This Privacy Policy “The Policy” is adopted by MONEYLOANSFORYOU, Inc. (hereinafter “Company” or “MONEYLOANSFORYOU”) in recognition of the Company’s obligations under this policy is committed to safeguarding the personal information of our customers. This policy has been developed to adhere to compliance with the Gramm-Leach-Bliley Act, California Consumer Privacy Act as well as various federal and state laws that relate to the protection of consumer privacy. This policy describes the types of information we collect, who has access to that information, and how we keep your information safe from unauthorized access or use.
This privacy notice discloses the privacy practices for https://moenyloansforyou.com/. This privacy notice applies solely to information collected by this website, except where stated otherwise. It will notify you of the following:
We are strongly committed to your right to privacy and to keeping your personal and financial information secure. To earn your trust and confidence in our commitment, we are fully disclosing our privacy practices and providing independent, audited results of our policy on a quarterly basis. We encourage you to read our policy to understand what types of personally identifiable information we collect and how we use this information to process your requests for our customized products and services. Although our policy applies to all users of our site, please note that loan availability is limited to qualified individuals on U.S. properties.
We only collect the necessary personally identifiable information in order to respond to your requests for our customized products and services. Personally, identifiable information includes, but is not limited to, first and last name, zip code, email address, phone number, and any other information that itself identifies or when tied to the above information, may identify you as a specific individual.
You will be requested to provide certain personally identifiable information on the following parts of our site:
We only collect the necessary general information in order to respond to your requests for our customized products and services.
When you visit our site, our systems log some basic and anonymous information about your computer for routine website maintenance, including:
Due to the financial nature of our business, this website is directed to adults. In compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not knowingly collect or maintain any information from anyone under 13 years of age. If our company becomes aware that information has been collected from or submitted by a child under the age of 13, we will delete that information. If you are a parent or guardian who is concerned that a child under 13 has provided us with personally identifiable information, please contact us directly to ensure that the information is deleted.
To help the government fight the funding of terrorism and money laundering activities (AML), Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This is known as a Customer Identification Program (CIP). In addition, we are also utilizing Know Your Customer (KYC) with Multi Factor Authentication. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data), that information is encrypted with blockchain technology and is transmitted to us in a secure an immutable manner. You can verify this by looking for a closed lock icon at the bottom of your web browser, or look for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (e.g, billing or customer service) are granted access to personally identifiable information. The computers/servers on which we store personally identifiable information are kept in a secure environment.
When you submit your application, the information provided is stored in our immutable databases and processed only by our employees. An employee may contact you via telephone to confirm receipt of your online application and send you additional documents, via postal mail, to facilitate the application process. Our employees may also disclose certain information to our authorized agents to obtain the following services:
In some circumstances, we may be required as part of the validation process to contact certain third parties, such as your employer or financial institution, to obtain independent verification of various loan related information. After our authorized agents receive your information, they may contact you directly.
We are required by federal and state banking regulations to collect certain information on the online loan application. In addition, we will disclose information collected to our authorized agents in order to independently verify and process your loan application. The use of credit report information obtained by us and our authorized credit reporting agencies is governed by the Fair Credit Reporting Act (FCRA). We will also disclose the name of the lending institution to the consumer in the loan details section of the search for rates results page.
As certain aggregate information must be reported to state and federal regulatory agencies, we cannot process any requests to delete application information from our systems, regardless of whether a loan is funded or not.
Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection and storage of personal information about a consumer’s online activities over time and across third party websites, to the extent the operator engages in that collection of data. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. California law also requires website and online service operators to disclose whether third parties collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or services. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, or affiliate may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.
Our website utilizes cookies, which are small pieces of information stored on your computer’s hard drive. These cookies are not used to obtain personally identifying information, but rather to help us make customization and navigation of our site easier for our customers. You may opt to adjust your browser settings to disable cookies. Please note that if you opt to do this, you may be unable to use some features of our site.
Our website utilizes Google Analytics. For further information on this service and how they collect and process data, please visit https://www.google.com/policies/privacy/partners/.
We may opt to include third-party links on this website for your convenience. These sites are not maintained by or under the control of the company, therefore we have no liability for the content of these linked sites. We encourage you to review the privacy policies of any third-party site you navigate to when you leave our site. We always welcome your feedback, so if you have concerns about any link that you see on this website, please contact us.
Once you are a customer if you prefer that we not disclose your nonpublic personal information to our affiliates and/or nonaffiliated third parties, you may opt out of such disclosures by following the Opt-Out procedures included in this Notice. Please note that, even if you direct us not to share information with our affiliates, we may still share your information with our affiliates as permitted by law, for example, to process transactions or to service your account. Moreover, we may also share certain other types of information with our affiliates, such as your name, address, telephone number, email address and account number(s), and information about your transactions and experiences with us.
This POLICY FOR CALIFORNIA RESIDENTS supplements the information in our privacy notice and applies solely to California residents (“California Consumer” or “you”). A business that collects a California consumer's personal information must inform consumers as to the categories of personal information to be collected and the purposes for which the categories of personal information shall be used. Any terms defined in the California Consumer Privacy Act of 2018 (“CCPA”), Cal. Civ Code § 1798.100 et. seq., have the same meaning when used in this notice.
Under CCPA, California residents have the right to know about information collected disclosed or sold, the right to opt out of the sale of certain information, and a limited right to have businesses delete information a business has collected about the consumer. These rights extend only to California residents and information covered by CCPA. Because CCPA does not cover all consumer data in all situations, only certain consumer data subject to these rights.
Other laws may govern data we gather about you or you provide to us including, but not limited to:
Newratecorp Financial, Inc. (“Company” or “we”) collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”). As described above, not all of the Personal Information collected below is subject to CCPA. All Personal Information collected pursuant to this notice that is subject to CCPA is collected for a Business Purpose and may be shared with service providers if necessary to perform a Business Purpose. We may have collected the following categories of personal information from consumers within the last 12 months:
Except as provided above, the Company has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding 12 months.
Right to Know About Personal Information Collected, Disclosed, or Sold. California consumers have the right to request that a business disclose what personal information it collects, uses, discloses, and sells.
Right to Request Deletion of Personal Information. Under CCPA, you may have the right to request the deletion of your personal information collected or maintained by the Company.
Right to Opt-Out of the Sale of Personal Information. Under CCPA, you may have the right to opt-out of the sale of their personal information by a business. Note that as defined in CCPA, the Company does not, and will not, sell your personal information.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights. Under CCPA, you have the right not to receive discriminatory treatment by the Company for the exercise of the privacy rights conferred by the CCPA.
NEWRATECORP intends to respond to a verifiable consumer request within forty-five (45) days of its receipt.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
For a request to be acknowledged, you must either fill out our CCPA web form or call our toll-free number at (888) 807-1958 After submitting a request, we will verify your identity by matching the identifying information provided by you to the personal information already maintained by us, or, in cases where your request requires a higher degree of certainty; we may use a third-party identity verification service or ask for a photo ID or for more information. Any information you provide us that is not already in our system will be deleted after your request has been fulfilled.
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.
At our discretion, we will update this Privacy Notice to reflect changes in our policies and practices. By electing to become one of our customers, you agree to receive copies of our Privacy Policy and any amendments to it unless you notify us in writing at the address below. With respect to how we use your personally identifiable information, we’ll email you the amended policy 30 days before it shall take effect.
If you have any questions about this Privacy Notice or wish to Opt-Out of any sharing as described in this Notice please write to us at:
You can also email us at: admin@newratecorp.com
By using our site, you consent to our collection and use of your information. Any changes to our policy will be reflected on this page so that you are always aware of the information we collect and how we use it.
Whenever material changes are made to this policy a revised policy will be placed on this website.
If you feel that we are not abiding by this privacy policy, you should contact us immediately using the admin@newratecorp.com email address or
call (888) 807-1958 and speak with our Chief Compliance Officer.
This policy was last modified on June 30th, 2020.
