Effective Date: January 10, 2007
Although we will take (and require our third-party providers to take)
commercially reasonable security precautions regarding your personal
information collected from and stored on the Site, due to the open
nature of the Internet, we cannot guarantee that any of your personal
information stored on our servers, or transmitted to or from a user,
will be free from unauthorized access, and we disclaim any liability
for any theft or loss of, unauthorized access or damage to, or interception
of any data or communications. By using the Site, you acknowledge
that you understand and agree to assume these risks.
Please Read Carefully
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”).
use and disclosure of certain information relating to your use of
the Site. Your use of this Site signifies your understanding
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.
business practices and our clients’ needs. As we update
evolve. Please check this page for updates periodically.
become effective. If we make any material changes to this
a notice on our Site’s home page.
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
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
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
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
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
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.
Site. We reserve the right, at our discretion, to change, modify,
continued use of our Site following the posting of changes to these
terms means you accept these changes.