Additionally, we advertise third-party services through referrals and pay-per-click advertisements to which you may be redirected to our website. By using the Americaloanservice.com website, you agree to our use of your PII and Non-PII for these purposes.
Personal Identifiable Information (PII)
By using this Site, it will require you to provide firm 'Personally Identifiable Information'. Your data allows for identification and communication. This information may include, but it is not limited to: your name, date of birth, telephone number, physical address, Social Security number, driver's license number and state, email address, active military information, employment information, information about home ownership, citizenship status, amount of paychecks and frequency, and your banking information.
Americaloanservice.com utilizes secure technology to protect your personal information. Although Americaloanservice.com has taken reasonable measures to provide for the security of certain information that you submit to the Site, Americaloanservice.com cannot guarantee that this information will not be intercepted or decrypted by others. Americaloanservice.com accepts no responsibility for such interception or decryption. We use 256-bit encryption to protect your information.
Americaloanservice.com is not your agent, nor is it the agent of the issuer of any personal loan, credit card issuer, or any supplier with respect to your decision to obtain a personal loan or another financial offering. Americaloanservice.com may receive compensation for third parties for goods, facilities or services that Americaloanservice.com provides to third parties under separate contact. Such goods, facilities or services may or may not relate in any way to your use of the Site. You agree to any such compensation arrangement whether related in any way to your use of the Site.
How America Loan Service makes Money
Americaloanservice.com is an independent publisher and product/service comparison provider. America Loan Service is compensated when consumers are clicking on links displayed on our website. This compensation may impact when, how, where and in what order the products or services are listed on our site.
LAW AND VENUE
By using the Site, you agree to indemnify and hold Americaloanservice.com, its subsidiaries, affiliates, officers, agents and other partners and employees, harmless from any loss, liability, claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use or attempted use of the Site, including providing a link to another site or uploading any content to the Site.
CONTACT INFORMATION and INFORMATION FOR ISPs:
Attention: Gerald Proctor
Mountain View, California
Email Contact: email@example.com
Americaloanservice.com understands the importance of protecting consumers' personal information and the proper use of their personal information. It is our policy to not send unsolicited e-mails to consumers and we hope the following information will eliminate any concerns that you may have regarding our practices of consumers' personal information. Americaloanservice.com and its affiliated sites use only an opt-in or opt-out method of obtaining customer information. All personal information from consumers is obtained voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.
All e-mail communications sent by us to consumers include information about the origin of the e-mail and include easily identifiable instructions on how consumers can unsubscribe from receiving future e-mail messages from us. Below is an example of e-mail communications sent by us to subscribers.
This e-mail is not sent unsolicited. This is an Americaloanservice.com emailing. Offers are sent to subscribers requesting information only. To be removed from our list contact support@Americaloanservice.com
ACKNOWLEDGEMENT AND AGREEMENT
NOTIFICATION OF CHANGES TO OUR PRIVACY PRACTICES
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 Americaloanservice.com is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to Americaloanservice.com, we will ask for your name, email address and other information that will allow us to identify you. This information will be passed on to the lender that you are matched with on Americaloanservice.com.
OPT-OUT / OPT-IN
Our affiliate(s) and/or third parties may also promote product and service offerings via email, SMS-text message, or telephone to consumers who requested to be contacted. These requests are not affiliated with America loan Service. America loan Service has an online application for consumers searching for information on financial services. We only answer inquiries from the applications that have been submitted. We do not sell or distribute your information in any way, we only answer the questions that are asked and delete all email information from our database. Some inquiries are published on the webpage where the consumer entered our website for information purposes only. All email addresses and your last name if provided, are deleted from the application for your privacy.
To remove a published application from any webpage, go to firstname.lastname@example.org and let us know that you wish to have information removed. We are a CAN-SPAM compliant company.
Americaloanservice.com does not knowingly collect information from children 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 delete the information about the child referenced from our files.
GENERAL INFORMATION COLLECTION AND USE
Americaloanservice.com collects information through the Site from our prospective and existing customers at several different points on our Site. We do not use contact information to send information about our company and to service existing accounts. Americaloanservice.com does not make any lending decisions and you may decide to connect to third-party providers that may require your personal information.
A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site; however, without cookies, the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information 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 Americaloanservice.com to disclose: (1) How Americaloanservice.com responds to "Do Not Track" signals; and (2) Whether third parties collect personally identifiable information (PII) about users when they visit Americaloanservice.com.
Americaloanservice.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. Americaloanservice.com does not honor "do not track" signals. Users who chose to use "do not track" signals will still have access to Americaloanservice.com. Americaloanservice.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 Americaloanservice.com.
Americaloanservice.com contains links to other sites belonging to third parties. Please be aware that Americaloanservice.com is not responsible for the privacy practices of such other sites. We 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 Americaloanservice.com even in cases where we may frame another site with our own. It will be clear at the point of collection who is collecting such information and whose privacy statement governs.
We use 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 highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol. We use 256-bit encryption to protect your information.
Finally, Americaloanservice.com reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Americaloanservice.com's rights or property, other visitors, members, or anyone else that could be harmed by such activities. Americaloanservice.com also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.
We reserve 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 judicial proceeding, court order, or legal process served on our Site.
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, credit card inquiry 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, credit card companies, 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.
SHARING INFORMATION WITH AFFILIATES
When you submit your request for information or quote, you are granting permission to be contacted by our affiliated third parties. We share the contact and loan request data you submit on the Quote Request Form and Americaloanservice.com account number information with affiliated companies such as, but not limited to, banks, credit card providers, commercial lenders and licensed loan brokers to fulfill information requests we receive from you; to provide you with superior 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; title service companies; debt & credit services companies; and auto-finance companies. An "affiliate company" is a company under legal contract with Americaloanservice.com to fulfill services or is a company owned in whole or in part by Americaloanservice.com.
DO NOT CONTACT REGISTRY COMPLIANCE
By submitting your personal contact information to Americaloanservice.com, the user hereby grants written permission to Americaloanservice.com and its affiliated sites contact via telephone, mail, and/or email. Further, by completing the Quote Request Form on Americaloanservice.com, you are consenting to receive phone calls or email from its affiliated sites, and its business partners for contact via telephone and email, including but not limited to lenders that may contact you regarding a loan or credit card providers.
We treat information about our former customers in the same manner as we treat information about our current customers.
CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic 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 provide us and will update your records when you notify us of a change. Please contact us at the email listed below with information concerning your changes.
CORRECT / UPDATE INFORMATION
If you would like to verify any data that we have received from you make any corrections or disable the use of your personal information, contact us at support@Americaloanservice.com
Attention: Gerald Proctor
Personal loans on this Site generally range from $100 to $100,000. Any consumer-facing debt and credit difficulties should seek out debt and credit advisory help. You will not be charged any fees to use Americaloanservice.com's services. Federal and state laws cover certain types of lenders and loans. Consumers are encouraged to research laws that may be applicable to personal loans, and to ask their lenders for more information.
Residents of some states may not be eligible for a personal loan based on lender requirements. Our company does not guarantee that completing an inquiry form will result in you being matched with a service provider or lender, being offered a loan or credit card product with satisfactory rates or terms, nor receiving a loan or credit card from a service provider or lender.
Any controversy or claim arising out of or relating to the use of website, to the goods or services provided by Americaloanservice.com, or to any acts or omission for which you may contend Americaloanservice.com is liable, including but not limited to any controversy or claim as to arbitrability ("Dispute"), will be settled finally and exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. The arbitration will be conducted in Mountain View, California and judgment on the arbitration award may be entered into any court of competent jurisdiction in Mountain View, California. No arbitrator shall have the power to award damages in connection with any Dispute in excess of actual compensatory damages and shall not multiply actual damages or award consequential, punitive or exemplary damages, and each party irrevocably waives any claim thereto. The agreement to arbitrate shall not be construed as an agreement to the joinder or consolidation of arbitration under this agreement with arbitration of disputes or claims of any non-party, regardless of the nature of the issues of disputes involved.
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN YOU AND AMERICALOANSERVICE.COM WILL BE RESOLVED BY BINDING ARBITRATION. THUS, YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. By using Americaloanservice.com's service, you consent to these restrictions.
In the event the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Americaloanservice.com, you agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
CELL PHONE USE
By providing a cell phone number, you are agreeing to receive promotions from us and our partners on your mobile phone. We do not charge you to participate in this program. Under no circumstances will we be responsible for fees that your wireless carrier or other third parties may charge you for use of the Service.