Privacy Policy

Last Updated: 09/14/2017

Welcome to Borrowize! We're here to provide you with tools and services that are designed to help you find loans and credit alternatives through our tools and network of responsible lenders. Our privacy policy (the "Privacy Policy") describes the information Borrowize Co. ("Borrowize," "," "we," "us" or "our") collects when you sign up for emails, use, access or otherwise interact with our website, products or services (collectively, the "Services"), why we collect it, how we use and share the information that we collect and receive, and the choices we offer.

In addition, please review our Terms of Use, which governs your use of our Services.

If you have questions or complaints regarding our privacy policy or practices, please contact us at [email protected].

1. What Information Do We Collect?

Information You Provide to Us

When you "sign up" with Borrowize, "opt-in" to our receiving email communications from Borrowize, or otherwise use our Services, we may ask you to provide us with certain information such as: (1) information that could reasonably be used to identify you personally, such as your name and/or email address ("Personal Information"); and (2) other information about things like your income, gender or household. For example, we may collect Personal Information or other information directly from you through various other forms and places throughout the Services, including "Contact Us" form, or when you otherwise interact with us in order to provide or enhance our Services. We may combine non-personal information with Personal Information, but we will treat the combined information as Personal Information as long as it is combined.

The Services are operated in the United States and intended for users located in the United States.

The Services are not intended for anyone under the age of 18. We do not knowingly collect any Personal Information from children younger than the age of 13. We will delete any Personal Information collected that we determine to be from a user younger than the age 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed Personal Information or other information to us, please contact us at [email protected] via email or contact us by mail at: Borrowize Co., 9350 Wilshire Boulevard, Suite 203, Beverly Hills, California 90212.

Information We Collect As You Access And Use The Services

In addition to any Personal Information or other information that you choose to submit to us, we and our third-party service providers may use a variety of technologies that automatically collect certain information telling us how you access or interact with the Services ("Usage Information"). For an explanation of the technical terms we use below, see our Glossary, below. The Usage Information we may collect includes:

Information Third Parties Provide About You

We may supplement the information we collect about you with information from third parties in order to enhance our ability to serve you, to tailor our content to you and to offer you opportunities to consider financial products or services that we believe may be of interest to you. This includes, for example, the loan & credit card and pre-paid card options we may generate on your behalf when you submit your information. We may combine the information we receive from outside sources with information we collect through the Services. We treat all information about you, whether received from you or from a third party, in accordance with this Privacy Policy and our Terms of Use.

Information Third Parties Collect

Borrowize may post links to third party websites which are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third party sites and they may place their own cookies or other files on your Device, collect data, website usage information and your Device Identifier, or solicit Personal Information from you. We are not responsible for the privacy practices of any third party. We encourage you to note when you leave our Services and to read the privacy policies and terms of service of all third party websites or applications before submitting any Personal Information to third parties. In addition, our Services may include social media features, such as the Facebook Like button and widgets, the "Share This" button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our site. Your interactions with these features are governed by the privacy policy of the company providing the feature.

2. How Do We Use The Information We Collect?

We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance our user experience. For instance, we may use the information we collect in the following ways:

3. How Is Your Information Shared?

Borrowize does not share, sell or rent your Personal Information to third parties for any purpose except in the following circumstances:

4. Cookies and Online Tracking

Advertising Service Providers

We may work with third-party advertising networks, marketing partners, publishers and other entities ("Advertising Service Providers") to perform analytics and advertise our products and services on websites not affiliated with us. In connection with these advertising services, we or our Advertising Service Providers, like Google Analytics (discussed below) may use cookies, web beacons, and similar technologies to collect behavioral information about how you use our site or other websites in order to perform tracking and marketing analytics or serve advertisements that are more likely to be of interest to you ("Interest-Based Advertisements"). Our Advertising Service Providers may permit you to opt-out of all or some Interest-Based Advertisements on designated websites. For example, many of our Advertising Service Providers participate in the Network Advertising Initiative opt-out program or Digital Advertising Alliance opt-out program.

Disclosure Regarding Google Analytics Advertising Features

In addition to services from other Advertising Service Providers, we utilize the following Google Analytics Advertising Features as part of our marketing analytics and advertising: Remarketing with Google Analytics, Google Display Network Impression Reporting, DoubleClick Platform integrations and Google Analytics Demographics and Interest Reporting and may use other services provided by Google Analytics from time to time. Google provides users an opportunity to opt-out of the Google Analytics Features through Google’s Ads Settings and their web browser opt-out plugin. For additional information on opting out of interest-based ads by Google, visit here.

Do Not Track Signals

At this time, Borrowize does not respond to automated signals regarding tracking mechanisms, including "do not track" instructions from your browser. However, you may change the privacy preferences in your browser to prevent or limit the use of cookies or similar technologies. Please note that blocking cookies or similar technologies may affect your browsing experience on many sites and may prevent your ability to use certain Borrowize Services, including many of the personalized features we provide for our members.

5. How Do I Change My Communications Preferences?

Communications Preferences

You may adjust your communications preferences by electing not to receive newsletters or alert emails by following the "unsubscribe" instructions included in each email.

6. Other Important Information About The Services

Security Practices Policy Statement

Borrowize maintains physical, electronic, administrative and procedural safeguards to protect the confidentiality of Personal Information. You are responsible for controlling access to your communications from Borrowize, at all times. However, Borrowize cannot ensure or warrant the security of any information you transmit to Borrowize or guarantee that information may not be accessed, disclosed, altered, or destroyed. Although we take steps to secure your information, we provide no warranties, nor should you expect, that your information will always remain secure. Users should also take care with how they handle and disclose their information. Borrowize is not responsible for the functionality or security measures of any third party or Provider.

If you have any questions about security on our Services, you can send an email to us at [email protected].

Your California Privacy Rights

California’s "Shine the Light" law, California Civil Code § 1798.83, requires certain businesses to respond to requests from California customers (those who have an established business relationship with us) asking about the business’ practices related to disclosing Personal Information to third parties for the third parties’ direct marketing purposes. We do not share customer information with third parties for their direct marketing purposes, and California’s Shine the Light law therefore does not apply to Borrowize.

Changes to Our Privacy Policy

We reserve the right to change this Privacy Policy at any time without notice to you. If there are any material changes in the way we treat Personal Information, Borrowize will notify you by sending a notice to the primary email address specified for your account or by placing a prominent notice on our site prior to the change becoming effective. Any changes will be effective immediately upon the posting of the revised Privacy Policy.

More Information

For additional information, or if you have questions regarding this policy or privacy practices at Borrowize, please submit your questions or comments directly to [email protected] via email or write to us at: Borrowize Co., 9350 Wilshire Boulevard, Suite 203, Beverly Hills, California 90212.

Glossary of Technical Terms:

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