By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency. This credit check can include a hard pull, which may impact your credit score. You acknowledge, agree, and authorize that EncoreLoan’s Network Partners, providers, and respective agents (collectively, “we”, “us”, or “our”) may obtain your credit report from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity. You acknowledge that we may use the credit report for any purpose permitted by law, including:

1. To authenticate and verify your identity based on the information you provided;
2. To access your eligibility for credit and identify products and/or services you may qualify for;
3. To determine your current debt-to-income ratio; and
4. To obtain a credit score.

By accessing encoreloan.com and using the services available on this site, you agree to be bound by the Terms of Use below. * Our services are only available to US residents and are prohibited outside the United States.

Please read these terms carefully. If you do not agree to these terms, do not access or use this website.

Products and Services

Encoreloan.com connects consumers with prospective lenders participating in its direct network of personal loan lenders. To use the service, you must complete an online request form that requests specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information, and employment information. Encoreloan.com's collection and use of this information is subject to this site's Privacy Policy. By using this website or services offered on this website, you also agree to the terms and conditions set forth in the Privacy Policy. If you do not agree to these Terms of Use of the separate Privacy Policy, please do not use this site.

Once a consumer submits the request form on this site, encoreloan.com shares your information with one or more participating lenders. By submitting the request form, you understand and agree that you are submitting an inquiry about a loan product to encoreloan.com and each of the participating lenders to whom encoreloan.com transmits your loan request. By submitting the request form, you are extending an express invitation to encoreloan.com and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, text and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.

Participating lenders who receive your request information from encoreloan.com review your information in real-time to determine whether your information meets their loan qualification criteria. By submitting the request form, you expressly authorize participating lenders to, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the request form you also expressly authorize the participating third party lender you are connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to financial products or services received for the purpose of evaluating you for credit. Lenders may ask for additional identifying information (i.e. driver's license documentation), in conjunction with running credit reports.

If a participating lender determines that your request meets its loan qualification criteria, encoreloan.com will open a new web page identifying the name(s) and contact information of the lender(s), or redirect your browser to the lender's website. You understand and agree that, once you have been redirected to the lender's website, encoreloan.com has no further involvement in the loan request or lending process. Your subsequent interactions with the lender are subject to privacy policy, terms of use and other policies enforced by that lender.

Encoreloan.com is not a lender and does not make loans or credit decisions in connection with its loan connecting service. Encoreloan.com does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any participating lender. Encoreloan.com is not an agent of or any participating lender. Encoreloan.com is not involved with a lender's use and/or review of your request information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that encoreloan.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan connecting service.

Encoreloan.com reserves the right to change any information, features and/or functions of the loan connecting service without prior notice. Encoreloan.com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that encoreloan.com determines, in its sole discretion, violate these Terms of Use, the rights of encoreloan.com or any third party, or is otherwise inappropriate. encoreloan.com is not responsible for any errors or delays in providing the loan connecting services caused by errors in any of the request information provided by you or by any technical problems beyond our reasonable control.

Annual Percentage Rate

Encoreloan.com is not an actual lender, and therefore does not make credit decisions or determine actual APRs (Annual Percentage Rate) if you are connected with a lender. We direct your attention to your lender for the full and appropriate disclosure of both the interest rate and APR for your loan.

Auto-Dial

By submitting your loan request, you are providing express written consent under the Telephone Consumer Protection Act to be contacted by each lender to whom we transmit your information, and their affiliates and service providers, by telephone at the numbers you have provided, even if your phone number is on any Do-Not-Call registry, and you agree to receive telemarketing calls or SMS text messages made with an automatic telephone dialing system or that use a prerecorded voice. Consent is not required in order to purchase goods and services from us or the lenders that reach out to you.

E-Consent

You agree that submitting your loan request acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically.

Disclaimers and Limitations

This website and the information, software, products and services associated with it are provided 'as is.' Encoreloan.com expressly disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this website and any information, software, products provided herein, including without limitation the warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Encoreloan.com makes no warranty as to the results that may be achieved by using this website and the information, software, products and services associated with it.

Use of this website and/or its services is at your own risk. Encoreloan.com and/or its participating lenders or advertisers or any of their officers directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers or service providers will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages or other injury arising out of or in any way connected with the use of this website and/or its services with the delay or inability to use this website, or for any information, software, products and services obtained through this website, or otherwise arising out of the use of this website, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if encoreloan.com or its participating lenders have been advised of the possibility of damages.

Encoreloan.com is available to United States residents only. Use of Encoreloan.com from users outside the United States is prohibited. Encoreloan.com makes no representation that materials on the site are appropriate or available for use in locations other than the United States.

Indemnity

As a condition of using this web site and/or the services offered herein, you agree to indemnify encoreloan.com and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.

Links to Third Parties

This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. Encoreloan.com does not operate or control in any respect any information, software, products or services available on such third party sites. Encoreloan.com's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

Trademark and Intellectual Property

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the site, are registered and unregistered Trademarks of encoreloan.com. Nothing contained on the site should be construed as granting, by implication or otherwise, any license or right to use any content on the site without the written permission of encoreloan.com.

Other Terms

These Terms of Use, together with the Privacy Policy constitute the entire agreement between you and encoreloan.com. If any part of these Terms is determined unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely resembles the intent of the original provision and the remainder of these Terms shall remain in effect. Any failure by encoreloan.com to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Encoreloan.com may amend these Terms at any time by posting the amended terms on its web site. Your continued use of the site after any modification will act as an agreement to the Terms of Use as modified. All amended terms are automatically effective immediately, upon posting.

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction

You are submitting a request to be connected with one of our third party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper copy by contacting the third party lender directly. Some lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.

Scope of Consent

This E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically

Before you decide to do business electronically with the third party lenders, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders.

Withdrawing Consent

Your E-Consent for our connecting service and for our third party lenders’ consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders, you are free to withdraw your E-Consent with those third party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third party lender directly if you wish to withdraw this E-consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

You should keep third party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender’s website or by sending the lender a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES

BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT

BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

EncoreLoan (“EncoreLoan”, “encoreloan.com”, or “we”) is strongly committed to respecting the privacy rights of its users. The following privacy policy (the “Privacy Policy”) was created to demonstrate our information gathering practices and to ensure the protection of your privacy. This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit this website (“Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with the terms of this Privacy Policy, please do not use or access this Website. This applies whether the Website is accessed via a personal computer, a mobile device, or other technology hereafter developed or discovered. We reserve the right to amend this Privacy Policy at our discretion from time to time. When we make changes to this Privacy Policy, we will post the updated notice on the Website and update the policy’s effective date. Your continued use of this Website and/or continued receipt of "EncoreLoan" emails after we make changes is deemed to be acceptance of those changes, so please check this Privacy Policy periodically for updates.

This Privacy Policy has been supplemented to comply with the California Consumer Privacy Act of 2018 (“CCPA”). Certain information contained in this Privacy Policy applies solely to visitors, users, and others who reside in the State of California. Unless otherwise defined herein, any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

EncoreLoan collects several types of information that may identify a particular individual (“personally identifiable information”). EncoreLoan collects personally identifiable information when you provide it to us through your use of this Website, such as completing one or more steps of a request form to request a loan from a lender participating in our lender network. In particular, our Website may have collected the following categories of personally identifiable information in the last twelve (12) months:

Category	Specific Fields	Collected
Identifiers	First name, last name, date of birth, email address, phone number, home address, driver’s license number and state of issue, Social Security Number, Internet Protocol (IP) address, or other similar identifiers.	Yes
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, residential history, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Note: Some personal information included in this category may overlap with other categories.	Yes
Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	No
Commercial information.	Records of personal property, products, or services purchased, obtained, or considered, or other consuming histories or tendencies.	Yes
Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	No
Internet or other similar network activity.	Browsing history, browser, device, search history, information on a consumer's interaction with a website, timestamp, IP address, application, or advertisement.	Yes
Geolocation data.	Physical location or movements.	Yes
Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	No
Professional or employment-related information.	Employment history, employment status, income, payroll, benefits.	Yes
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	No
Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No

EncoreLoan obtains the categories of personally identifiable information listed above from the following categories of sources:

• Directly from you (i.e., from forms you complete on our Website)
• Indirectly from you (i.e., IP address, browser, device information obtained by your use of our Website)

EncoreLoan utilizes the use of cookies to assign a unique identifier to your computer. Cookies may be used to help save information on past user activities and other preferences, so that you are not required to re-enter information each time you visit this Website, and to deliver content specific to your interests. The types of personally identifiable information that we collect, either directly or through the use of 'cookies' include: IP addresses, Internet Service Provider (ISP), date/time stamps, number of clicks, user information regarding which pages and links our visitors access, browser types, and language.

Non-Personally Identifiable Information

Personally identifiable information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA's scope, such as:
• health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and the California Confidentiality of Medical Information Act (“CMIA”) or clinical trial data;
• personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FRCA”), the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver's Privacy Protection Act of 1994.

Use of Your Information

EncoreLoan uses the information you provide to us through this Website to deliver the products and services you request on this Website, to provide you with user support, to verify or review your information to determine whether it meets eligibility requirements for participating lenders, to connect you with participating lenders in our lender network or other third party lenders with whom we have a business relationship, to communicate with you by email, postal mail, telephone, and/or mobile devices about products or services that may be of interest to you from us, to display advertising tailored to your interests or background, to perform data and statistical analysis on use of the Website, to enforce our Terms Of Use, and to perform any functions otherwise described to you at the time we collect the personally identifiable information. EncoreLoan may share personally identifiable information obtained from cookies for the purpose of aggregate web site statistical and trend analysis.

EncoreLoan may also use the information you provide to verify your identity and protect against possible fraudulent transactions pursuant to Section 326 of the USA PATRIOT ACT in order to help the government fight identity theft, the funding of terrorism and money laundering activities, and to help verify a user's identity. EncoreLoan may also use the information you provide to investigate complaints regarding your use of the Website, to receive payment from third party lenders in the event of a dispute, and for internal security purposes such as fraud detection and internal reporting. Lenders who receive the information you provide may obtain, verify, and record that information in order to identify the user.

Disclosing Personally-Identifiable Information

EncoreLoan will share your personally identifiable information (including, without limitation, your financial account information and Social Security Number) with third parties for a business purpose including, without limitation, transferring or licensing, subject to your right to opt-out of such use by us of your personally identifiable information described herein. We may share your personally identifiable information with the following categories of third parties:

• Lenders participating in our lender network.
• Third party lenders with whom we have a business relationship.

These third party lenders may use your personally identifiable information to offer you a personal loan. Any lenders with whom we share 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 we have transferred or shared it with those lenders as described in this Privacy Policy or our Terms of Use.

EncoreLoan may also share your personally identifiable information with third party marketing companies who may use your personally identifiable information to communicate with you about other businesses, promotional offers, products, goods or services. Any licensees with whom we share 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 we have shared it with those marketing companies as described in this Privacy Policy or our Terms of Use.

EncoreLoan 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. We will disclose your personally identifiable information when we believe 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 our company, our employees, our Website users, or others, or to enforce our Website terms and conditions or other agreements or policies.

Disclosures of Personally-Identifiable Information For a Business Purpose

In the preceding twelve (12) months, EncoreLoan has transferred and licensed personally identifiable information for business purposes.

Your Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your rights.

Access to Specific Information and Data Portability Rights

You have the right to request that EncoreLoan discloses certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we disclosed your personal information for a business purpose, we will identify the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that the we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Your Choices About The Use of Your Information and Opting Out

California - Do Not Sell My Information

If you are a resident of California, you have the right to opt-out of having your information sold. You can make a request to opt out by using the following button below titled "Do Not Sell My Personal Information" and filling out the form that follows. If you do decide to opt-out, we will no longer be able to help you by connecting you to loan providers. Please be aware that if you resubmit your information on this site, you are acknowledging that you wish us to help connect you with a lender again and by doing so, we may sell your information.

Do Not Sell My Personal Information

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by sending us a message to us at support@encoreloan.com or privacy@encoreloan.com or by calling us toll-free at 1-844-379-8621. Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. By submitting a request to this Website, you certify that you are at least eighteen (18) years old and agree to both the Terms of Use and Privacy Policies that govern this Website. You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Provide proof of California residency.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personally identifiable information if we cannot verify your identity or authority to make the request and confirm the personally identifiable information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personally identifiable information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We will endeavor process your request, where possible and subject to the terms and conditions contained in this Privacy Policy, within forty-five (45) days upon receipt. If we require more time, we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personally identifiable information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will explain that determination and provide you with a cost estimate before completing your request.

Federal and State regulations and/or the need to administer our relationships with our lenders and other third party partners may require that we store certain information for various periods of time. In order to comply with these requirements, your information may be stored until the expiration of the applicable period. We will use commercially reasonable efforts to delete your personal information no later than ninety (90) days after receiving your request, unless a longer retention period is required by law. Any request to remove personally identifiable information will be applicable to information held by EncoreLoan, and not information already shared with third parties. The treatment of such information is governed by those parties' privacy policies, not by this Privacy Policy.

Personal Information Transfer and Licensing Opt-Out and Opt-In and Email Unsubscribe Rights

EncoreLoan is not intended for use by anyone under 18 years of age. The foregoing provisions nonetheless apply in the event we unintentionally obtain information from someone under 18 years of age.

If you are sixteen (16) years of age or older, you have the right to direct us to not transfer or license your personally identifiable information at any time (the "right to opt-out"). We do not transfer or license the personally identifiable information of consumers we actually know are less than sixteen (16) years of age, unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is between thirteen (13) and sixteen (16) years of age, or the parent or guardian of a consumer less than thirteen (13) years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time.

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by emailing privacy@encoreloan.com and by using the subject line “right to opt-out.”

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personally identifiable information sales. However, you may change your mind and opt back in to personally identifiable information transfers or licensing at any time by emailing privacy@encoreloan.com.

You do not need to create an account with us to exercise your opt-out rights. We will only use personally identifiable information provided in an opt-out request to review and comply with the request.

When you submit your information on EncoreLoan, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the 'Unsubscribe' link on our site. Please allow for up to ten (10) business days for your request to be processed. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.

Non-Discrimination

We will not discriminate against you for exercising any of your rights under the CCPA. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you with a different level or quality of services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personally identifiable information ’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time. Further, you can choose not to provide us with certain personally identifiable information, however doing so may result in limited access to certain features and services provided on this Website and affect your ability to obtain a loan.

California Privacy Rights

California Civil Code Section 1798.83, also known as the 'Shine The Light' law, permits users who are residents of California to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. If you are a California resident and would like to make a request, please submit your request in writing to privacy@encoreloan.com.

Wireless Privacy Rights

We may use personal information you've provided on this site to administer the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified of, your wireless provider's standard message rates are applicable to our confirmation and all subsequent SMS correspondence. You may opt out from further SMS messages and remove your SMS information from our database by responding 'STOP', 'END' or 'QUIT' to the SMS text message you received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you.

Children Under The Age of 16

Our Website is not intended for children under 16 years of age. No one under the age of 16 may provide any personal information on our Website. We do not knowingly collect personal information from children under sixteen (16). If you are under sixteen (16), do not use or provide any information on this Website. If we learn we have collected or received personally identifiable information from a child under sixteen (16) without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under sixteen (16), please contact us at the email address below. By submitting your information to this Website, you agree to this Privacy Policy in its entirety; you also acknowledge and warrant that you are at least eighteen (18) years old, a resident of the United States, and are otherwise legally qualified to enter into and form contracts under applicable law.

Security - How We Protect Your Information

EncoreLoan takes appropriate and reasonable security measures to help safeguard your personal and sensitive information. The information you enter into this Website is protected using industry-compliant 256-bit encryption technology, keeping your information safe from unauthorized access, use, modification and disclosure. Transmission is also secured by secure socket layer technology (SSL). Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure.

Contact

If you have questions, comments or concerns regarding this Privacy Policy, please write to us via email at privacy@encoreloan.com or support@encoreloan.com.