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THELENDINGBUSINESS.COM PRIVACY STATEMENT
This Privacy Policy describes the terms of our commitment to your privacy.
This privacy statement discloses the privacy practices for TheLendingBusiness.com, which is owned and operated by The Lending Business LLP ("TheLendingBusiness"), and is not applicable to other sites owned by TheLendingBusiness, which maintain their own privacy statements. If TheLendingBusiness makes material changes to the TheLendingBusiness.com privacy practices, a prominent notice will be posted on this web page and the TheLendingBusiness.com home page.
The Lending Business reserves the right to update and change this privacy statement from time to time. Users should periodically review the most recent version of this privacy statement, which will be posted on this web page. Use of TheLendingBusiness.com by a user after proper notice of material changes to the TheLendingBusiness.com privacy statement constitutes user's acceptance of any such changes.
PERSONS /PARTIES COVERED
This Privacy Policy is intended to cover all visitors to this website, all subscribers to services, database or newsletters, whether paid or unpaid, all members or affiliates whether paid or unpaid, and all customers.
PERSONS EXCLUDED FROM THIS WEBSITE ARE STILL COVERED
In the event that a person excluded from this website because of the Terms of Use or from denial of service by the website, who nonetheless unlawfully views this website, that person remains subject to the terms of this Privacy Policy and is in violation of the Terms of Use.
VIEWING AND/OR USE AND/OR COMMUNICATION IS CONSTRUED AS ACCEPTANCE OF THE TERMS OF THIS POLICY
Acceptance of the terms of this Privacy Policy is a portion of the consideration required for your right to visit the website. If you do not accept these terms, you have no right to visit this site and you are unlawfully using this site.
NOTICE
The Lending Business provides this privacy statement to make users aware of TheLendingBusiness.com privacy practices, and of the choices a user may make about the way the user's information is collected and used.
Children
Users represent they are of legal age to create binding and financial obligations for any liability users may incur as a result of their use of TheLendingBusiness.com. TheLendingBusiness.com does not knowingly collect, or wish to obtain, personal data from children.
What information TheLendingBusiness.com collects
TheLendingBusiness.com allows lending firms and associated financial firms a listing in the sourcing system database and he opportunity to purchase banner ad’s. On TheLendingBusiness.com, users may order services, access database and register to receive materials. Personal information collected on TheLendingBusiness.com includes name, occupation, industry, unique identifiers (e.g., passwords), contact and billing information (e.g., email address, postal address, telephone, fax), and transaction information.
In order to tailor TheLendingBusiness's subsequent communications to users and continuously improve TheLendingBusiness.com services, TheLendingBusiness may also ask users to provide information regarding their interests, demographics, experience with its products, and detailed contact preferences.
Web beacons
TheLendingBusiness uses web beacons from time to time. Such web beacons may be provided by TheLendingBusiness's third party advertising companies to help manage and optimize TheLendingBusiness's online advertising. To opt out of targeted advertising, click here: http://www. thelendingbusiness.com. A web beacon is a string of code that provides a method for delivering a graphic image on a web page or in an email message for the purpose of transferring data, or determining how many times a specific web page has been viewed. Web beacons enable TheLendingBusiness to recognize a browser's cookie when a browser visits TheLendingBusiness.com, and to learn which banner ads bring users to TheLendingBusiness.com. For example, when a user visits a web page, the code for the page may include instructions to go to another server to gather a single pixel graphic image. Web beacons are not placed on a user's computer, and users remain anonymous.
Cookies
TheLendingBusiness uses cookies on the TheLendingBusiness.com web site. A cookie is a unique text file that may be used for data analysis, and enables a web site to tailor information presented to a user based on a user's browsing program. TheLendingBusiness may use cookies to personalize a user's pages at TheLendingBusiness.com, to remember a user when the user registers for products or services, or to track visits to TheLendingBusiness.com. If a user does not want TheLendingBusiness to deploy cookies in the user's browser, the user may set the browser to reject cookies or to notify the user when a web site tries to place cookies in the browser program. Rejecting cookies may affect a user's ability to use some of the products, features, functions, or services on TheLendingBusiness.com. Cookies are not tied to personally identifiable information.
The ads appearing on TheLendingBusiness.com are delivered to visitors by third party(s), TheLendingBusiness's current third party web advertising partner. The third party advertising technology that TheLendingBusiness uses on TheLendingBusiness.com uses information derived from a user's visits to TheLendingBusiness.com to target advertising within this site. In addition, TheLendingBusiness's advertisers may use other third party advertising technology to target advertising on this site. In the course of serving advertisements to TheLendingBusiness.com, third party may place or recognize a unique cookie on a user's browser. Information about users' visits to TheLendingBusiness.com, such as the number of times users have viewed an ad (but not users' names, addresses, or other personally-identifiable information), are used to serve ads to visitors. As with other cookies, and consistent with TheLendingBusiness's policy on cookies stated above, the user may block or delete such cookies from the user's drive or memory. TheLendingBusiness has no access or control over third party cookies.
Log files
TheLendingBusiness.com web servers may automatically log a user's IP address, domain name, browser type, date and time of access, and other log file data. This information may be used to analyze trends or administer TheLendingBusiness.com. Log files are not tied to personally identifiable information.
How TheLendingBusiness.com uses the information collected
TheLendingBusiness.com may use the personal information a user submits for any purposes related to TheLendingBusiness.com's business, including, but not limited to:
1. To understand a user's needs and create content that is relevant to the user;
2. To generate statistical studies;
3. To conduct market research and planning by sending user surveys;
4. To notify user referrals of TheLendingBusiness.com services, information, or products when a user requests that TheLendingBusiness.com send such information to referrals;
5. To improve services, information, and products;
6. To help a user complete a transaction, or provide services or customer support;
7. To communicate back to the user;
8. To update the user on services, information, and products;
9. To personalize TheLendingBusiness.com for the user;
10. To notify the user of any changes with TheLendingBusiness.com which may affect the user;
11. To enforce terms of use on TheLendingBusiness.com; and
12. To allow the user to purchase and access services, or otherwise engage in activities the user selects.
With respect to surveys, in the event that responses are publicly disclosed, users will be notified at the time they take the survey. TheLendingBusiness will disclose only aggregate information regarding its users and not personal information identifying any specific individual. Circumstances under which TheLendingBusiness would publicly disclose such aggregate information include, but are not limited to, sharing survey results with the site population, providing data to TheLendingBusiness advertisers on user preferences and/or demographics, and publicizing overall usage data in press communications.
Where surveys allow users to submit written comments, and where TheLendingBusiness advises users of the possibility of such disclosure at the time they take the survey, TheLendingBusiness reserves the right to disclose any information provided by users, provided that no personal information identifying a specific user is disclosed. Participation in surveys is at a user's option; TheLendingBusiness does not conduct mandatory surveys.
CHOICE/OPT OUT
A user makes the decision whether to proceed with any activity that requests personal information. If a user does not provide requested information, the user may not be able to complete certain transactions.
Users who use the personal information of other users agree to use such information only for:
1. Using services offered through TheLendingBusiness.com;
2. TheLendingBusiness.com transaction-related purposes and not for unsolicited commercial messages; or
3. Other purposes that the other user expressly chooses.
TheLendingBusiness.com encourages users to evaluate privacy and security policies of any TheLendingBusiness.com transaction partners before entering into transactions or choosing to disclose personal information.
Emails
TheLendingBusiness will not use or share the personally identifiable information provided to it online in ways unrelated to the items described above without first letting a user know and offering the user a choice. If a user no longer wishes to receive direct marketing materials, TheLendingBusiness will provide instructions in each of its emails on how to be removed from any lists. TheLendingBusiness will do everything commercially reasonable to honor such requests.
ONWARD TRANSFER
How does TheLendingBusiness.com share information?
TheLendingBusiness will not sell, rent, or lease a user's personally identifiable information to others, except as described in this privacy statement. Unless TheLendingBusiness has a user's permission or as required by law, TheLendingBusiness will only share the personal data a user provides online with other entities that are part of the TheLendingBusiness corporate family and/or outside financial firms who may be used to provide services, process credit cards, provide technical support, handle order processing, or otherwise act on TheLendingBusiness's behalf. These third parties are prohibited from using users' information for any other purpose, including their own marketing.
When TheLendingBusiness uses third parties to assist in processing TheLendingBusiness.com user personal information, TheLendingBusiness requests that they comply with TheLendingBusiness.com privacy practices, and other appropriate confidentiality and security measures.
Please be advised that in certain instances, it may be necessary for TheLendingBusiness to disclose a user's personal information to government officials or otherwise as required by legal obligations. TheLendingBusiness may disclose user information when responding to court orders, or legal process, or to establish or exercise legal rights or defend against claims, including fraud or infringement investigations.
Data collected online may be combined with information a user provides through other means of communication, such as postal mail or third parties to further carry out the purposes described above under the heading "NOTICE, How TheLendingBusiness uses the information collected".
When users choose to provide TheLendingBusiness with personal information, users consent to the transfer and storage of such information by TheLendingBusiness.com servers.
Marketplace Service Orders
To purchase services, users may be asked to be directed to a third party site, like PayPal, to pay for their purchase. If applicable, the third party site may collect payment information directly to facilitate the transaction. None of this information will be captured or stored by TheLendingBusiness.
Links to third party web sites
Links to third party web sites on TheLendingBusiness.com are provided solely as a convenience to the user. When a user uses these links, the user leaves TheLendingBusiness.com. TheLendingBusiness has not reviewed all of these third party sites, does not control, and is not responsible for, any of these sites, their content or privacy practices. TheLendingBusiness does not endorse or make any representations about the third party sites, or any information, services, or products found on the sites. If a user decides to access any of the linked sites, TheLendingBusiness encourages the user to read their privacy statements. The user accesses such sites at user's own risk.
Bankruptcy or Sale of business
TheLendingBusiness reserves the right to share or transfer information to a third party should TheLendingBusiness ever file for bankruptcy or in the event of a sale, merger or acquisition of TheLendingBusiness, provided such third party agrees to adhere to the terms of this privacy statement.
DATA INTEGRITY AND ACCESS
Should TheLendingBusiness.com find inaccuracies in such TheLendingBusiness.com user's information, or desire to close an account or view the information TheLendingBusiness may have regarding the user, the user may contact TheLendingBusiness through the communication methods described below, or when technically feasible, directly on TheLendingBusiness.com . TheLendingBusiness.com will make commercially reasonable effort to respond to requests for access within thirty (30) days of receiving requests. TheLendingBusiness may decline to process users' access or update requests to their personal information if the requests require disproportionate technical effort, jeopardize the privacy of other users, or are impractical.
SECURITY
To prevent unauthorized access or disclosure, maintain data accuracy, and ensure the appropriate use of information, TheLendingBusiness implements physical, electronic, and managerial procedures to safeguard and secure the information TheLendingBusiness collects. TheLendingBusiness uses encryption when collecting or transferring sensitive data. However, TheLendingBusiness does not guarantee that unauthorized third parties will never defeat measures taken to prevent improper use of personal information.
Internal access to users' non-public personal information is restricted to TheLendingBusiness.com 's administrators and individuals on a need-to-know basis. These individuals are bound by confidentiality agreements.
User passwords are keys to accounts. Use unique numbers, letters, and special characters for passwords and do not disclose passwords to other people in order to prevent loss of account control. Users who share their passwords are responsible for all actions taken in their accounts. Notify TheLendingBusiness.com of any password compromises, and change passwords periodically to maintain account protection.
ENFORCEMENT
In the event TheLendingBusiness becomes aware that the security of TheLendingBusiness.com has been compromised or user non-public information has been disclosed to unrelated third parties as a result of external activity, including but not limited to security attacks or fraud, TheLendingBusiness reserves the right to take reasonable appropriate measures, including but not limited to, investigation and reporting, and notification to and cooperation with law enforcement authorities.
If TheLendingBusiness becomes aware that a user's personal information has been disclosed in a manner not permitted by this privacy statement, TheLendingBusiness will make reasonable efforts to notify the affected user, as soon as reasonably possible and as permitted by law, of what information has been disclosed, to the extent that TheLendingBusiness knows this information.
If a user has comments or questions about TheLendingBusiness.com's privacy statement, please click here
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