Privacy Policy

Effective Date:   January 10, 2007

Please Read Carefully

This is the privacy policy (“Privacy Policy”), effective as of January 10, 2007, for the Web site available at http://www.InitialLendingGroup.com (the “Site”) made available by Initial Lending Group, LLC., the legal owner of the Site and its affiliated companies (“ILG”, “we”, “us” or “our”).  This Privacy Policy sets forth our policies regarding the collection, use and disclosure of certain information relating to your use of the Site.  Your use of this Site signifies your understanding and acceptance of the terms of this Privacy Policy.
We recognize the importance of protecting your privacy and our Privacy Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us, and to assist you in making informed decisions when using the Site.  This Privacy Policy will be continuously assessed against new technologies, business practices and our clients’ needs.  As we update and diversify our products and services, this Privacy Policy may evolve.  Please check this page for updates periodically.  We will try to post any changes to this Privacy Policy before they become effective.  If we make any material changes to this Privacy Policy, we will notify you here, by email or by means of a notice on our Site’s home page. 
If you have questions or concerns regarding this Privacy Policy or wish to exclude your personal information from our direct marketing purposes, please feel free to contact us at WebMarketing@Initiallendinggroup.com or by writing to us at Director of Web Marketing, Initial Lending Group, LLC., 8889 E. Bell Rd. Suite 102 Scottsdale, AZ 85260.
Please note: by using or registering with our Site or by providing personal information, you agree to the terms of this Privacy Policy.

The types of information we collect

We have several areas where you can submit information to us, and we also have features that automatically collect information from the users of our Site.  References to “personal and account information” contained in this Privacy Policy means your name, company name, account number, address, telephone number, e-mail address and any other information that personally identifies you or would permit us to contact you.  

Contacting Us:  You are always free to contact us with a question or problem related to your use of the Site.  Our standard business practice is to retain any communications from our Site visitors to help us to serve each of you better.
 Third-party information provided to us.

Third Party Usage:  You may also separately share your information with other Web sites or entities, such as those that create professional marketing lists, to receive special offers and promotions from their affiliates.  These Web sites or entities may agree to share your information with us.  Whether or not any third party actually shares your information with us and to what extent they do share your information with us will depend on their agreement with us and their respective privacy policies.  Initial Lending Group is not responsible for, and will assume no liability if a partner or other Web site or entity collects, uses or shares, any information about you in violation of its own privacy policy, or applicable law.

Marketing Data:  We may purchase marketing data from third parties and add it to our existing user database to better target our advertising and to provide pertinent offers in which we think you would be interested.  We may also associate this marketing data to the personally identifiable information that you provide to us.

Automatic Data Collection

Cookies:  We use what are commonly called cookies when you use our Site.  We use these cookies to identify you as a valid user, to ensure that no one else can sign on simultaneously with your account from another computer and to help us serve you better based on your registration preferences.  We may also use cookies to help us facilitate any promotions or surveys that we provide. 

Performance tracking:  We sometimes use cookies, as well as tracking technology, such as web beacons, within the promotional emails that we send to our subscribers or advertisements for our Site.  These performance tracking devices help us to track whether an e-mail recipient has completed an event, such as signing up for a free trial for example.  Such information is non-personally identifying and collected on an aggregate level.  We sometimes utilize third party service providers to help us track the activity within our Site.  These third parties may use temporary cookies and/or web beaconing technology to facilitate such tracking but the data would not be tracked in a personally identifiable way.  Third parties whose products or services are accessible on our Site may also use cookies, and we advise you to check their privacy policies for information about their cookies and other privacy practices.

When and with Whom We May Share Your Information 
Vendors:  We may share your personal information with companies acting as our authorized agents in providing our service (e.g., credit card processing, customer/support services) to you, all of which agree to use it only for such specified purposes.  Each vendor must agree to implement and maintain reasonable security procedures and practices appropriate to the nature of your information in order to protect your personal information from unauthorized access, destruction, use, modification or disclosure.  Because we operate globally, we may transfer your information to countries or jurisdictions that do not provide the same level of data protection as the country in which you are based.  If we make such a transfer, we will, or our vendors will, as applicable, provide for the proper safeguards required by applicable law to ensure that your information is protected.

Legally compelled disclosure:  We will also disclose your personal information when required to do so by law, for example, in response to a court order or a subpoena or other legal obligation, in response to a law enforcement agency's request, or in special cases when we have reason to believe that disclosing your personal information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (whether intentionally or unintentionally) our rights or property.

Bankruptcy:  You should also be aware that courts of equity, such as U.S. Bankruptcy Courts, may have the authority under certain circumstances to permit your personal information to be shared or transferred to third parties without your permission.

Consent to processing:  By providing any personal information to us, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories.  Your personal information will be stored and processed on our computers in the United States. The laws on holding personal information in the United States may vary and be less stringent than laws of your state or country.  We will use commercially reasonable efforts to hold and transmit your personal information in a safe, confidential and secure environment.  If you object to your personal information being transferred or used in this manner please do not use the Site.  

Security: Initial Lending Group endeavors to protect the security of your personal information and your choices for its intended use. We use Secure Socket Layers or SSL technology to protect the transmission of sensitive personal information.  We store your personal information on a secure server, and use procedures designed to protect the personal information we collect from unauthorized access, destruction, use, modification or disclosure.