GoodCheddar.com is a lender connection service, and as such your application can be submitted to as many lenders and other connecting services as necessary to attempt to achieve the highest likelihood of approval. GoodCheddar.com recommends and also encourages that you to always opt out of agreeing to share you nonpublic, or private information with non-affiliated third parties. Where available, you are able to do this through the opt-out check box on the application itself.
By filling out an online application and providing any details or information to GoodCheddar.com, you would be agreeing to be contacted by any partners, lenders, or affiliates of GoodCheddar.com.
Although we do everything possible we are able to do to protect your personal information and data, you agree that we are not responsible for any marketing communications you receive from any third party lenders, loan connecting services, and non-affiliated third parties as a result of your using of our loan connecting service. Once we submit your application to third party affiliates, loan providers, and connecting services, we have no control over how they use that information and data.
It is advised by GoodCheddar.com that anyone should put their home phone, cell phone, or any other personal telephone, on the national ‘Do Not Call’ list and to use a designated email for receiving business communications and solicitations from online sources. However, you consent to being contacted by us, and third party affiliates, by providing your information to GoodCheddar.com, regardless of you status on the Do-Not-Call Registry. It is recommended to avoid the use of your personal email that is used for family, friends, and day-to-day communications with online services. Be prompt in reporting any party that might be abusing your data.
WHAT INFORMATION WE COLLECT:
We collect all the information you provide to us while on our Website. This includes your name, date of birth, telephone number(s), home address, email address, Social Security number, employment information, income information, bank account information, personal references and any other information that you provide to us. We also collect IP addresses, type of Web browser and operating system, type of computer used and Web page http headers and all other information relating to the pages our visitors access.
This site is intended for you to submit an application in order to receive an immediate loan decision and also to obtain information on loan related products. You must submit the required information to be considered by one of the third party loan providers. Even if you do not complete the full registration process, any personally identifiable information submitted may also be collected for our use.
HOW WE USE COLLECTED INFORMATION:
The information we collect is used to help us determine which loan product may be of interest to you. Your personal, demographic and profile information may be used to help improve our Website, for marketing, editorial, promotional, statistical analysis and feedback purposes. Any information collected may be added to our databases for the purposes of sending upcoming postal mailings, emails, SMS text-messaging, telemarketing new product information, new service information, site updates and other related purposes.
Through your use and submission of information on our Website, you agree that even if your number is found on a do-not-call registry, or similar registry, you may be contacted in any manner listed in this section. We reserve the right to share, sell or otherwise disclose your information to third parties. If you utilize our opt-out procedures we pass that information on to all third party loan providers that receive your application data for loan eligibility determination.
By providing your personal information, you agree that it may be used for the following purposes: to obtain other information about you from third parties when the information was improperly or incompletely filled out on our registration form; sharing of your information with trusted third parties such as credit bureaus, affiliated loan providers and/or other financial services providers in accordance with applicable law; considering you for a website account; and for other marketing products and services that we determine you might find of interest.
We may employ other companies and individuals to perform certain functions on our behalf. These companies and individuals have access to our users’ personal information in order to perform their functions for GoodCheddar.com, but they are not permitted to use our users’ personal information for other purposes. Examples of when other companies or individuals may use our users’ personal information may include sending direct mail and email, SMS text-messaging, telemarketing, analyzing data, removing duplicate information from customer lists and providing marketing analysis.
If we believe that GoodCheddar.com’s service and/or website is being or has been used in violation of the Website Terms and Conditions or to commit unlawful acts, we reserve the right to release current or past user information under the following circumstances: if the information is subpoenaed; if we are sold or acquired; or when we consider it necessary or appropriate. Furthermore, by agreeing to these conditions, you hereby consent to disclosure of any record or communication to any third party when we, in our sole discretion, determine the disclosure to be appropriate. This includes, without limitation, 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 enabling regulations.
Submission of information through your use of our website means you agree to receive mobile marketing, including but not limited to text-message based marketing, from us and from our third-party advertisers and marketers. Although we do not utilize this currently, we retain the right to do so in the future. Even though your mobile telephone number may be listed on state and/or federal do-not-call registries, we retain the right, and you agree that we may contact you via text-message-based marketing and in accordance with applicable state and federal law. Additionally, your registration and/or use of our website, amounts to your acknowledgment that such an act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the “TSR”). If your telephone number is listed at the Federal Trade Commissions Do-Not-Call List, we retain the right and you consent to allow us to contact you via telemarketing, in accordance with the TSR.
HOW WE SAFEGUARD YOUR INFORMATION:
Although no data transmission over the Internet can be guaranteed to be 100 percent secure, we network all information collected in a technically and physically secure environment. While we strive to protect your personal information, you transmit any information at your own risk. We cannot warrant or ensure the security of any information that you transmit. Upon receipt of your transmission, we make reasonable efforts to ensure its security on our systems. We strictly limit access to this information only to employees who need the personal information to perform a specific job. Your information is not accessible to the public. In the event that we learn of an information security breach with respect to your personal information and in compliance with applicable state and federal laws, we will notify you via email along with any applicable regulatory agencies. However, 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.
YOUR OPT-OUT RIGHTS:
If you want to opt-out from receiving communications from us and/or our third-party partners, please do not submit any of your information to us. When you submit personally identifiable information while visiting our website, you have automatically opted in, meaning you are requesting that we share your personal information with third parties. However, when you receive marketing communications or are otherwise contacted by these third parties, you should directly notify them of how you would like you information used and shared by them.
OUR PROTECTION OF THE PRIVACY OF MINORS:
We do not permit individuals under 18 years of age to obtain our products and/or services. If you are under 18 years of age, do not submit your information as it will be removed immediately.
OUR RIGHT TO CHANGE OUR POLICY WITHOUT PRIOR NOTIFICATION:
By registering for Company’s services, you understand that you are requesting a referral for a loan from the independent, participating lenders with whom we may share your information. While our site does not sell your information to vendors not related to your specific application, you are giving your express consent to receive promotional materials from participating lenders. They may also provide information to you about additional services and products. You further understand that all communications, whether to assist you in obtaining the loan requested or for promotional purposes, may be via direct mail, email (at the email address provided by You) and/or telephone/mobile device (at the number(s) provided by you) notwithstanding that your email address and/or numbers may be listed on a corporate, state, or federal Do-Not-Contact registry, suppression list, or the like.
If you do not wish to receive such marketing materials and/or communications, you may request to be removed by using the relevant opt-out mechanism in such communications from third parties. Requests to unsubscribe from receipt of communications from third parties must be communicated directly to such third parties. Company is not responsible for stopping all unwanted communications from sources beyond Company’s control.
When you visit GoodCheddar.com, we may place a cookie, a small piece of information, on your computer through your internet browser. This allows our website to communicate with your computer for the purposes of identification, improving user experience, authentication, remembering login information, maintaining security, and saving your personalized preferences. You are able to reject cookies through your website browser settings at any time, however some features may not be available without certain cookie options enabled. Some cookies may track your personal information as well.