Privacy Policy

RealisticLoans.com

Effective dates: June 14, 2011

RealisticLoans.com (also referred to as company, we, us, and our) has created this privacy policy which is meant to act as a guide for the handling of all the private data and information as stipulated herein and to express the commitment to preservation and protection of the personal details as well as additional information that is submitted to this website.

We truly value your privacy rights and as such, we know that it is important to uphold the security and privacy of your data. We employ various data gathering tools which offer accountability, transparency, and available options as far as the management of your personal information is concerned.

You can get the necessary contact details which may be utilized in the event where you elect to erase your personal data from our system.

Only permanent residents and citizens of the US are under the terms described in the privacy policy because the products and services offered through this website are designed for the people in the US. This privacy policy is created and well-aligned with the applicable laws in the US. If you choose to register on this site, you fully agree that without any qualification or limitation, all the facts of gathering, using and transmitting any of your information in accordance to the terms laid out in the privacy policy. We, therefore, advise all users to study this document to the tiniest detail and familiarize with any additional actions linked to access and usage of this site and the manner in which this privacy policy affects your overall rights as well as liabilities in the light of the law.

If you are not comfortable with or do not accept any practice of this company as well as the laid out terms and conditions which are meant to govern its operations, kindly desist from contacting this company, making any transaction, participate in the registration, or submit your information to this site.  however, in the event when you have any pressing queries related to the privacy policy or privacy practices, feel free to contact us by email or using any applicable contact channels found on the website. If you choose to reach out to us, please do so through support@realisticloans.com

THIS SITE IS INTENDED FOR USE BY PERSONS WHO ARE LEGAL PERMANENT RESIDENTS OR CITIZENS OF THE US AND HAVE ATTAINED THE LEGAL AGE. IF YOU ELECT TO ACCESS OR USE THIS SITE, EXPRESSLY AGREE THAT YOU’VE TAKEN SUFFICIENT TIME TO READ, UNDERSTAND AND WILLINGLY AGREE TO ALL THE TERMS AND CONDITIONS AS WELL AS THE PRIVACY POLICY STIPULATED BY THIS COMPANY.

The information gathered by this website

When you access this site or use the services offered, you may submit your personal information that this company may gather, store and use in accordance with the terms described in this privacy policy. Upon your registration on the website, you submit your personal information which will be collected and used with regard to all the limits stated in the privacy policy. The information gathered includes the personally identifiable information. The fact that all users provide their information freely and voluntary so that you can access the services here, you are at liberty to withhold your PII data if feel that you don’t need the services offered here. The PII information may include but in no way limited to first and last names, any contact information, and the date of birth. This company uses your banking details and SSN number to run the necessary searches as well as link you to the appropriate lender but we are reserved when it comes to sharing the data with the third party service providers unless it is necessary in order to help you get a service that you’ve requested and in line with the applicable laws and regulations.

We may also collect some information which is non-personally identifiable information (NPII)at any time when you are interacting with the website. Basically, we gather and use the NPII data for the purposes of generating and carrying out analyses regarding the usage of the site as well as studying user trends in a bid to make the platform better for our users. Please note that the NPII data may be collected even when you haven’t gone through the registration process on this website. The NPII data may encompass but never restricted to: your IP address, the type of browser used, your current operating system, timestamps and the domain names of your ISP, referral pages.

We reserve the right to share the NPII details to the third party service providers without prior notice to our users.

The usage and sharing of your PII

When you choose to use the services available here, please note that we require your PII information. We have the full understanding of the undeniable importance of your personal privacy and therefore do our best to implement the necessary precautionary measures to protect the information as required by the existing laws and regulations regarding privacy protection.

Basically, the data that you submit is used in a bid to help us fulfill your requests, provide a suitable response to your applications, and facilitate the smooth connection to third party services, products, promotions, offers related to the application in question. In addition, we may also utilize the data in an attempt to curb fraudulent activities, use it for additional purposes with your consent, and any other way that is in accordance with any applicable laws. Before using any part of your information, we first receive your authorization to use it as stipulated in this document as well as terms of use.

Upon your submission of the PII data, we utilize the information in an effort to make the process of accessing the services you’ve requested simpler from the various third-party service providers. Therefore, we may forward the information to the relevant third party providers so that you may receive the product or service you are interested in.

Part of your PII data which excludes the banking and SSN may be used on this website and/or transmitted to various third-party providers in order to offer an improved service as well as carry out technical support duties on behalf of this company. The third party entities in question are legally bound by the privacy policy and they also understand that it is unlawful to share your personal information as well as use it in any other way. It is most likely that we may regularly use the personal data to resolve disputes, enforce the agreements, troubleshoot and solve technical issues, and personalize the service on this site but only in accordance to the limits provided in this document as well as the law. Nevertheless, it is possible for us to share parts of the data you submit on this website to consumer reporting or other agencies with the relevant authorization to gather the data from a third party.

If we consider it a necessity we can at our own unlimited discretion reveal the information if the same is required for legal purposes, and also transmit the data to any relevant government agency as requested, or is we deem it necessary to:

  1. Comply with the legal requirements or facilitate legal proceedings
  2. Protect the property or rights of this company as well as our affiliated entities
  • Act in a bid to uphold national security or prevent criminal activity
  1. Protect and secure the safety of both our users as well as the public

We may share the information with a third party who may in any way take over our business through the purchase of a portion of our business, a merger or consolidation. Nevertheless, if this company is declared insolvent, whether involuntary or voluntary, the liquidator, ourselves, the receiver, the administrator, or administrative receiver may share, sell, dispose, or license the data in any of the ways as provided by the court. It’s likely that we will notify our users in the event where a third party is acquiring a substantial percentage of this company and we will do this through a notice on this website or send email notifications. If this happens, the recipients of the information in question may be in any location worldwide.

Marketing

Please be informed that this company reserves the exclusive rights to share or sell the PII information collected to advertisers in this network, third party lenders, companies or other organizations with whom we have a collaborative marketing agreement, third party marketers, information resellers, and some of these parties may forward the same data to other agencies or companies that may or may not contact you with marketing content. In addition, the data may be shared or sold to other third parties without utilizing technology methods. As such, different lists and databases may be compiled and maintained for varied reasons as deemed necessary. if you choose to opt out of any of the lists, you may achieve that goal by unsubscribing from the list at the bottom part of the page bearing the message.

This company, as well as the third party marketers, is free to use the details you submit to reach out to you with marketing content through various channels such as email, telephone, SMS, online banners, and direct mails.  Additionally, the PII you submit may be utilized to track your specific online activity across various websites albeit within the provisions of the law with an aim to learn more about your search patterns in an attempt to enrich your profile and offer you appropriate adverts as well as gather insight on your basic interests.

While this agreement may indicate the specific third parties who may have access to your private information, it’s very likely that we may have limited or no way to access their respective privacy practices. Therefore, may have limited or no influence with regard to how they choose to use your personal information. This implies that some of the third party service providers may choose to store and continue using your personal information even when you’ve shown no interest in their products or services. If you need to get further information with regard to the privacy policies as well as information sharing practices with the third parties, its best to contact them and ask for further elaboration. Similarly, you can request them to delete your personal information from their records.

Your continued use of this website is equivalent to your agreement that you are fully comfortable with the third party information sharing terms herein and you also understand the possible repercussions of allowing us to share or distribute the PII information gathered when you use this website or services found here. Among many other applicable purposes, the PII data may be utilized to help in offering you services or products based on the behavioral and demographic data.

TAKE NOTE THAT YOU MAY AVOID CONTACT FROM THIS COMPANY OR BE RECEIVING ADDITIONAL INFORMATION BY CHOOSING TO REFRAIN FROM SHARING YOUR PERSONAL INFORMATION. BUT IF YOU ALREADY SUBMITTED YOUR PERSONAL DATA ON THIS WEBSITE AND YOU INTEND TO HAVE YOUR INFORMATION ERASED FROM OUR RECORDS, YOU MAY SEND YOUR PERSONAL AND SPECIFIC REQUEST THROUGH EMAIL AT support@realisticloans.com .THE MOMENT YOU SUCCESSFULLY SUBMIT YOUR FORMAL REQUEST, REST ASSURED THAT YOUR INFORMATION IS NO LONGER GOING TO BE USED FOR PROMOTIONAL PURPOSES OR BE FORWARDED TO THE THIRD PARTY PROVIDERS. NEVERTHELESS, THIS COMPANY IS I NO WAY RESPONSIBLE WITH REGARD TO ANY FORM OF COMMUNICATION THAT MAY OCCUR FROM THIRD PARTIES IRRESPECTIVE OF YOUR OVERALL ACTIVITY ON THIS SITE.

Credit implications

The third party financial providers found on our network will get access to the personal data submitted on this website and may or may not countercheck, but in no way limited to your driver’s license number, social security number, and any additional information necessary for the loan approval process. The verification method hinted above is employed by the third party providers in an attempt to review the information you have provided and measure your credibility, capacity, and credit rating. Please be advised that if multiple credit checks are conducted through the major credit agencies, your overall credit scores may suffer a negative impact. The moment you choose to share your personal data o this site, you have authorized the relevant third party credit providers to run verification and credibility checks in accordance with their applicable terms.

Email and telemarketing

When you register on this site and as a result agree to the underlying terms of use, you hereby accept that your PII data to various third parties and you also understand that this information may be used by this company as well as the third party providers for marketing campaigns which may encompass telemarketing and email marketing.

As soon as you elect to willingly receive the various marketing campaigns, this company, as well as the various third party marketers, is at liberty to commence the usage of the PII information excluding your banking and SSN information for the purpose of direct as well as indirect marketing attempts. The phone number you have submitted whether landline or mobile phone, can be used to call you when offering help with regard to loan queries, or any other product or service in which you have shown interest in. this will happens regardless of your active subscription to the various “Do Not Contact Lists” or other suppression lists.

When you access and register on this site, you consent that the mere registration is interpreted as an expression of interest in the services and products offered on this website. Both your request and registration processing is in line with the Amended Telemarketing Sales Rule (ATSR). Consequently, we can contact you via the phone even when your telephone number appears on “Do Not Call” lists since you’ve already authorized this company to contact you as provided in the ATSR. In addition, if you use this website to request information from other third party providers and offer your details, the act is equivalent to the expression of interest to the products and services and as such, the third party provider in question may use telemarketing campaigns but in strict observance to the applicable laws.

As far as any telemarketing campaign is concerned, you must accept that you fully understand the associated charges and responsibilities as well as having attained the legal age in the US to have and use a mobile phone. Basically, it’s likely that your specific mobile phone service provider can gather and store the data exchange associated with your phone but such practices are controlled by the respective mobile phone companies.

The usage of third party cookies, pixel tags, web beacons, online behavior and log files

While using this site or receiving email communication you may come across the company’s or third party’s web beacons, pixel tags, cookies, weblogs, and analytic tools. Please note that the usage of the various tools is meant to assist in determining your online activities, gather information about your OS, browsers, viewed emails and web pages, and tracking the IP addresses you normally use. In addition, some of the tools may be used to study your mouse clicks, interaction with online adverts and links as well as time zones and prevalent locations.

When we make reference to cookies, we refer to the small but unique files that are unique to your browser and are stored on your hard drive. Basically, they store behavioral information that is very unique to every user. Some or all of the files gathered may be stored on your hard disk before your computer sends the same to our systems. The main purpose of cookies is to collect your online behavior and establish your preferences based on the pages that you visit. All this is done in an attempt to provide you with a better online experience once you visit our website or that of a third party provider. In some circumstances, cookies can be very instrumental in fraud detection.

The web beacons and pixel tags are minute graphic images that may be included in emails and webpages in an attempt to enable both this company and third parties to understand how users interact with emails or webpages. The main purpose is to measure the response of users to communication as well as content on the webpage.

This company as well as the third party providers is at liberty to employ the various tools mentioned on this document to gather information with an aim to understand user preferences and actions in order to offer an improved service.

Privacy management

We may use several ways to analyze the information you provide in order to make sure that we are offering you personalized offers. Nevertheless, have included the necessary options to help you decide the amount of information you are comfortable to submit in the event where you are not interested in the services offered in this website or communication from this company as well as other third party lenders.

If you wish to keep your information from reaching us or the third party providers, you should desist from using or accessing this website, utilize IP masking software, and avoid interacting in any way with the adverts as well as links on this website. Alternatively, you may disable cookies in your browser or remove them from your computer.

DO NOT TRACK DISCLOSURE: the standard DO NOT TRACK protocol in this industry is yet to be established and implemented. Therefore, this company uses means of information gathering and management that are in accordance with the terms stipulated in this privacy policy regardless of the various “Do not Track” signals sent by most browsers. If you don’t want the company to collect and track your online activities, you can choose to unsubscribe from the emailing lists by opting out near the end of the email messages.

The security of your personal information

This company stores all PII in a database that is secured with a high-end security system in an attempt to avert unauthorized access by individuals or programs and we also update our systems when necessary. Besides from the appropriate electronic, physical, and outstanding security management aimed at protecting you, we are committed to using any applicable measure to ensure that you are safe from loss, alteration and inappropriate use of the information in our custody.

Your personal information may not be used in the public domain and the overall access is quite limited. Only authorized employees of this company are granted access to PII information and they are obligated to use the information to carryout predefined tasks within our offices in accordance to what you have authorized us. Any staff member who has the clearance to access the PII has sufficiently guaranteed to keep the information private, confidential, and safe. If any of these employees commits an action that is against the privacy and security of the PII data, the employee in question is subject to severe disciplinary measures.

Nevertheless, this company does not in any way offer a guarantee that the actions and measures taken are 100% to keep the computers and other technological devices in our system from being compromised and intervened illegally resulting in the theft or alteration of the information in our database. If this happens, this company cannot be held responsible for action and the resulting damage. However, you have the right to request this company to delete your personal information from our database.

If the security of the data in our database is compromised, this company will notify you regarding the prevailing status of your PII data in strict observance with the applicable federal laws. In addition, any third party is solely responsible for the security and protection of the PII data in their custody.

Information from minors

We do not collect any kind of information from anyone below the age of 18 years and we advise all parents to maintain constant surveillance of the online activity of children. If by any chance we receive data from persons considered minors by the law, we shall delete the data with immediate effect. Please note that we are compliant to the Children’s Privacy Protection Act and we do not store neither do we share information from minors.

Third party’s privacy practices and kinks to other sites

This company may display links to some third-party websites in an attempt to provide relevant information to offer you more convenience and always ensure that we have urged the various third-party providers to implement a privacy policy that is sufficient to protect user information. Nevertheless, take note that third parties are not within our jurisdiction and as such, this company cannot take liability for the practices as well as content displayed on their sites. You therefore acknowledge that all third-party providers have different privacy policies and you agree that you have done all the due diligence to read their terms of use as well as their handling of confidential information before furnishing them with your PII data.

A special notification to users in various states

This company operates under the codes and acts that may be applicable in states that correspond to specific interactions with users in the location in question. In some states, we may be required by law to reveal the exact identity of the entities with which we have shared the PII information within a certain timeframe as well as the exact information shared. If you are a resident in a state enforcing these regulations and would like to access the information, please file your request with this company directly and clearly. Kindly note that this company reserves the right to decline any request that is not explicitly relevant to the specific contact information described.

Changes, modifications, and alterations to this privacy policy

This company reserves the irrevocable right to change, remove, or add any part of this privacy policy at our discretion and with no obligation to provide a prior notice. If any changes are implemented on the privacy policy, the various updates will be availed on this page and we shall also indicate the date of the last update.

All updates will become effective once uploaded on this page and it’s your responsibility to periodically check this document for any update. Your continued use of this website indicates that you have agreed to the changes made in this document.

Privacy inquiries and complaints

We do our best to maintain accurate and complete PII data and all our users are in full control of the information in our databases for the purpose of offering better services. As such, you may alter the information in our systems at your discretion. Users are also at liberty to request their information be completely erased from our database. However, if some information is required by any law or considered part of fraud activity, we may decline to delete the data regardless of what is expressed above.

This website is the property of RealisticLoans.com. In case you have any complaint, request, or enquiries with regard to services, access and modifications on your PII data submitted to this site, kindly reach out to us via support@realisticloans.com