finanvas.com collects information through the Site from our prospective and existing customers at several different points on our Site. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you through our newsletter. Users may opt-out of receiving future mailings (see the Opt-Out/Opt-In section of this Privacy Policy.) The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

A. PERSONALLY IDENTIFIABLE INFORMATION

We collect and combine personally identifiable information (PII) and non-personally identifiable information (Non-PII) through various sources, including those discussed below. For your reference, PII is data collected with an intention to specifically identify, contact or locate a person, including but not limited to Social Security number, first name, last name, address, zip code, city, state, length of stay at address, whether you rent or own, your email address, driver’s license or state ID number, telephone number, work telephone number, time at which you may be contacted, birth date, birth year, whether you are related to someone in the armed forces, whether you make income from job or from benefits, your employer name, duration of employment, employer’s phone number, job title, frequency of compensation, your pay dates, your IP address and computer specifications, your ABA/routing number, your bank account number, nature of bank account, name of bank, bank phone number, duration with bank, whether you get paid by direct deposit, monthly net income, and loan amount desired. Conversely, Non-PII is data that is not used to specifically identify, contact or locate an individual, including but not limited to zip code, gender, age, or IP address.

B. THIRD PARTIES

We may obtain information about you from third parties, including credit reports, information about your home, and demographic information. We do not pull a credit bureau report on customers without their permission.

C. HARDWARE AND SOFTWARE INFORMATION

Information about your computer hardware and software is automatically collected by finanvas.com and may be shared in aggregate with third parties whose services are used for traffic-analysis purposes. This information includes: your IP address, browser type, domain names, access times and referring website addresses. This information is used by finanvas.com to maintain and improve the quality of the service and to generate statistics regarding use of the finanvas.com site. finanvas.com does not use third party databases to correct or update the information you submit to us for any reason.

D. COOKIES

A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site; however, without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. All cookies served on the domain, both session and persistent, are tied to the Personally Identifiable Information you provide. Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies once set on our site.

E. REQUIRED INFORMATION

We use contact information to send information about our company and to service existing accounts. Contact and financial information that is collected is used for verifying your name, address and other information. Not all information asked for on our site is required when you fill out our forms. However, the following data is required to use our Site: Social Security number; first name; last name; address; zip code; city; state; length of stay at address; whether you rent or own; your email address; driver’s license or state ID number; telephone number; work telephone number; time at which you may be contacted; birth date; birth year; IP address or computer hardware specifications; whether you are related to someone in the armed forces; whether you make income from job or from benefits; your employer name; duration of employment; employer’s phone number; job title; frequency of compensation; your pay dates; your bank account number; nature of bank account; name of bank; bank phone number; duration with bank; whether you get paid by direct deposit; monthly net income; and loan amount desired.

F. BEHAVIORAL MARKETING

We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.