PRIVACY POLICY

Last Updated: March 4th, 2020

  1. Introduction. You are visiting a website owned and operated by Speedy Servicing, LLC. Speedy Servicing, LLC and its subsidiaries (collectively, “Speedy”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information. This Privacy Policy applies to Findaspeedyloan.comand all websites owned and operated by Speedy on which this Privacy Policy is displayed (hereinafter as “Website(s)” or “Site(s)”, whether individually or collectively) as well as Speedy affiliates.

If you do not agree with our Privacy Policy and practices regarding how Speedy handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time, in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.

  1. Information We Collect.
    Personally Identifiable Information (PII). In the course of using this Website, we may collect information that could identify you such as your name, email address, mailing address, phone number, social security number, driver’s license number, bank information, employment history, information related to your income, and credit.
    Non Personally Identifiable Information (NPI). We may also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.
  2. How We Collect Information.
    Information Provided by You. We may collect personal information that you voluntarily provide when you enter it online into a loan request form or application, or when you speak to a customer service representative via telephone call, or any other electronic or written means.
    Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.
    Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.
  3. How We Use Your Information. We may use collected information 
    1. to deliver the products and services you requested, 
    2. to personalize your user experience; 
    3. to communicate with you about products or services that may be of interest to you; 
    4. to communicate with you about your account/registration/interaction with this Website; 
    5. to provide to Network Partners, including lenders or financial institutions, for the purpose of determining eligibility for specific products; 
    6. for business purposes, such as analytics, research, advertising and marketing, and operational purposes; 
    7. to improve our Website; 
    8. to improve customer service; 
    9. to comply with law enforcement and maintain the security of our Website; and 
    10. to perform any other functions otherwise disclosed when you provided us with your information.
  4. How We Share Your Information.
    Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications (i) from us; (ii) one of our Network Partners; and (iii) third parties that provide services on our behalf, such as website hosting partners, email marketing service providers, or other parties who assist us in operating our Website, conducting our business, or serving our users.

Consent to Share Your Information. In submitting a loan request form/application, or using the services provided through our Website, you agree that Speedy may share information about you or provided by you with Network Partners which provide services to our users to deliver the products and services you requested. These Network Partners may include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in their network.

Other Situations Where We May Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements or policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law. We may partner with advertiser networks and other advertiser service providers (collectively, “Advertising Providers”) that serve ads on our behalf and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of our website and other sites or apps over time, including information about relationships among different browsers and devices. We may also work with third parties that collect information about your use of our website and other websites over time for non-advertising purposes. We use Google Analytics and other third-party services to improve the performance of the Website and for analytics and marketing purposes.

  1. How We Protect Your Information. By accessing and navigating through this Website, you hereby acknowledge and agree that Speedy may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.

Our Commitment to Online Security. We use generally accepted industry standards to protect the security of your personal information and encrypt sensitive. Although we strive to provide accepted industry-standard security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information that is transmitted to and through this Website.

No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry-standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, Speedy shall not be liable for unauthorized disclosure of personal information due to no fault of Speedy including, but not limited to, errors in transmission and unauthorized acts of third parties.

  1. Third-Party Links. This Website may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.
  2. Consent to Communicate. When you submit your personal information on this Website, you are providing your express consent to be contacted via multiple means. For the specific information about TCPA Opt-In or Opt-Out, please see our SMS policy here. If you wish to opt-out of us sharing your information for marketing communications, please submit your request to info@Findaspeedyloan.com. You may also exercise your opt-out request by sending physical mail to Speedy Servicing, Inc. P.O. Box. 1329 Kahnawake, Quebec JOL 1B0
  3. Modifications or Amendments. From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements, or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.
  4. Children Under the Age of 18. This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.

In accordance with the Children's Online Privacy Protection Act ("COPPA"), we do not request or collect any personally identifying information (“PII”) from anyone who we know to be under the age of 13, nor do we knowingly provide services through this Website directly to anyone under the age of 13. The Website is not designed to attract children, and is not directed at, or intended for use by, children under the age of 13. If you have knowledge or become aware that a child under the age of 13 has submitted PII to us, please contact us and we will remove that child's PI from our files. 

  1. Your Rights Under the California Consumer Privacy Act (CCPA).
    General Information. If you are a California resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.



Category of Information

Identifiers

Examples

Name, internet protocol address, email address, or other similar identifiers

Source of Information

Consumer, third-party data providers, marketing partners, and advertising partners

Purpose of Collection

For us to provide services, market to you, analyze your use, conduct research, maintain the security of our systems and operations, and to meet our legal compliance requirements

Who We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information

Category of Information

Personal information categories listed in the California Customer Records statute

Examples

Name, signature, address, telephone number, driver’s license or state identification number, employment, social security number, bank account number

Source of Information

Consumer and third-party data providers

Purpose of Collection

For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain the security of our systems and operations, and to meet our legal compliance requirements

Who We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information

Category of Information

Protected classification characteristics under California or federal law

Examples

Age, military status

Source of Information

Consumer and third-party data providers

Purpose of Collection

For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain the security of our systems and operations

Who We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

Category of Information

Internet or similar network activity

Examples

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement

Source of Information

Consumer, web browsers, marketing partners, and advertising partners

Purpose of Collection

For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain the security of our systems and operations

Who We Share With

Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers

Category of Information

Geolocation data

Examples

Physical location or movements

Source of Information

Consumer, web browsers, marketing partners, and advertising partners

Purpose of Collection

For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain the security of our systems and operations, and to meet our legal compliance requirements

Who We Share With

Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers

Category of Information

Professional or employment-related information

Examples

Current employer, length of employment

Source of Information

Consumer and third-party data providers

Purpose of Collection

For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain the security of our systems and operations

Who We Share With

Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

Category of Information

Inferences drawn from other personal information

Examples

Profile reflecting a person’s preferences, characteristics, trends, behavior, and abilities

Source of Information

Third-party data providers, marketing partners, and advertising partners

Purpose of Collection

For us to performservices you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain the security of our systems and operations

Who We Share With

Data processing providers, web analytics providers, and security/anti-fraud providers

Right to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information.

Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.

Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.

How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to info@Findaspeedyloan.com. You may also send your request by sending physical mail to Speedy Servicing, Inc. P.O. Box. 1329 Kahnawake, Quebec JOL 1B0. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of your information by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to info@Findaspeedyloan.com. You may also send your request by sending physical mail to Speedy Servicing, Inc. P.O. Box. 1329 Kahnawake, Quebec JOL 1B0. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to info@Findaspeedyloan.com. You may also send your request by sending physical mail to Speedy Servicing, Inc. P.O. Box. 1329 Kahnawake, Quebec JOL 1B0. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.

California Disclosures. California Law requires us to provide certain disclosures to users of this Website, in addition to the CCPA disclosures noted above.

Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at info@Findaspeedyloan.comPlease note that this section does not prohibit disclosure made for non-marketing purposes.


Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, Speedy does not respond to do-not-track browser settings or signals.

Contact Us If you have any questions or comments regarding this Privacy Policy or our practices, please reach out to us at info@Findaspeedyloan.com