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Privacy Policy

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LoanShepherd.com ("LoanShepherd") is committed to respecting the privacy rights of users of the LoanShepherd.com website (the "Website"). LoanShepherd created this privacy policy (the "Privacy Policy") to give you confidence as you visit and use the Website, and to demonstrate its commitment to fair information practices and to the protection of privacy.


This Privacy Policy applies whether you are accessing the Website via a personal computer, a mobile device or any other technology or devices now known or hereafter developed or discovered. This Privacy Policy is only applicable to the Website and not to any websites owned by LoanShepherd's parent companies, subsidiaries or affiliates or other third-parties.


BY USING THE WEBSITE, YOU REPRESENT AND WARRANT THAT: (1) YOU ARE AT LEAST 18 YEARS OLD, A RESIDENT OF THE UNITED STATES, AND ARE OTHERWISE LEGALLY QUALIFIED TO ENTER INTO AND FORM CONTRACTS UNDER APPLICABLE LAW; AND (2) YOU HAVE READ AND UNDERSTOOD, AND AGREE TO THE TERMS OF, THIS PRIVACY POLICY. IF YOU DO NOT UNDERSTAND OR DO NOT AGREE TO BE BOUND BY THIS PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE.


Each time you use the Website, the then-current version of this Privacy Policy will apply. Accordingly, each time you use the Website you should check the date of this Privacy Policy (which appears at the end) and review any changes since the last time you used the Website. For additional information, see the section concerning Updates and Changes to Privacy Policy, below.


U.S. GOVERNING LAW



The Website is designed and targeted to U.S. audiences and is governed by and operated in accordance with the laws of the U.S. LoanShepherd makes no representation that this Website is operated in accordance with the laws or regulations of, or governed by, other nations.



If you are located in the European Union or elsewhere outside of the U.S., you access and use the Website at your own risk and initiative and you, not us, are responsible for compliance with any applicable local and national laws. By using the Website and/or providing us with your Personal Information (as defined in Section 3(e), below), you: (1) consent to the transfers and processing of any Personal Information you provide to the Website; (2) acknowledge that U.S. law provides a lower standard of protection for personal data than the laws of various countries including, but not limited to, the European Union; and (3) understand that the Website will deal with your Personal Information in accordance with this Privacy Policy and U.S. law. CONSEQUENTLY, YOU HEREBY WAIVE ANY CLAIMS THAT MAY ARISE UNDER THE LAWS AND REGULATIONS THAT APPLY TO YOU IN OR OF ANY OTHER COUNTRY OR JURISDICTION.


PERSONAL INFORMATON


Generally. LoanShepherd uses your Personal Information and Financial Information to identify you, to confirm facts about you, to send you information about LoanShepherd and LoanShepherd' products and services, and to contact you when necessary in connection with your use of the website. LoanShepherd uses your Demographic Data to customize and tailor your experience on the Website. As with Traffic Data and information gathered using Cookies and Web Beacons, from time to time LoanShepherd may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.


Disclosure Practices. Except under the following circumstances, LoanShepherd will keep your Personal Information private, and will not sell or otherwise share it with third parties:


Disclosure to Parent Companies, Subsidiaries and Affiliates. LoanShepherd discloses Personal Information to its parent companies, subsidiaries and affiliates for marketing and/or administrative purposes.


Disclosure to Lenders. LoanShepherd refers consumers to lenders who provide short-term loans. LoanShepherd discloses Personal Information to Lenders, who use your Personal Information to identify you, to confirm facts about you, to deliver financial products and services to you, to help assess requests for financial products and services, and as necessary to service your loan.


Marketing Communications. LoanShepherd provides your Personal Information to third parties, so that they may contact you directly, online and offline, with information about additional products and services ("Marketing Communications"). You may opt-out of having your Personal Information provided to third parties for the purpose of Marketing Communications by clicking here and following the opt-out instructions. Even after opting-out, you may continue to receive Marketing Communications from third parties to whom LoanShepherd has already has provided your Personal Information. You will be responsible for contacting those third parties directly to request that you receive no further Marketing Communications.


Disclosure in Connection with Services. LoanShepherd discloses Personal Information to those who help it provide Services, including those who perform technical, administrative and data processing tasks such as ad serving email management, hosting, billing, fulfillment, and data storage and security.


By Law or to Protect Rights. LoanShepherd discloses Personal Information when required to do so by law, or in response to a subpoena or court order, or when LoanShepherd believes in its sole discretion that disclosure is reasonably necessary to protect the property or rights of LoanShepherd, third parties or the public at large.


Business Transfers; Bankruptcy. LoanShepherd reserves the right to transfer all Personal Information in its possession to a successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of LoanShepherd' assets. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred Personal Information will be subject to this Privacy Policy, or to a new privacy policy if you are given notice of that new privacy policy and an opportunity to affirmatively opt-out of it. Personal Information submitted or collected after a transfer, however, may be subject to a new privacy policy adopted by LoanShepherd' successor organization.



UPDATES AND CHANGES TO PRIVACY POLICY


Although most changes are likely to be minor, LoanShepherd reserves the right, at any time and without notice, to add to, update, change or modify this Privacy Policy, simply by posting such update, change or modification on this page. Any such addition, update, change or modification will be effective immediately upon posting on the Website. Each time you use the Website, the then-current version of this Privacy Policy will apply. Accordingly, each time you use the Website you should check the date of this Privacy Policy (which appears at the end) and review any changes since the last time you used the Website. Unless LoanShepherd obtains your express consent, any revised Privacy Policy will apply only to information collected after the effective date of such revised Privacy Policy, and not to information collected under any earlier Privacy Policy.


Effective Date: November 3rd 2013

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