Last Updated: July 2021
Personal Information Collection and Use
We collect your personally identifiable information when you sign up at the Blue Ribbon Loans™ Site (the "Newsletter"). The types of personally identifiable information that we collect when you sign-up for the Newsletter may include some or all of the following: (a) your email address (b) and/or any other information requested on the applicable registration form.
The personal information that you submit to Blue Ribbon Loans™ remains your property, but by submitting that personal information to Blue Ribbon Loans™ you grant Blue Ribbon Loans™ the right, subject to applicable state and federal law, to send you the Newsletter and other e-mail marketing communications. Your contact information may also be used to reach you, when necessary, regarding issues concerning your use of the Site and the Newsletter. If you wish to stop receiving future communications from us please see the Opt-Out/Unsubscribe section below.
Blue Ribbon Loans™ will not, as a general rule, and other than in connection with the limited exceptions set forth below, sell, share or rent your personal information to or with others under any circumstances and for any purpose. Notwithstanding the foregoing, Blue Ribbon Loans™ may, from time to time, provide such information on a limited basis to certain third-party administrative service providers in connection with: (a) fulfilling your request for the Newsletter; (b) contacting you regarding issues concerning your use of the Site and the Newsletter; and/or (c) Blue Ribbon Loans’s™ efforts to market certain offers to you. Any third-party so used has agreed to protect the confidentiality of information provided by Blue Ribbon Loans™.
Non-Personally Identifiable Information Collection and Use
We may collect certain non-personally identifiable information about you when you visit many of the pages of the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Netscape, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or Mac OS) and the domain name of your Internet service provider (e.g., America Online, Earthlink).
We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage, as well as to offer you products and services. We also reserve the right to use aggregate or group data about our visitors for any and all lawful purposes. Aggregate or group data is data that describes the demographics, usage and/or characteristics of our visitors as a group. By visiting and/or supplying your personal information at the Site, you agree to allow us to provide such aggregate data to third parties.
Third Party Links
The Site may contain links to other third-party owned and/or operated websites. Blue Ribbon Loans™ is not responsible for the privacy practices or the content of such websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number or banking information, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and Blue Ribbon Loans™ has no responsibility or liability relating to them.
Deleting and Updating Your Information
If you would like to inquire as to the personal information that we have stored in our databases, and/or delete or update that personal information, please unsubscribe. We will process your request, where possible, within a reasonable period of time after receipt. To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.
We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
All collected information is stored in a technically and physically secure environment. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all Blue Ribbon Loans™ user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Filing a Complaint with the Federal Trade Commission
To file a complaint regarding our privacy practices, please click here.