EFFECTIVE DATE: June 20, 2019
Please read this Policy carefully. By using the Site, you acknowledge and agree that you consent to this Policy. If you do not agree to be bound by this Policy, please exit the Site now.
Please be aware that we may change or replace the terms of this Policy from time to time, at our sole discretion. If we make changes to this Policy, we will notify you by posting those changes to this Site. Any modifications to this Policy will go into immediate effect after they have been posted. Your continued use of the Site after we post any changes constitutes your consent to the updated Policy.
This Site is controlled, operated, and administered by Regional Finance from its offices within the United States. Regional Finance does not conduct any business outside of the United States and therefore, does not collect any data outside of the United States. If you are accessing this Site from a location outside the United States, you acknowledge and consent to the collection, storage, processing, and transfer of your Personal Information to our facilities in the United States and to those third parties with whom we share it as described in this Policy.
Information that We Collect
Through your use of our Site or our services, we may collect Personal Information, which is information that identifies you as an individual or relates to you as an identifiable individual. While we do not require you to provide Personal Information in order to navigate our Site, we may need to collect Personal Information if you choose to engage in certain activities on our Site. The Personal Information that we collect on the Site may be combined with Personal Information collected offline. Below are the types of Personal Information that we may collect.
Information Provided by You
We collect the Personal Information that you provide to us. If you register for an account on our Site, we will collect certain Personal Information from you, such as your name, contact information, and payment information.
We may also collect information based on your use of our services, such as payment history, account balance, and transaction information.
If you contact us, we will maintain records of your correspondence. This may include any of your questions, comments, or suggestions as well as our responses.
Information Provided by Third Parties
We may receive certain Personal Information about you from third parties. For example, we may receive information about your credit history from a credit reporting agency or income information from your employer.
Device and Usage Information
The Site automatically collects technical information through your use of the Site, such as the following:
Cookies and Other Tracking Technologies
A cookie is a small text file that is stored on a user’s computer and/or device for record-keeping purposes.
If you reject cookies, you may still use our Site, but your ability to use some areas of our Site may be limited.
We may also use other website or mobile tracking technologies to identify you and keep track of your preferences, prevent fraudulent activity or improve Site security, and assess the performance of the Site.
You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our site and Hotjar’s use of tracking cookies on other websites by following this opt-out link.
Statistical or aggregated information does not directly identify you or any specific person, but it may be derived from your Personal Information. For example, we may aggregate Personal Information to calculate the percentage of users in a particular ZIP code.
How We Use and Share Information
Please see our Privacy Notice, which we provide to all our customers, for a comprehensive explanation of how we collect, use and share Personal Information and what your can do to limit the use and sharing of your Personal Information.
We use Personal Information that we collect in the following ways:
We reserve the right to share information, including Personal Information, with third parties, as described below:
Service Providers: We may share information with service providers that help us perform Site functions and administer our services. For example, we may share your information with third-party customer service providers.
The security of your Personal Information is important to us. We maintain reasonable physical, technical, and administrative security measures to protect and limit access to your Personal Information. However, no method of transmission over the Internet or electronic storage technology is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Third-Party Data Collection
One of the third-party services that we use is Google Analytics, which is a web analysis service provided by Google. Google utilizes the data collected to track and examine the use of our Site and may share this data with other Google services. You can learn more about how Google uses and shares Personal Information and about any choices you may have with regards to your Personal Information by visiting their website at www.google.com/policies/privacy/partners/.
Another of the third-party services that we use is Heap, Inc. Heap is a web analysis service that helps us understand how our customers are using our Site. Heap gathers and stores information like which pages you visit, how long you view each page, your clicks on each page, what Internet Protocol address (IP address) you are using to connect to our Site, and other data about how you interact with our Site. Heap does not share your information with unaffiliated third parties.
Similarly, the Site may contain links to third-party websites that are not owned or controlled by Regional Finance. We have no control over the content, privacy policies, or practices of any third-party website. You are subject to the policies of those third-party websites, where applicable. We encourage you to review the privacy policies of these third-party websites before you disclose your Personal Information.
Our Site is not intended for use by children. We do not knowingly collect Personal Information from children under the age of 13 years. Please contact us if you believe we may have unknowingly collected information about a child under 13, and we will take immediate steps to delete any such Personal Information.