NLB Financial, Inc. Privacy Policy
Thank you for visiting PayLessLoans.com
We are pleased to provide you this Privacy Policy to inform you of our practices with respect to the collection and use of information about visitors to our website. By using this site, you consent to the following terms incorporated by reference into our Terms of Use Agreement which also may be found by link at the bottom of any page on the Site.
Our Pledge To You: One of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in us collecting or sharing certain types of information about you. We explain how we use customer information in this Privacy Policy. We invite you to state your choices where indicated. We will honor your selections.
What Information Do We Collect? When you visit our website you may provide us with two (2) types of information: personal information about yourself that you knowingly choose to disclose that is collected on an individual basis, and website use information collected on an aggregate basis as you and others browse our website.
Personal Information You Choose to Provide. You may voluntarily provide us personally identifiable information. If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We also retain your contact information that you provide.
Similar to other commercial websites, our website utilizes a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server logs to collect information about how our website is used. Information gathered through cookies and web server logs may include the date and time of visits, information about how the Internet is accessed, authorized access of private areas of our website, the pages viewed, time spent at our website, and the websites visited just prior to coming to and just after departing our website. It is impossible for us, or anybody else, to see your Internet usage beyond that scope with the limited methods we employ. As a matter of Company policy and for the sake of limiting storage costs, all web log files are compiled into usable statistics each month, and then destroyed.
What Are Cookies? A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.
How Do We Use Information We Collect from Cookies? As you use our website, the site uses its cookies to differentiate you from other users. Cookies, in conjunction with our web server’s log files, allow us to calculate the aggregate number of people visiting our website and which parts of the site are most popular. This helps us gather feedback in order to constantly improve our website. Cookies do not allow us to gather any personal information about you, and any personal information that you provided to us is never stored in your cookies.
How Do We Use the Information That You Provide to Us? Broadly speaking, we use personal information for purposes of enhancing or modifying our site, administering and expanding our business activities, or responding to inquiries. Occasionally, we may also use the information we collect to notify you about important changes to our website or new developments. Please see "Email Communication" below.
Sharing Information with Third Parties We only share information about our customers with members of our corporate family or companies outside our corporate family that perform services on our behalf. We share data provided by you, such as purchase and account data, credit history data, verifying data, and the like. We do not share information about our former customers with companies outside our organization for them to contact you for their own marketing purposes. We do not share, sell, distribute, or in any other way communicate ANY personally identifying information collected on the Site with ANY third parties, except as authorized by you, as above. Your email addresses, and other personally identifying contact information is maintained in the strictest confidence.
How Do We Protect Your Information? How Do We Secure Information Transmissions? All electronic commerce transactional information, such as credit card authorization for credit reports and the social security numbers that accompany them, is secured by latest 256-bit encryption over secured socket layer (SSL) transmissions, in adherence to international PCI (payment card industry) compliance standards for data security. All credit card data is stored in counterparts in separate locations and is only accessed for authorized purposes by a trusted small number of principal employees. All transport of data from remote servers to local processing machines is handled by encrypted connections such as FTP over SSH.
Please keep in mind that very few email relays utilize transport layer security (TLS) and therefore email is not recognized as a secure medium of communication. You should not send private or confidential information to us about yourself, such as sensitive personally indentifiable information like social security numbers or credit card numbers, by email. Always use the provided SSL encrypted secure area of our site to transmit such information found in our Application Area.
Certain Disclosures We may disclose your personal information if required to do so by law or subpoena or if we believe that such action is necessary to (a) conform to the law or comply with legal process served on us or parties affiliated with us; (b) protect and defend our rights and property, our Site, the users of our site, and/or our affiliated parties; and/or (c) act under circumstances to protect the safety of users of the site, us, or third parties.
What About Other websites Linked to Our website? We are not responsible for the practices employed by websites linked to or from our website nor the information or content contained therein. Often links to other websites are provided solely as pointers to information on topics that may be useful to the users of our website. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link on our website, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding.
Email Communication You may be contacted with offers of new products, information about rates and programs, services, or training opportunities for up to 36 months after your contact information had been originally acquired. We honestly try to limit the frequency of contact, though some categories of information (such as interest rate changes) require routine daily or more frequent updates. On every email communication with offers of new products, services, or training, you have the ability to be removed from our list of contacts with a single click in accordance with California State law. You are also afforded the ability to remove yourself from routine email contact by reply email, and by telephone at our toll-free number.
Questions and Updates If you have any questions or suggestions about our privacy practices, or you wish to update or correct any personally identifiable information that you have chosen to provide us, please feel free to contact us via form email under "Update Information " on the Contact page.
Policy Changes If we change our privacy Policy and procedures, we will post those changes on our website to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. The Privacy Policy you just read is the most current policy which may have been in force for a limited amount of time prior to publication. We reserve the right to make modifications to our Privacy Policy at any time for any reason without specific notice to you.
Your Consent By using our website you consent to our collection and use of your and your clients' personal information as described in this Privacy Policy.