Personal Lending Group
Responsible Lender Policy:

 

 

Our Commitment:

We have a responsibility to you, our customers, to be open and honest, to treat you fairly, and to be safe and secure.

These principles affect everything we do. The way we lend money is no exception.
That’s why we are committed to being a responsible lender. This page tells you about our approach. It also outlines what we ask of you in return. If you have any queries, please don’t hesitate to ask.

This is what you can expect from us:

•    Products and lending criteria designed to meet your needs;
•    Competitively priced products which we promote in a balanced way showing the risks as well as the benefits;
•    Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions;
•    An assessment of your ability to make regular payments and repay the loan, using appropriate credit assessment techniques, before providing credit;
•    Where the loan limit is solely at our discretion, we will take into account your current and previous financial activity;
•    A limit on your borrowing that we believe will ensure you don’t overextend your finances;
•    Your personal information treated confidentially and in accordance with applicable legislation;
•    Prompt and professional handling of any queries or complaints you may have; and
•    Considerate treatment of payment issues and arrears

We ask that you:

•    Provide accurate and complete information on your application;
•    Regularly assess your borrowing and other financial commitments and, if you expect to face payment difficulty in the future, or if you are having difficulties in managing your monthly payments, contact us so we can discuss any help/assistance available;
•    Understand the terms and conditions on which the money is borrowed, seeking further information and help if needed; and
•    Ensure you have the means to repay the loan

Disclosure Statement

•   Personal Lending Group does not broker loans and does not make and/or fund any product offerings, loans, or credit decisions. This web site and the content within do not constitute an offer or solicitation to lend. This web site will securely submit the information you provide to a lender. Providing your information on this web site does not guarantee approval for a product offering.
•   We only refer consumers for loan in the following states: AK,AL,AZ,CA,DC,FL,IN,LA,MA,MD,MI,MO,NC,NE,NM,NY,OH,OK,PA,SD,TX,VA.
•   For details, questions, or concerns regarding your application, please contact your lender directly.

We take our ethical responsibilities and your privacy seriously. We have a strong commitment to providing excellent service to all our customers and visitors of this Web Site, including respecting your concerns about privacy. This Privacy Policy discloses how we collect, protect, use and share information gathered about you on our website. If you use this site you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our website and enhance your experience on the Internet. Therefore, in compliance with industry standards and regulations enforced typically by the Federal and State Governments, we abide the following privacy policy.

Browsing

This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. We may use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

Information We Collect and It’s Uses

We collect your personal information if you decide to purchase one of our products or retain our services, participate in our affiliate marketing program, subscribe to our newsletter, complete an application form, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute the requested transaction, provide you with a particular service, and/or to further enhance your account. At anytime, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number and, if you purchase one of our products or services, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address, employment information, and certain credit card and loan account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing.

In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we will use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us.

We may also use the information we collect about you in order to, but not limited to:

  • Learn more about your interest in the products or services we offer and provide you with information
  • Enroll customers who desire our services
  • Open customer files and establish their accounts
  • Provide customer service
  • Negotiate settlement of our customers’ debts (according to the terms and conditions of their written agreements)
  • Learn how to improve our products or services
  • Provide opportunities for our Associated Vendors and other companies to inform you about the products or services they offer that may interest you
  • Share aggregated statistical data with our business partners or for public relations.

For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35.

Aside from the ways mentioned above, we may use your personally identifiable information in many other ways, including sending you promotional materials, and sharing your information with third parties so that these third parties can send you promotional materials. (By “promotional materials,” we mean communications that directly promote the use of Web sites, or the purchase of products or services.). However, you may “opt-out” of certain uses of your personal information.

Disclosure of Information to Third Parties

We may disclose a consumer’s personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of Personal Lending Group. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, Personal Lending Group. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

Express Consent

You understand that the Express Consent you have provided us to place calls to the contact number you have provided, was obtained electronically online, in compliance with the E-SIGN Act.  We have captured information from this transaction to prove Prior Written Consent was obtained from you, via an electronic signature; specifically, we may have captured an IP Address, website pages which contain the consent language and fields, associated screenshots of the consent webpage as seen where your phone number was inputted, complete data record submitted by you ( with time and date stamp), or other identification sources. All collected information will be retained for a minimum of four (4) years from the date of the last contact with you; all collected information in furtherance of this section is protected as detailed within this Privacy Policy.  Should you wish to OPT-OUT after providing Express Written Consent to us, please follow the instructions below in the Choice/Opt-out Section.

Choice/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving these types of communications by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.

If you do not wish to have your personal information collected by any third-party that is not our agent/service provider, or wish to opt-out after providing us with Express Written Consent as detailed herein, please contact our customer service department to actively opt-out of having your personal information shared and/or rescind the Express Written Consent previously provided.

Customer Service Contact Information:

Personal Lending Group
16842 Von Karman Avenue, Suite 300
Irvine, CA 92606
Toll Free: 877-863-3565

Service Providers

We may use other third parties to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services.

These third parties are prohibited from using your personally identifiable information for any other purpose.

Securing the Transmission and Storage of Information

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the Internet.

After information reaches Personal Lending Group, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Personal Lending Group. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted)

Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about the security on our Web site, please feel free to e-mail us.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data.

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically collected data to personally identifiable information.

Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. We can at your option set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

This privacy statement covers the use of our cookies only and does not cover the use of cookies by any advertisers.

Clear Gifs (Web Beacons/Web Bugs)

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

We use clear gifs in our HTML-based emails to let us know which emails recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see the section titled “Choice and Opt-out.”

Links to Other Sites

This Web site may contain links to other sites such as our affiliates as well as third parties, which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company’s use and disclosure of your information collected on this site.

While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.

This privacy statement applies only to information collected by this Web site.

Co-branded sites

We may be co-branded with “partners and affiliates”. These business-to-business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies, which may or may not reach the standards set by our company.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Support by contacting us by telephone or postal mail at the contact information listed below.

 Customer Service

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.

Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

Supplementation of Information

In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third-party sources.

Business Transitions

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Changes to this Privacy Statement

We reserve the right to modify this privacy statement at any time. We will not jeopardize your privacy. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site. Any and all changes will be made here, to this privacy statement.

We encourage you to check our site frequently to see the current privacy statement to be informed of how we are committed to protecting your information and providing you with improved content on our website in order to enhance your online experience. Upon any material changes to the policy statement, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Contact Us

If you have any questions, comments, complaints or suggestions regarding our privacy policy or our website, please contact us at:

Personal Lending Group
16842 Von Karman Avenue, Suite 300
Irvine, CA 92606
Toll Free: 877-863-3565

Special Notification for California Residents

As a business subject to California Civil Code section 1798.83, Company must disclose, upon request, the identity of third-parties to whom Company has disclosed Your Personally Identifiable Information within the previous calendar year, along with the categories of personal information disclosed, for the third- parties’ direct marketing purposes. If you are a California resident and would like to make such a request, you may communicate your desire to do by contacting:

Personal Lending Group
16842 Von Karman Avenue, Suite 300
Irvine, CA 92606

or via email at info@personalLG.com.  We reserve our right not to respond to requests submitted other than to the contact information specified above.

Privacy Inquiries or Complaints

Company strives to keep all Personally Identifiable Information accurate and complete. You are always fully in control of the information that we maintain to service you. You can change your Personally Identifiable Information at any time and as often as necessary; you can also request that it be deleted. Information may be withheld or exempted from deletion if this is required by law or is part of a fraud investigation, or as otherwise as described above.

If you have any inquiries regarding our privacy practices, believe that we have not complied with this Privacy Policy, or would like to access and modify your Personally Identifiable Information, please contact us directly.

Pursuant to California Civil Code Section 1789.3, you are advised that the provider of the Website and related service can be contacted via mail at:

Personal Lending Group
16842 Von Karman Avenue, Suite 300
Irvine, CA 92606

or via email at info@personalLG.com.  No direct charges are imposed by the Website and related service. If you have a complaint with the services provided on the Website or wish to request further information, please contact us at the address set forth herein. If the issue is not resolved to your satisfaction, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at 1-800-952-5210.