Effective: February 26, 2018
The Information joracredit.net Information We Collect
joracredit.net collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its websites.
Personally Identifiable Information
joracredit.net collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online application (an “Application”) requesting a loan offer from a lender participating in joracredit.net’s lender network (a “Lender Partner”) or by sending questions to joracredit.net via the Website. The types of Personally Identifiable Information joracredit.net collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
The types of non-Personally Identifiable Information that joracredit.net collects (either directly, through the use of “cookies,” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.
joracredit.net may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.
Information Collected by Third Parties
joracredit.net may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. joracredit.net does not provide Personally Identifiable Information to these third parties.
How We Use Personally Identifiable Information
joracredit.net uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from joracredit.net, Lender Partners, other third party lenders, joracredit.net’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce joracredit.net’s terms and conditions, and perform any other functions otherwise described to you at the time joracredit.net collects the information.
joracredit.net may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom joracredit.net has a business relationship. joracredit.net may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.
Sharing Your Personally Identifiable Information
joracredit.net may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom joracredit.net has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, joracredit.net may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom joracredit.net has a business relationship.
Any third parties with whom joracredit.net shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once joracredit.net has transferred or shared it with those third parties as described in this Policy or the joracredit.net Terms and Conditions.
joracredit.net will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. joracredit.net will disclose your Personally Identifiable Information when joracredit.net believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of joracredit.net’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.
In addition, joracredit.net may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.
Links to Third Party Websites
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at joracredit.net’s sole and absolute discretion. Changes to this Policy will be posted on the Website and joracredit.net will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If joracredit.net makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, joracredit.net will notify you by prominently posting notice of the changes on this website.
The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. joracredit.net does not knowingly collect Personally Identifiable Information from children under the age of 18.
joracredit.net has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information joracredit.net collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although joracredit.net takes steps to secure your information, joracredit.net does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to the Personally Identifiable Information that joracredit.net has collected about you through your use of the Website, please contact joracredit.net by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. joracredit.net has elected the second option, and you may opt out by completing one or more forms on our Opt Out page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to firstname.lastname@example.org.
If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.
Consumer Notice: Payday Loans Are Not A Long Term Financial Solution. Borrowers Facing Debt And Credit Difficulties Should Seek Professional Financial Advice. Borrowers Are Encouraged To Review Local Laws And Regulations Governing Personal Loans.
Availability: This Service JORACREDIT.NET Is Not Available In All States. Please Review Local Laws And Regulations For Availability In Your Particular State. The States This Website Services JORACREDIT.NET May Change From Time To Time Without Notice. All Actions Taken On This Site, Or Legal Concerns Addressing This Site, Are Deemed To Have Taken Place In Nevada, Regardless Of The Location From Where You Access This Site.
Disclaimer: This Website JORACREDIT.NET Does Not Constitute An Offer Or Solicitation To Lend. The Operator Of This Website JORACREDIT.NET Is Not A Lender And Does Not Make Credit Decisions. Rather, We Provide A Marketplace Service Where We Connect You With Lenders In Our Network. We Cannot And Do Not Control The Actions Or Omissions Of Lenders In Our Network. We Are Not An Agent, Representative Or Loan Broker To Any Lender And We Do Not Endorse Any Particular Lender. Our Marketplace Service Is Always Free To You. If You Are Ever Asked To Pay A Deposit Or Advanced Payment In Order To Get A Loan, You Should Not Proceed.