds engages the services of providers to perform diverse functions, which could include validating consumer consent or verifying email addresses and phone numbers.
Authorization: We impose the requirement that all parties, whether Partners, service providers, or other third parties, assert that they have appropriately obtained the Personal Information they provide to us and hold the authority to share such information with us.
14.4 Objectives for Collecting and Using Personal Information
For a more comprehensive perspective, please refer to Section 1, "Privacy Policy," and Section 4, "How We Use Your Information." Lendyoufunds predominantly employs the Personal Information it gathers to connect consumers with Advertising Partners capable of offering information regarding the products and services inquired about by consumers.
14.5 Categories of Third Parties with Whom Lendyoufunds Has Shared Personal Information for Business Purposes
In the Previous 12 Months. In addition to sharing data for the primary purpose elucidated in our Privacy Policy, we may divulge identifiers and internet activity data (e.g., name, email address, telephone number, browsing history) to other Lendyoufunds entities, service providers, and third-party websites.
Lendyoufunds may also unveil or effectuate the transfer of such information and third-party data (e.g., identifiers, personal identifiers, protected classification information, geolocation data, and inferences) to other Lendyoufunds entities or to a third party in scenarios involving complete or partial business sales or transfers.
Moreover, Lendyoufunds may disclose Personal Information and third-party data (e.g., identifiers, personal identifiers, protected classification information, geolocation data, and inferences) to service providers assisting us in compliance and verification activities or providing services like payment processing, IT support, and data analysis.
14.6 Categories of Personal Information Sold or Shared
In compliance with California law, certain activities involving Cookies and similar Tracking Technologies might be categorized as either "selling" or "sharing" Personal Information. As a result, over the past year, we may have "sold" or "shared" the subsequent categories of Personal Information for business purposes. These purposes encompass serving advertisements, assessing the effectiveness of marketing campaigns, or gaining insights into the usage of our Websites. The recipients of this information may utilize it for their own objectives, such as improving their ability to target advertisements. As elaborated in Section 5, "Disclosure of Personal Data," Lendyoufunds might disclose or transfer Personal Information and Third-Party data, including identifiers, internet activity, personal identifiers, and protected classification characteristics (e.g., name, email address, telephone number, browsing history, education, bank information, veteran or military status, geolocation data) to Advertising Partners. The purpose of this disclosure is to empower these partners to offer consumers information regarding sought-after products and services, serve advertisements, evaluate marketing campaign effectiveness, or gain insights into the utilization of our Websites. These recipients may subsequently employ the Personal Information for their own purposes, such as refining their advertisement targeting capabilities.
14.7 Retention of Personal Information
We retain Personal Information only for a period that is reasonably necessary to fulfil the purposes for which we originally collected or obtained it. Our establishment of retention periods for Personal Information is guided by prudent business criteria. For instance, if you register on our Sites, we will maintain your Personal Information for the duration needed to manage your account, fulfil your requests, enforce pertinent terms governing your Site usage, maintain accurate records of the aforementioned activities, or as mandated by applicable law.
15. Contact Us
If you have questions or concerns about this Privacy Policy, you can contact us via e-mail at [email protected].
