Please read this information carefully and print a copy and/or retain this information for future reference. Introduction. You are submitting a request to be matched with one of our third party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records
You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.
CashCrunch.net is Exclusive Digital Media, LLC, which is a limited liability company chartered pursuant to the laws of the state of Florida. By Your use of this website you consent to the laws and jurisdiction of the state of Florida as it relates directly or indirectly to your use of this website.
ACKNOWLEDGEMENT AND AGREEMENT
NOTIFICATION OF CHANGES TO OUR PRIVACY PRACTICES
PERSONALLY IDENTIFIABLE INFORMATION
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to social security number, first name, last name, address, Zip Code, city, state, length of stay at address, whether you rent or own, your e-mail address, driver's license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer's phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired. 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. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to Zip Code, gender, age, or IP address.
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While CashCrunch.net is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to CashCrunch.net, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information is passed on to that lender that you are matched with on CashCrunch.net.
OPT-OUT / OPT-IN
We, our affiliate(s) and/or third parties may also promote product and service offerings via e-mail, sms-text message, or telephone to consumers who requested to be contacted either through our Site's online forms Opt-in process or through an Opt-In process on our third-party vendor or affiliate sites ("List Members"). List Members will receive emails, sms-text messages, or telephone contacts for as long as they wish to continue to receive such contacts.
List Members can be removed from our contact lists at any time with no questions asked. To remove your information from our database to not receive future communications or to no longer receive our service, go to CashCrunch.net/unsubscribe. Or contact us at the email address below:
Please note that participation in certain activities on our Site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) days following receipt. Unless we hear from you, we will assume you consent to receiving communications from us and our third-party vendors and affiliates.
If a List Member chooses to be removed from our contact list, if applicable, we will also forward this request to the specific third-party vendor or affiliate who provided List Member's informational request to us so that the List Member may be included on the third-party's Do-Not-Contact registry as well. Please bear in mind that if your information was purchased commercially from a third-party vendor or affiliate, CashCrunch.net may not be the only purchaser of your information. Additionally, any third-party vendor or affiliate may have purchased your contact information from an additional third-party and thus you may continue to receive contacts from those third-party companies. CashCrunch.net is not responsible for stopping all unwanted contact from sources beyond our immediate control. We are a CAN-SPAM compliant company.
CashCrunch.net does not knowingly collect information from children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us at the email address below, and we will delete the information about the child referenced from our files.
GENERAL INFORMATION COLLECTION AND USE
Information about your computer hardware and software is automatically collected by CashCrunch.net and may be shared in aggregate with third parties whose services are used for traffic-analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring website addresses. This information is used by CashCrunch.net to maintain and improve the quality of the service and to generate statistics regarding use of the CashCrunch.net site. CashCrunch.net does not use third party databases to correct or update the information you submit to us for any reason.
A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site; however, without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information you provide.
With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.
CashCrunch.net contains links to other sites belonging to third parties. Please be aware that CashCrunch.net is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by CashCrunch.net even in cases where we may frame another site with our own. From time to time, we may co-brand certain services with third-party vendors and affiliates. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and, automotive companies.
We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
We 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 Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, or third parties may unlawfully intercept or access transmissions or private communications.
In addition, as noted above, if you opt-out of future contact from CashCrunch.net by using the opt-out mechanism provided in each e-mail we send to you on behalf of a third- party service provider other than CashCrunch.net, we will provide your email address to the third-party service provider so that the third-party service provider can add your name and contact information to its own Do-Not-Contact list.
Finally, CashCrunch.net reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) CashCrunch.net's rights or property, other visitors, members, or anyone else that could be harmed by such activities. CashCrunch.net also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Site.
SHARING INFORMATION WITH AFFILIATES
When you submit your request for information or quote, you are granting permission to be contacted by CashCrunch.net or affiliated third parties. We share the contact and loan request data you submit on the quote request form and CashCrunch.net account number information with affiliated companies such as, but not limited to, banks, commercial lenders and licensed loan brokers to fulfill information requests we receive from you; to provide you with superior service; inform you of product and service opportunities that may be of interest to you; and for other business purposes. We may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage and life insurance agencies; title service companies; debt & credit services companies; and auto-finance companies. An "affiliate company" is a company under legal contract with CashCrunch.net to fulfill services or is a company owned in whole or in part by CashCrunch.net or Exclusive Digital Media, LLC.
SHARING INFORMATION WITH CO-BRANDED PARTNERS
Some of the services offered on our website are co-branded with contracted partners. Co-branded offerings will be identified directly on the quote request form for the product or service you choose prior to you having to submit the quote request. Where a co-branded product or service provider is identified your Personally Identifiable information will be provided directly to that provider's website. The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, address, phone, e-mail address, etc.) is shared with CashCrunch.net.
We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates request to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP," "END," or "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
FOR CALIFORNIA RESIDENTS
On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like CashCrunch.net to disclose: (1) How CashCrunch.net responds to "Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit CashCrunch.net.
CashCrunch.net does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. CashCrunch.net does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to CashCrunch.net. CashCrunch.net does not permit third parties to collect PII about an individual consumer's online activities over time and across different Web sites when a consumer uses CashCrunch.net.
DO NOT CONTACT REGISTRY COMPLIANCE
By submitting personal contact and/or financial information, the user hereby grants written permission to CashCrunch.net, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at CashCrunch.net you are consenting to receive phone calls from CashCrunch.net, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan.
We treat information about our former customers in the same manner as we treat information about our current customers.
CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.
Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.
SITE AND SERVICE UPDATES
We will send the user site and service announcement updates. Members are not able to unsubscribe from service announcements, which contain important information about the service. We also communicate with user to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.
CORRECT / UPDATE INFORMATION
If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please log into your account here on CashCrunch.net, or contact us at: email@example.com
CHOICE OF LAW AND CHOICE OF FORUM
INFORMATION FOR ISPs
Company Name: Exclusive Digital Media, LLC
1732 S Congress Ave.
Palm Springs, FL 33461
CashCrunch.net understands the importance of protecting consumers’ personal information and the proper use of their personal information. It is Our policy to not send unsolicited e-mails to consumers and we hope the following information will eliminate any concerns that Your company may have regarding Our practices of consumers’ personal information.
CashCrunch.net and its affiliated sites use only an “opt-in or opt-out” method of obtaining customer information. All personal information from consumers is obtained voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.
All e-mail communications sent by us to consumers include information about the origin of the e-mail and include easily identifiable instructions on how consumers can unsubscribe from receiving future e-mail messages from us. Below is an example of e-mail communications sent by us to subscribers.
This e-mail is not sent unsolicited. This is a CashCrunch.net emailing. Offers are sent to subscribers ONLY.
To be removed from Our list, click here.
ISPs view Our policies.
We hope this information satisfies any questions or concerns you may have as an ISP regarding our e-mail practices. If you have additional questions or wish to discuss the matter further, please contact us at firstname.lastname@example.org.
In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third party services). These companies may deliver ads that might also place cookies and otherwise track user behavior.
We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.
You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by editing your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. For further information regarding the privacy practices of our advertisement provider, please visit http://www.google.com/privacypolicy.html
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed herein. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. When you submit your request for information or quote, you are granting us permission to share your PII and Non-PII, including the contact and loan request data you submit with affiliated third parties, including affiliate companies and co-branded partners; you are also granting us permission to be contacted by us or our affiliated third parties, including affiliate companies and co-branded partners. Affiliated third parties include, but are not limited to, banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. An "affiliate company" is a company under legal contract with us to fulfill services or is a company owned in whole or in part by us. A “co-branded partner” is a contracted partner with whom we work to provide co-branded services on our website. We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. We do not permit third parties to collect PII about an individual consumer's online activities over time and across different Web sites when a consumer uses our site.