The Loan Store, Inc. (“TLS”, “we” or “us”) is committed to protecting and respecting your privacy.
Scope of Policy
This policy, together with the General Terms of Service, applies to your use of our website at theloanstore.com (the “Site”), including, without limitation, all other services accessible through the Site.
This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed and disclosed by us. Please read the following carefully to understand our collection, use, and disclosure of your personal data.
Our Services
TLS shares information in connection with its products and services as a licensed lender for residential mortgage loans and mortgage servicing services and products.
We reserve the right in our sole discretion to make changes to how we operate and provide our services, including adding new services, modifying existing services, or suspending, discontinuing, or terminating your access to any or all portions of our services, as described below.
Information We Collect From You
We will collect and process the following data about you:
Communications Disclosure: The Loan Store, Inc (TLS) may, from time to time, communicate with approved partners to provide information related to their business relationship with TLS. Such communications may include, without limitation, loan product updates, notices, and other important information. Communications may be delivered through TLS’s website, phone, email, or SMS messaging. By providing contact information in the application, the TLS Partner confirms its agreement to receive such communications at the email addresses and phone numbers provided. The TLS Partner also consents to receive communications at any additional email address or phone number that may be provided to TLS by the TLS Partner, its owners, officers, or employees from time to time.
Information you give us (Submitted Information): This is information you give us directly, or by corresponding with us (for example, by e-mail or telephone), or given to us by your mortgage loan officer. If you contact us, we may keep a record of that correspondence. The information you give us may include your social security number, name, address, date of birth, email address, phone number, other loan application information, personally identifiable financial information, income and debt information, identification document numbers, and copies of identification documents (for example, driver license, passport, and utility bill).
Information we receive from other sources (Third Party Information): We work closely with third parties (including, for example, business partners, sub-contractors in technical services, advertising networks, analytics providers, search information providers, credit reference agencies, fraud prevention agencies, customer service providers, developers, and social media platforms such as Facebook, Twitter, and Google). The use of credit reference and fraud prevention agencies may include agencies outside the United States. Any such search under this section may leave a footprint on your credit file. By agreeing to this privacy policy, you agree that we may carry out such credit searches. You may be entitled to access your personal records held by these agencies. If you would like details of the agencies from which we have obtained or may obtain information about you, please contact us at compliance@theloanstore.com. We will also receive information from third parties we use to verify your identity.
Technologies we use for automatic data collection:
Cookies (or browser cookies): A cookie is a small file placed on the hard drive of your computer. Certain features of our Site may use local stored objects (or flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as browser cookies.
Web Beacons: The Services and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit TLS to count users who have visited certain pages or opened an email, and for other website statistics (e.g., recording the popularity of content and verifying server integrity).
If you would prefer not to accept cookies, most browsers allow you to: (i) notify you when you receive a cookie; (ii) disable existing cookies; or (iii) automatically reject cookies. Note: some features on our Site may not function properly if cookies are disabled.
Uses Made of the Information
We use this Submitted Information to:
- Fulfill transactions and provide requested services
- Offer other goods and services
- Provide marketing and promotional content
- Protect against fraud and comply with legal requirements
- Improve services via troubleshooting, testing, analysis, etc.
- Understand advertising effectiveness
- Meet legal obligations and respond to investigations
- Evaluate loan applications and financial eligibility
We may associate and treat any combination of the above information as personal data in accordance with this policy.
Third-Party Tracking and Online Advertising
Interest-Based Advertising
We participate in interest-based advertising and use third parties to serve targeted ads. We may share browsing behavior with these partners using cookies and other tracking technologies.
Social Media Widgets and Advertising
We may include social features such as the Facebook “Like” button or Instagram widgets. These may collect information about your visit and use cookies. Interactions are governed by the social media platforms’ policies.
Your Choices
- Cookies: Adjust browser settings to block or disable cookies as needed.
- Flash Cookies: Manage via Adobe’s Flash settings panel.
- Interest-Based Ads: Opt-out via NAI or the DAA.
- Mobile Ads: Limit tracking via your mobile OS settings or through AppChoices.
Google Analytics and Advertising
We use Google Analytics and related ad features. You may opt out using Google’s tools at tools.google.com/dlpage/gaoptout.
Disclosure of Your Information
We disclose your information to:
- Vendors, service providers, and contractors
- Advertising partners and networks
- Analytics and search engine providers
- Third parties for identity verification and fraud prevention
- Credit reference agencies
- Buyers or sellers during business transfers
- Law enforcement or regulatory bodies, when required
- Other companies for fraud protection and risk reduction
- Our subsidiaries and affiliates
- Others as disclosed or with your consent
Data Security
We use safeguards to protect your information, but internet transmission is not fully secure. Once received, we secure your data with strict policies. We also dispose of personal records securely when no longer needed.
Control Over Your Information
You may opt out of marketing emails via the unsubscribe link. However, certain communications (e.g., account verification or legal notices) cannot be opted out of.
Your California Privacy Rights
California users may request information on data sharing by emailing compliance@theloanstore.com.
Links to Third-Party Websites and Services
We may link to third-party websites not governed by this policy. We are not responsible for their privacy practices.
Transfer of Information to the U.S. and Other Countries
TLS is based in the U.S. and processes data here. Your data may be transferred to jurisdictions with different privacy protections.
Changes to Privacy Policy
Changes to this policy will be posted on this page and may be sent via email or letter if appropriate.
Contact
Questions or requests should be sent to our compliance department at compliance@tlstpo.com.