(Effective Date: January 1, 2014)
Borinquen Title Loans will collect the following kinds of nonpublic personal information about you during the loan application process:
- Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
- Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
- Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
- Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.
Borinquen Title Loans only shares your information with third-party vendors who have been carefully selected for the purpose of verifying your identity, evaluating your application, and servicing your loan and who agree to maintain the privacy of your non-public information. These third-parties may include credit bureaus, identity verification services, and mail houses,
Borinquen Title Loans may via "session cookies" on its website use additional information to enhance the delivery of products, services, and information. A cookie is a small file that Borinquen Title Loans transfers to customers' computer hard drives. Cookies also enable Borinquen Title Loans to ensure that only a customer's web browser may exchange information regarding a customer's account with Borinquen Title Loans’ servers. Session cookies are temporary files that are erased when customers close all web browsers. Borinquen Title Loans does not use "persistent" cookies. These cookies do not contain any personally identifiable information. Borinquen Title Loans’ use of session cookies enables Borinquen Title Loans’ website customers to avoid the problem of being asked to provide the same information repeatedly while customers move from page to page on Borinquen Title Loans’ website; Cookies are required to operate the My Accounts feature. You can have your Web browser disable "cookies." If you turn off "cookies," it is not possible for us to offer you the My Accounts service. My Accounts provides online access to consolidated information about all of your accounts with Borinquen Title Loans. In addition, Borinquen Title Loans may track the aggregate number of e-mails from us that you read and whether any of the links in the e-mails were accessed.
Do Not Track
No Information Sharing Policy
We do not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.
Borinquen Title Loans’ Security Policy
Securing of a customers' nonpublic personal information is very important to Borinquen Title Loans and our employees must sign a privacy pledge acknowledging that that they are aware of Borinquen Title Loans’ policy regarding the use of and disclosure of customer information. Furthermore, Borinquen Title Loans has implemented various security measures to protect our customers' personal information from loss, misuse, or alteration. When customers send their personal identifying information to Borinquen Title Loans via Borinquen Title Loans’ website, Borinquen Title Loans requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the Borinquen Title Loans server and your computer must be sent only while in a secure mode or Borinquen Title Loans will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer's computer and Borinquen Title Loans’ servers are secured through the use of public key cryptography. The customer's computer exchanges key information with Borinquen Title Loans’ servers to create a private conversation that only the customer's computer and Borinquen Title Loans’ servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.
While using Borinquen Title Loans’ website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers' browser. After leaving a secured session, information transmitted to Borinquen Title Loans will not be secure. For security purposes, Borinquen Title Loans uses special software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to Borinquen Title Loans’ websites. These programs do not collect personally identifying information about customers, but do enable Borinquen Title Loans to collect information allowing Borinquen Title Loans to identify website users attempting to tamper with Borinquen Title Loans’ websites. Borinquen Title Loans has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of Borinquen Title Loans’ websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to Borinquen Title Loans, the customers' messages will contain the customers' return e-mail address. Thus, Borinquen Title Loans may utilize customers' e-mail addresses in responding to customer inquiries and the content of customers' e-mail in formulating a response. Borinquen Title Loans will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to Borinquen Title Loans is not necessarily secure against interception. Do not initiate communication with Borinquen Title Loans by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although Borinquen Title Loans strives to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. Borinquen Title Loans makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. Borinquen Title Loans protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.
Additional Security Feature of Shared Secrets
Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.
Information Retention Policy
Borinquen Title Loans will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify Borinquen Title Loans in writing with your request so that the proper authentication and forwarding information can be verified. If you wish to update or change information that Borinquen Title Loans maintains about you, please write to us at Borinquen Title Loans, 3440 Preston Ridge Rd., Suite 500, Alpharetta, GA 30005 and indicate your updates and changes. Please include your loan number, name, and the email address or telephone number where you may be reached.