Privacy Policy

We are committed to protecting your privacy and securing your information. Please take a moment to review the terms of our Privacy Policy. The Privacy Policy applies to upfinances.com (hereinafter referred to as "Company", "upfinances.com", "we," "us," or "our"). If there are conflicts between this Privacy Policy and any other policy delivered to you by upfinances.com, the terms of this Privacy Policy shall prevail until revised. This Privacy Policy is effective as of 15th November 2015. This Privacy Policy replaces any privacy policy previously delivered to you or appearing on our website, any transaction agreement, or any other document previously delivered to you.

The Privacy Policy describes how we collect and use the personal information you provide on our website, and it also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

upfinances.com is not intended for use by individuals under the age of 18 or those who are not legal residents of the United States. By using the website and participating in any of our services, you agree to accept the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, or if you are not 18 years of age or older and a valid resident of the United States please do not use the website or participate in our Services.

upfinances.com is an online directory and resource for loans and finance. We are not a bank, broker or lender. We offer tips for consumers, and we are not responsible for any actions or decisions made by any Loan Provider, Lenders, and/or Banks. Furthermore, because of constantly changing financial markets along with steadily changing lender rules and guidelines, the information about lenders and loan processes may not always be updated timely on our site. Actual lenders will be able to give you complete and accurate information regarding their services and terms once you get to their respective websites. We are not responsible for lending decisions. We are simply an informational resource and are not involved in the lending process.

Personal Information

This notice applies to all information collected or submitted on the upfinances.com website. We may collect all the information you provide, whether through our website(s) or other channels which may include without limitation: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers and the best time to call you; (e) date of birth; (f) your Social Security Number; (g) whether or not you are a US citizen; (h) whether or not you are over eighteen (18) years old; (i) whether or not you or a spouse are a regular or reserve member of the military; (j) your time at your current residence; (k) whether or not you rent or own your home; (l) your occupation, employer name and time spent at your current job; (m) the loan amount requested; (n) your annual, pre-tax income; (o) how you are paid; (p) how frequently you are paid; (q) the anticipated dates of your next two (2) paychecks; (r) the names, telephone numbers and source of relationship of two (2) personal references; and all other information requested on the applicable registration form. For purposes of this Privacy Policy, items (k) through (r) in the preceding sentence shall be considered Sensitive Information.

By submitting your personal information, you understand and agree such personal information (including the Sensitive Information) may be shared with third-parties, including without limitation, Loan Providers in order to complete your request for Loan Products and/or other marketing purposes. We reserve the right to share, rent, sell or otherwise disclose your information with/to third parties in accordance with applicable laws and as described herein. These third party businesses may include, but are not limited to: consumer reporting agencies, consumer credit bureaus, financial service providers, Loan Providers, providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression, and validation; email marketers; wireless services providers and telemarketers. Furthermore, you authorize us to use any information collected from you to obtain other information about you from third-parties, such as your social security number, where such information was incompletely or improperly filled out on our registration form. Third–parties may also use your personal information for any lawful purposes, subject to any restrictions contained herein. Any information that you supply to any third-party or Loan Provider shall be governed by the applicable third party’s or Loan Providers’ Privacy Policies. Any and all information that we collect from you and from any third-party may be used to determine your eligibility for any product, service or offer.

Please be advised that upfinances.com does not itself provide Loan Products, Services, Brokering or Customer Service related to any request submitted by you, or any other related products and/or services. The ultimate terms and conditions of any Loan Products and Information provided by any Loan Providers will be determined by those Loan Providers.

Please note: by submitting your personal information, your information is being provided by you freely. You further agree to receive marketing offers from us or third-party marketers, that we or they may believe may be of interest to you, and you expressly consent and agree to be contacted through but not limited to the following methods: (a) direct mail marketing; (b) email marketing; (c) telemarketing calls (where permitted by applicable law); (d) SMS text-based messages (where permitted by applicable law); and (e) any other manner contemplated herein. By using this Website, you agree that you may be contacted by any means mentioned in this section, even if your number is found on a do-not-call registry or similar registry.

We may also use personal information for website administrative customer service, to provide our visitors with information which may be requested to customize visitor experiences on the Site, and for internal business purposes, such as analyzing and managing our business. Third parties may be used to assist in the operation of this Site or to administer activities on our behalf. These companies are authorized to use your personal information only as necessary to provide these services to us.

We specifically reserve the right to release current or past user information, as it is made available to us from third-parties, in the event the user is using or has used, our products, services and/or Site: (i) in violation of the Site’s Terms and Conditions, this Privacy Policy or any of our operating rules, policies, and/or other supplemental terms and conditions or documents that may be published from time to time; (ii) to commit unlawful acts; (iii) if such information is subpoenaed or requested pursuant to a judicial or regulatory proceeding or inquiry or similar legal process; when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request (iv) if this Site is sold or acquired, you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information; and/or (v) when deemed necessary or appropriate including, without limitation to, sharing your email address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission implementing regulations.

By registering, you agree that such an act constitutes an inquiry and/or request for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the “Rule”) and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable federal or state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

In addition, by submitting your personal information, you agree to receive mobile marketing including but not limited to text-message based marketing, from us and our third party advertisers and marketers (where and to the extent that such marketing is permitted by applicable law). You further agree that based on your individual carrier and plan, you may incur charges associated with such SMS Messages and that you agree to be solely responsible for such charges. You represent that you are at least 18 years of age and the owner or authorized user of the wireless device, on which messages will be received, and that you are authorized to approve the applicable charges. Should you hereafter choose to opt-out of receiving SMS Messages from the individual sender, you may opt-out by texting “STOP” or “OPT-OUT” as specifically set forth in the communication. Notwithstanding that your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right to contact you via SMS Messages. In addition, by registering and/or using the Website, you agree that such an act constitutes an inquiry and/or request for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time. As such, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law. Further, you agree that we reserve the right to share, sell, rent, lease and/or otherwise distribute your mobile telephone and other mobile data with/to any third-party for any and all non-marketing uses permitted by this Privacy Policy and applicable law.

Without limiting the generality of the foregoing, we reserve the right to share, sell, rent, lease and/or otherwise distribute any and all personal information (other than the Sensitive Information) with/to any third party for any and all uses permitted by this Privacy Policy and applicable law.

If you have questions or concerns regarding this statement, you should first contact us at contact@upfinances.com. Our service is committed to protecting your privacy when you visit our website. You can access upfinances.com and browse our site without disclosing any of your personal information.

If your personal information changes, or if you no longer desire our service, you may correct, update, delete your information by emailing our Customer Support at contact@upfinances.com.

Non-Personal Information

We may also use your IP addresses to compile and provide aggregate statistics about our visitors, traffic patterns to administer and improve the site. This statistical information may also be related to third parties, track user’s movement, and gather demographic and profile information for aggregate use. We may also use third-party analytics services to record information, including without limitation, mouse clicks, mouse movements, and scrolling activity as well as text you type in the Website, which may be used by us or third-parties to understand how users interact with the site.

Cookies

Technologies such as cookies, beacons, tags, web browser Local Storage and scripts are used by upfinances.com and our partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We use cookies for authentication and security purposes. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited. As it is true for most websites, we gather certain information automatically and store it in log files. This information includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to ensure that the services we offer to you function properly and to ensure the best possible user experience.

Data Protection

The security of your personal information is important to us. No sensitive information (such as credit card number and/or social security number) is ever collected on our site. upfinances.com has obtained SSL certification for your protection. Site owners and visitors are protected from spoofed (copied) sites that can harm the rightful owner.

The security of your personal information is important to us. When you enter your name and email address in our newsletter subscription and contact us forms order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://www.webopedia.com/TERM/S/SSL.html

We follow generally accepted industry standards to protect personal information submitted to us, both during transmission and once we receive it. However, no method of transmission over the Internet, or method of electronic storage, is absolutely secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our Website, you can email us at contact@upfinances.com. We will retain your information for as long as your account is active or as needed to provide you services. Please contact us if you wish to cancel your account or request that we no longer use your information to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Email Campaigns/Opt-Out

We use your email address to send you newsletters, and other customer-related material. We have a zero-tolerance policy for email abuse. If you receive unsolicited emails from upfinances.com, please report it to us at contact@upfinances.com. We will never ask you to provide non-public or sensitive information in an email. Do not respond to an email that appears to be from us requesting non-public or sensitive information the e-mail. Contact us immediately by email at contact@upfinances.com. We do not store email addresses from correspondence sent to us. If you contact us by email we will respond by email. We will not use or store your email address in our database from such correspondence.

You may opt-out of receiving communications from us and/or our third-party associates by not submitting your information. When you enter your personal information on the Website, you have opted-in to request that we share your personal information with third parties to receive marketing communications. When contacted by any of these third-party marketers, you should notify them directly of your choices regarding their use and sharing of your information and may opt-out of receiving additional offers from them or any third-parties with whom they have shared your information. If you no longer wish to receive our newsletter and/or promotional communications from us, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at contact@upfinances.com.

Changes to the Privacy Policy

We reserve the right, at our sole discretion, to change, modify, add and/or remove portions of this Privacy Policy at any time. Please check the Site periodically for any changes. Your continued use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes.

If we decide to change our Privacy Policy, we will post changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it and under what circumstances, if any. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email or by means of a notice on our homepage prior to the change becoming effective.

Copyright

All materials contained in this website are protected by federal copyright laws, and may not be reproduced, republished, distributed, displayed, or otherwise exploited in any manner without prior written permission of our service.

We routinely check for copyright violations and content duplication. Federal legal action will be taken against anyone found using upfinances.com articles and/or content without the expressed written permission and/or consent from our owner.

Contact

If you have questions or comments, email us at contact@upfinances.com, or mail us via postal mail at 210 Broadway, #201, Cambridge, MA 02139.

We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.