Refinance Loans

Compare Your Loans Privacy Policy

Compare Your Loans is a company with the sole purpose of serving you, the consumer. Our entire reason for existence is to provide you the best and most current information regarding loans so you can get the best deal for yourself.

Whether you are looking for a new mortgage, home equity loan, refinancing, debt consolidation loan, student loan consolidation, or payday loans; we are the resource for you.

With Compare Your Loans, you not only get to compare rates on these types of loans for yourself; but you also get to chat with people who are in your same shoes and share your stories and knowledge with the entire community.

Your privacy is important to us. We understand that in seeking information on a mortgage refinance or other financial product or service you are entrusting us with your personal financial information. Compare Your Loans was created with consumer protection as a primary goal, and under no circumstances will we sell or share your personal information except as authorized by you or as required by law. This Privacy Policy describes how we use personal information that you submit to us through the Compare Your Loans website, how that information is protected, and what safeguards are available to you if you believe that your privacy has been violated or your personal information misappropriated.

1. Who We Are. Compare Your Loans is a company with the sole purpose of serving you, the consumer. Our entire reason for existence is to provide you the best and most current information regarding loans so you can get the best deal for yourself. Whether you are looking for a new mortgage, home equity loan, refinancing, debt consolidation loan, student loan consolidation, or payday loans; we are the resource for you. With Compare Your Loans, you not only get to compare rates on these types of loans for yourself; but you also get to chat with people who are in your same shoes and share your stories and knowledge with the entire community.

2. Information Collection and Use

We will collect and use personal information about you to respond to your request for products and services offered through the Compare Your Loans website. If your desire is to be updated about our ongoing services, please subscriber to our FREE NEWSLETTER and we will send you information in order to notify you about products, services, and other opportunities we think will be of interest to you. The information we collect may be from the following sources:

Information provided by you in connection with obtaining quotes for home purchase loans, home refinance loans, or home equity loans. For example, you will be asked to provide your full name, address, telephone number, Social Security Number, and other financial information depending upon your request.
Information provided by you in connection with obtaining quotes for other products or services such as insurance, medical procedures, business services, auto services, and real estate services.
Information provided by you in connection with obtaining a certain product or service offered by one our business partners.
Information you provide us when you register to receive communications from us (such as your email address).
Information you provide us when you enter promotions or sweepstakes offered by Compare Your Loans (such as your full name, physical address and email address).
Information you provide us through telephone and web based surveys, customer service correspondence, and general feedback.
Information you provide us when you apply for a job with Compare Your Loans

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.

Information We Collect – More Detail

When you inquire about financial products or services through the Compare Your Loans website, you may be asked to enter personal and non-personal information. Depending on the type of products or services you are inquiring about, you may need to provide personal and financial information such as your name, phone number, Social Security Number, e-mail address, income and other financial information. Compare Your Loans will never request or collect data on subject areas including medical/health conditions; racial or ethnic origin; political, religious or philosophical beliefs or affiliations; trade union membership or sex life. We will not sell or share any personal information about you or with any other third party except as authorized by you, to financial product and service providers who are network members in the Compare Your Loans system for the purpose of providing the product or service you are requesting, or as may be required by law.

Compare Your Loans’ technology also tracks aggregate information about how our system is being used, including anonymous user information, the number of visitors to our system sites, dates and times of visits and unique IP identifiers of the computers that communicate with our system.

You may also contact Compare Your Loans through the "Contact Us" feature. Participation in this area is completely voluntary and it is your choice whether or not you wish to disclose your personal information to us. In the "Contact Us" form, we may ask you for personally identifiable information such as your name, mailing address, email address, etc. This information will not be sold to any person or organization. However, your information may be shared with other parties relevant to your inquiry through Compare Your Loans to help resolve any issues you report to us. This is also the case if you file a complaint form through Compare Your Loans, as described below, to report possible fraud or a violation of your privacy.

3. How Your Information is Used. When you make an inquiry about a loan or other product through the Compare Your Loans website by entering your personal information and clicking on the "Submit" button, you are authorizing Compare Your Loans to share your inquiry and your personal information with other businesses who participate in the Compare Your Loans system who provide financial products or services that match your inquiry. Financial institutions and other loan services who subscribe to our system compete for the opportunity to provide financial products and services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by e-mail, telephone, or mail with information about financial products or services they offer that match your inquiry. This is true even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services. The information is subject to their privacy policy and corresponding regulations at this point.

Your information will not be shared by Compare Your Loans with other third parties or for any other purpose. Occasionally, we may use information you provide to obtain other information (such as a credit report) to match you with the lender that is the best fit for you. All lenders in our network are required to follow proper information usage procedures and are required to comply with federal and state privacy regulations. As part of the Compare Your Loans system of anti-fraud protection, we may also contact you directly to verify that you have submitted the information received through our website. By entering and submitting your personal contact information, including phone number and e-mail address to our website, you are authorizing Compare Your Loans, at its discretion, to contact you to confirm your identity and confirm that you are interested in seeking information about the financial products or services in your request. Compare Your Loans may contact you, either by phone or e-mail, to confirm that your information has not been submitted to our Web site fraudulently or in error.

Compare Your Loans may release account and any other personal information when we believe release is appropriate to respond to a subpoena or otherwise comply with the law or protect the rights, property, or safety of Compare Your Loans or others. This includes exchanging information with other companies and organizations for fraud protection.

Other Uses

Vendors - We sometimes disclose the information we collect to companies that operate various services for us such as marketing distribution, advertising, or certain product functionalities. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose.

Job Postings - We allow for the online submission of resumes and employment related information. Please note that the information (including personal information) collected through the online job application process on the Career section of our website is not subject to this Privacy Policy. However, we want to assure you that information obtained from our job site will be used solely for the purpose of accepting and evaluating your submission for possible employment and the related purposes described on our Career page.

Subsidiaries, Parent or Sister Companies - We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies. For example, we may share your information with CompareApple and its associated companies.

As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Compare Your Loans’ Terms of Use, or as otherwise required by law.

Business Transfer - As with any other business, it is possible that Compare Your Loans, Inc. in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by Compare Your Loans, including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.

Advertisements and Third Party Ad Servers
You may receive advertisements for Compare Your Loans from third parties. For instance, when visiting a third party website, you may receive a "pop up" window advertising Compare Your Loans. Please note that such advertisements are served by the third party website that you have visited and are not controlled by Compare Your Loans.com. In addition, such advertisements may be placed by third party ad servers or ad networks such as DoubleClick. These companies may employ cookies and action tags to measure advertising effectiveness. You may find more information at the website of either the individual ad network or the Network Advertising Initiative.

Cookies and IP Addresses
To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used Compare Your Loans. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners.

We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Clear Gifs
We employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If users would like to opt-out of these emails, please see the Opt-out section within any email you receive from us or unsubscribe from our homepage by clicking here.

Your Choices from Compare Your Loans

Marketing Email Options- You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to Compare Your Loans Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails).

Third Party Advertisers - Please note that Compare Your Loans can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.

Refusing Cookies - We utilize reputable third-party vendors to serve advertisements. If, however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser's instructions to perform this task.

The National Advertising Initiative ("NAI") has developed an opt-out tool with the express purpose of allowing consumers to "opt-out" of the targeted advertising delivered by its member networks. You can visit the NAI opt-out page and opt-out of cookie tracking. Please visit the NAI by clicking here.

Confidentiality and Security
The security of your personal information is very important at Compare Your Loans and we take a number of steps to safeguard it. For example:

We limit access to personal information to those employees or agents who assist us in providing requested products and services to you.
We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
We have partnered with BBBOnline and Trust, Inc. to protect against the loss, misuse or alteration of information that we collect from you.

Third Party Links
This Privacy Pledge applies to all information that you provide to Compare Your Loans.com. However, when you visit websites to which Compare Your Loans.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

Framing
In some cases, we may use third parties to operate portions of the Compare Your Loans website. Although the particular section of the website may have a similar appearance as the Compare Your Loans site, information submitted through these outside third parties are subject to that company's privacy policy unless otherwise stated. For example, personal information submitted through our Affiliate Program is subject to the Commission Junction privacy policy.

A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Removing Your Information
Federal and state regulations require that we maintain all information (including your personal information) submitted through the Compare Your Loans website for various time periods. In order to comply with these regulations, we cannot delete your information from our database.

Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us:

By sending an email to:
CustomerCare@CompareYourLoans.com

By sending a letter to:
Compare Your Loans, Inc.
Attn: Customer Care
1409 S. Lamar Street
Suite 1007
Dallas, TX 75215

4. How Our Privacy Policy is Monitored. Protecting your privacy and monitoring the integrity of the Compare Your Loans network against identity theft, fraud, spam and other illegal or nuisance activities are key objectives of Compare Your Loans. To this end we have designed several means of tracking your information once submitted and helping to ensure that it remains secure.

Compare Your Loans employs industry standard security measures to ensure the security of all personal data you submit directly to us. Any data that is stored on Compare Your Loans servers is treated as proprietary and confidential and is not available to the public. Compare Your Loans routinely evaluates its data security practices to identify security threats or opportunities for improvement. However, no transmission of data over the Internet is guaranteed to be completely secure. It may be possible for third parties not under the control of Compare Your Loans to intercept or access transmissions or private communications unlawfully. While we strive to protect your personally identifiable information, Compare Your Loans cannot ensure or warrant the security of any information that you transmit to us.

In addition to our technical security measures, we may attempt to contact you directly to confirm that you are the person whose contact information was submitted and that you are actually interested in seeking information on the financial products and services identified in your inquiry. By submitting your contact information to the Compare Your Loans website, you are authorizing us to contact you, in our discretion, for this purpose. Before your information is submitted to our online marketplace and matched with a financial vendor, you may receive an e-mail or telephone call from a member of Compare Your Loans' staff to confirm your identity and interest in such a solicitation. If we discover that your information has been submitted to us fraudulently or in error, we will not forward your information to any third party and will retain your confidential information for identification purposes to prevent further abuse of your privacy. We will also take all enforcement action that we feel may be appropriate.

In addition, if you become aware, either from our contact with a Compare Your Loans staff member or otherwise, that your personal information has been submitted to Compare Your Loans or by a business affiliated with the Compare Your Loans network without your authorization, you may complete and submit a complaint form to Compare Your Loans, which we will use to investigate and resolve your complaint. By completing and submitting the Compare Your Loans fraud complaint form, you are authorizing Compare Your Loans to contact you further as needed for any additional information to investigate and resolve your complaint.

5. Changes to This Policy; Additional Information. If you have questions or concerns regarding this Privacy Policy, you should first contact Compare Your Loans by going to the "Contact Us" page. Compare Your Loans may find it necessary or be legally obligated to update this Privacy Policy from time to time. When we do, we will post those changes on this page and update the effective date so that you are always aware of the information we collect, how we use it, and under what circumstances we disclose it. Any changes will become effective upon posting, unless otherwise stated.

You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.

By using this site, you signify your assent to the Compare Your Loans Privacy Policy. If you do not agree to this policy, please do not use any of the Compare Your Loans site. W hen you request rate quotes or other information through Compare Your Loans, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. Compare Your Loans is not responsible for the privacy policies and practices of the financial product and service providers who participate in its network and may contact you with their offerings once you submit your information. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

6. How to Contact Us. For more information or if you have questions or concerns regarding the Compare Your Loans Privacy Policy, please complete the form on the "Contact Us" page. You can also send correspondence to the following address:

Compare Your Loans

Attn: Privacy

1409 S. Lamar Street
Suite 1007
Dallas, TX 75215

Updated November 16, 2006