© 2021 Manhattan Funding Inc. All rights reserved.
Acceptance Of These Terms
By using this Site, you signify your acceptance of this policy and any changes to this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Collection Of Information
Information You Provide to Us. We collect information you provide directly to us. For example, we collect information when you use our websites, call us on the phone, create an online account, fill out a credit application, sign up to receive our emails, participate in a sweepstakes, contest, promotion or survey, communicate with us via third party social media sites, request customer support, apply for a job or otherwise communicate with us. The types of information we may collect include your name, email address, zip code, billing address, phone number, social security number, employment information, insurance information, bank account and payment card information, product preferences, demographic information and any other information you choose to provide (“Personal Information”). We will use this information to fulfill your requests and may also use that information to send marketing communications to your contact, unless he or she has previously opted out of marketing communications from MF. We may supplement the Personal Information you submit to us with information from third-party sources. For example, in an effort to protect the integrity of your account and if permitted under applicable law, we may supplement your registration information with address standardization data to verify the address you have entered is valid and to protect you against identity theft.
Consumer Reports. As a company engaged in lending, MF both receives and transmits data to consumer reporting agencies. We partner with these agencies to assess your creditworthiness and to prevent fraud and identity theft. This is done as part of our regular underwriting, fraud prevention and loan servicing processes.
Information we collect in these reports includes, but is not limited to:
Correcting information maintained by the credit bureaus. Information related to your creditworthiness is maintained by the credit bureaus. If you find that there is an error or you want to dispute the information found in your credit report, please contact the credit reporting bureaus.
Retention and Transfer of Personal Information. We retain Personal Information that you provide us as long as we consider it potentially useful in contacting you about our products and services, or as needed to comply with our legal obligations, resolve disputes and enforce our agreements. We will delete this information from the servers at an earlier date if you so request by unsubscribing, opting-out, or emailing us at [EMAIL]. Personal Information may be transferred and stored to secure servers in the United States.
Use Of Information
We may use information about you for various purposes, including to: (i) facilitate and improve your online experience; (ii) provide the products and services you request, process transactions and send you related information, including confirmations and receipts; (iii) respond to your comments, questions and requests and provide customer service; (iv) communicate with you about products, services, offers, promotions, rewards and events and provide news and information we think will be of interest to you; (v) manage your online account(s) and send you technical notices, updates, security alerts and support and administrative messages; (vi) personalize your online experience and provide advertisements, content or features that match your profile and interests; (vii) monitor and analyze trends, usage and activities; (viii) process and deliver contest, promotion and sweepstakes entries and rewards; (ix) link or combine with information we get from others to help understand your needs and provide you with better service; and (x) carry out any other purpose for which the information was collected.
Sharing of Information
We may share information about you as follows: (i) with vendors, consultants and other service providers who need access to such information to carry out work on our behalf; (ii) with our business partners and other third parties for purposes of sending their own direct mail; (iii) in response to a request for information if we believe disclosure is in accordance with any applicable law, regulation or legal process or as otherwise required by any applicable law, rule or regulation; (iv) if we believe your actions are inconsistent with our user agreements or policies, or to protect the rights, property and safety of us or any third party; (v) in connection with, or during negotiations of, any merger, sale of company assets, financing or transfer of all or a portion of our business to another company; (vi) financial institutions as required by laws regulating loan securitization; (vii) credit reporting agencies; or (vi) with your consent or at your direction. We may also share aggregated or de-identified information, which cannot reasonably be used to identify you.
Your Information Choices and Control
MF respects your need to access and control your Personal Information, so we give you certain choices that you may exercise, including:
You can exercise these controls and choose to opt in or out of services and communications by visiting your account preferences, contacting our customer service at firstname.lastname@example.org, or following the instructions directly provided in the communications we send you.
Advertising and Analytics
We use functional and analytical cookies to provide for the best user experience. We, as well as third parties, also use tracking cookies on our websites to show you customized advertisements and offers on our websites, as well as on third party websites and apps. Most web browsers are set to accept cookies by default. If you prefer, you can usually set your browser to remove or reject cookies, but note that doing so does not necessarily affect third party flash cookies used in connection with our websites. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our websites. In addition, many web browsers support Do Not Track technology. If you enable Do Not Track, Note, however, third-party companies may not recognize browser “Do Not Track” signals. If you would like to opt out of the collection and use of tracking data for ad targeting, please visit www.aboutads.info/choices/.
Links To 3rd Party Websites
We take reasonable measures to help protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. We use organizational, procedural, and technical safeguards to secure data in our possession, consistent with the sensitivity level of such data. When sensitive information (such as a credit card data) is collected on our Site it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol and may be processed by third parties using similar levels of protection. Regardless of the precautions we take, no transmission of data over the internet is guaranteed to be completely secure. It may be possible for third parties not under our control to intercept or access transmissions or private communications unlawfully. While we strive to protect Personal Information, we cannot ensure or warrant the security of any information you transmit to us.
Site Users Outside the United States
You may have the following data protection rights:
We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection law. We may ask you to verify your identity in order to help us respond efficiently to your request.
We do not knowingly collect any Personal Information from children under the age of 13. We do not sell products for purchase by children and all children’s products we sell are for purchase by adults only. If you are under 13 years old, please do not provide your information on our Site. If we become aware that an individual is under the age of 13 and has submitted any information to MF for any purpose, we will delete his or her information from our files. If you believe that we might have any Personal Information from a child under 13, please contact us at email@example.com.
California Privacy Rights
California law permits residents of California pursuant to California Civil Code Section 1798.83 to request certain details about how their information is shared with third parties for direct marketing purposes. To make such a request, please send an email to firstname.lastname@example.org or write to us at the address in the Contact Section below. Under the law, a business must either provide this information or permit California residents to opt in to, or opt out of, this type of sharing. MF permits California residents to opt out of having their information shared with third parties for direct marketing purposes. To opt out, please click “unsubscribe” on any emails from us or email us at email@example.com requesting to be removed.