This Privacy Statement outlines the way Waterfront Marketing Services, LTD D/B/A BaySideLoans.com (hereinafter referred to as we, us, our, or Enterprise) collects, uses and shares information about you as a user of the www.BaySideLoans.com website ("our site") or any other component of our system (collectively, the "BaySideLoans Program"). The term "You" or "Your" means you as a participant in or as a user of the BaySideLoans program.
BaySideLoans.com
Bayside Loans, ("we," "our," or "us") is serious about
protecting your online privacy. This Privacy Statement outlines
the way we collect, use and share information about you as a
user of the www.BaySideLoans.com website ("our site") or any
other component of our system (collectively, the "Bayside Loans
Program"). The term "You" or "Your" means you as a participant
in or as a user of the Bayside Loans program.
This policy replaces any privacy policy previously delivered
to you or appearing on our website, any transaction agreement,
application, loan document or any other document previously
delivered to you. If there are conflicts between this Policy and
any other policy we have delivered to you, the terms of this
Policy shall control until revised.
All information transmitted, printed or otherwise submitted to
us shall be deemed to be our property and we shall be free to
use such information for any lawful purpose described herein,
and for other purposes as required or permitted by law.
Please read this notice carefully. This notice provides
important information about the way we collect, share, and
protect your information. This privacy policy applies to anyone
who applies for or uses our products or services, or visits our
websites, including, but not limited to, current and former
customers. We must notify you about our sharing practices when
you establish a customer relationship and each year while you
are a customer. A customer relationship begins when you obtain a
financial product or service from us. A customer relationship
terminates when you pay off a transaction in full.
This Website contains links to other sites and we are not
responsible for the privacy practices or the content of such
sites.
Section 1
Collected Information
We collect personally identifiable information, including, but
not limited to, non-public personal information, as well as
other types of personally identifiable information from you and
from other sources as described herein (collectively, "Your
Information"). We collect and/or track the following types of
information (how perfect must this list be, we don’t do most of
it?):
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Information we receive from you on applications
or other forms, such as transaction documents,
sales documents, online forms, e-mails,
registration forms, surveys, or other documents
or submissions, including your name, address,
telephone number (home, work and mobile), date
of birth, social security number, driver’s
license number, email address, employment
information, demographic information, bank
account information, and information about your
assets, debts and income and other personal,
financial or demographic information;
-
Information about your transactions with us, our
affiliates, or others, such as your account
history, transaction balances, payment history,
overdraft history, parties to transactions, the
e-mail addresses of visitors that communicate
with Bayside Loans via e-mail, and your reasons
for doing business with us;
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Information we receive from third parties, such
as consumer reporting agencies and other
lenders, regarding your credit worthiness and
credit history, and to verify your identity;
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Information we obtain to verify representations
made by you, such as your employment history,
bank information or income;
-
Information obtained from specialized marketing
information firms, such as household
demographics;
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Information obtained from Web page http headers
(home server domain names, IP address, type of
client computer, and type of Web browser and
operating system);
-
Information, user specific or aggregate, we
receive from our web pages recording visitor’s
access and referring URLs;
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Information you provide when you contact our
customer service department; and
-
Information you provide to us when you
communicate with us via email.
Please understand that the information that you submit to us at
the Website is voluntary, but required if you request
information on a loan at our Website, whether or not you
actually enter into a formal application with any loan service
provider. We may also collect your personally identifiable
information when you otherwise agree to the terms of this
Privacy Policy at the Website, but do not complete the full
registration process.
Section 2
Gramm-Leach-Bliley Act, California Financial Privacy Act and
Vermont Consumer Protection Act Notice
For purposes of compliance with the Gramm-Leach-Bliley Financial
Modernization Act of 1999, 15 U.S.C. 6802 (the "GLB Act"), this
Privacy Policy shall serve as both your initial customer
relationship and annual "Privacy Notice" as defined under the
GLB Act.
Section 3
Use of Data Collected
We use your personal, demographic and profile data to enhance
your experience at our Website and to enable us to present
content that we think you might be interested in. We use your
contact information to send you information about our company
and promotional material from our partners. We may also use your
personal, demographic and profile data to improve our Website,
for statistical analysis including payment histories and
preferences, for marketing and promotional purposes, and for
editorial or feedback purposes. Information collected by us may
be added to our databases and used for future e-mails or postal
mailings regarding site updates, new products and services,
upcoming events, to process payments and update account records,
and/or status of orders placed online. Notwithstanding the
foregoing, we will not use your loan-specific financial
information such as Social Security Number-related information,
employment information and/or bank account information
("Sensitive Information") for any marketing purposes, or
transfer same to any third party, other than to third party
lenders and sellers where necessary to effectuate the
application or purchase of products and/or services that you
applied for from such third party lenders or sellers at the
Website.
Section 4
Disclosure of Data to Third Parties
If you choose to provide personal information, it will be used
for the following purposes: considering you for a Bayside Loans
account, sharing of your information with trusted third parties
such as credit bureaus, loan service providers and/or other
financial services providers in accordance with the terms of the
GLB Act, and as required by law; and for marketing products and
services that we determine you might find of interest. We
reserve the right to share, rent, sell or otherwise disclose
your information, other than your Sensitive Information, with/to
third parties in accordance with the terms of applicable law
including, but not limited to, the GLB Act. These third party
businesses may include, but are not limited to: providers of
direct marketing services and applications, including lookup and
reference, data enhancement, suppression and validation; e-mail
marketers; and telemarketers. Information collected by us may be
added to our databases and used for future telemarketing, SMS
text-messaging, e-mails or postal mailings regarding site
updates, new products and services, upcoming events, and/or
status of orders and/or loans placed online. By using this
Website, you agree that you may be contacted in any manner
contemplated in this section even if your number is found on a
do-not-call registry or similar registry. We may also employ
other companies and individuals to perform certain functions on
our behalf. Examples include sending direct and electronic mail,
removing duplicate information from customer lists, analyzing
data, and providing marketing analysis. These agents have access
to our users' personal information as needed to perform their
functions for Bayside Loans, but we do not permit them to use
our users' personal information for other purposes.
Notwithstanding the foregoing, we will not share your Sensitive
Information other than with third party lenders and sellers
where necessary to effectuate the application or purchase of
products and/or services that you applied for from such third
party lenders or sellers at the Website. By agreeing to this
Privacy Policy, you authorize us to use your information 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.
Such third-parties include, but are not limited to, consumer
reporting agencies, consumer credit bureaus and other outside
parties as permitted or required by applicable laws. Any and all
Sensitive Information that we collect from you as part of your
loan application, and from such third-parties, will be used to
determine your eligibility for a loan and will not be shared
with third-parties other than independent loan service providers
for purposes of evaluating your qualifications for a loan and
provision of such a loan, should you qualify. If you choose to
provide information, such as your Social Security Number, we may
use that information to determine your financial status. If you
do not provide such information, we may also use other
information that you provided for the purpose of verifying your
eligibility for a loan or for any other programs, offer or
services. Upon qualification, your ultimate loan-specific
financial information will be stored and utilized by your
applicable lender pursuant to the terms of that lender's Privacy
Policy. Notwithstanding the foregoing, for purposes of
compliance with the GLB Act, We will not share "nonpublic
personal information" with our affiliates or non-affiliates
without providing customers with an annual "Privacy Notice"
explaining that We will be sharing this nonpublic personal
information with our affiliates or non-affiliates and, for
purposes of the GLB Act, providing customers with the
opportunity to opt-out from such disclosures. For purposes of
compliance with the GLB Act, this Privacy Policy shall serve as
the annual "Privacy Notice" as defined under the GLB Act.
Bayside Loans reserves the right to release current or past user
information in the event Bayside Loans believes that the service
and/or Website is being or has been used in violation of the
Website's Terms and Conditions, or to commit unlawful acts, if
the information is subpoenaed, if Bayside Loans is sold or
acquired, or when Bayside Loans deems it necessary or
appropriate. By agreeing to these conditions, you hereby consent
to disclosure of any record or communication to any third party,
when Bayside Loans, in its sole discretion, determines the
disclosure to be appropriate including, without limitation,
sharing your e-mail 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.
You agree that by submitting your information at the Website,
you agree to receive mobile marketing including, but not limited
to, text-message based marketing, from us and our third party
advertisers and marketers. 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. In addition, by registering and/or using the
Website, you agree that such 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
"Rule"). Notwithstanding that your telephone number may be
listed at the Federal Trade Commission's Do-Not-Call List, we
retain the right to contact you via telemarketing in accordance
with the Rule.
Section 5
Notice of Furnishing Negative Information
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT
BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON
YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
Section 6
Automatic Information Collection Processes
Bayside Loans may employ "cookies" to help customize your access
to the Website. A cookie is a piece of data stored on your hard
drive containing information about you. Cookies have many
benefits to enhance your experience at our Website. For
instance, by setting a cookie on our Website, a user would not
have to log in a password more than once, thereby saving time
while on our Website. Even in the case where a user rejects a
cookie, they may still use our Website. The only drawback to
this is that the user will be limited in what he/she can access
in some areas on our Website, much like visitor-level access.
We occasionally use cookies to anonymously track and target the
interests of our users to further enhance the experience on our
Website or for advertising tracking purposes. A web browser can
be changed to decline cookies. The Help section of the toolbar
on most web browsers will tell you how to prevent your browser
from accepting new cookies, how to have the web browser notify
you when you receive a new cookie or how to disable cookies
altogether. To find out more about cookies, please visit
www.cookiecentral.com.
In addition to cookies, our Website pages and/or e-mails may
contain electronic images known as "pixel tags" (also known as
clear gifs) to track the pages that visitors and/or users visit
at the Website for purposes of formatting future campaigns and
upgrading visitor information used in reporting statistics. Our
Website may also contain pixel tags placed there by third
parties to help determine the effectiveness of a joint
promotional or advertising campaign.
Section 7
Your Opt-Out Rights
You may opt-out of receiving communications from us and or our
third-party partners by not submitting your information. During
registration and/or when you submit personally identifiable
information to us at the Website, you have opted-in to request
that we share your personal information (other than your
Sensitive Information) with third parties to receive marketing
communications. When contacted by any of these companies or
third parties, you should notify them directly of your choices
regarding their use and sharing of your information. As noted,
we use personal information to provide promotional offers by
e-mail to our Website users. We may maintain separate e-mail
lists for different purposes. If e-mail recipients wish to end
their e-mail subscription from a particular list, they need to
follow the instructions at the end of each e-mail message to
unsubscribe from the particular list. To opt-out from receiving
any additional email communications regarding the Website,
please send your request in writing via email to
optout@BaySideLoans.com.
In addition, please note that if you subsequently sign up at one
of our other websites for other product or service offerings,
you will need to again address any information sharing
preferences that you had previously established through this
Website.
Section 8
Your Right to Limit the Sharing of Your Information
In some circumstances, you have the right to direct us to not
share Your Information with any other Bayside Loans Related
Company (collectively, its "Affiliated Companies") and with
other companies with whom any Bayside Loans Related Company does
business ("Non-Affiliated Third Parties") (i.e. "Opt-Out").
Please note that even if you Opt-Out, Bayside Loans may still
share Your Information with its Affiliated Companies and
Non-Affiliated Third Parties as permitted or required by law.
Also, Bayside Loans may share information it collects regarding
its transactions and experiences with you with its Affiliated
Companies. Bayside Loans may also share all information it
collects about you with Affiliated Companies and Non-Affiliated
Third Parties: to facilitate providing our services to you, to
administer our business, in order to receive services from those
companies, as permitted under joint marketing agreements, and as
otherwise permitted or required by law.
Bayside Loans is delivering this notice to you on behalf of
itself and all other Related Companies. You may limit how the
Affiliated Companies use Your Information Bayside Loans shares
with them. Federal law gives you the right to limit some but not
all marketing from the Bayside Loans’ Affiliated Companies. You
may limit Bayside Loans’ Affiliated Companies from marketing
their products or services to you based on Your Information that
they receive from the Bayside Loans. This information includes
your income, your account and payment history, and your credit
history, report or score.
Section 9
Opt-Out Information and Notice
To limit Bayside Loans’ sharing of Your Information with
Affiliated Companies and Non- Affiliated Third Parties, as
described above, contact us:
Unless we hear from you, we can begin sharing Your Information
thirty (30) days from the date we first deliver this Notice to
you. However, you may Opt-Out at any time by contacting us. Once
we receive your Opt-Out request, we will stop sharing this
information as soon as reasonably practicable. Your Opt- Out
request will remain in effect until you notify us otherwise in
writing.
Section 10
Third Party Sites
Please be advised that in certain circumstances, we act as a
limited agent for the actual third party lender or seller of the
products and/or services available at or through the Website. In
these circumstances: (a) you will be redirected to the
applicable third party lender's or seller's website after you
have completed the application page; (b) we will collect and
send your personal information to the respective third party
lender or seller in connection with completing your application
or purchase from the third party lenders or seller, as
applicable; and (c) your application or purchase will subject
you to the third party lender's or seller's privacy policy, as
applicable.
We do not endorse, nor are we responsible for the accuracy of,
the privacy policies and/or terms and conditions of each of the
third party lenders or sellers that may advertise at the
Website. The entities that advertise and/or place banner ads at
the Website including, but not limited to, these third party
lenders and sellers, are independent third parties and are not
affiliated with us.
Section 11
Your Rights to Your Personal Data
Upon request via postal mail or e-mail, we will provide you a
summary of personal information retained by us. We will only
send your personal records to your e-mail address or postal
address that we have on file for you. To modify, correct,
change, update or remove your personal record from our database,
send your request via email to:
privacy@BaySideLoans.com.
Section 12
We Do Not Intend to Collect Data from Children
The information and services provided by us or by our
affiliates, sponsors, and advertisers, are not intended to be
viewed by children (under 18 years old). No information
collected from children is knowingly collected or used for any
purpose whatsoever, including marketing and promotional
purposes, either inside or outside Bayside Loans or any Related
Companies.
Section 13
Our Right to Contact You
We reserve the right to contact you regarding your account
status and changes to subscriber agreements, Privacy Policy, or
any other policies or agreements relevant to you. By visiting
our websites, you understand and agree that we may contact you
at the phone numbers or email addresses you provide to us
through our websites or on your transaction agreements,
applications, loan documents or any other document to assist you
with your product or to discuss other products and services that
Bayside Loans may provide for you.
Section 14
Security
All information collected is stored in a technically and
physically secure environment. When our registration/application
process asks users to enter Sensitive Information, and when we
store and transmit such Sensitive information, that information
is encrypted and is protected with SSL encryption software.
While we use SSL encryption to protect sensitive information
online, we also make reasonable efforts to protect user
information off-line. 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, not just the sensitive information mentioned above,
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 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.
Section 15
Our Right to Change
We reserve the right to change this policy at any time by
notifying you of the existence and location of the new or
revised privacy policy or by posting the changes online at our
Website. All changes will take effect immediately upon their
posting on our Website. Please check this page periodically for
changes. Your continued use of the Bayside Loans service,
Website or acceptance of our e-mails following the posting of
changes to this Policy will mean that you accept any and all
such changes and that you agree to continue receiving marketing
from us and other third party companies.
Section 16
Our Contact Information
If you have any questions about this Privacy Policy, the
practices of this Website, or your dealings with this Website,
you can contact us via email sent to:
privacy@BaySideLoans.com
Section 17
Collection and Use of Bank Account Information for Purposes
of Collecting Loan Payments
If we extend credit to you, we will consider the bank account
information provided by you as eligible for us to process
payments against. In addition, as part of our information
collection process, we may detect additional bank accounts under
your ownership. You agree that we will consider these additional
accounts to be part of the application process and eligible for
payment retrieval.