INFORMATION WE MAY COLLECT
We may collect information from you when you visit our website, fill out a form on our website, subscribe to any newsletters or blogs we may offer, and when you apply for a loan through xCoins. We may use this information in any one or more of the following ways:
- To improve customer service, as your information helps us to more effectively respond to your service requests and support needs.
- To process transactions for you (i.e., loans) or help your online activities.
- To send periodic emails that may contain information about xCoins, the products and services we offer, and other information that you may find useful. The emails may also be used to send you information and updates about your loan transaction.
- To assist you in locating other companies capable of delivering products, services or information in which you may have an interest.
The information we may collect could consist of any of the following:
This could consist of your name, email address, mailing address or a phone number that you enter on our website. (Of course, you are free to visit our website without entering any of that information.) In connection with a loan application or transaction, you might enter additional information, which could include your social security number, your financial information, a scan or your government issued ID, email addresses and phone numbers, etc.
Like many other web sites, xCoins's web site makes use of log files. These files merely log visitors to the site – usually a standard procedure for hosting companies and a part of hosting services's analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user's movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
Other Third Party Service Providers
HOW WE USE AND DISCLOSE YOUR NON-PUBLIC INFORMATION
We will use and share any information that we collect from or about you in accordance with the Consumer Privacy Notice (which provides choices in the use and sharing of information) and any opt-in or opt-out rights that you elect to exercise. We use a variety of security measures to maintain the safety of any non-public information you may send to us or enter on our website.
Personal Financial Information
Any personal financial information you share with us (e.g., social security numbers, financial information, credit card numbers) will be saved, if at all, on a secured website and/or server. This information will only be available to our employees and affiliates, persons or entities providing services in connection with your loan that have a need to know the information, entities that may acquire or service your loan, or our attorneys, accountants and auditors, all of whom agree to and are bound to keep your information secure and confidential. We may also provide your personal financial information to government agencies to fulfill legal, reporting and regulatory requirements, or in response to government authorized requests for information (like subpoenas or civil investigative demands).
Other Non-Public Information
We may share some of the non-public information we collect about you with third parties, like companies performing services on our behalf, so long as those parties agree to keep your information confidential. We may also release your non-public information when we believe the release is appropriate to comply with the law, enforce our site policies, or protect our or others' rights, property, or safety. Non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.