Loanbeam Privacy Statement

Loanbeam is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Loanbeam website and governs data collection and usage. By using the Loanbeam website, you consent to the data practices described in this statement.

I. Collection of your Personal Information

Loanbeam might collect personally identifiable information, such as your e-mail address, name, home or work address or telephone number.

There is also information about your computer hardware and software that is automatically collected by Loanbeam. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Loanbeam for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Loanbeam website.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Loanbeam public message boards, this information may be collected and used by others. Note: Loanbeam does not read any of your private online communications.

Loanbeam encourages you to review the privacy statements of websites you choose to link to from Loanbeam so that you can understand how those websites collect, use and share your information. Loanbeam is not responsible for the privacy statements or other content on websites outside of the Loanbeam and Loanbeam family of websites.

II. Use of your Personal Information

Loanbeam collects and uses your personal information to operate the Loanbeam website and deliver the services you have requested. Loanbeam also uses your personally identifiable information to inform you of other products or services available from Loanbeam and its affiliates. Loanbeam may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Loanbeam does not sell, rent or lease its customer lists to third parties. Loanbeam may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Loanbeam, and they are required to maintain the confidentiality of your information.

Loanbeam does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Loanbeam keeps track of the websites and pages our customers visit within LoanBeam. This data is used to deliver customized content and advertising within LoanBeam to customers whose behavior indicates that they are interested in a particular subject area.

Loanbeam websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Loanbeam or the site; (b) protect and defend the rights or property of Loanbeam; and, (c) act under exigent circumstances to protect the personal safety of users of Loanbeam, or the public.

III. Use of Cookies

The Loanbeam website uses “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Loanbeam website pages, or register with the Loanbeam website or services, a cookie helps Loanbeam to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Loanbeam website, the information you previously provided can be retrieved, so you can easily use the features that you customized. The cookies used on the website do not identify you personally by default. They transmit information to us about your browsing choices, such as which hyperlink you followed to arrive at the website, which we in turn use to optimize your browsing experience. In some cases, third-party software products, such as Google analytics and remarketing, are used to help us optimize our website’s performance and our marketing efforts, and that third party software may access these cookies and use the information contained in such cookies to help us do so. Third-party vendors, such as Google, use cookies to serve ads based on someone’s past visits to our website.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Loanbeam services or websites you visit.

IV. Security of your Personal Information

Loanbeam secures your personal information from unauthorized access, use or disclosure. Loanbeam secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information is transmitted to other Web sites, it is protected using encryption, such as the Secure Socket Layer (SSL) protocol

V. Changes to this Statement

Loanbeam will occasionally update this Statement of Privacy to reflect company and customer feedback. Loanbeam encourages you to periodically review this Statement to be informed of how Loanbeam is protecting your information.

VI. Contact Information

Loanbeam welcomes your comments regarding this Statement of Privacy. If you believe that Loanbeam has not adhered to this Statement, please contact Loanbeam at loanbeamcommuniations@LoanBeam.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.