Information We Collect We may collect information from you when you visit our website, fill out a form on our website, subscription we may offer, and of course when you apply for a loan. We may use this information in any one or more of the following ways:
- Data received from applications, surveys, online registrations or other forms
- Transactions as they pertain to us, our affiliates or others
- Credit history, scores, and other info from consumer reporting agencies
- Employment history, loan balances, property insurance coverage, etc.
Information about your creditworthiness, credit history and other facts we obtain from consumer reporting agencies or from providers of marketing and demographic information As a result of The Fair Credit Reporting Act you have the opportunity to limit the sharing of “non- experience information” with MonsterLoans’ affiliates. This includes information that may or may not be used for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
- From your applications, such as your income or marital status
- From a credit report, such as your credit history
- From sources used to verify representations made by you, such as your open lines of credit or employment history
- From sources used to verify representations made by you, such as your open lines of credit or employment history • We may also share the customer information we collect with:
- Affiliate companies providing financial and other services, such as mortgage lenders, insurance agencies, home security companies, lawn care and pest control companies and residential homebuilders.
- To opt out of our list, you may contact us toll-free at 866-808-0377.
Safeguarding your Personal Information: This could consist of your name, email address, mailing address or a phone number that you enter on our website. (Of course, you are free to visit our website without entering any of that information.) In connection with a loan application or transaction, you might enter additional information, which could include your social security number, your financial information, email addresses and phone numbers, etc.
Web-Related Information Collected
Log Files: Like many other web sites, monsterloans.com web site makes use of log files. These files merely log visitors to the site — usually a standard procedure for hosting companies and a part of hosting service’s analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
USER INFORMATION: We also may collect your personal information from others, such as credit bureaus, affiliates, or other companies. We and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with the us (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with us. The Usage Information may include, but is not limited to, your browser type, operating system, software version, Internet Protocol (“IP”) address or other unique identifier for your Device, Device location and other Device characteristics. Various methods and technologies to store or collect Usage Information may be used such as cookies and web beacons (also see above section on cookies and web beacons). You may adjust your browser or operating system settings to limit this tracking or to decline cookies, but by doing so, you may not be able to use certain features on the company site or take full advantage of all of our offerings. Check the “Help” menu of your browser or operating system to learn how to adjust your tracking settings or cookie preferences. Please note that our system may not respond to Do Not Track requests or headers from some or all browsers.
HOW WE USE AND DISCLOSE YOUR NON-PUBLIC INFORMATION
We will use and share any information that we collect from or about you in accordance with the Consumer Privacy Notice (which provides choices in the use and sharing of information). The Consumer Privacy Notice can be found here: Consumer Privacy Notice: . We use a variety of security measures to maintain the safety of any non-public information you may send to us or enter on our website.
PERSONAL FINANCIAL INFORMATION
Any personal financial information you share with us (e.g., social security numbers, financial information, credit card numbers) will be saved, if at all, on a secured website and/or server. This information will only be available to our employees and affiliates, persons or entities providing services in connection with your loan that have a need to know the information, entities that may acquire or service your loan, or our attorneys, accountants and auditors, all of whom agree to and are bound to keep your information secure and confidential. We may also provide your personal financial information to government agencies to fulfill legal, reporting and regulatory requirements, or in response to government authorized requests for information (like subpoenas or civil investigative demands).
OTHER NON-PUBLIC INFORMATION: We may share some of the non-public information we collect about you with third parties, like companies performing services on our behalf, so long as those parties agree to keep your information confidential. We may also release your non-public information when we believe the release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety. Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
California DO NOT TRACK DISCLOSURES: Monster Loans does not track its customers over time and across third party websites, and therefore does not respond to Do Not Track (DNT) signals. However, MonsterLoans may use third-party services or have third-party advertising partners who may keep track of your browsing activities.
CALIFORNIA: Other important information for California residents. If you are a California resident, you have the right to receive:
- Information identifying any third party company(ies) to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for the company’s provision of services or marketing purposes; and
- A description of the categories of personal information disclosed.