Effective: February 26, 2018
This Privacy Policy (the “Policy”) applies to the bat.loans website (the “Website”). It tells users (“you”) of the Website and the services it provides about the information collected by the Website and how the Website uses and shares this information.
The Information bat.loans Information We Collect
bat.loans collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its websites.
Personally Identifiable Information
bat.loans collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration (a “Registration”) requesting a loan offer from a lender participating in bat.loans’s lender network (a “Lender Partner”) or by sending questions to bat.loans via the Website. The types of Personally Identifiable Information bat.loans collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
The types of non-Personally Identifiable Information that bat.loans collects (either directly, through the use of “cookies” or through the use of a third party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the site visited by users of the site; information about the links that users may select to visit on the site. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.
bat.loans may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.
Information Collected by Third Parties
bat.loans may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. bat.loans does not provide Personally Identifiable Information to these third parties.
How We Use Personally Identifiable Information
bat.loans uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from bat.loans, Lender Partners, other third party lenders, bat.loans’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce bat.loans’s terms and conditions, and perform any other functions otherwise described to you at the time bat.loans collects the information.
bat.loans may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom bat.loans has a business relationship. bat.loans may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.
Sharing Your Personally Identifiable Information
bat.loans may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom bat.loans has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, bat.loans may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom bat.loans has a business relationship.
Any third parties with whom bat.loans shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once bat.loans has transferred or shared it with those third parties as described in this Policy or the bat.loans Terms and Conditions.
bat.loans will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. bat.loans will disclose your Personally Identifiable Information when bat.loans believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of bat.loans’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.
In addition, bat.loans may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.
Links to Third Party Websites
bat.loans may provide links or automatically redirect you to third party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a website that bat.loans does not operate or control. You should review the privacy statements and terms of use of all third party websites you access. These third party websites may independently solicit and collect information from you. On occasion, those third party websites may provide bat.loans with information about your use of those sites.
Changes
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at bat.loans’s sole and absolute discretion. Changes to this Policy will be posted on the Website and bat.loans will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If bat.loans makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, bat.loans will notify you by prominently posting notice of the changes on this website.
Children’s Privacy
The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. bat.loans does not knowingly collect Personally Identifiable Information from children under the age of 18.
Security
bat.loans has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information bat.loans collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although bat.loans takes steps to secure your information, bat.loans does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to the Personally Identifiable Information that bat.loans has collected about you through your use of the Website, please contact bat.loans by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. bat.loans has elected the second option, and you may opt out by completing one or more forms on our Opt Out page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].
Contact
If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.
bat.loans
1125 E. Broadway #545,
Glendale, California 91205
Phone: 1-888-845-2550
Adress: 1455 Frazee Rd, San Diego, CA
Material disclosure
CONSUMER NOTICE
Loans from third-party lenders are meant to provide temporary help for financial needs and are not meant as long-term financial solutions. Consumers who have credit issues or who are in debt should look for professional debt and credit counseling.
Consumers are asked to learn of the risks associated with taking out short-term loans alternatives that could be more suitable for your financial needs and situation, and any local and state laws applicable to short term loans in your state. We firmly encourage you to completely read and look at any and all loan agreements as you are entirely responsible for abiding by the terms and conditions of your loan agreement.
This site is protected b the Google Privacy Policy and Terms of Service apply.
By accepting the terms and conditions of any loan offer, you agree to repay the loan principal and finance charges according to the payment schedule detailed in the documents provided to you by your lender. If you miss a payment or make a late payment, extra fees or charges may be added. Bat.loans does not control the sum of these fees or charges you may be faced with for nonpayment, late payment, or partial payment.
AVAILABILITY
Bat.Loans service is not available in all states. Residents of certain states, including, but not limited to Arkansas, New York, Vermont, West Virginia, Washington, and Pennsylvania, are not eligible to utilize this website or its service. We reserve the right to change the availability of our service at any time without notice. If you request a loan in a state where such loans or loan products are prohibited, or where bat.loans does not have an available lender or lending partner, you will not be connected to a lender or lending partner. We encourage you study and comply with your state’s regulations pertaining to shorter-duration loans. In using our services, it’s possible that you may be connected with a tribal lender. Please be aware tribal lenders are subject to tribal law and particular federal laws, but are exempt from abiding by state law. Tribal lenders may also require that any disputes be resolved in a tribal jurisdiction. Please fully read and understand the terms of any loan offered by any lender and do not agree to a shorter-duration loan offer that includes terms that are not agreeable to you, or that you are unable to repay.
LEGAL DISCLAIMER
This website does not make loan offers. This website connects users with lenders. The operator of this website is not a lender, does not make credit decisions or broker loans. The operator of this website does not charge you fees for its service and does not represent or endorse any participating shorter-duration loan lender. Submitting a loan request allows us to connect you to third-party lenders and does not guarantee an offer for a loan This website does not guarantee the approval for a shorter-duration loan Credit checks may be performed by lenders from credit bureaus or other providers of credit information. Consumer reports or credit checks may be made by the lender through Equifax, Experian, TransUnion, or alternative providers. You are not obligated to use this site and are not obligated to contract with any third-party lender or service provider. These disclosures are for informational purposes only and should not be considered legal advice. NOT A LENDER NOTICE The operator of this website is NOT a lender, does not make offers for loans, and does not broker online loans to lenders. This website is not a representative or agent of any lender and does not make credit decisions. Submission of a loan request to this website does not guarantee an offer or an approval for a loan Some lenders may require faxing of information. In some instances you may have to visit a physical store/branch location to complete your loan request process. Please contact your lender directly with questions or issues regarding your loan.
CREDIT IMPLICATIONS
Some third-party lenders in our lender network may conduct credit checks with credit reporting bureaus or obtain consumer reports through alternative providers to determine your eligibility for a loan By submitting your information through this website, you are agreeing to allow the third-party lenders in our lender network to verify your information and check your credit. Any corrections in this policy should be sent to [email protected]
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