Online Privacy Policy

Date of most recent update: July 7, 2015
Texas Loan Star, Inc.  (referred to in this Online Privacy Statement as we, our, or us) is committed to respecting your privacy, and we take the responsibility of protecting your personal and financial information seriously. This Online Privacy Policy applies to www.texasloanstar.com, including the web sites, features, applications, online services and functionality available via www.texasloanstar.com that post a link to this Policy, whether accessed via computer, mobile device or otherwise (collectively, the “Site”), and explains how Texas Loan Star collects, uses, and shares information from or about you when you visit the Site. The Site is owned or controlled by Texas Loan Star, Inc. and Texas Loan Star, Inc. is the commercial operator of this Site, although software, hosting and other functions and content may be provided by Texas Loan Star, Inc.’s service providers (“Service Providers”).  PLEASE CAREFULLY READ THIS STATEMENT BEFORE USING THE SITE, AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS. This Statement does not apply to any other web sites or any offline activities by Texas Loan Star, Inc. (unless specifically stated). In addition to this Policy you may receive and be covered by the Texas Loan Star, Inc. Consumer Privacy Notice, as well as other privacy disclosures that we provide to you when you apply for a loan with Texas Loan Star, Inc.

This Statement describes the types of information Texas Loan Star, Inc. collects from visitors to the Site and what we do with this information. This Statement applies solely to information that visitors provide through our Site and does not apply to other data we collect, or information visitors may provide to us through e-mail or other means.

Agreement to policy

By using this Site or interacting with a Texas Loan Star, Inc. advertisement page on a third party site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

Information Collection

When you visit our Site, we collect the IP address of the device you use to connect to the Internet. In addition, we gather information such as what browser you’re using, the type of operating system you have, and which site you came from. This information helps us tailor your online experience to best match your device.

In addition to the above information, we may also gather personal information that you provide to us, including, but not limited to, your name, address, social security number, date of birth, phone number, and email address. We may gather such information, for example, when you use the Site to apply for and/or use Texas Loan Star, Inc. ’s products and services or participate in Texas Loan Star, Inc. ’s events or promotions (including, without limitation, webinars and online surveys), or otherwise provide information requested on the Site.

Collecting this personal information enables us to offer you online experiences and products that we believe may help you with your financial needs. We use this information to better tailor and personalize our service and marketing communications with you, both online and offline. We may also use your personal information for our business purposes (for example, to develop new products, improve the Site, and analyze data collected through the Site), as well as for risk management and for legal compliance purposes.

Cookies

Cookies are pieces of information stored by your Internet browser directly on the computer you are using. Cookies are widely used and most browsers are set up to accept them automatically. The information they gather helps us improve your online experience by allowing us to collect technical and navigational information, such as browser type, time spent on our Site and pages visite.

Cookies and other technologies provide us the capability to monitor the use of our Site so we can continually improve the design and functionality to better serve you. If you would prefer, you can choose to not accept cookies. (Follow your browser’s instructions for disabling or deleting cookies.)

Please note: If you choose not to accept cookies from our Site, you may not be able to access all or part of the Site, or benefit from the information and services offered. If you choose not to accept cookies, you will still see advertisements on our site; however, they will not be tailored to our perception of your interests or needs.

Additional Technologies

We may use third party advertising service providers who may advertise on our Site using web beacons. A web beacon is placed on a web page to set HTML cookies and can capture information such as IP address, time, web browser, time zone, and domain. We may also implement additional technologies to capture other data. This information helps us understand how customers use our Site.

Online Surveys

On occasion, you may have the opportunity to participate in online surveys on our Site. Your participation in online surveys is not required. You do not have to complete online surveys, however, online surveys are used to gather information to better serve you. Using the information you provide to us allows us to inform you of products and services available from Texas Loan Star, Inc.

Protecting Children’s Privacy Online

We feel strongly about protecting the privacy of children. As such, we do not knowingly collect personally identifiable information from children under 13 without parental consent. This Site is not directed to or intended for individuals under 13 years of age. If you are under the age of 13, please do not provide personally identifiable information of any kind whatsoever.
Information Use and Sharing

Unless otherwise described in this Statement, we will use and share information that we collect through the Site in accordance with the Texas Loan Star, Inc. Consumer Privacy Notice, that we provide when you apply for a loan with Texas Loan Star, Inc.

We will only provide third parties with the minimum amount of information necessary to complete the requested service.

When you provide information to us through our Site, we may share your information with Service Providers we have retained to perform services on our behalf. These Service Providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.

We also may disclose your information (i) if we are required or permitted to do so by law or legal process, (ii) to law enforcement authorities, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity.

We reserve the right to transfer any information we have about you in the event that all or part of Texas Loan Star, Inc. or all or part of its assets are acquired by, merged with, sold to, or otherwise disposed of to one or more third parties (including, without limitation, in the event of bankruptcy).
Information Security

We have policies restricting access to nonpublic personal information about you to those employees and Service Providers who have a need to know such information (e.g., to process your transactions or provide services to you). We and our Service Providers have implemented and maintain physical, electronic, and procedural safeguards designed to protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our Site.

Advertising

We use our Site to advertise our products and services. We strive to place ads where we think they will be most relevant to our customers. We advertise on pages within our Site as well as on other unaffiliated websites. These advertisements may be presented in the form of banner ads, splash ads (ads that appear as you sign on or sign off of your online accounts), and other formats.

We also may use advertising service providers to assist us in determining which of our advertisements most likely would be of interest to you. For this purpose we use certain information and limit access and collection of information for specific purposes by these providers. Information collected by our advertising service providers through cookies and other technologies include:

• The number of people who look at each of the pages on the Site
• Search engine referrals
• Browsing patterns within the site
• Responses to advertisements and promotions on the Site and on websites where we advertise

Third Party Links

We may reference links in our content to other websites (including blogs, articles, products, services, news sites and other web sites) controlled by third parties who are not affiliated with Texas Loan Star, Inc.  (Third-Party Sites). These Third-Party Sites may not follow our same privacy, security, or accessibility standards.  We are not associated with the Third-Party Sites referenced and are not responsible for, or endorse or guarantee, the content, web sites, products, services or operations of the Third-Party Sites or their affiliates.

We are not responsible for how these Third-Party Sites collect information. We cannot guarantee how these Third-Party Sites use cookies, or if they place cookies on your computer that may identify you personally. We urge you to review the privacy policies of each of the linked websites you visit before providing them with any personally identifiable information.

In addition to Texas Loan Star, Inc.’s Site referencing third party links, periodically, third party websites may link back to online properties owned and operated by us, including websites, blogs, articles, products, services, news and more. We may not be associated with these third party sites linking back to our website. Furthermore, we are not responsible for and do not guarantee the content, products, services or operations of third party sites linking to us. Texas Loan Star, Inc.’s does not guarantee and is not responsible for the privacy or security of third party websites linking to our website, including the reliability, accuracy and completeness of the information they provide.

Social Media

To enable online sharing and collaboration among our customers and community members, Texas Loan Star, Inc.’s uses social media platforms such as Facebook® and Twitter®. All content you post and make available on these social media platforms (including, without limitation, any personal information, pictures, or opinions) is subject to the Terms of Use and Privacy Policies of those platforms. To better understand your rights and obligations with regard to such content, please refer to them.

Notice to Persons Accessing this Site Outside the United States

If you are accessing our website from a location outside of the United States, all information you provide on our Site will be transferred out of your resident country into the United States. Do not provide information to us if you do not want your personally identifiable information to leave your country. By providing personally identifiable information to us, you are explicitly consenting to the transfer of your information to the United States and will be bound by United States law, and this Statement.

Changes to this Notice

We may add to, delete, or change the terms of this Online Privacy Statement from time to time by posting a notice of the change (or an amended Online Privacy Policy) at this website. Your continued use of our website or any online service following notification will constitute your agreement to the revised Online Privacy Statement.

Questions
If you have any questions regarding this Online Privacy Policy please contact us at info@texasloanstar.com.