PRIVACY AND SECURITY POLICY

IJLinancial (REFERRED TO AS THE "COMPANY", "WE", "US" OR "OUR", AS APPLICABLE) PROVIDES YOU WITH ACCESS TO THIS WEBSITE LOCATED AT www.IJLfinancial.us (THE "SITE") SUBJECT TO THESE TERMS AND CONDITIONS OF USE ("TERMS AND CONDITIONS"). PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE SITE. THESE TERMS AND CONDITIONS GOVERN YOUR USE OF THIS SITE. BY ACCESSING AND USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ANY UPDATES HERETO. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE THIS SITE.

This Privacy and Security Policy is provided for the benefit of customers and clients of IJLfinancial, Inc. (“Company”) as well as other consumers and parties who seek information from or about Company and/or its website(s).

1. OPENING STATEMENTS

 

1.1 Definitions. Across its various policies and Website, Company strives to use the same definitions for particular terms. By doing so, Company seeks to make its policies and governing documents consistent and user-friendly. For this reason, Company provides the definitions for these terms in one location and directs you to our Terms of Use for such definitions.

 

1.2 Our Commitment to Privacy. Company respects the privacy and the confidentiality of our customers’ information, particularly our customers’ personally identifiable information (also commonly referred to as personally identifying information) (“Pli”). We are committed to keeping confidential the "PlI" you share with us. This Privacy and Security Policy explains how Company collects, uses, discloses and protects the information we obtain.

 

1.3 Applicability of Privacy and Security Policy. Our Privacy and Security Policy applies to all individuals and entities from whom or for the benefit of whom we receive "PlI", whether it be collected through our corporate owned websites; traditional mailing and/or faxing channels; telephone or electronic communications; from some other medium; or from our clients.

 

1.4 Website Not Directed to Minors. The Website is a professional website directed toward adult individuals seeking to obtain a financial services. As such, an individual must be aged eighteen (18) or over to create an account through the Website. As such, the Website is not directed toward children or minors.

 

2. PERSONAL INFORMATION COLLECTED AND HOW IT IS USED

 

2.1 Personal Identifiable Information (PlI) is any information that would, by Itself, Identify you or tend to identify you as a particular Individual or entity. This "PlI" may Include, but not be limited to, your name, your address, phone number(s), cell phone number, bank account

information, personal financial Information, and/or personal identification number (such as a social

security number or driver’s license number).

 

2.1.1 PlI does not include any public information that is readily attainable through federaL, state or local public record distribution channels.

 

2.1.2 PlI does not include any information that, by itself, could not identify you as a particular individual or entity.

 

2.1.3 PlI also does not include raw data that becomes aggregated for statistical purposes and cannot, thereafter, be identified with you as a unique individual or entity,

 

2.1.4 treat it as such, Company does consider your Internet Protocol (“IP”) address to be P11 and will

 

2.1.5 information and other information that, by itself, would not be considered personally identifiable

Information.

 

2.2.2 When you contact us and/or apply for services through our Website (“Website Services”), we collect information submitted by you Including, but not limited to, your full name, email address, city/state/zip code, phone number, cell phone number, and information related to email address, city/state/zip code, phone number, cell phone number, and information related to your vehicle. The foregoing information can generally be considered Pli.

 

2.2.3 Prior to applying for a loan from our Participating Lenders, we may also collect

your name, physical address, telephone number, cell phone number, personal identification

number (such as a social security number or driver’s license number), email address, date of birth,

driver’s license number and state, information about home ownership, citizenship status,

employment information, personal financial information, active military information, amount and

frequency of pay checks, vehicle information, merchandise pawn information, and information

about your banking account. The foregoing information can also generally be considered Pli.

 

2.2.4 We may also require you to provide copies of documents containing PlI such as

personal references, your driver’s license, vehicle registration, income statements or pay stubs,

and photographs of vehicle.

 

2.2.5 In addition to the foregoing, Company aLso may collect your browser type and

language; access times; information about areas of the site visited by users of the site; and,

Information about the links users may select to visit on the site. This Information can generally be

considered non-Pli.

 

2.2.6 Whether Pli or non-Pli, we reserve the right to request additional information

from you consistent with this Privacy and Security Policy

 

2.3 Using Information

 

2.3.1 PlI

 

23.1.1 Company will explain how it intends to use PlI either before It

collects the information (such as in this Privacy and Security Policy) or

contemporaneously with the solicitation of such information. Exceptions may exist

where the intended use is obvious to a reasonable person.

 

2.3.1.2 We will use the Pli collected only for the purposes explained to

you. Further, we limit the collection of Pli to only that information which is necessary

for the purposes explained to you.

 

2.3.1.3 Generally, Company may use PlI to identify our customers (this may

preclude in certain circumstances the necessity to enter information more than once);

provide the Website, Website Services, and/or Its various features In the normal course

of operations; operate or improve the Website and/or Website Services; send

notifications related to the use of our Website and Website Services; submit

information and/or outsource certain services to Participating Lenders; complete a

transaction that has been requested; develop aggregate information; and/or as

otherwise disclosed to you.

 

2.3.1.4 We also may use Pli (and some non-Pli) collected about you (a) as

part of our efforts to keep Company safe and secure; (b) to provide you with location

features and services, like telling you how far our nearest office or a Participating

Lender may be; (C) to measure or understand the effectiveness of ads you and others

see; (d) to provide the Website Services; (e) to provide content and features relevant

to you; (f) to make suggestions to you and other users on Company; and (g) provide

support.

 

2.3.1.5 ranting us this permission not only allows us to provide Company

as It exists today, but It also allows us to provide you with Innovative features and

services we develop in the future that use the Pli we receive about you In new ways.

 

2.3.1.7 While you are allowing us to use the Pli we receive about you, you

always own all of your information. Your trust is important to us, which is why we dont

share pli we receive about you with others unLess we have: (a) received your

permission; (b) given you notice, such as by telling you about it in this policy; or (C)

removed your name or any other personally Identifiable information from it.

 

2.3.1.8 We may also use the Pli you provide in using the Website and

Website Services to let you know by electronic mall, phone, text or other

communication method of additional products and services about which you might be

interested.

 

2.3.1.9 Unless we are required to do so by law, we shall not obtain your

consent before collecting Pli about you from parties other than Company. Rather,

Company shall presume that you have previously provided such consent to any such

third party from whom Company obtains such Information.

 

2.3.1.10 Company restricts the use of your Pli to Companys’ personnel and

its Participating Lenders.

 

2.3.1 .11 We shall not sell your Pli in the normal course of business

operations. Should ail or any part of Company’ business operations be sold, this

paragraph shall not restrict the transfer of your Pli as part of the Website and/or

business sold to a third party.

 

2.3.2 Non- Personally Identifiable Information

 

2.3.2.1 Company generally uses non-Pli for analysis and statistical

purposes designed to provide consumers and customers a better experience on our

Website. Additionally, we may use aggregated information derived from pli to improve

the Website, the Website Services, and related services.

 

2.3.2.2 Non-personally identifiable information collected by Company

may be utilized without restriction.

 

2.3.2.3 Although non-Pli can be used in a number of ways, you can be

assured that the use of the non-personally Identifiable Information cannot identify you

as a particular individual.

 

2.3.2.4 Because non-Pu cannot be used to identify you, Company may

in its discretion provide non-Pli to other persons or entities.

 

2.4 Disclosing information

 

2.4.1 We do not share Pli we obtain from your use of our Website and/or

Website Services with others except as described in this Privacy and Security Policy and the

Terms of Use. In particular, we may share your pli with our

Participating Lenders for purposes of providing you with the Website Services you seek

 

2.4.2 Generally, Company may provide PlI to other persons where (a) we have

your consent; (b) the disclosure is necessary to complete a transaction requested; (C) we have

obtained information from a third party (presuming that you have previously provided such consent

to any such third party from whom Company obtains such information); (d) we are required or

permitted to do so by law; (e) the Website and/or Website Services are used (I) in a manner that

violates the Terms of Use or (ii) for purposes other than those for which they were specifically

intended; and/or (f) the terms of this Privacy and Security Policy and/or the Terms of Use

otherwise permit and/or provide for such disclosure.

 

2.4,3 Business Transfers. Company reserves the right to sell, transfer or

otherwise share some or all of its assets, including personally identifiable information, in

connection with a sate of assets; a merger, acquisition, or reorganization; or, filing for bankruptcy.

You will have the opportunity to opt out of any such transfer if the planned processing of your

and/or Content created by you to govern as we, In our sole discretion, believe necessary or appropriate to:

(1) comply with an order from a

court of competent jurisdiction, regulatory agency, and/or other governmental authority; (2)

respond to claims, court orders, or other legal process (including subpoenas); (3) enforce the terms

of this and other Company agreements as well as to protect the property and rights of Company, its

Participating Lenders, its Strategic Partners or other third parties; (4) protect, in Company’s sole

discretion, the public or any person from harm; (5) investigate, prevent, stop, or take other action

regarding any action perceived to be fraudulent, illegal, unethical, or legally actionable in

Company’s sole discretion; and/or generally, (6) comply with the Law.

 

2.4.5 Notice: Unless restricted from doing so, Company will attempt to

notify you before It releases any of your Pli or Content pursuant to (1) and (2) In paragraph 2.4.4.

only. In such cases, Company will also provide you with general Information on how you may seek

to block such a release of information and/or direct you to resources that can provide such general

Information. The provision of such general information to you Is not and should not be construed

as providing you with legal advice. Additionally, Company is under no other obligation to assist you

In challenging or opposing a release of your Information.

 

24.6 Participating Lenders. The Website and Website Services anticipate

providing your PlI to lenders that participate in our network (“Participating lenders”) to analyze

your information for purposes of determining whether they can offer you a Loan.

 

2.4.7 Strategic Partners. Company may employ, engage or retain certain trusted

third parties (“Strategic Partners”) to perform functions and/or provide services on its behalf.

Company will share Pli with these Strategic Partners only to the extent necessary to perform the

functions and/or provide the services for which they have been employed, engaged or retained.

Company shall also secure contractual obligations from our Strategic Partners to maintain the

privacy and security of the Pli shared with them.

 

2.5 Information Obtained From Use of Company’ Websites

 

2.5.1 Cookies.

 

2.5.1.1 Cookies can be defined as bits of data stored on your computer

that allow website(s) to identify your browser and session.

 

2.5.1 .2 if you reject all cookies, you may not be able to use the

Website Services or products that require you to “sign in” and you may not be able to

take full advantage of all offerings.

 

2.5.1 .3 Worst browsers allow you to configure It to accept all cookies,

reject all cookies, or notify you when a cookie is set.

 

2.5.1.4 The Website uses its own cookies for a number of purposes

including, but not limited to:

A. Requiring you to reenter your passvord after a certain period of time

has elapsed to protect you against others accidentally accessing your

account contents;

B. Keep track of preferences specified by our customers while using the

Website;

C. Estimate and report our total audience size and traffic; and,

D. Conduct research to Improve the content and services provided on the

Website.

 

2.5.1 .5 Many of our Participating Lenders and Strategic Partners may

use cookies. Company maintains no control over the use of cookies by our Participating

Lenders, Strategic Partners, and third-party advertisers. For Information on how these

third parties utilize cookies collected. you should examine their respective privacy

Depending upon your web browser’s security settings, you may have the ability to

reject alt cookies.

 

2.5.2 Browser and Session Information. Company may collect information about your

browser and session at the Website and/or in using the Website Services.

 

2.5.3 IP Addresses.

 

2.5.3.1 Company maintains a tog of Internet Protocol (IP) addresses

when any corporate owned computers, servers, and/or websites (including, the

Website) have been accessed. An IP address by itself does not allow us to collect

additional Pli about you.

 

2.5.3.2 IP addresses may be used for various purposes, including to:

A. Diagnose and prevent service or technology problems reported by our users or

engineers that are associated with the IP addresses controlled by a specific

web company or ISP;

B. Estimate the total number of users visiting a Company computer, server and/or

website from specific geographical regions.

C. Help determine which users have access privileges to certain content, services

or resources offered; and,

D. Monitor and prevent fraud and abuse.

 

2.5.3.3 OTHER THAN YOUR IP ADDRESS, COMPANY DOES NOT

DIRECTLY COLLECT ANY PERSONALLY Identifiable Information ABOUT YOU

UNLESS YOU VOLUNTARILY PROVIDE US With THIS Information.

 

2.7 Data Retention.

 

2.7.1. Company shall use commercially reasonable efforts to maintain storage

information subject to the terms of this Privacy and Security Policy and the Terms of Use.

 

2.7.2. The Length of time for which Company retains Pli and other information will

vary depending on the nature of the services for which the information has been collected and the

nature of the information.

 

2.7.3. Although this period may extend beyond the end of your relationship with

Company, It will be retained for only so tong as necessary for Company to respond to any Issues

arising from your relationship with Company.

 

2.7.4. When Company no Longer needs or requires your personal information,

Company will destroy, delete, erase or convert information to an anonymous form without notice

to you.

 

2.7.5. Depending on the Website Services used, Company may delete information

Including, but not limited to, stored messages and records of your account without notice to you.

Company recommends that you back up on your own computer any critical and important

Information.

 

2.7.6. Should your account be terminated, Company may Immediately and

permanently delete all stored messages and records of your account without notice to you.

 

3. CONSENT

 

3.1. Company may obtain personal information about you through a variety of sources. For

each source or method, the manner of consent may differ.

 

3.2. IJLfinancial, Inc. may obtain personal information about you through a variety of sources.

 

5.4. Your information will be stored on secure servers in the United States.

 

6. DISCLAIMER AS TO THIRD-PARTY WEBSITES

Although our corporate owned websites may contain links to other third-party websites and for may be

advertised on such third-party websites, Company is not responsible for the privacy practices or the

content of such websites and specifically disclaims any such responsibility. Company does not monitor

the privacy practices or content of these websites. If you have any questions about the privacy

practices of a website other than a Company owned website, you need to contact the Privacy Officer of

the website about which you have a question.

 

7. INCORPORATION OF OTHER APPLICABLE TERMS

Your use of the Website and Website Services is subject to this Privacy and Security Policy as well as

the Terms of Use, the terms of which are incorporated herein by reference. You should carefully

review the Terms of Use.

 

8. PRIVACY OF CHILDREN

We make it a practice not to knowingly obtain and/or retain information about individuals under the

age of eighteen (18). Indeed, no part of our Website or Website Services Is directed to anyone under

the age of eighteen (18).

 

9. ADDITIONAL INFORMATION

 

9.1 When you post content to the World Wide Web, you have the ability to post content

which may include personally identifiable information about yourself. You are responsible for the

information you post online or you share with another website that you Link to from our website. You

do so at your own risk. Company warns you to be careful in posting information accessible to the

public.

 

9.2 If you post personal information online that is accessible to the public, you may receive

unsolicited messages from other parties or other unwanted and possibly harmful contact. Company

warns you to be careful In posting Information accessible to the public.

 

10. REVISIONS TO PRIVACY AND SECURITY POLICY

 

10.1. Company reserves the right to revise, amend, or modify this Privacy and Security

Policy, our Terms of Use, and other online policies and agreements at any time and in any manner.

 

10.2. Company shall provide notice of such changes by posting the revised policies to the

applicable Company owned websites and by electronic mail.

 

10.3. With respect to this Privacy and Security Policy, you should visit our Website from time

to time to review the then-current terms. At any time, the current-posted policies govern and shall be

binding.

 

For Additional Information or Questions, Contact Our Privacy Officer

Company has a designated Privacy Officer. If you have additional questions or concerns regarding how

Company is managing or using your personal information, please send us your questions.