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1. INTRODUCTION.
LenderExchange, LLC, a Delaware limited liability company ("us," "we", or "LenderExchange") is committed to respecting the privacy rights of its Members, Providers, visitors, and other users (collectively, "Users") of the our website located at www.lenderexchange.com ("the Site"). If you are a User, you have agreed and are additionally subject to the Terms of Service, which incorporates this Privacy Policy by reference. We created this Website Privacy Policy ("Privacy Policy") to give you confidence as you visit and use the Site, and to demonstrate our commitment to fair information practices and the protection of privacy. We gather personal information about Users in order to provide services, comply with laws, and improve our product offerings.This Privacy Policy is only applicable to the Site, and not to any other websites that you may be able to access from the Site, each of which may have data collection, storage, and use practices and policies that differ materially from this Privacy Policy. You should check the privacy policy of a Lender in our directory prior to engaging with them.
2. INFORMATION COLLECTION PRACTICES
2.1 TYPES OF INFORMATION COLLECTED
(a) TRAFFIC DATA COLLECTED. We automatically track and collect the following categories of information when you visit our Site: (1) IP addresses; (2) domain servers; (3) types of computers accessing the Site; and (4) types of web browsers used by Users to access the Site (collectively "Traffic Data"). This Traffic Data does not personally identify you and is primarily used to control spam and forum posting abuse, identify Internet traffic sources and routes, generate anonymous analytic data, and otherwise improve the quality of the user experience. We also use clearly identified cookies to customize content specific to your interests, to ensure that you do not see the same advertisement repeatedly, and to store your password so you do not have to re-enter it each time you visit the Site (see Section 5 below).(b) PERSONAL INFORMATION COLLECTED. In order for you to access certain features of the Site, we require you to provide us with certain information that personally identifies you ("Personal Information"). Personal Information includes the following categories of information: (1) Contact Data (such as your name, mailing address, e-mail address, user name and password) and (2) Financial Data (such as your credit card number and billing address). If you communicate with us by e-mail, post messages to any of our chat groups, bulletin boards, or forums, fill out financial data forms, use the LX Personal Messaging System, or otherwise complete online forms or surveys, any information provided in such communication may be collected as Personal Information.
2.2 USES OF INFORMATION COLLECTED
(a) LENDEREXCHANGE USE OF INFORMATION. We use Contact Data to send you information about LenderExchange and our products or services, create and manage your account, provide customer service, administer or process a transaction, fulfill support requests, and to contact you when necessary.(b) SHARING OF PERSONAL INFORMATION. Except as set out in this Privacy Policy, LenderExchange does not disclose or sell your personal information to any third-parties.
We may disclose your personal information to contracted third-party service providers who perform services on our behalf. For example, we may hire other companies to handle our account processing, data storage, website hosting, order fulfillment and marketing, etc. Those third-party service providers (i) shall be permitted to obtain only the personal information they need to provide the service, (ii) must protect personal information to the same extent as LenderExchange, and (iii) shall be prohibited from using it for any other purpose.
This Privacy Policy is only applicable to the Site, and not to any other websites that you may be able to access from the Site, each of which may have data collection, storage, and use practices and policies that differ materially from this Privacy Policy. You should check the privacy policy of a Lender in our directory prior to engaging with them.
3. ACCESSING YOUR PERSONAL INFORMATION
If you would like to review or revise information that you previously provided to us, you may access and change your personal information in the myLX Edit Profile section by logging in. You may also contact Customer Service at 1-888-863-3188 or e-mail support@lenderexchange.com for further assistance.4. PERSONAL INFORMATION PREFERENCES
LenderExchange respects your right to make choices about the use and disclosure of your personal information. If at any time you decide that you do not want to receive marketing communications from us, please let us know by contacting us at unsubscribe@lenderexchange.com.If you choose not to receive marketing communications, please be advised that you will continue to receive transactional or account communications (e.g., confirmation emails and invoices).
5. USE OF COOKIES AND OTHER TECHNOLOGIES
LenderExchange uses cookies to enable you to sign in to our services and to help personalize your online experience. A cookie is a small text file that is placed on your hard drive, and accessible via your browser Options menu. Cookies contain information, including personal information that can later be read by a web server in the domain that issued the cookie to you. The information that cookies collect may include the date and time of your visit, your registration information, session identification number and your navigational history and preferences.Cookies offer you many conveniences. They allow us to identify registered users when they return to the site so that they can retrieve previous image search results and view their previous account balances. Cookies also save you time by eliminating the need to repeatedly enter the same information.
In some cases, our third-party service providers may use cookies on our Site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by LenderExchange only, and does not cover the use of cookies by third parties.
You have the ability to accept or decline cookies. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, you may not be able to sign in or use other interactive features of our Site and services that depend on cookies but you will be able to perform basic navigation through the Site.
In addition to cookies, we, and our web analytics partners such as Google and Compete.com may use other technologies, including single-pixel gifs (also known as web beacons) on our websites and in promotional e-mail messages or newsletters. These tiny electronic images assist us in determining how many users have visited certain pages or opened messages or newsletters. We do not use these images to collect personal information.
6. SECURITY OF YOUR PERSONAL INFORMATION
The security of your personal information is important to us. We follow generally accepted industry standards to help protect your personal information including without limitation:- limiting access to your personal information to those of our employees who require it to provide services to you;
- requiring employees to sign confidentiality agreements to protect customer and other confidential information;
- ensuring that third-party service providers sign confidentiality agreements to maintain the confidentiality of your personal information and not to use it for any unauthorized purposes;
- encrypting credit card information on our order forms using secure socket layer (SSL) technology; and
- storing your personal information in secure computer systems which protect it from unauthorized access or use.
No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.
If a password is used to protect your account and personal information, it is your responsibility to keep your password confidential.
Except as otherwise provided in this Privacy Policy, we will keep your Personal Information private and will not share it with third parties, unless such disclosure is necessary to: (a) comply with a court order or other legal process; (b) protect our rights or property; or (c) enforce our Terms of Use.
We will retain your information for a reasonable period or as long as the law requires. If you are a Member or Provider, LenderExchange may retain your information for its business purposes if you cease to be a member of LenderExchange, provided that LenderExchange will protect all such information about you in accordance with this Privacy Policy.
