Information from You
Personally Identifiable Information
In order to accept a loan through our Website or through our App, a Borrower must provide us with certain account and other payment information, such as information needed to make or accept payment via electronic checks or credit card. Our registration process for Borrower provides additional details on the types of Payment Information needed.
How We Use Your Personally Identifiable Information
We use your Personally Identifiable Information to facilitate your activities with respect to our Website and our App as set out herein. We do not disclose your Personally Identifiable Information to third parties without your express consent except in the specific circumstances identified in “Third Party Access to Personally Identifiable Information” below. We will provide Borrowers with certain materials, including formal notices from regulators, and other information in order to comply with Applicable Law. We will use your Contact Information for these purposes.
We use the Personally Identifiable Information you provide to process transactions that you have authorized us to undertake and to provide you with the Services you have requested.
In order to communicate with you and to confirm (where necessary) whether you are eligible for a transaction, we will rely on Borrower’s Contact Information.
We use your Personally Identifiable Information in the operation of our Website and our App and to comply with Applicable Law. You cannot participate in our Website or in our App if you seek to opt-out of these uses of your Information. Our Website and our App offers a forum for online discussion and participation in which
Our Users may provide feedback to us about our Website, our App and our Services. You are free to choose whether you participate in these activities. We may ask that, in addition to providing your responses, you also provide Contact Information. In these instances, we use any Personally Identifiable Information you choose to provide to us in connection with these activities strictly for the purposes for which you submit the information. We will provide Borrower with certain materials, including formal notices from regulators, and other information in order to comply with Applicable Law. We will use your Contact Information for these purposes.
How We Protect Your Personally Identifiable Information
We have security systems in place designed to prevent unauthorized access to or disclosure of Personally Identifiable Information, and we take all reasonable steps to secure and safeguard this Information, including
- Our Website’s and our App’s password-protected section requires Users to give us unique identifiers such as their user name and password;
- We employ a secure channel using SSL Certificate to protect information exchanged over the Internet between your web browser and our servers;
- We provide access to our databases containing Personally Identifiable Information on a need-to-know basis only; and
- We use automated tools to monitor network traffic to identify unauthorized attempts to upload information, change information or otherwise seek to “hack into” our systems.
- We recognize the sensitivity of information provided in response to our Borrower Qualifying Questions and take the following additional precautions with respect to such information:
- We store Borrower questionnaire information that we receive on a secure system isolated from direct connection to the Internet.
- We encrypt Borrower questionnaire Information (including account and social security number information) using the same encryption standard used by banks to secure sensitive customer data.
You can find more information about our security procedures at wwww.nagolending.com Our security systems are structured to deter and prevent hackers and others from accessing information you provide to us. We make no warranty that our security systems are fail proof. Due to the nature of Internet communications and evolving technologies, we cannot provide and we disclaim assurance that the information you provide us will remain free from loss, misuse, or alteration by third parties who, despite our efforts, obtain unauthorized access.
Third Party Access to Personally Identifiable Information
Anonymous, Aggregate Information
Anonymous Information Linked With Your Personally Identifiable Information Is Protected As “Personally Identifiable Information”
Notice of Security Incident
If we detect, despite the safeguards set out above, an intrusion or other unauthorized access to or use of Personally Identifiable Information, we will (i) notify affected Users of the intrusion if we determine that the information at issue is sensitive; (ii) deliver this notice by the means we deem most efficient under the circumstances (such as, for example, first class mail or email); (iii) use contact information for each affected User in our files; and (iv) use commercially reasonable efforts to accomplish these steps and effect this notice in a timely manner. To the extent Applicable Law requires steps in addition to those specified above, we will under all circumstances comply with Applicable Law.
Participation by Children and Teens
Due to federal law (as reflected in the Children’s Online Privacy Protection Act), WE DO NOT ALLOW INDIVIDUALS WHO WE KNOW ARE UNDER 18 TO PARTICIPATE IN OUR WEBSITE, OUR APP, OR SERVICES. YOU MUST BE AT LEAST 18 YEARS OLD TO USE OUR WEBSITE, APP AND SERVICES.
Notification of Changes
Privacy Rights of California Residents
California law requires that we provide you with a summary of your privacy rights under the California Online Privacy Protection Act (the “Act”) and the California Business and Professions Code. As required by the Act, we will provide you with the categories of Personally Identifiable Information that we collect through the Website and the categories of third parties with whom such Personally Identifiable Information may be shared for direct marketing purposes at your request. California law requires us to inform you, at your request, (1) the categories of Personally Identifiable Information we collect and what third parties we share that information with; (2) the names and addresses of those third parties; and (3) examples of the products marketed by those companies. The Act further requires us to allow you to control who you do not want us to share that information with. To obtain this information, please send a request by email or standard mail to the address set out herein. When contacting us, please indicate your name, address, email address, and what Personally Identifiable Information you do not want us to share with affiliated businesses or marketing partners. The request should be labeled “California Customer Choice Notice.” Please allow 30 days for a response. There is no charge for controlling the sharing of your Personally Identifiable Information or requesting this notice.
Complaints to Regulators
If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210. Other States may provide similar avenues for lodging complaints. Please check with your State’s consumer protection authority.
You may contact us by mail as follows:
Our Microlending LLC