Privacy Policy

This Privacy Policy of the shinyloans.com (HEREINAFTER ALSO: we, us, our, ours, Website) is the formal document, which defines the process on how the information provided by the user (hereinafter User, Users, You, Your, Yours) is collected, stored, processed and used on the Website. This document has been developed with the purpose of ensuring the protection and security of the information provided on the Website.

This Privacy Policy determines how information, both personal and non- personal, used on the Website shall be implied. Contact us directly if you want to demolish details You have already provided, from any records associated with the Website under our regulation and control.

What is the personal data? Personal data shall mean information that can identify an individual, either directly or when combined with other data. This might include emails, addresses, IP-addresses, account information, localization, income, health information, the user’s behavior on the Website. Note that cookies can track and record the user’s browsing activities. While non-personally identifiable data are simply the data that are anonymous.

The online services on this Website can be used only by people who are legally recognized as US residents and are at least 18 years old. The operation of the Website is implemented in accordance with federal, state and local laws of the United States of America.

By submitting Your information via the online form of the Website, You do accept this Privacy Policy. This illustrates that You confirm Your full understanding of that the use of the information You submit on the Website is also governed by this document.

If You disagree with or misunderstand content of this Privacy Policy of this Website in full or in part, and/or refuse to accept the provisions thereof, You should stop using the services of this Website and should not provide Your information and register on the Website via online form or in any other way submit and share Your information on the Website.

I. THE USE OF YOUR PERSONALLY IDENTIFIABLE INFORMATION

We do collect, store, share and use Your PII information under the provisions of this Privacy Policy. We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of duly protecting it.

Any and all information provided is being duly protected by our highly reputable security means and trustworthy methods of encryption. As soon as you do submit information for the services that are subject to be provided on the Website, it is used to perform search and match with suitable lenders we contract with and who can potentially provide You with the loan products You manifested Your interest in. Your submission of the information is considered as an expressed will to be matched with a lender or financial service provider. Please, note that We will collect, store, share and use Your information only upon Your expressed consent which is manifested with a click on the relevant button or ticking the box of consent, which authorizes us to use Your information the way defined herein. The information that is being shared with our third party lenders can be used with a purpose to verify Your identity (via SS number and/or driving license number, for example) and Your information against national databases. In case You submit Your information via the online form on the Website, You provide us with Your express consent to have Your information verified and Your credibility checked according to the provisions of those third party lenders’ legal documents in association of communicating with You.

II. THIRD PARTY COMPANIES

We may employ third party companies and individuals due to the following reasons:

We want to inform our Website users that these parties have access to your Personal Information. The reason is to perform the tasks assigned to them on Our behalf. However, they are hereby obligated not to disclose or use the information for any other purpose.

These authorized third parties are liable for keeping Your information secure and in no way can use it for any other purpose but the purposes authorized according to the agreement we make, as well as are in no way authorized to share Your information with other third parties.

III. COOKIES

The Website may use cookies to collection information and to improve our service. You have the option to either accept or refuse these cookies, and know when a cookie is being sent to Your device. If you choose to refuse our cookies, you may not be able to use some portions of our services.

IV. INFORMATION COLLECTION FROM CHILDREN

The information from children under 18 years old is strictly BANNED and will not be performed on the Website. We provide filters, which enable anyone of illegal age to provide information on the Website. In case we detect any PII received from a user under 18 years old, we will immediately delete this information. According to the fact that we do not voluntarily collect, store, share or use any PII from the users under 18 years old, we follow and comply with the Children’s Privacy Protection Act («COPPA») and this Privacy Policy is built in consideration with the provisions of this Act.

V. E-CONSENT

According to Federal Electronic Signatures in Global and national Commerce Act, the users who give their consent and e-sign electronic documents thus agree to receive documents, disclosures and notification in electronic format, provide the information via electronic means and allow sharing of this information according to the provisions of privacy policies, terms of use and other applicable laws and regulations and conduct business electronically. Once a user submits information through the Website, one gives consent to receive electronic notifications, documents and disclosures as well as the information provided directly on the Website and electronic communications with third party marketers and lenders we contract with. Any of such electronic communication received after providing Your e-consent should be considered “in writing” and have the same force and effect. The copy should be printed for records.

VI. FOR RESIDENTS OF DIFFERENT STATES

We strictly follow the regulations and codes, both federal and state. The way PII can be used is regulated in states differently. In case you are a resident of the state, where specific regulations are due in force, you may directly contact us in order to obtain all the necessary information for your case in appropriate detail. This is the case where every request will be processed on an individual basis. However, we reserve the right to refuse to process such a request in case the enquiry has been sent from the user who legally reside in the state where such specific regulations are not applicable.

VII. CHANGES & UPDATES

We reserve the right to update our Privacy Policy from time to time. Thus, we advise you to review this page periodically to be acquainted with any and all changes applied. We will notify you of any changes by posting the new Privacy Policy on this page. These changes come into immediate effect as soon as they are posted on this page.