Personally Identifiable Information
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 site, such as completing one or more steps of an online form to make a request for a loan from a lender participating in our lender network. The types of personally identifiable information we collect include your name, telephone number, social security number, email address, date of birth, driver's license number and state, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
EncoreLoan may share this non-personally identifiable information only in summary form with its partners for the purpose of aggregate web site statistical and trend analysis. This information is not associated to any personally identifiable information that can identify an individual person.
We may review and use your financial information and your social security number to connect you with participating lenders in our lender network or other third party lenders with whom we have a business relationship. We may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions. Under 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 attempt to verify a user's identity, lenders may obtain, verify, and record information identifying the user.
EncoreLoan may share your personally identifiable information (including, without limitation, your financial account information and social security number) with lenders participating in our lender network and other 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 or to communicate with you about other business or promotional offers.
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 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.
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 10 business days for your request to be to 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.
California Civil Code Section 1798.83, also known as the 'Shine The Light' law, permits users who are residents of California to request and obtain once a year, free of charge, information about the information (if any) that was disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information with in the preceding calendar year. If you are a California resident and would like to make a request, please submit your request in writing to privacy@EncoreLoan.com.
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 apply 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.
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.