What information is collected?
When you fill out a form on this website we collect certain information about you which is required to verify your identity, determine whether you qualify for funding, and to access your account to deduct automatic payments. The information collected may include your name, the name of your business, email address, and some general information regarding the type of business you are in and its annual revenues.
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How do we use your information?
By providing us with the required information in the form you fill out on our page you are granting LTLoans.com and our trusted business partners and service providers access to it. We may share your basic information including your name, company name, phone, email address and the requested funding amount with one of our business partners.
Any information you provide to us may be used in one of the following ways:
- To process transactions (Your information, whether public or private, will not be sold or otherwise transferred to any other company or third party without your consent, other than for the express purpose of delivering the product or service you have requested);
- To send periodic emails about our products and services, or the products and services of one of our trusted third-parties;
- To improve our customer service.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include sharing your information with trusted third parties for the purposes of operating our website, conducting our business, or fulfilling your requests for products and services so long as they agree to keep your information confidential. We may also release your information to comply with the law, enforce our site policies, or protect our or others rights, property, or safety. Non personally identifiable information may be provided to other parties for marketing, advertising, or other purposes.
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California Online Privacy Protection Act Compliance
We have taken the necessary steps to comply with the California Online Privacy Protection Act. We therefore do not distribute your personal information to outside parties without your consent.
Children’s Online Privacy Protection Act Compliance
We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website, products and services are directed to people who are at least 13 years of age and older. When notified of a user who is not over the age of 13, we will take remedial measures to remove that individual from our user database.
How is the information I provide to you protected?
We have implemented a number of security measures to protect the safety of your information including the use of firewalls and 128-bit Secure Sockets Layer (SSL) protection. However, "perfect" security does not exist on the Internet and even though we use all reasonable precautions to protect your information, we disclaim any liability for any injury due to a security breach that compromises your personal information. In the event of a security breach you will be promptly notified and we will take all reasonable actions to remedy the breach in a timely manner.
How can I opt out or unsubscribe?
LTLoans.com and our business partners may contact you to offer you products and services that may be of interest to you. If you would rather not receive these emails, telephone solicitations, or other forms of contact from us or our partners, please send an email to info@LTLoans.com with the words "Unsubscribe" or "Opt-Out" in the subject line. You may also opt out by sending a letter to:
LTLoans.com ATTN: Unsubscribe
RevUp Media International, LLC
Gallery Plaza, 103 Ave de Diego, San Juan, PR 00911
You must include your full name, business mailing address, and email address in this letter. After we receive this information we will locate your contact information based on what you had provided to us and will remove it from our database and mailing lists.
- Write an email to info@LTLoans.com
- send us a letter to:
RevUp Media International, LLC
Gallery Plaza, 103 Ave de Diego, San Juan, PR 00911
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 email 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. 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 LTLoans.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to LTLoans.com, 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 will be passed on to the lender that you are matched with on LTLoans.com.
OPT-OUT / OPT-IN
We, our affiliate(s) and/or third parties may also promote product and service offerings via email, 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 www.LTLoans.com/unsubscribe. Or contact us at info@LTLoans.com.
Please note that participation in certain activities on our Site may be limited if personally identifiable information is not submitted for the user. Email 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 the 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, LTLoans.com 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. LTLoans.com is not responsible for stopping all unwanted contact from sources beyond our immediate control. We are a CAN-SPAM compliant company.
LTLoans.com 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 info@LTLoans.com, and we will delete the information about the child referenced from our files.
GENERAL INFORMATION COLLECTION AND USE
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.
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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 LTLoans.com to disclose: (1) How LTLoans.com responds to "Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit LTLoans.com.
LTLoans.com 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. LTLoans.com does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to LTLoans.com. LTLoans.com 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 LTLoans.com.
LTLoans.com contains links to other sites belonging to third parties. Please be aware that LTLoans.com 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 LTLoans.com 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.
Finally, LTLoans.com 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) LTLoans.com's rights or property, other visitors, members, or anyone else that could be harmed by such activities. LTLoans.com 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 LTLoans.com or affiliated third parties. We share the contact and loan request data you submit on the quote request form and LTLoans.com 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 LTLoans.com to fulfill services or is a company owned in whole or in part by LTLoans.com or RevUp Media International, 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, email address, etc.) is shared with LTLoans.com.
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 apply 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.
DO NOT CONTACT REGISTRY COMPLIANCE
By submitting personal contact and/or financial information, the user hereby grants written permission to LTLoans.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or email. Further, by registering at LTLoans.com you are consenting to receive phone calls from LTLoans.com, 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 users to provide requested services and in regards to issues relating to the account via email 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 LTLoans.com, or contact us at: info@LTLoans.com.
RevUp Media International, LLC
Gallery Plaza, 103 Ave de Diego, San Juan, PR 00911
LTLoans.com understands the importance of protecting consumers' personal information and the proper use of their personal information. It is our policy to not send unsolicited emails to consumers and we hope the following information will eliminate any concerns that your company may have regarding our practices with respect to consumers' personal information.
LTLoans.com 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 email communications sent by us to consumers include information about the origin of the email and include easily identifiable instructions on how consumers can unsubscribe from receiving future email messages from us.
We hope this information satisfies any questions or concerns you may have as an ISP regarding our email practices. If you have additional questions or wish to discuss the matter further, please contact us at info@LTLoans.com.