Last updated January 01, 2020
Thank you for choosing to be part of our community at Next Loan Technologies, LLC, doing business as LoanGraphs ("LoanGraphs", "we", "us", "our").
We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice, or our
practices with regards to your personal information, please contact us at
nathan@loangraphs.com.
When you visit our website https://www.loangraphs.com (the "Website"), and more generally, use any of our services (the "Services", which include
the Website), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy notice, we seek to
explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some
time to read through it carefully, as it is important. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our
Services immediately.
This privacy notice applies to all information collected through our Services (which, as described above, includes our Website), as well as, any related
services, sales, marketing or events.
Please read this privacy notice carefully as it will help you understand what we do with the information that we collect.
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE USE YOUR INFORMATION?
3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
5. HOW DO WE HANDLE YOUR SOCIAL LOGINS?
6. HOW LONG DO WE KEEP YOUR INFORMATION?
7. HOW DO WE KEEP YOUR INFORMATION SAFE?
8. DO WE COLLECT INFORMATION FROM MINORS?
9. WHAT ARE YOUR PRIVACY RIGHTS?
10. CONTROLS FOR DO-NOT-TRACK FEATURES
11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
12. DO WE MAKE UPDATES TO THIS NOTICE?
13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
14. HOW CAN YOU REVIEW, UPDATE OR DELETE THE DATA WE COLLECT
FROM YOU?
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
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We collect personal information that you voluntarily provide to us when you
register on the Website, express an interest in obtaining information about us or
our products and Services, when you participate in activities on the Website or
otherwise when you contact us.
The personal information that we collect depends on the context of your
interactions with us and the Website, the choices you make and the products and
features you use. The personal information we collect may include the following:
Personal Information Provided by You. We collect names; phone
numbers; email addresses; mailing addresses; job
titles; usernames; passwords; contact preferences; contact or authentication
data; billing addresses; debit/credit card numbers; and other similar information.
Payment Data. We may collect data necessary to process your payment if you
make purchases, such as your payment instrument number (such as a credit card
number), and the security code associated with your payment instrument. All
payment data is stored by Stripe. You may find their privacy notice link(s) here:
https://stripe.com/gb/privacy.
Social Media Login Data. We may provide you with the option to register with us
using your existing social media account details, like your Facebook, Twitter or
other social media account. If you choose to register in this way, we will collect the
information described in the section called "HOW DO WE HANDLE YOUR
SOCIAL LOGINS?" below.
All personal information that you provide to us must be true, complete and
accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or
browser and device characteristics — is collected automatically when you visit our
Website.
We automatically collect certain information when you visit, use or navigate the
Website. This information does not reveal your specific identity (like your name or
contact information) but may include device and usage information, such as your
IP address, browser and device characteristics, operating system, language
preferences, referring URLs, device name, country, location, information about
how and when you use our Website and other technical information. This
information is primarily needed to maintain the security and operation of our
Website, and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar
technologies.
The information we collect includes:
Log and Usage Data. Log and usage data is service-related, diagnostic,
usage and performance information our servers automatically collect when
you access or use our Website and which we record in log files. Depending
on how you interact with us, this log data may include your IP address,
device information, browser type and settings and information about your
activity in the Website (such as the date/time stamps associated with your
usage, pages and files viewed, searches and other actions you take such
as which features you use), device event information (such as system
activity, error reports (sometimes called 'crash dumps') and hardware
settings).
Device Data. We collect device data such as information about your
computer, phone, tablet or other device you use to access the Website.
Depending on the device used, this device data may include information
such as your IP address (or proxy server), device and application
identification numbers, location, browser type, hardware model Internet
service provider and/or mobile carrier, operating system and system
configuration information.
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Location Data. We collect location data such as information about your
device's location, which can be either precise or imprecise. How much
information we collect depends on the type and settings of the device you
use to access the Website. For example, we may use GPS and other
technologies to collect geolocation data that tells us your current location
(based on your IP address). You can opt out of allowing us to collect this
information either by refusing access to the information or by disabling your
Location setting on your device. Note however, if you choose to opt out, you
may not be able to use certain aspects of the Services.
2. HOW DO WE USE YOUR INFORMATION?
In Short: We process your information for purposes based on legitimate business
interests, the fulfillment of our contract with you, compliance with our legal
obligations, and/or your consent.
We use personal information collected via our Website for a variety of business
purposes described below. We process your personal information for these
purposes in reliance on our legitimate business interests, in order to enter into or
perform a contract with you, with your consent, and/or for compliance with our
legal obligations. We indicate the specific processing grounds we rely on next to
each purpose listed below.
We use the information we collect or receive:
To facilitate account creation and logon process. If you choose to link
your account with us to a third-party account (such as your Google or
Facebook account), we use the information you allowed us to collect from
those third parties to facilitate account creation and logon process for the
performance of the contract. See the section below headed "HOW DO WE
HANDLE YOUR SOCIAL LOGINS?" for further information.
To post testimonials. We post testimonials on our Website that may
contain personal information. Prior to posting a testimonial, we will obtain
your consent to use your name and the content of the testimonial. If you
wish to update, or delete your testimonial, please contact us at
nathan@loangraphs.com and be sure to include your name, testimonial
location, and contact information.
Request feedback. We may use your information to request feedback and
to contact you about your use of our Website.
To enable user-to-user communications. We may use your information in
order to enable user-to-user communications with each user's consent.
To manage user accounts. We may use your information for the purposes
of managing our account and keeping it in working order.
To send administrative information to you. We may use your personal
information to send you product, service and new feature information and/or
information about changes to our terms, conditions, and policies.
To protect our Services. We may use your information as part of our
efforts to keep our Website safe and secure (for example, for fraud
monitoring and prevention).
To enforce our terms, conditions and policies for business purposes,
to comply with legal and regulatory requirements or in connection
with our contract.
To respond to legal requests and prevent harm. If we receive a
subpoena or other legal request, we may need to inspect the data we hold
to determine how to respond.
Fulfill and manage your orders. We may use your information to fulfill and
manage your orders, payments, returns, and exchanges made through the
Website.
Administer prize draws and competitions. We may use your information
to administer prize draws and competitions when you elect to participate in
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our competitions.
To deliver and facilitate delivery of services to the user. We may use
your information to provide you with the requested service.
To respond to user inquiries/offer support to users. We may use your
information to respond to your inquiries and solve any potential issues you
might have with the use of our Services.
To send you marketing and promotional communications. We and/or
our third-party marketing partners may use the personal information you
send to us for our marketing purposes, if this is in accordance with your
marketing preferences. For example, when expressing an interest in
obtaining information about us or our Website, subscribing to marketing or
otherwise contacting us, we will collect personal information from you. You
can opt-out of our marketing emails at any time (see the "WHAT ARE
YOUR PRIVACY RIGHTS?" below).
Deliver targeted advertising to you. We may use your information to
develop and display personalized content and advertising (and work with
third parties who do so) tailored to your interests and/or location and to
measure its effectiveness.
For other business purposes. We may use your information for other
business purposes, such as data analysis, identifying usage trends,
determining the effectiveness of our promotional campaigns and to evaluate
and improve our Website, products, marketing and your experience. We
may use and store this information in aggregated and anonymized form so
that it is not associated with individual end users and does not include
personal information. We will not use identifiable personal information
without your consent.
3. WILL YOUR INFORMATION BE SHARED WITH
ANYONE?
In Short: We only share information with your consent, to comply with laws, to
provide you with services, to protect your rights, or to fulfill business obligations.
We may process or share your data that we hold based on the following legal
basis:
Consent: We may process your data if you have given us specific consent
to use your personal information for a specific purpose.
Legitimate Interests: We may process your data when it is reasonably
necessary to achieve our legitimate business interests.
Performance of a Contract: Where we have entered into a contract with
you, we may process your personal information to fulfill the terms of our
contract.
Legal Obligations: We may disclose your information where we are legally
required to do so in order to comply with applicable law, governmental
requests, a judicial proceeding, court order, or legal process, such as in
response to a court order or a subpoena (including in response to public
authorities to meet national security or law enforcement requirements).
Vital Interests: We may disclose your information where we believe it is
necessary to investigate, prevent, or take action regarding potential
violations of our policies, suspected fraud, situations involving potential
threats to the safety of any person and illegal activities, or as evidence in
litigation in which we are involved.
More specifically, we may need to process your data or share your personal
information in the following situations:
Business Transfers. We may share or transfer your information in
connection with, or during negotiations of, any merger, sale of company
assets, financing, or acquisition of all or a portion of our business to another
company.
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Google Maps Platform APIs. We may share your information with certain
Google Maps Platform APIs (e.g., Google Maps API, Place API). To find out
more about Google’s Privacy Policy, please refer to this link. We obtain and
store on your device ('cache') your location for three (3) months. You
may revoke your consent anytime by contacting us at the contact
details provided at the end of this document.
Business Partners. We may share your information with our business
partners to offer you certain products, services or promotions.
4. DO WE USE COOKIES AND OTHER TRACKING
TECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and
store your information.
We may use cookies and similar tracking technologies (like web beacons and
pixels) to access or store information. Specific information about how we use such
technologies and how you can refuse certain cookies is set out in our Cookie
Notice.
5. HOW DO WE HANDLE YOUR SOCIAL LOGINS?
In Short: If you choose to register or log in to our services using a social media
account, we may have access to certain information about you.
Our Website offers you the ability to register and login using your third-party social
media account details (like your Facebook or Twitter logins). Where you choose to
do this, we will receive certain profile information about you from your social media
provider. The profile information we receive may vary depending on the social
media provider concerned, but will often include your name, email address, friends
list, profile picture as well as other information you choose to make public on such
social media platform.
We will use the information we receive only for the purposes that are described in
this privacy notice or that are otherwise made clear to you on the relevant
Website. Please note that we do not control, and are not responsible for, other
uses of your personal information by your third-party social media provider. We
recommend that you review their privacy notice to understand how they collect,
use and share your personal information, and how you can set your privacy
preferences on their sites and apps.
6. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the
purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the
purposes set out in this privacy notice, unless a longer retention period is required
or permitted by law (such as tax, accounting or other legal requirements). No
purpose in this notice will require us keeping your personal information for longer
than the period of time in which users have an account with us.
When we have no ongoing legitimate business need to process your personal
information, we will either delete or anonymize such information, or, if this is not
possible (for example, because your personal information has been stored in
backup archives), then we will securely store your personal information and isolate
it from any further processing until deletion is possible.
7. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of
organizational and technical security measures.
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We have implemented appropriate technical and organizational security measures
designed to protect the security of any personal information we process. However,
despite our safeguards and efforts to secure your information, no electronic
transmission over the Internet or information storage technology can be
guaranteed to be 100% secure, so we cannot promise or guarantee that hackers,
cybercriminals, or other unauthorized third parties will not be able to defeat our
security, and improperly collect, access, steal, or modify your information.
Although we will do our best to protect your personal information, transmission of
personal information to and from our Website is at your own risk. You should only
access the Website within a secure environment.
8. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to children under 18
years of age.
We do not knowingly solicit data from or market to children under 18 years of age.
By using the Website, you represent that you are at least 18 or that you are the
parent or guardian of such a minor and consent to such minor dependent’s use of
the Website. If we learn that personal information from users less than 18 years of
age has been collected, we will deactivate the account and take reasonable
measures to promptly delete such data from our records. If you become aware of
any data we may have collected from children under age 18, please contact us at
nathan@loangraphs.com.
9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time.
If you are a resident in the EEA or UK and you believe we are unlawfully
processing your personal information, you also have the right to complain to your
local data protection supervisory authority. You can find their contact details here:
http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
If you are a resident in Switzerland, the contact details for the data protection
authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.
If you have questions or comments about your privacy rights, you may email us at
nathan@loangraphs.com.
Account Information
If you would at any time like to review or change the information in your account or
terminate your account, you can:
Log in to your account settings and update your user account.
Contact us using the contact information provided.
Upon your request to terminate your account, we will deactivate or delete your
account and information from our active databases. However, we may retain some
information in our files to prevent fraud, troubleshoot problems, assist with any
investigations, enforce our Terms of Use and/or comply with applicable legal
requirements.
Cookies and similar technologies: Most Web browsers are set to accept
cookies by default. If you prefer, you can usually choose to set your browser to
remove cookies and to reject cookies. If you choose to remove cookies or reject
cookies, this could affect certain features or services of our Website. To opt-out of
interest-based advertising by advertisers on our Website visit
http://www.aboutads.info/choices/.
Opting out of email marketing: You can unsubscribe from our marketing email
list at any time by clicking on the unsubscribe link in the emails that we send or by
contacting us using the details provided below. You will then be removed from the
marketing email list — however, we may still communicate with you, for example
to send you service-related emails that are necessary for the administration and
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use of your account, to respond to service requests, or for other non-marketing
purposes. To otherwise opt-out, you may:
Access your account settings and update your preferences.
Contact us using the contact information provided.
10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications
include a Do-Not-Track ("DNT") feature or setting you can activate to signal your
privacy preference not to have data about your online browsing activities
monitored and collected. At this stage no uniform technology standard for
recognizing and implementing DNT signals has been finalized. As such, we do not
currently respond to DNT browser signals or any other mechanism that
automatically communicates your choice not to be tracked online. If a standard for
online tracking is adopted that we must follow in the future, we will inform you
about that practice in a revised version of this privacy notice.
11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC
PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you are granted specific rights
regarding access to your personal information.
California Civil Code Section 1798.83, also known as the "Shine The Light" law,
permits our users who are California residents to request and obtain from us, once
a year and free of charge, information about categories of personal information (if
any) we disclosed to third parties for direct marketing purposes and the names
and addresses of all third parties with which we shared personal information in the
immediately preceding calendar year. If you are a California resident and would
like to make such a request, please submit your request in writing to us using the
contact information provided below.
If you are under 18 years of age, reside in California, and have a registered
account with the Website, you have the right to request removal of unwanted data
that you publicly post on the Website. To request removal of such data, please
contact us using the contact information provided below, and include the email
address associated with your account and a statement that you reside in
California. We will make sure the data is not publicly displayed on the Website, but
please be aware that the data may not be completely or comprehensively
removed from all our systems (e.g. backups, etc.).
CCPA Privacy Notice
The California Code of Regulations defines a "resident" as:
(1) every individual who is in the State of California for other than a temporary
or transitory purpose and
(2) every individual who is domiciled in the State of California who is outside
the State of California for a temporary or transitory purpose
All other individuals are defined as "non-residents."
If this definition of "resident" applies to you, we must adhere to certain rights and
obligations regarding your personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the past
twelve (12) months:
Category Examples Collected
A. Identifiers Contact details, such as real name, alias,
postal address, telephone or mobile NO
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contact number, unique personal
identifier, online identifier, Internet
Protocol address, email address and
account name
B. Personal information
categories listed in the
California Customer
Records statute
Name, contact information, education,
employment, employment history and
financial information
YES
C. Protected classification
characteristics under
California or federal law
Gender and date of birth NO
D. Commercial information
Transaction information, purchase
history, financial details and payment
information
NO
E. Biometric information Fingerprints and voiceprints NO
F. Internet or other similar
network activity
Browsing history, search history, online
behavior, interest data, and interactions
with our and other websites,
applications, systems and
advertisements
YES
G. Geolocation data Device location YES
H. Audio, electronic,
visual, thermal, olfactory,
or similar information
Images and audio, video or call
recordings created in connection with our
business activities
YES
I. Professional or
employment-related
information
Business contact details in order to
provide you our services at a business
level, job title as well as work history and
professional qualifications if you apply for
a job with us
YES
J. Education Information
Student records and directory
information
YES
K. Inferences drawn from
other personal information
Inferences drawn from any of the
collected personal information listed
above to create a profile or summary
about, for example, an individual’s
preferences and characteristics
NO
We may also collect other personal information outside of these categories
instances where you interact with us in-person, online, or by phone or mail in the
context of:
Receiving help through our customer support channels;
Participation in customer surveys or contests; and
Facilitation in the delivery of our Services and to respond to your inquiries.
How do we use and share your personal information?
More information about our data collection and sharing practices can be found in
this privacy notice.
You may contact us by email at nathan@loangraphs.com, or by referring to the
contact details at the bottom of this document.
If you are using an authorized agent to exercise your right to opt-out we may deny
a request if the authorized agent does not submit proof that they have been validly
authorized to act on your behalf.
Will your information be shared with anyone else?
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We may disclose your personal information with our service providers pursuant to
a written contract between us and each service provider. Each service provider is
a for-profit entity that processes the information on our behalf.
We may use your personal information for our own business purposes, such as for
undertaking internal research for technological development and demonstration.
This is not considered to be "selling" of your personal data.
Next Loan Technologies, LLC has not disclosed or sold any personal information
to third parties for a business or commercial purpose in the preceding 12 months.
Next Loan Technologies, LLC will not sell personal information in the future
belonging to website visitors, users and other consumers.
Your rights with respect to your personal data
Right to request deletion of the data - Request to delete
You can ask for the deletion of your personal information. If you ask us to delete
your personal information, we will respect your request and delete your personal
information, subject to certain exceptions provided by law, such as (but not limited
to) the exercise by another consumer of his or her right to free speech, our
compliance requirements resulting from a legal obligation or any processing that
may be required to protect against illegal activities.
Right to be informed - Request to know
Depending on the circumstances, you have a right to know:
whether we collect and use your personal information;
the categories of personal information that we collect;
the purposes for which the collected personal information is used;
whether we sell your personal information to third parties;
the categories of personal information that we sold or disclosed for a
business purpose;
the categories of third parties to whom the personal information was sold or
disclosed for a business purpose; and
the business or commercial purpose for collecting or selling personal
information.
In accordance with applicable law, we are not obligated to provide or delete
consumer information that is de-identified in response to a consumer request or to
re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Verification process
Upon receiving your request, we will need to verify your identity to determine you
are the same person about whom we have the information in our system. These
verification efforts require us to ask you to provide information so that we can
match it with information you have previously provided us. For instance,
depending on the type of request you submit, we may ask you to provide certain
information so that we can match the information you provide with the information
we already have on file, or we may contact you through a communication method
(e.g. phone or email) that you have previously provided to us. We may also use
other verification methods as the circumstances dictate.
We will only use personal information provided in your request to verify your
identity or authority to make the request. To the extent possible, we will avoid
requesting additional information from you for the purposes of verification. If,
however, we cannot verify your identity from the information already maintained by
us, we may request that you provide additional information for the purposes of
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verifying your identity, and for security or fraud-prevention purposes. We will delete
such additionally provided information as soon as we finish verifying you.
Other privacy rights
you may object to the processing of your personal data
you may request correction of your personal data if it is incorrect or no
longer relevant, or ask to restrict the processing of the data
you can designate an authorized agent to make a request under the CCPA
on your behalf. We may deny a request from an authorized agent that does
not submit proof that they have been validly authorized to act on your behalf
in accordance with the CCPA.
you may request to opt-out from future selling of your personal information
to third parties. Upon receiving a request to opt-out, we will act upon the
request as soon as feasibly possible, but no later than 15 days from the
date of the request submission.
To exercise these rights, you can contact us by email at nathan@loangraphs.com,
or by referring to the contact details at the bottom of this document. If you have a
complaint about how we handle your data, we would like to hear from you.
12. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with
relevant laws.
We may update this privacy notice from time to time. The updated version will be
indicated by an updated "Revised" date and the updated version will be effective
as soon as it is accessible. If we make material changes to this privacy notice, we
may notify you either by prominently posting a notice of such changes or by
directly sending you a notification. We encourage you to review this privacy notice
frequently to be informed of how we are protecting your information.
13. HOW CAN YOU CONTACT US ABOUT THIS
NOTICE?
If you have questions or comments about this notice, you may email us at
nathan@loangraphs.com or by post to:
Next Loan Technologies, LLC
6735 Salt Cedar Way, BLD 1 STE 395
Frisco, TX 75034
United States
14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE
DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request
access to the personal information we collect from you, change that information, or
delete it in some circumstances. To request to review, update, or delete your
personal information, please visit: nathan@loangraphs.com.
