v.1.2 Effective November 7, 2014
This Policy tells you how we use and protect personally identifiable information collected through use of the Site and Services. This Policy covers only information that is collected through this Site and Services and no other web sites that may be linked to or from this Site or Services, and does not cover information that may be collected through software downloaded from this Site or Services; nor does this Policy apply to practices of companies that we do not control or to people we do not employ or manage.
By accepting the Policy during registration, you expressly consent to our collection, storage, use and disclosure of your personal information as described in this Policy and to all other terms herein.
B. Information Collected The following personal information about you may be collected and stored by us:
(i) we will ask for your name, phone number, email address and/or your virtual contact information, you may be asked to provide personal financial information to use some of the tools on the Site but we will not ask for credit card and/or bank account numbers and/or financial identy information to use the Site or Services;
(ii) information responsive to LoanQ Corporation surveys or applications for employment, disclosed in resumes, or requested in order to provide brochures or information about our business, employment, products or services;
(iii) transactional information based on your activities on the Site or Services;
(iv) shipping, ordering, billing and other similar information you provide to purchase or ship an item or service;
(v) community discussions, chats, dispute resolution, correspondence through the Site and Services, and correspondence sent to us;
(vi) computer sign-on data, statistics on page views and traffic to and from the Site or Services;
(vii) other technical information or data collected from Site or Services traffic, including IP address, UDID or the device ID and standard web log information;
(viii) supplemental or additional information we may request from you in the event previous information you’ve provided cannot be verified; and
(ix) information that you voluntarily provide to us.
C. Our Use of Information:
We may combine your information with information we collect from other sources to improve the Site. We do not sell or rent your personally identifiable information to third parties for their marketing purposes without your prior consent. By using the Site you authorize us to share the information you provided on the Site with LoanQ Corporation. You agree that we may use your personal information as specified in the Terms of Service, and to:
(i) fulfill the purposes disclosed when you provided your information to us;
(ii) provide, deliver, and collect payment for the services, products, and customer support you request;
(iii) review and process applications for employment;
(iv) resolve disputes, collect fees, and troubleshoot problems;
(v) prevent potentially prohibited or illegal activities, and enforce our Site- and Service-related agreements;
(vi) customize, measure, and improve our Services and the Site’s content and layout;
(vii) provide you with personalized content;
(viii) tell you about targeted marketing, service updates, and promotional offers based on your communication preferences; and
(ix) compare information for accuracy, and verify it with third parties.
Further, we may disclose personal information to respond to legal requirements, enforce Terms of Service or Site policies, in connection with a merger, sale of assets, or other similar corporate transactions, respond to claims that a listing or other content violates the rights of others, or protect the rights, property, or safety or any person.
D. Sharing Information We may also share your personal information with:
(i) members of our corporate family in section vii below and above associated with the Site to help detect and prevent potentially illegal acts and provide joint services to requesting users;
(ii) service providers, consultants or similar contractors to support or enhance the Site or our business operations, or to whom we contract in order to carry out transactions initiated by you, such as credit card processing organizations if needed;
(iii) other third parties to whom you explicitly ask us to send your information (or about whom you are otherwise explicitly notified and solicited consent when using a specific service);
(iv) law enforcement or other governmental officials, in response to a verified request relating to a criminal investigation or alleged illegal activity;
(v) persons as we in our sole discretion believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringement, piracy, or other unlawful activity;
(vi) other business entities, should we plan to merge with, or be acquired by that business entity; and
(vii) we will share the information your provided on the Site with LoanQ Corporation for marketing purposes.
E. Your Use of the Site
In order to offer the services for which you will use the Site or Services, your user ID may necessarily be displayed throughout the Site and Services and to the public. All of your activities on the Site and Services will be traceable to your user ID. Notices are sent to other community members regarding suspicious activity and policy violations and refer to user IDs and specific items. Please understand that if you link your name with your user ID, others will be able to personally identify your activities.
F. Web Site Features
However, we do not use such data in any way to create or maintain personally identifiable information on you if you do not complete the registration on the Site or Services. We will collect data on your mobile device and collect statistics on Site use. Despite our efforts, third parties may unlawfully intercept or access transmissions or private communications, and other users may abuse or misuse your personal information that they intercept.
We may or may not request you have a password. We may or may not assign a password. If we make a request, your password deserves careful thought and protection. Use unique numbers, letters, and special characters and do not disclose your password to anyone. If you do share your password or your personal information with others, remember that you are responsible for all actions taken in the name of your account. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legally binding actions taken on your behalf. If your password has been compromised for any reason, you should immediately access your profile on the Site to change your password and notify us immediately at postmaster@LoanQ.com.
Your Information You can see, review and change most of your personal information by logging into the Site or Services. If no login is available, you may request a change in you information or delete the mobile application from your device. We will not manually modify your personal information because it is very difficult to verify your identity remotely. You must promptly update your personal information if it changes or is inaccurate. Once you make a public posting, you may not be able to change or remove it. Upon your request, we will close your account and remove your personal information from view as soon as reasonably possible, based on your account activity and in accordance with applicable law. We retain personal information from closed accounts in order to comply with law, prevent fraud, collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, enforce our Site-related agreements, and take other actions otherwise permitted by law or as specified elsewhere in this Policy.
I. Modifications and Dissemination of Source Code and Changes to the Site or Services.
You may use the Site or Services as designed and intended. You may refer people to review the Site and Services and use the Site and Services as intended. You may not alter or disseminate the source code or the design of the Site or Services without express written permission of LoanQ Corporation, its successors and or assigns.
Except as otherwise expressly included in this Policy, this document addresses only the use and disclosure of information we collect from you. If you disclose your information to others, whether they are users on the Site or other sites throughout the Internet, different rules may apply.
The Site and Services are not directed to children under eighteen (18) years of age, and we do not knowingly collect personally identifiable information from such children. If you are younger than 18, please do not provide any personally identifiable information to us. If a person 18 years of age or younger has provided personal information to us, a parent or guardian of such person should contact us at support@LoanQ.com so that we can remove such personal information from our database. We reserve the right to limit participation in particular programs, offers or promotions to those over 18 years of age.
LoanQ Corporation is located in the United States, as are the servers that make the Site available. All matters relating to privacy issues are governed by the laws of the United States.
M. Policy Changes
We may amend this Policy at any time by posting the amended terms on the Site, which will automatically take effect after they are initially posted except as otherwise specified.
N. Inquiries or Complaints
You may contact us at support@LoanQ.com to request access, correction or deletion of any information we have about you, or to submit questions or complaints about this Policy.