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Privacy Policy
Privacy
policyOverview
4thisloan.com
is committed to protecting and respecting your privacy. Indeed, protection of
your data is one of the key success criteria by which we measure our
performance..
This document
discloses the privacy practices for 4thisloan.com including:
- What personally identifiable
information of yours is collected
- What organization is
collecting the information
- How the information is used
- With whom the information may
be shared
- What choices are available to
you regarding collection, use and distribution of the information
- What kind of security
procedures are in place to protect the loss, misuse or alteration of
information under E-consultancy's control
- How you can correct any
inaccuracies in the information.
Questions
regarding this privacy policy should be directed to 4thisloan.com via our email
Table
of Contents
- Under 18s
- Information We Collect
- Our Use of Your Information
- Our Disclosure of Your
Information
- Your Use of Other Users'
Information
- Control of Your Password
- Reviewing and Changing Your
Personally Identifiable Information
- Other Information Collectors
- > Security
- Changes to Privacy Policy
1.
Under 18s
Children
are not eligible to use our services and we ask that minors (under 18 years
of age) do not submit any personal information to us.
2.
Information We Collect.
Our primary
goal in collecting personal information from you is to provide you with a smooth, efficient, and personalized experience
while using our services. This allows us to provide services and features that
most likely meet your needs, and to customize our service to make your
experience easier and quicker.
To fully use our services, you will
need to register using our online registration form , where you will be required
to provide us with your contact information (e.g. e-mail address) and some
other information relating to your professional employment (e.g. name of the
company you work for, your position there). We automatically track certain information about you
based upon your behavior on our site. We use this information to do internal research on our users'
demographics, interests, and behavior to better understand and serve our users.
This information is compiled and analyzed on an aggregated basis.
Using the Site's web server log files,
we use IP addresses to analyze trends, track users' movement, and gather broad
demographic information for aggregate use. IP addresses are not linked to
personally identifiable information. This information may include the URL that
you just came from (whether this URL is on our site or not), which URL you next
go to (whether this URL is on our site or not), what browser and operating
system you are using, your IP address etc.
In addition, we use cookies
on certain pages of our site. We may also offer certain features that are only
available through the use of a cookie. Cookies can also help us provide
information which is targeted to your interests. Cookies are stored on your
hard drive, not on our site. Most cookies are "session cookies,"
meaning that they are automatically deleted at the end of a session. The other
type of cookie we use is a 'persistent' cookie. This stays on your hard drive
and we use this to automatically identify who you are. We use this cookie so
that you do not need to log in manually every time you visit the site if you
are a registered user. The cookie itself contains no personally identifiable
information but it does pass an ID to our server which allows us to tie the cookie
to your personal information. We do this to allow us to let you know on the
homepage what has changed on the site since your last visit. We also use the
cookie to track how often you visit the site so we know who our most loyal
users are. You are always free to decline our cookies if your browser permits,
although in that case you will not be able to use certain features on our site.
For example, if you disable cookies, you will need to log in manually each time
you visit the site as we cannot use a cookie to remember who you are. Some of
our business partners (e.g. net-filter.com; hitbox.com) use cookies on our
site. These are used to monitor site performance and to measure site traffic
and usage. We have no access to or control over these cookies. This privacy
statement covers the use of cookies by E-consultancy only and does not cover
the use of cookies by any advertisers.
Surveys &
Contests. From time-to-time our site may request
information from users via surveys, contests or for a particular service (e.g.
newsletter). Participation in these surveys or contests is completely voluntary
and the user therefore has a choice whether or not to disclose this
information. Information requested will include contact information (as
supplied to the site during registration) and supplementary information on your
professional interests, opinions and preferences (e.g. choice of software,
working practices, opinions on industry issues, feedback on the 4thisloan.com
web site). We will use the contact information to notify winners. We will not
publish winners' details on the site though on request we will provide details
of any winners' name and organization. If the survey or contest has a sponsor
then we will share information given by entrants with the sponsor.
Payment Processing.
In order to process payments online we require the billing address for the
credit card used and our external payment provider, PayPal,
requires your credit card details. For details of how your information is used,
please see following section.
3. Our
Use of Your Information.
We use personally identifiable information about you to improve
our marketing and promotional efforts, to statistically analyze site usage, to improve our
content and product offerings and to customize our site's content, layout, and
services. We believe these uses allow us to improve our site and better tailor
it to meet our users' needs.
We use your e-mail address
to send you newsletters or other communications (for example, digests of the
forum posts) that you have requested from the Site. Out of respect for our
users we offer an opt-out (see 4. below).
We use information in the file we maintain about you, and other information we
obtain from your current and past activities on the Site, to resolve any
disputes, troubleshoot problems and enforce our User Agreement. At times, we
may look across multiple users to identify problems or resolve disputes, and in
particular on rare occasions we may evaluate your information to look for users
using multiple User IDs or alias.
Payment Processing . We take online
payments for our subscription
and membership services. We use PayPal
as our external payment provider. In addition to the information outlined
above, we require the billing address of the credit card you use so that we can
pass this to PayPal who check the address against the
cardholder's details for security purposes. We store these billing details on
our servers in case we need to contact you in the future regarding payments. PayPal requires that you provide your credit card details
to process the transaction. This is done on a secure PayPal
server using SSL (secure sockets layer). As you go through the transaction
process we let you know when you are about to be transferred to PayPal's servers for the secure transaction. These pages
have the look and feel of the E-consultancy site as we use the PayPal templates to keep as much of the E-consultancy
branding as possible but you are actually on the PayPal
servers and the information you submit goes to PayPal.
After the transaction has been authorized you are returned to the E-consultancy
site. E-consultancy does not have any access to these credit card details and
they are not stored or processed in any way by E-consultancy. In the case of a
suspected fraudulent transaction, card details may be disclosed to
E-consultancy by PayPal for the sole purpose of
performing further checks. E-consultancy is not permitted to then retain these
details. These details are stored securely by PayPal
in order to process future payments you may make, but PayPal
does not use your information for any other purpose.
Your Personal Information is stored in our databases, which are located in the
4.
Opt-Out of Email Communications
If at any
stage you wish no longer to receive any e-mails that you receive from the site
you can stop them by emailing info@4thisloan.com .
5. Our
Disclosure of Your Information
Unfortunately,
due to the existing regulatory environment, 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 Policy.
By way of example (without limiting the foregoing), we may be forced to
disclose information to the government or third parties under certain
circumstances, or third parties may unlawfully intercept or access
transmissions or private communications. We can (and you authorize us to)
disclose any information about you to law
enforcement or other government officials as we, in our sole
discretion, believe necessary or appropriate, in connection with an
investigation of fraud, intellectual property infringements, or other activity
that is illegal or may expose us to legal liability.
As a general proposition, we do not
sell or rent any personally identifiable information about you to any third
party.
Advertisers.
We do aggregate
personally identifiable information and disclose such information in aggregate
to advertisers and for other marketing and promotional purposes. However, in
these situations, we do not disclose to these entities any information that
could be used to personally identify you.
4thisloan.com
community. Throughout the Site, you are identified by
your User ID, which is thereby disclosed to other users and third parties. Your
User ID can be used to identify you and your activities throughout the Site.
Other people can see your rating, your postings on the Site, and so on. We also
provide others a number of ways to allow other users to find more out about you
and your site activities if you give them permission to access this
information. Please be aware that if you post personal information online that
is accessible to the public, you risk receiving unsolicited messages from other
parties in return. 4thisloan.com cannot be liable for any such communications.
Legal Requests.
4thisloan.com cooperates with law enforcement inquiries and other third parties
to enforce laws, intellectual property and other rights. Local,
and international law enforcement agents can request and may receive your
personally identifiable information.
Suppliers and Other
Service Providers. From time to time we use third party
Suppliers and Service Providers to facilitate our services. Where any Service
Provider collects information directly from you (such as the situation where we
ask a Service Provider to conduct a survey for us) you will be notified of the
involvement of the Supplier or Service Provider, and all information
disclosures you make will be strictly optional.
8.
Control of Your Password
Except as specifically permitted by this section, you may not disclose your
4thisloan.com password to any third parties nor share it with any third
parties. If you lose control of your password, you may lose substantial control
over your personally identifiable information and may be subject to legally
binding actions taken on your behalf. Therefore, if your password has been
compromised for any reason, you should immediately change your password by
visiting the preferences page on the Site.
You may, however, disclose your password to certain third parties with whom
4thisloan.com has entered into specific contractual and technical arrangements
designed to safeguard your password, in order to enjoy the benefits of those
third parties' services in relation to the 4thisloan.com services.
9.
Reviewing and Changing Your Personally Identifiable Information
You can at any time review and change the
information you submitted during registration by visiting the control panel
where you can log in anytime using the sidebar in the website
You must promptly
update your information if it changes. Once posted, you cannot
change or remove any public postings made in our forums or other message areas
or the feedback area.
You can at any time ask to see and
have removed any information that we have stored on you, though we reserve the
right to charge for this service. Please contact
Carlo Caparras if you would like your personal
information removed. We will retain in our files information you have requested
to remove in some circumstances, such as to resolve disputes, troubleshoot
problems and enforce our User Agreement. Further, such prior information is
never completely removed from our databases due to technical constraints and
the fact that we back up our systems. Therefore, you should not expect that all
of your personally identifiable information will be completely removed from our
databases in response to your requests that it be removed.
10.
Other Information Collectors
Except as
otherwise expressly discussed in this Privacy Policy, this document only
addresses the use and disclosure of information we collect from you. To the
extent that you disclose your information to other parties, whether they are
other members of the Site or other sites throughout the Internet, different
rules may apply to their use or disclosure of the personal information you
disclose to them.
11.
Security
In order to
process and protect your credit card details, our payment provider PayPal
uses SSL (secure sockets layer) encryption. The secure server is hosted by PayPal
and not 4thisloan.com.
On the E-consultancy site we use best endeavor to safeguard the confidentiality
of your personal identifiable information but we do not use encryption (such as
SSL) or firewalls to further protect the information as it travels across the
Internet. This is because we do not believe that, apart from the credit card
information processed by PayPal, the personal
information we currently collect warrants such measures and the accompanying
loss of speed experienced. You should be aware that "perfect
security" does not exist on the Internet.
12.
Changes to Privacy Policy
If
we are going to use your personally identifiable information in a manner
different from that stated at the time of collection we will notify you via
email, prior to making such changes. You will have a choice as to whether or
not we use your information in this different manner. In addition, if we make
any material changes in our privacy practices that do not affect user
information already stored in our database, we will post a prominent notice,
before changes go into affect, on our web site notifying users of the change.
In some cases where we post the notice we will also email users, who have opted
to receive communications from us, notifying them of the changes in our privacy
practices.
