This Privacy Statement replaces any privacy statement previously delivered to you or appearing on the SignatureLoan.com website, any transaction agreement, or any other document previously delivered to you. If there are conflicts between this Privacy Statement and any other policy delivered to you by SignatureLoan.com, the terms of this Privacy Statement shall control until revised. This Privacy Statement is effective as of August 27, 2013.
SignatureLoan.com is Arrow Eagle, LLC, which is a limited liability company chartered pursuant to the laws of the Ute Indian Tribe and is wholly owned by enrolled members of the Ute Indian Tribe. By your use of this website you consent to the jurisdiction and laws of the Ute Indian Tribe as it relates directly or indirectly to your use of this website.
ACKNOWLEDGEMENT AND AGREEMENT
Please take a moment to review the terms of our Privacy Statement. SignatureLoan.com is not intended for use by individuals under the age of 18 or those who are not legal residents of the United States. By using the SignatureLoan.com website and participating in any of the SignatureLoan.com services, you agree to accept the terms of this Privacy Statement. If you do not agree to the terms of this Privacy Statement, or if you are not 18 years of age or older and a valid resident of the United States, please do not use the SignatureLoan.com website or participate in the SignatureLoan.com services.
NOTIFICATION OF CHANGES TO OUR PRIVACY PRACTICES
SignatureLoan.com may update this Privacy Statement to update any changes to our information practices. We reserve the right to change this Privacy Statement at any time. If we make any material changes to our information practices, we will revise this Privacy Statement. We recommend that you read and review this Privacy Statement each and every time you access our website and/or use any service referred to you by SignatureLoan.com. Your use of the website constitutes your agreement to the terms of the effective Privacy Statement.
PERSONALLY IDENTIFIABLE INFORMATION
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to first name, last name, Social Security number, address, zip code, city, state, length of stay at address, whether you rent or own, your email address, driver's license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer's phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to gender, age, zip code, or IP address.
This Privacy Statement is provided to you on behalf of Arrow Eagle, LLC, doing business as SignatureLoan.com ("SignatureLoan.com" or "We" or "Our"). We operate the website located at www.signatureloan.com, (the "Site"). Through the Site, we operate a prospective customer database (the "Service"), which compiles, sorts and sells contact information to businesses and networks on behalf of individual consumers who have shown an interest in requesting a business’s products or services and have asked to be contacted by a representative of a product or service business. We utilize third-party vendors, third-party affiliates, and a variety of media advertisements to promote our Site to consumers interested in using our Site or to supplement our database by purchasing the third-party's database of consumers who have completed applications on websites other than our Site and have affirmatively requested receipt of information about product or service offerings similar to those offered on our Site. Additionally, we advertise third-party services through referrals and/or through pay-per-click advertisements to which you may be redirected through our website. By using the SignatureLoan.com website, you agree to our use of your PII and Non-PII for these purposes.
We collect and retain information about you to process your requests for products and services, to communicate with you, and to inform you about other financial services that may be of interest to you through our newsletter. The examples in this Privacy Statement are illustrative only and are not intended to be exclusive.
For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Privacy Statement shall act as both your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act. If you would like to opt-out from the disclosure of your personal information to any third party for marketing purposes, please visit http://www.signatureloan.com/unsubscribe, enter your email address and click the submit button, then confirm your entry.
Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While SignatureLoan.com is not a financial institution, lenders and lending partners we work with are financial institutions. What this means to you: when you submit information to SignatureLoan.com, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender or lending partner that you are connected with on SignatureLoan.com.
OPT-OUT / OPT-IN
We, our affiliate(s) and/or third parties may also promote product and service offerings via email, telephone, or SMS-text message to consumers who requested to be contacted either through our Site's online forms Opt-In process or through an Opt-In process on our third-party vendor or affiliate sites ("List Members"). List Members will receive emails, SMS-text messages, or telephone contacts for as long as they wish to continue to receive such contacts.
List Members can be removed from our contact lists at any time with no questions asked. To remove your information from our database to no longer receive our service or to not receive future communications, go to http://www.signatureloan.com/unsubscribe. Or email us at firstname.lastname@example.org.
Please note that participation in various activities on our Site may be limited if personally identifiable information is not submitted for the user. Email addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten (10) days following receipt. Unless we hear from you, we will assume you agree to receive communications from us and our third-party vendors and affiliates.
If a List Member chooses to be removed from our contact list, if applicable, we will also forward this request to the specific affiliate or third-party vendor who provided the List Member's informational request to us so that the List Member may be included on the third-party's Do-Not-Contact registry as well. Please bear in mind that if your information was purchased commercially from a third-party vendor or affiliate, SignatureLoan.com may not be the only purchaser of your information. Additionally, any third-party vendor or affiliate may have purchased your contact information from a third-party and thus you may continue to receive contacts from those third-party companies. SignatureLoan.com is not responsible for ceasing all unwanted contact from sources beyond our immediate control. We are a CAN-SPAM compliant company.
SignatureLoan.com does not knowingly collect information from anyone under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us at email@example.com, and we will remove the information about the child referenced from our files.
GENERAL INFORMATION COLLECTION AND USE
SignatureLoan.com collects information through the Site from our prospective and existing customers at several different points on our Site. We use contact information to send information about our company and to service existing accounts. Consumers may opt-out of receiving subsequent mailings; see the Opt-Out/Opt-In section of this Privacy Statement. Contact and financial information that is collected is used for verifying your name, address and other information. Not all data asked for on our site is required when you fill out our forms. However, the following information is required to use our Site: Social Security number; first name; last name; address; zip code; city; state; length of stay at address; whether you rent or own; your email address; driver's license or state ID number; telephone number; work telephone number; time at which you may be contacted; birth date; birth year; IP address or computer hardware specifications; whether you are related to someone in the armed forces; whether you make income from job or from benefits; your employer name; duration of employment; employer's phone number; job title; frequency of compensation; your pay dates; your ABA/routing number; your bank account number; nature of bank account; name of bank; bank phone number; duration with bank; whether you get paid by direct deposit; monthly net income; and loan amount desired.
Information about your computer hardware and software is automatically collected by SignatureLoan.com and may be shared in combination with third parties whose services are used for traffic-analysis purposes. This information includes your IP address, browser type, domain names, access times and referring website addresses. This information is used by SignatureLoan.com to maintain and improve the quality of the service and to generate statistics regarding use of the SignatureLoan.com site. SignatureLoan.com does not use third-party databases to update or correct the information you submit to us for any reason.
A cookie is a piece of data stored on the user's computer hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our website. If a user rejects the cookie, they can still use our site; however, without cookies the user may not have access to certain features on our site. Cookies can also make it possible for us to track and target the interests of our users to enhance the customer experience on our site. All cookies served on the domain, both session and persistent, are tied to the Personally Identifiable Information that you provide.
FOR CALIFORNIA RESIDENTS
On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like SignatureLoan.com to disclose: (1) How SignatureLoan.com responds to "Do Not Track” signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit SignatureLoan.com
SignatureLoan.com does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. SignatureLoan.com does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to SignatureLoan.com. SignatureLoan.com does not permit third parties to collect PII about an individual consumer's online activities over time and across different Web sites when a consumer uses SignatureLoan.com.
SignatureLoan.com contains links to other websites belonging to third parties. Please be aware that SignatureLoan.com is not responsible for the privacy practices of such other sites. We strongly encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by SignatureLoan.com even in cases where we may frame another site with our own. Occasionally, we may co-brand certain services with third-party vendors and affiliates. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit bureaus and automotive companies.
SignatureLoan.com uses a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit extremely confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
SignatureLoan.com 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 Statement. By way of example (without limiting the foregoing), we may be compelled to disclose information to the government or third parties under certain circumstances as required by law, or third parties may unlawfully intercept or access transmissions or private communications.
In addition, as noted above, if you opt-out of future contact from SignatureLoan.com by using the opt-out mechanism provided in each email message we send to you on behalf of a third-party service provider other than SignatureLoan.com, we’ll provide your email address to the third-party service provider so that the third-party service provider is able to add your name and contact information to its own Do-Not-Contact list.
As SignatureLoan.com develops, we may purchase other businesses or their assets or sell our business assets. Customer information is usually one of the business assets involved in such transactions. Thus, in the event that SignatureLoan.com or all of its assets are acquired, customer information, including any visitor information collected through our website, would be one of the transferred assets. For more information, take a look at the "Notification of Changes" section of this Privacy Statement.
Finally, SignatureLoan.com reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to contact, identify or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) SignatureLoan.com's rights or property, other visitors, members, or anyone else that could be harmed by such activities. SignatureLoan.com also reserves the right to disclose member or visitor information when we believe in good faith that the law requires it.
SignatureLoan.com reserves the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a court order, judicial proceeding or legal process served on the Site.
SHARING INFORMATION WITH AFFILIATES
When you submit your request for information or a quote, you are granting permission to be contacted by SignatureLoan.com or affiliated third parties. We share the contact and loan request data you submit on the quote request form and SignatureLoan.com account number information with affiliated companies such as, but not limited to, commercial lenders, lending partners, banks and licensed loan brokers to fulfill information requests we receive from you; to provide you with excellent service; inform you of product and service opportunities that may be of interest to you; and for other business purposes. We may disclose all of the information we collect, as described above, to the following types of affiliated companies: financial service providers, such as mortgage and life insurance agencies; debt & credit services companies; title service companies; and auto-finance companies. An "affiliate company" is a company under legal contract with SignatureLoan.com to fulfill services or is a company owned in whole or in part by SignatureLoan.com or Arrow Eagle, LLC.
SHARING INFORMATION WITH CO-BRANDED PARTNERS
Some of the services offered on the SignatureLoan.com website are co-branded with contracted partners. Co-branded offerings will be identified directly on the quote request form for the product or service you choose prior to your having to submit the quote request. Where a co-branded product or service provider is identified your PII will be provided directly to that provider's website. The product or service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, address, phone, email address, etc.) is shared with SignatureLoan.com.
SignatureLoan.com may use personal information to provide you with the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP," "END" or "QUIT" to the SMS text message you have received. If you remove your SMS information from the SignatureLoan.com database, it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
DO NOT CONTACT REGISTRY COMPLIANCE
By submitting personal contact and/or financial information, the user hereby grants written permission to SignatureLoan.com, its affiliated sites, and its business partners for contact via telephone, mail and/or email. Furthermore, by registering at SignatureLoan.com you are consenting to receive phone calls from SignatureLoan.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders or lending partners that may contact you regarding a loan.
We treat information about former SignatureLoan.com customers in the same fashion as we treat information about current SignatureLoan.com customers.
CONFIDENTIALITY AND SECURITY
SignatureLoan.com restricts access to nonpublic personal information about you to those employees who need to know that information in order to be able to provide products or services to you. We maintain electronic, physical and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.
Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you give us and will promptly update your records when you notify us of a change. Please contact us at the phone number or address listed below when information concerning you changes.
SITE AND SERVICE UPDATES
We will send the user site and service announcement updates. SignatureLoan.com members are not able to unsubscribe from service announcements, which contain critical information about the service. SignatureLoan.com also communicates with users to provide requested services and in regard to issues relating to the account via email or telephone when requested.
CORRECT / UPDATE INFORMATION
If you want to verify any data that we have received from you, make any corrections or disable the use of your personal information, please log into your account here on SignatureLoan.com, or contact us at firstname.lastname@example.org.
SignatureLoan.com is Arrow Eagle, LLC, which is a limited liability company chartered pursuant to the laws of the Ute Indian Tribe and is wholly owned by enrolled members of the Ute Indian Tribe. By your use of the SignatureLoan.com website you consent to the laws and jurisdiction of the Ute Indian Tribe as it relates directly or indirectly to your use of the Site. The Ute Tribe of Utah is a federally recognized Indian Tribe, and as such, the Tribe and its chartered companies, including Arrow Eagle, LLC, are not subject to civil suit in any forum whatsoever absent an express waiver of sovereign immunity. You agree that any legal action brought against us shall be governed by the laws of the Ute Tribe of Utah, without regard to conflict of law principles. You agree that the only jurisdiction and venue for any litigation arising from your use of or orders made on the Site shall be the tribal courts of the Ute Ouray Reservation of Utah. The terms described in the SignatureLoan.com Terms & Conditions will be governed by and construed in accordance with the laws of the Ute Tribe of Utah, without regard to conflict of law provisions. Neither your use of the SignatureLoan.com website nor anything herein shall be construed or deemed a waiver, impliedly or otherwise, of sovereign immunity.
40 E. Main St., Ste. #110
Newark, DE 19711
INFORMATION FOR ISPs:
40 E. Main St., Ste. #110
Newark, DE 19711
SignatureLoan.com understands the importance of protecting consumers’ personal information and the proper use of that information. It is our policy to never send unsolicited emails to consumers and we hope the following information will eliminate any concerns that your company may have regarding our practices with respect to consumers’ personal information.
SignatureLoan.com and its affiliated sites use only an “opt-in or opt-out” method of obtaining customer information. All personal information from consumers is acquired voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.
All email communications that we send to consumers include information about the origin of the email and include easily identifiable instructions on how consumers can unsubscribe from receiving future emails from us. Below is an example of email communications sent by SignatureLoan.com to subscribers.
This email is not sent unsolicited. This is a SignatureLoan.com emailing. Offers are sent to subscribers ONLY.
To be removed from our list, click here.
In some instances, SignatureLoan.com will enter into a privacy statement with third-party websites to allow consumers to opt-in to our marketing program on those third-party websites. When this happens we make certain that the third-party websites represent and warrant to us that the consumer data was collected voluntarily by consumer registration and/or co-registrations. SignatureLoan.com also requires that the third-party websites have a right under any applicable privacy statement to transfer the consumer data to us, and that SignatureLoan.com has the right to send marketing offers to the consumer.
We hope this information satisfies any concerns or questions you may have as an ISP regarding our email practices. If you have additional questions or wish to discuss the matter further, please contact us at email@example.com.
In addition to using cookies and related technologies as described above, we also may permit certain third party companies to help us tailor advertising that we think may be of interest to users and to collect and use other data about user activities on our Sites and/or Services (e.g., to allow them to tailor ads on third party services). These companies may deliver ads that might also place cookies and otherwise track user behavior.
We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.
You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by editing your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. For further information regarding the privacy practices of our advertisement provider, please visit http://www.google.com/privacypolicy.html
We collect and combine personally identifiable information (“PII”) and non-personally identifiable information (“Non-PII”) through various sources, including those discussed herein. We may obtain Information about you from third parties such as: credit reports, information about your home and demographic information. When you submit your request for information or quote, you are granting us permission to share your PII and Non-PII, including the contact and loan request data you submit with affiliated third parties, including affiliate companies and co-branded partners; you are also granting us permission to be contacted by us or our affiliated third parties, including affiliate companies and co-branded partners. Affiliated third parties include, but are not limited to, banks, commercial lenders, unsecured lenders, secured or titled lenders, and licensed loan brokers, financial service providers (such as mortgage and life insurance agencies), title service companies, debt and credit services companies and auto-finance companies. An "affiliate company" is a company under legal contract with us to fulfill services or is a company owned in whole or in part by us. A “co-branded partner” is a contracted partner with whom we work to provide co-branded services on our website. We do not engage in the collection of PII about an individual consumer’s online activities over time and across third-party Web sites or online services. We do not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our site. We do not permit third parties to collect PII about an individual consumer's online activities over time and across different Web sites when a consumer uses our site.