Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers
Advertiser's Disclosure
Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR for qualified consumers
Advertiser's Disclosure
At EpikLoan.com, we are truly accountable for protection of your private information. Please study the following information to learn how we will protect your information during handling and evaluating your credit history and financial standings for potential loan opportunities. This statement covers EpikLoan.com only. Suppose there are any advancements made in the means of protecting your information. In that case, those advancements will be added to the security portion of this statement to keep you abreast of how your data will be gathered and used.
Collection Of Your Data
Any collection of data that is initiated on the EpikLoan.com website is performed with your consent. We collect data and information to better serve you with opportunities for loans that you have expressed an interest in securing. The data may be used to enhance our ability to present you with more fitting loan connections and help you better search for and locate better opportunities in the area of loans or other offerings that you seek.
Information We Collect
We collect "Personally Identifiable Information" or "PII" that can identify you, such as your first and last name, physical address, telephone number, cellular number, e-mail address, and social security number, email address, date of birth, driver's license number and state, information about homeownership, employment information, active military information, amount and frequency of paychecks, and information about your banking account. In addition, "Non-Personally Identifiable Information," or "Non-PII," is collected, which includes data about your online activity on our website that does not identify you and demographic data. The types of non-personally identifiable information that we collect (either directly, through the use of "cookies," explained in more detail below or through the use of a third-party tracking system) include the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer but with a portal through which you access the Internet. IP addresses are not linked to personally identifiable information.
"PII" is collected when you provide it to us through your use of the EpikLoan.com, for example, when you complete one or more pages of an application form to apply for a loan from a lender participating in our lender network or by sending inquiries to us via the website.
How We Use Personally-Identifiable Information
We use the personally-identifiable information you provide to us through EpikLoan.com in order to deliver the products or services you have requested; provide you with customer support; verify or review your application information to determine whether it meets eligibility requirements for participating lenders; communicate with you by email, postal mail, telephone, text, SMS and/or mobile devices about products or services that may be of interest to you either from us, our marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the web site; enforce our terms and conditions, and perform any other functions otherwise described to you at the time we collect the information.
Sharing Your Personally-Identifiable Information
Any third parties with whom we share "PII" information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once we have transferred or shared it with those third parties as described in this Policy or our Terms and Conditions.
EpikLoan.com may share your "PII" (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other third-party lenders with whom we have a business relationship. These third-party lenders may use your "PII" to offer you a personal loan or communicate with you about other business or marketing offers. In addition, we may share your "PII" (including your financial account information and social security number) with unaffiliated third-party marketers and list managers with whom we have a business relationship.
Cookies
Wherever it’s advantageous, such as on pages used to cull email addresses from users, cookies may be placed on your computer or mobile device. A "cookie" is a piece of information a website sends to your computer while you are viewing the website to remember who you are without personally identifying you. The function makes it easier for you to navigate the site, and it allows us to cut down on distracting and unwanted information that you might otherwise receive. Thus, you must have cookies enabled on your machine. Many well-known sites, such as Yahoo! Or eBay, may from time to time distribute cookies, as well. The goal is to help visitors who are using the sites achieve a specific purpose and customize their experience on the site. You have the option of blocking or removing cookies at any time that you choose.
Use Of Data
Be advised that we collect individuals’ data, and that may include email addresses. The purpose of which can be to communicate with you about your searches and inquiries and send you updated information about the site.
At times we may reveal user data that has been gathered from clients, both past and present. The data will be used in the following ways: if the client has acted unlawfully; if the company is sold to another entity or is otherwise acquired; if government officials demand data through the power of a subpoena or other legal device, or is otherwise demanded by a legislative or law enforcement branch of the government.
When agreeing to this privacy policy, you are consenting to present information recorded to or from a third-party when we, in our estimation, determine the communication of such information to be proper. That may include offering your email address to third parties for the purposes of advertising and for concealment of your email address in accordance with the provisions of the CAN-SPAM Act of 2003, as revised occasionally.
Assent
We at EpikLoan.com make all reasonable efforts to ensure that users can see and understand how their information will be used. We acquire permission from clients and others on an as-needed basis to compile, use and review an individual’s data, with the exception of circumstances that are restricted by law. Should you choose to send your data to another entity that has advertised on our site, you do so with the understanding that we have no control over that organization’s policies. It is recommended that you read that company’s information to understand its regulations and to ensure that you agree to abide by their programs. EpikLoan.com cannot be held responsible for activities of that site and the results of your efforts to make use of their services.
Log Files
We use log records, as is the case with most typical Web-based service sites. Log files incorporate IP (Internet protocol) addresses, ISPs )Internet service providers), date/time stamps. We also track users’ clicks on our website.
Opting Out
Subscribers typically receive messages that inform you about interesting and high-level opportunities and offers. If you prefer not to receive these kinds of messages by some chance, you can avoid receiving them by clicking the unsubscribe link at the bottom of all messages. We update our email database regularly, but you may continue to receive email messages from us for as many as seven business days after unsubscribing.
Editing And Rewriting Your Information
If your personal contact information should change, such as your postal address, email, or telephone number, you can update that information by sending us an email.
Data Breach
In accordance with federal and state laws, in the unlikely event that a data or security breach should occur, we will notify you and the appropriate authorities about the circumstances of the event. Notification will be sent by email.
Children's Privacy
We do not knowingly collect or retain personally identifiable information from consumers under thirteen (13). We respect children’s privacy and comply with the Children’s Online Privacy Protection Act (“COPPA”). You must be at least eighteen (18) years of age to obtain services from us.
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