Privacy Policy
Last Updated: 12/01/2024
Ensuring the privacy and confidentiality of the personal information submitted by our website users (“you” or “your”) is important to Lending Arts (“Lending Arts,” “we,” “us” or “our”).
Questions
If you have questions or comments regarding our Lending Arts Website Privacy Policy, please mail, email or call us at:
Lending Arts
By Mail: PO Box 06969 Lakewood, CO 80227
By Email: info@lendingarts.com
By Phone Toll Free: 1-888-504-1427
This Lending Arts Website Privacy Policy describes our privacy and security practices concerning the information we collect in connection with the Lending Arts website, located at www.lendingarts.com (“Website”). By visiting our website, you acknowledge your agreement to be bound by the practices described in this Lending Arts Website Privacy Policy. This Lending Arts Website Privacy Policy explains our online practices, including how we collect, use, and protect your information. The Lending Arts Website Privacy Policy may be changed or updated at the sole discretion of us without prior notice to you. Our Lending Arts Website Privacy Policy applies to all actual or potential consumers who visit or use our Website, and we encourage you to read through and review it each time you access the Website. If you do not agree with this Lending Arts Website Privacy Policy, we ask that you not use the Website.
What Information Do We Collect?
We collect both personal information and non-public-personal information (“NPPI”) from and about our Website users.
“Personal Information” means personally identifiable information, which is information that we can directly associate with a specific person without additional information.
“Non-Personal Information” is information that we cannot directly associate without cross-checking it with additional information from other sources. When we combine Personal Information and non-public-personal information, we treat the combined information as Personal Information.
Certain Personal Information that you provide to us or to our business partners in order to receive a financial product or service may be considered non-public personal information (“NPPI”) under the federal Gramm-Leach-Bliley Act (“GLBA”) and certain state laws. When you enter into a financial relationship with us (and, in any event, before we disclose NPPI in a manner that requires us to provide you with an opportunity to opt-out of such disclosure), we will provide you with a separate GLBA notice, which is entitled “What Does Lending Arts Do With Your Personal Information?” (the “GLBA Privacy Notice”).
Collection and Use of Personal Information:
You can visit our Website without submitting any personal information. However, if you use certain features, such as completing and submitting our contact form, you will be required to provide personal information. Below is a list of the type of information we may collect:
Your Name, Your Date of Birth, Your Address, Your Vehicle Information, Your Email Address
We may combine Personal Information collected through the Website with other information that we, or third parties collect about you through our interactions with you using other communications methods such as email or on the phone. As discussed above, all combined information is treated as your personal information.
We may use the Personal Information as follows:
We share Personal Information with lenders in our network to fulfill a user’s request for a loan, and with our service providers to process a loan. We do not share Personal Information about users, except as described in this Lending Arts Website Privacy Policy, our GLBA Privacy Notice, or as otherwise permitted or required by law. For more detail on how we may share Personal Information, please see our GLBA Privacy Notice.
To respond to your request(s); For risk control, fraud detection and prevention; To comply with laws and regulations; To provide various lending services to you; To personalize your experience on our Website; For general business purposes such as data analysis, providing and enhancing our products and services, and For enhancing the user experience of our Website;
Non-Discrimination:
You have the right to receive non-discriminatory treatment from Lending Arts for the exercise of the privacy rights you have under the CCPA.
Collection and Use of Non-Personal Information:
We employ commonly-used tools to collect non-personal information as users navigate our Website, such as cookies. Below is a list of the type of non-personal information we may collect:
Information commonly collected through cookies and similar technologies; Your IP address; Device identifier information; The date and time you visit our Website; Your Web Browser type and other Web Browser information; Websites you may have visited before visiting our Website.
We may use the non-personal information as follows:
IP Addresses: When you visit the Lending Arts, we collect your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, Lending Arts uses IP addresses to monitor the regions from which users navigate the Website.
Cookies: Lending Arts uses cookies to improve the experience of our Website visitors, to evaluate our product and service conversion paths and durations, and optimize the design and content of our website. When a user visits the Website, Lending Arts’ servers send a cookie to the user’s computer. Cookies, by themselves, recognize a user’s web browser and do not personally identify individual users. Unless a Website user chooses to identify himself or herself to Lending Arts, such as by filling out a web form, users remain anonymous to Lending Arts.
There are two types of cookies: session cookies and persistent cookies. Session cookies are transient and exist only during one session. They disappear from a Website user’s computer when the user closes his or her browser software or turns off his or her computer. Persistent cookies remain on a user’s computer after the user closes his or her browser or turns off his or her computer.
Third-Party Cookies: Lending Arts may periodically engage third-party service providers to track and analyze non-personal statistical usage and traffic information from Website visitors. The information provided to such third parties does not include personal information, but this information may be re-associated with personal information after Lending Arts receives it. Lending Arts may also use other third-party cookies to track and evaluate our advertising. This Privacy Policy does not cover the use of third-party cookies.
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Interest-Based Advertising:
Interest-based advertising, also known as “online behavioral advertising”, uses information collected across multiple websites that you visit in order to help predict your preferences and show you advertisements that are likely to be of interest to you. Third parties, including our service providers, use cookies and other tracking technologies to collect information about your online activities over time and across different websites, including when you visit our Website. We use this information to provide relevant marketing to you when you visit our Website or third-party websites. We also use third-party web beacons on our Website and on other sites to assist in managing and optimizing our online advertising. These third-party cookies and other devices do not contain personally identifiable information about you.
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We use non-personal information to recognize previous Website visitors when they return to our Website, to analyze how users use our Website, to enhance the experience of users with our Website, and to improve and enhance our Website. We may also combine non-personal information with Personal Information for the above purposes, and whenever we do so we will treat the combined information as Personal Information, as described above.
If required by law, whenever Lending Arts reasonably believes that disclosure is necessary to protect Lending Arts’ rights, or to comply with a judicial proceeding, court order, or legal process, Lending Arts reserves the right to disclose personally-identifiable information provided by users.
We share non-personal information with certain third parties for the purposes describe above. This includes such purposes as analysis, audit, research and website usage reporting. Lending Arts also uses third-party service providers to help us manage and improve the Website and other Lending Arts services. For example, we use third parties to host our website and other software used to fulfill requested Lending Services, and to help us target and implement our various communications.
Do Not Track / Opt-Out
We may use Google and other third parties to serve ads to our Website users after visiting our website. For more information on how to opt-out of such advertising performed by companies participating in industry self-regulation, please visit the following URL: http://optout.aboutads.info.
Our Website is not programmed to respond to “Do Not Track” signals or other similar mechanisms on any internet browsers. The Website may track information listed in this policy, but our tracking system will not track your activities on the Website if your browser is set to “incognito,” “private,” “do not track” or other similar setting.
The Website also enables third-party tracking to collect your non-personal information for use in online behavioral advertising. Third-party advertising networks might use information about your use of our Website to help serve Lending Arts advertisements based on your general online behavior. For information about behavioral advertising practices, including privacy and confidentiality, visit the Digital Advertising Alliance website or the Network Advertising Initiative website.
The use of online tracking mechanisms by third parties is subject to the privacy policies of said third parties, not subject to this Lending Arts Privacy Policy. You may remove yourself from the targeted advertising of companies within the Network Advertising Initiative by contacting them at https://optout.networkadvertising.org/. You may opt out from companies participating in the Digital Advertising Alliance program by contacting them at https://optout.aboutads.info/. you may set your browser to block cookies if you prefer to prevent third parties from setting and accessing cookies on your computer. Although our website currently does not respond to “do not track” browser settings, you can limit tracking through these third-party programs and by taking the other steps discussed above.
Personal Information for Minors
All services provided by Lending Arts are intended for use by individuals who are at least 18 years old and who are legally capable of entering into a contract. If you are legally considered a minor in your state of residence and are visiting or otherwise using the Website, we expressly prohibit you from using our services and advise you NOT to disclose or provide any personally identifiable information to us either through the Website or via any other means. Any person under the age of 18 should not be visiting the Website and/or submitting personal information to us. We do not knowingly collect or retain personal information from minors of any age. If you are under the age of 13 and are visiting or otherwise using the Website, we expressly prohibit you from using our services and advise you NOT to disclose or provide any personally identifiable information to us either through the Website or via any other means.
How We Protect Your Information
We use commercially reasonable physical, electronic, and procedural safeguards to protect your personal information against loss or unauthorized access, use, modification, or deletion. However, no security program is foolproof, and thus we cannot guarantee the absolute security of your personal or other information.
Changes to this Statement
Lending Arts may, from time to time, update or change this Lending Arts Website Privacy Policy, so you should review it periodically. Your continued use of the Website after any changes are posted will be deemed to constitute your agreement to, and acceptance of, such changes to this Lending Arts Website Privacy Policy. The effective date of this Lending Arts Website Privacy Policy is shown above, at the top of this Lending Arts Website Privacy Policy. This date indicates the date of the most recent revision.
CALIFORNIA CONSUMER PRIVACY NOTICE
This Notice is required by the California Consumer Privacy Act of 2018 (“CCPA”) which is effective January 1, 2020. This Notice was last updated on 12/01/2024. For purposes of this Notice only, “consumer” or “you” means individuals who are in California for other than a temporary or transitory purpose, and individuals who are domiciled in California who are outside California for a temporary or transitory purpose.
Your Rights under the CCPA
California Civil Code § 1798.83 permits our Website visitors who are California residents to request certain information regarding the disclosure of personal information to third parties for their marketing purposes. To make such a request, please send an email to: info@lendingarts.com or call us: 1-888-504-1427.
You have the right to request that Lending Arts disclose what personal information it collects, uses, discloses, and sells. You have a right to request the deletion of your personal information collected or maintained by Lending Arts.
You have the right to opt-out of the sale of your personal information by Lending Arts. To opt-out, please email your request to info@lendingarts.com or call us at 1-888-504-1427.
To submit a verifiable consumer request to know, please email your request to info@lendingarts.com or call us at 1-888-504-1427. To verify your request, we will match your full name, date of birth, and last four digits of Social Security Number to information that we have collected about you.
To submit a request to delete your personal information we have collected, please email your request to info@lendingarts.com or call us at 1-888-504-1427. To verify your request, we will match your full name, date of birth, and last four digits of Social Security Number to information that we have collected about you
We have collected the following personal information about consumers in the preceding 12 months:
Identifiers such as a real names, name alias’, postal addresses, unique personal identifiers, online identifiers, IP addresses, email addresses, account names, Social Security numbers, driver’s license numbers.
Lending Arts does not sell personal information, and Lending Arts does not sell the personal information of minors who accidentally or purposefully submit such information to us. To opt-out of the sale of your personal information you may email your request to info@lendingarts.com or call us at 1-888-504-1427. To verify your request, we will match your full name, date of birth, and last four digits of Social Security Number to information that we have collected about you.
Authorized Agents:
You may designate an authorized agent to make a request to Lending Arts under the CCPA on your behalf. To designate an authorized agent, Lending Arts may require you to provide written permission to the authorized agent. Additionally. the authorized agent may need to verify his/her own identity directly with us by providing whatever reasonable documentation we request. This CCPA-authorized-agent-designation process does not apply when you have provided the authorized agent with a power of attorney pursuant to Probate Code Sections 4000 to 4465.