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Agreement and Acknowledgment
Change notification to brighterloan.com Privacy practices
Information We Collect
In the course of using this Website, we may collect personal information and data to (i) present you with financial products and/or other offerings that you seek; (ii) present the contents of this Website to you; (iii) deliver services that you have requested; (iv) communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, and/or other third parties; (v) display advertising tailored to you interests or background; (iv) perform data and statistical analysis from your use of this Website; (v) enforce our Terms and Conditions; and (vi) perform any other functions otherwise described to you when you provide us with your information.. Any collection of personal information or data through this Website is performed with your consent.
Personally Identifiable Information. We may collect Personally Identifiable Information ("PII") that you directly provide to us that can identify you, including, but not limited to, your first and last name, physical address, telephone number, cellular number, social security number, email address, date of birth, driver’s license number, state of residency and information pertaining to your bank account.
Non-Personally Identifiable Information. We also collect information automatically as you navigate through this Website. We use log files and cookies to collect Non-Personally Identifiable Information ("Non-PII") including, but not limited to, the IP address of the computer or mobile device making the request, browser type and the times you access this Website and usage details. Please note that IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. Consequently, IP addresses are not linked to personally identifiable information.
Cookies. As you navigate through and interact with this Website, we may use automatic data collection technologies ("Cookies") to collect certain information, including but not limited to, information about your equipment, browsing actions and patterns, operating system, internet connection and location data. The information we collect automatically may include personal information, and we may maintain it or compound it with personal information we collect in other ways or receive from third parties. Cookies help us improve this Website so we are able to deliver a better and more personalized experience by reducing unwanted information that you might otherwise receive.
How We Use Your Information
We use the information that we collect through your interaction with this Website as well as information that you provide to us, including personal information. You might receive emails from our domains like TLM@xmr3.com & TMS@xmr3.com as well as from our partners. This information is used (i) to present the contents of this Website to you; (ii) to deliver services that you have requested; (iii) to determine whether to extend an offer to become an Affiliate or Advertiser in our Network; (iv) to communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, or other third parties; (v) for display advertising tailored to your interests or background; (vi) perform data and statistical analysis from your use of this Website; (vii) enforce our Terms and Condition; and (viii) to perform any other functions otherwise described to you when you provide us with your information.
Disclosing Your Information
As a general rule, we will not share, sell or otherwise distribute your personal information without your consent. However, we may disclose personal information that we collect or you provide as described in this Policy (i) to fulfill the purpose for which you provide your information; (ii) for any other purpose disclosed by us when you provide us your information; (iii) to third party service providers who assist us in operating this Website, conducting our business or serving our users, so long as such information is kept confidential; (iv) with affiliated entities; (v) to comply with any court order, law, legal process, and/or government or regulatory request; (vi) as part of a liquidation or bankruptcy proceeding, to a buyer or other successor in the event of a merger, reorganization, dissolution or divestiture of some or all of our assets.
Data Retention and Security
By accessing and navigating through this Website, you hereby acknowledge and agree that brighterloan.com may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.
Commitment to Online Security. brighterloan.com uses reasonable efforts to protect the security of your personal information and encrypt sensitive information such as your social security number, driver license number and bank account information. Although we strive to provide reasonable security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.
No Liability for Acts of Third Parties. brighterloan.com will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, brighterloan.com shall not be liable for unauthorized disclosure of personal information due to no fault of brighterloan.com including, but not limited to, errors in transmission and unauthorized acts of third parties.
We may collect information about you particularly your email adress from sources other than you, such as from social media websites (i.e. Facebook, LinkedIn, Twitter or others), blogs, other users and ourbusiness partners.
If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.
LINKS TO THIRD-PARTY WEBSITES
Information Sharing with Affiliates
When you put in a request for a quote or information you are in fact granting brighterloan.com or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your brighterloan.com account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.
We may send push notifications or alerts to your device. We use push information to send you notifications related to offers. At any time, you can manage your push notification preferences or deactivate these notifications at any time by turning off the notifications in the browser settings of your device.
IT IS TO BE NOTED THAT THIS CONSENT IS REQUIRED BY LENDERS WITH WHOM YOU WILL BE CONNECTED. THIS CONSENT DOES NOT BY ANY MEANS BRING THE OWNER OF THE WEBSITE INTO AN AGREEMENT (BETWEEN YOU AND OWNER) THAT IS GOVERNED BY THE COURT OF LAW. THE OWNER OF THIS WEBSITE DOES NOT GUARANTEE OR ASSURES ANYTHING AFTER THIS CONSENT COMES INTO EFFECT. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.
Please read this information carefully and print a duplicate and/or retain this information for future reference.
In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender notifies you of your rights when receiving electronic disclosures, notices, and information. By tapping on the link/ button assenting to this notice, you acknowledge that you received this E-Consent and that you consent to direct transactions utilizing electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records
You may request any Disclosures in paper by contacting the third party lender directly. The lenders will provide paper copies at no charge.
The scope of Consent
The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, advanced mobile phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact amid every single online interaction with you electronically. The lender may likewise send you notices electronically related to its interactions and transactions. Disclosures might be provided online at our or third-party lenders' websites and might be provided by e-mail.
Consenting to Do Business Electronically
Before you decide to work together electronically with the third party lenders, you ought to consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements
To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:
Your E-Consent for our third-party lenders' consideration of your coordinating request can't be pulled back because it is a one-time transaction. If you are connected with one or more third-party lenders, you are free to pull back your E-Consent with those third-party lenders whenever and at no charge. However, in the event that you pull back this E-Consent before receiving credit, you might be prevented from acquiring credit from that lender. Contact the third party lender directly on the off chance that you wish to pull back this E-consent. If you decide to pull back this E-Consent, the legal effectiveness, legitimacy, and enforceability of prior electronic Disclosures won't be affected.
Change to Your Contact Information. You should keep third-party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update via mail.
YOUR ABILITY TO ACCESS DISCLOSURES
BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.
brighterloan.com IS NOT A LENDER AND/OR LENDING PARTNER, DOES NOT BROKER LOANS, AND DOES NOT MAKE CASH ADVANCES OR CREDIT DECISIONS. THIS SITE DOES NOT CONSTITUTE AN OFFER OR SOLICITATION TO LEND. WE WILL SHARE YOUR LOAN REQUEST INFORMATION WITH ONE OR MORE MARKETPLACE PARTICIPANTS. WE DO NOT GUARANTEE THAT YOU WILL BE CONNECTED WITH A LENDER AND/OR LENDING PARTNER; ANY PARTICULAR LOAN PROGRAM; THAT YOU WILL RECEIVE A LOAN. WE DO NOT GUARANTEE THAT THE PRICE, PRODUCT, AVAILABILITY, RATES, FEES, OR ANY OTHER LOAN TERMS OFFERED AND MADE AVAILABLE BY MARKETPLACE PARTICIPANTS THROUGH THIS SERVICE ARE THE BEST TERMS AVAILABLE IN THE MARKET. NOT ALL MARKETPLACE PARTICIPANTS PARTICIPATING IN THIS SERVICE CAN PROVIDE YOUR REQUESTED LOAN AMOUNT OR THE MOST FAVORABLE REPAYMENT TERMS. YOU ARE PROVIDING EXPRESS WRITTEN CONSENT UNDER THE FAIR CREDIT REPORTING ACT FOR OUR LENDERS AND/OR LENDING PARTNERS WITH WHOM YOU ARE CONNECTED TO OBTAIN YOUR CONSUMER CREDIT REPORT FROM YOUR CREDIT PROFILE OR OTHER INFORMATION FROM CONTRACTED CREDIT BUREAU(S) ASSOCIATED WITH YOUR PRE-QUALIFICATION FOR CREDIT INQUIRY.
Eligibility Requirements. You must be at least 18 years of age (or the age of majority in your state of residence) to set up an Account. If you provide any false, inaccurate, untrue, or incomplete information in your Loan Request Form, we may immediately terminate your access to and use of the Service. It is your responsibility to keep the confidentiality of any username(s) and password(s) associated with your Loan Request Form. THE SERVICE IS NOT AVAILABLE TO RESIDENTS OF CONNECTICUT, NEW HAMPSHIRE, WASHINGTON & VERMONT OR TO ACTIVE MEMBERS OF THE MILITARY.
Loan Request Process. The Service attempts to connect Individuals who complete and submit a Loan Request with one or more Marketplace Participants. To use the Service, you must complete and submit the information requested in the Loan Request Form, which information may include (by way of example and not limitation) your name, street address, telephone number, date of birth, banking account information, desired loan amount, social security number, employment information, and any other information requested at the time of collection. Alimony, child support, or separate maintenance income need not be disclosed unless relied upon for credit. You represent and warrant that the information you provide to us through your Loan Request Form is accurate and truthful. If you do not provide such information in such manner, we reserve the right to deny, suspend, or terminate Service. We reserve the right to refuse to provide the Service to you, in our sole discretion, with or without cause.