BSL Financial Services collects the information from you that we need to administer our business and to provide services to you. The information we collect depends on whether you are a visitor to our Web site, an applicant for a loan, or a customer.
If you are a visitor to our Web site, we automatically gather internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamps, the time and length of your visit, the pages you look at on our sites, and store these data in log files. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site, to develop ideas for improving our sites, for marketing purposes, and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.
If you are an applicant for a loan, we collect visitor information as well as your email address and all non-public personal information you provide on your loan application including your Social Security Number. In addition, we may receive information from a consumer reportig agency including your credit history and creditworthiness. We may store and use this information to process your application and to contact you regarding your application, even if you have not completed all of the loan application, and for our marketing purposes.
If you are a customer, a past or present loan applicant who is approved for a loan, we collect the same information as for a loan applicant as well as information needed to process your loan including information needed for electronic payment or collection (Automated Clearing House, ACH, transactions), your transaction history with us (your payment history, account balance, account activity, etc.), and, possibly, electronically signed agreements.
If you choose to give us any personal information, we may store it and use it for marketing and marketing research, as well as to complete your transaction and to provide services to you..
The cookie itself does not identify you, your email address or any other personal information. We use the session information in the cookie to help us improve the site and our service, and to provide you with a better experience while on our site. Even without accepting a cookie you can still access most of the information on our site. However, you will not be able to apply for a loan.
We maintain physical, electronic, and procedural safeguards to comply with Federal and California regulations to protect your non-public personal information from unauthorized access.
To provide security for the information you give us, PinkSlipLoan.com uses Secure Sockets Layer (SSL) technology. SSL establishes a secure connection between your computer and ours so that only PinkSlipLoan.com will be able to decode your information. When you fill in a form on our Web site, all of the information you enter on the form is encrypted while it is on your computer and is transferred to our computers via an SSL connection. Similarly, any information we send you from our computers over an SSL connection is encrypted while it is travelling over the Internet and then decrypted on your computer.
You can tell that your connection is secure simply by looking to the right of the URL address you entered or at the lower right corner of your browser before sending any information to PinkSlipLoan.com. If you see a closed lock or an unbroken key (depending on what browser you are using), your connection is secure and your information is safe.
While we strive to safeguard your personal information from access by unauthorized individuals. It is possible, though unlikely, that an unintended third party could access this information. Your use of our Web site and disclosure of your personal information at our Web site and email sent to you using an email address you provided us is at your own risk. If you do not want to use our Web site and email, we provide you alternative ways to transact business with us. We do not guarantee the security of any information you provide, although we use commercially reasonable efforts to safeguard your information.
We restrict access to your non-public personal information to (a) employees who have a need to know your information to provide services to you, (b) third-party organizations and financial service providers that deliver services to BSL Financial Services, like consumer credit reporting agencies, (c) to any organization we find necessary to use to administer, enforce, or otherwise enable your transaction or one that you have authorized, and (d) marketing partners not affiliated with us. When we third-party organizations to provide services instead of doing it ourselves, we request that they protect the confidentiality of personal information they receive as required by law. We are permitted under the law to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information to comply with certain laws, such as the Fair Credit Reporting Act, or to respond to subpoenas or to respond to our California regulators. If you do not opt-out, occaisionaly we may tell you about special offers from other non-affiliated companies that we think may interest you. If you do not respond to offers from these other companies, they will not learn about your relationship with us.
California residents have the right to receive information identifying each third party company to which we have disclosed, within the past calendar year, your personal information, including information pertaining to your family, for the company to provide services or for marketing purposes. Additionally, California residents have the right to receive a description of the categories of personal information disclosed. You must make a request in writing to obtain such information. Your request must include your name, your mailing address, and your user name at our Web site, if you registered at our site, or your request will not be processed. We will only honor such requests once per calendar year. We will not accept requests made by email. Please mail your request to the address listed on our Contact Us page and put on the envelope "Attention: Information Disclosure".
If you choose to use our referral service to tell a friend about our site, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. BSL Financial Services uses this information for the sole purpose of sending this one-time email. We do not store this information in a database.
By communicating positive comments to BSL Financial Services regarding BSL Financial Services's products and services you consent to allow BSL Financial Services to use those comments in whole or in part in BSL Financial Services's promotional materials as well as third-party materials promoting BSL Financial Services products. BSL Financial Services shall never use your full name, only your initials or first name and the initial of your last name and location, when identifying the source of the comments.