We recognize your expectations for the responsible use of your information and protection of your right to privacy.
At VALoanRanger.com, we recognize that you have a right to expect your personal financial information to remain private and secure. We will maintain standards to reasonably ensure that your information is kept private, secure and protected at all times, and will provide details regarding how your information is used and the benefits such use provides to you.
The information we collect and from whom we collect it
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms;
- Information we receive about your transactions with us, our affiliates or others;
- Information we receive from consumer reporting agencies; and
- Information we receive from you voluntarily, such as your e-mail address and any information contained in your e-mail messages.
“Nonpublic personal information” is nonpublic information about you that we obtain in connection with providing a financial product or services to you. This could include information such as account balances, payment history or overdraft history.
What information we disclose and to whom we disclose it
We do not disclose any nonpublic personal information about you to non-affiliated third parties except as permitted by law. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.
Our security procedures
We restrict access to nonpublic personal information to only those employees who need to know for the purposes of providing you products or services. We maintain physical, electronic and procedural safeguards that comply with federal standards for safeguarding your nonpublic personal information.
The Cookies and Other Tracking Technologies We Use.
A cookie is a small data file that is placed on the hard drive of your computer when you visit a website. A “session cookie” expires immediately when you end your session (i.e., close your browser). A “persistent cookie” stores information on the hard drive so when you end your session and return to the same website at a later date, the cookie information is still available. Web beacons and tags are small strings of code that are used in conjunction with a cookie and that allow us to record activity on our websites. When you visit our website, we may use both a session and a persistent cookie. This cookie may contain information (such as a unique user ID) that is used to track your usage of our website. A web beacon allows us to capture certain additional types of information about a visitor’s actions on a website, such as a visitor’s cookie number, the time, date, duration, and number of page views, a description of the page where the web beacon is placed, and details about any items that were purchased.
Which Internet Advertising Programs We Engage.
Currently, we use third party-placed tracking pixels and cookies from Google. We may convert your email address into a unique value which can be matched by Google with a user on their platform to allow us to serve you interest-based advertising. Although we do not provide any personal information to these platform vendors, they may gain insights about individuals who respond to the ads we serve.
In the future, we may partner with other companies to provide interest-based advertising, both on and off this website. If this occurs, we will provide you with an opportunity to opt out when these advertisements are served. You may manage your advertising preferences by Visiting Google’s Ad Settings. If you would like more information about this practice and to know your choices for not having this information used by third-party service providers, please visit http://www.networkadvertising.org/managing/opt_out.asp.