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Privacy Policy
- What Personal Information We Collect
- Where Do We Collection Your Personal Information
- How We Use Your Personal Information
- Links to Other Sites
- How We Protect the Security of Your Personal Information
- Cookies and Other Computer Information
- How can I decide what communications I will receive?
- More About Your Privacy
What Personal Information We Collect
We collect personal information that you choose to provide voluntarily when using our web sites. This information includes your name and email address when requesting an e-book, or all of the financial information you provide when applying for a loan or starting our pre-screening process. We may also ask for personal information when you contact our Customer Service department.
Our web sites do not intentionally solicit or collect personal information about minors under the age of 18. If you are under 18 and would like to use our web site, please ask a parent or guardian for assistance.
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Where do we collect your personal information?
When you apply for a line of credit, we request your name, co-borrower’s name, email address, mailing address, phone number, information regarding liens on your property, and other loan application related information.
When you ask for a free e-book about lines of credit, we ask for your name, and email address.How We Use Your Personal Information
Information we collect on our web sites may be used to enhance your experience in the following ways:
- Make your loan inquiry process easier via our pre-screening process
- Give enough information to a loan consultant that he/she can speak with you about your situation
- Respond to your inquiries or requests
- Communicate special offers and featured items to you
Following the completion of an application, or the request of a free e-book on our site, some personal information is collected and stored in a database system both in our office, and on a third party database system. The third party database system is an auto responder, which executes a pre-loaded marketing campaign composed of form letter emails designed to continue your interest in lines of credit or mortgage loans, and to entice you to email, call, or return to the website. We also may use this information to send you postal mail, special promotional offers, or to telephone you in an attempt to generate further interest. You may “opt-out” or choose to be excluded from these communications by clicking on the link at the bottom of these emails and then selection the opt-out option.
Links to Other Sites
Please note that our site links to other sites and that the privacy policies of these sites may differ from ours. We advise you to check the privacy policies of other Web sites before disclosing any personal information. In any event, please note that these sites do not share your personal information with us.
Occasionally when linking to another site, you may still see our site's logo or frame. This is to provide you with a seamless experience when visiting our Web site. In these cases you are no longer on our site and are now on a different Web site whose information collection practices may differ from ours. The privacy policy of the site you are on will govern how information collected from you is used. You can always know what site you are on by checking the location bar within your browser.
Return to topHow We Protect the Security of Your Personal Information
The security of your personal information is very important to us. In our efforts to protect your online transactions, we use a technology called Secure Sockets Layer (SSL). If your browser is capable of SSL (and most are), your personal information will be automatically encrypted, or encoded, before it is sent over the Internet.
We have obtained a digital security certificate from Thawte, Inc., a leading provider of Internet trust services. This certificate will guarantee that your personal information is being transmitted in secure (encrypted) form to our Web servers, not to some unknown or unauthorized server. When you enter a secure portion of our site (which is any page specifically asking you for any personal financial information), an image of a closed lock should appear in your browser window.
Return to topWhat is the credit card fraud policy?
In the unlikely event that you experience unauthorized use of your credit card on our web site or any web site, promptly report the fraudulent activity to your credit card company. Under applicable law, you may be only liable for the first $50 of the fraudulent charges. Please check with your credit card company to verify specific terms and conditions.
Return to topCookies and Other Computer Information
When you visit our web sites, you will be assigned a permanent "cookie" (a small text file) to be stored on your computer's hard drive. The purpose of the cookie is to identify you when you visit our site so we can enhance and customize your online experience.
These features enabled by the cookie include include remembering your login (so you don't have to remember it) and automatically inserting your information, such as name and address into other forms in our site after you have provided the information once.. To visit without cookies, you can configure your browser to reject all cookies or notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.)
We also collect certain technical information from your computer each time you request a page during a visit to our web sites. This information includes your Internet Protocol (IP) address, your computer's operating system, browser type and the address of a referring Web site, if any. We collect this information to enhance the quality of your experienceWe use a piece of software called Webalyzer and another piece of software called WebTrends, both of which are web site analytics tools, to provide us with a data collection and reporting service regarding our customers' activities on our site. When you visit our site, we may use javascript and cookies to track and receive anonymous information about your browsing activity, requests for information, and activity related to beginning, continuing and completing our loan pre-screening process. We analytical tools to improve your online experience and to help us improve the usability of our web sites.
Return to topHow can I decide what communications I will receive?
If you would like to stop receiving promotional emails, simply follow the link at the bottom of the auto-responder emails and select the opt-out option.In order to stop receiving any calls of any kind from us, simply call a loan counselor and make your preference known. Once your telephone number has been removed from the database, you won’t receive further marketing calls.
The only phone calls or email messages you will receive from us when you elect not to receive marketing calls will be related to processing and funding any loans you may have currently in process, or to respond to your Customer Service inquiries and to answer any other questions you may have about our site.
Return to topMore About Your Privacy
We realize that making reservations at our web sites requires trust on your part. We value your trust very highly, and pledge to you that we will work to protect the security and privacy of any personal information you provide to us and that your personal information will only be used as set forth in this Policy.
Access Capital Funding plans to apply to be a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to enable individuals and organizations to establish trusting relationships based on respect for personal identity and information by promoting the use of fair information practices.Because this Web site wants to demonstrate its commitment to our users’ privacy, it has modeled it’s privacy statement after others who are TRUSTe members, and upon approval by Trustee, will agree to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.
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If there are questions or concerns regarding this statement, we ask that you first contact:
Access Capital Funding
Email: info@access-capital-funding.com
Phone: 1-303-353-5237
If satisfactory response or resolution is not received within a reasonable timeframe, once we are actually members, TRUSTe will be available as a contact. Please see additional information at TRUSTe Watchdog Dispute Resolution Process. Once members, TRUSTe will serve as a liaison with the Web site to resolve user concerns.
Return to topChanges to the Access Capital Funding Group LLC Privacy Policy
Access Capital Funding Group LLC reserves the right to change, modify or amend this policy at any time. However, if there are changes made to the use of users’ personally identifiable information in a manner different from that stated at the time of collection we will notify you by posting a notice on our Web site for 30 days. This policy was posted on December 23rd, 2005.
