Privacy Policy

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ADVANTAGE LENDING CORP. ("ALC" or "We") put together this Privacy Policy to describe Our collection, use and disclosure of information from users of Our website(s) and any other services We offer (collectively the "Services"). When using any of Our Services, You consent to the collection, disclosure and other uses of Your information described below. We're constantly improving things at ALC, and Our Privacy Policy may be updated from time to time. We will not make important changes to the Privacy Policy without providing advance notice of those changes through Our Services


The provisions relating to the collection, use and disclosure of information from users of the Service in this Privacy Policy must be read and understood in conjunction with, or become an integral part of, the ALC User’s Agreement ("User’s Agreement") signed together with the creation of a ALC account (“Account”) . Unless specifically defined in this Privacy Policy, terms not defined in this Privacy Policy will refer to the terms set out in the Terms of Use Agreement.


Information We Collect

  • Registration Information. If you sign up for an Account, We ask You to provide Us with personal information, such as Your name, email, phone number and at later stage username, and password. We may also ask You to personalize Your user experience with other information such as Your location and Your individual preferences. This information collectively is referred to as "Registration Information."

  • User IDs and Device IDs. When You install the Application, We create a unique identification number associated with that installation of the software ("User ID").

  • Usage Information. We also collect information about how You use Our Services, including how You view and interact with content, the parts of Our Services that You use, information You search for, content that You view, and actions You take.

  • LogData. When You use Our Services, We automatically record information about Your use ("Log Data"). This Log Data may include information such as Your computer's or mobile device's Internet Protocol ("IP") address, browser type, the webpage You were visiting before you came to Our Site, pages of Our Site that You visit, access times and dates and other statistics.

  • Information Regarding Your Social Networking Services ("SNSs"). As an ALC user, You can interact with and use SNSs, such as LinkedIn, Facebook and Twitter. To do so, You must provide ALC with Your Account credentials (typically username and password) for an SNS. ALC will retain those credentials, keep them private and use them to enable Your access to the SNS. When You choose to access an SNS via the Services, ALC may collect from the SNS Your address, gender, user ID, list of friends and any information you've chosen to make public through the SNS. For example, via the You can access and log in to Your LinkedIn account by entering Your LinkedIn account credentials. We encourage You to read the privacy policies and other statements of the SNSs You use. You can disable the connection between Your Application and an SNS you've chosen to access at any time via the relevant SNS.

  • Information Regarding Your Google Account (“Google”). As a ALC user, You may connect one or more of Google services such as Gmail, Google+ etc. When You connect Your Google account, ALC may collect information such as account name, account age, Your age, location, gender, volume and velocity of emails, and emails from any suspicious senders, in order to verify Your identity and determine Your credit score. If You need to opt out at any time from providing ALC access to this data, You may do so in Your Google account settings.

  • Surveys and Promotions. From time to time, We may provide You the opportunity to participate in surveys, contests or sweepstakes via Our Services. If You participate, We may request certain additional information from you.

    • How We Use the Information We Collect

    • We use information We collect, including Your Registration Information, User ID and Device ID, information from Your use of Our Services and SNSs and information from surveys and promotions to provide and improve Our Services, develop new offerings and enhance and personalize Your experience on ALC, including the content and advertising that You see.

    • We may use Your Registration Information to send You (including but not limited to email and/or Short Message Service (SMS) to your telephone number): (i) important messages regarding the Services, (ii) as well as marketing materials and non-marketing in connection with the Service or a particular product that We think may be of interest to you. Hereby, You give your consent to receive messages and marketing or non-marketing materials that we send either by email, SMS or other means of communication as contained in the Registration Information. If You decide at any time that You no longer wish to receive marketing communications from Us, please follow the unsubscribe instructions provided in those communications, or You can contact Us by [email protected].

    Disclosure of the Information We Collect

    • Information You Share. ALC usage is designed for a private purpose, none of what You disclose is made available to others.

    • With Your Consent. We may disclose any information We collect with third parties when We receive Your consent to do so.

    • Non-Private or Non-Personal Information. We may disclose aggregated and non-personally identifiable information that We collect. Any such disclosure will not include non-public, personal information regarding individual users.

    • Services Providers. We employ third parties to assist Usin providing and improving the Services (e.g., without limitation, maintenance, database management and Web analytics companies). If these third parties receive non-public, personal information about you, they will be obligated not to disclose or use it for any purpose other than to perform tasks on Our behalf.

    • Compliance with Laws and Law Enforcement. ALC cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about You to government or law enforcement officials or private parties as We, in Our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect the property and rights of ALC or a third party, to protect the safety of the public or any person or to prevent or restrict what We consider to be, or to pose a risk of being, illegal, unethical or legally actionable activity.

    • Business Transfers. ALC may sell, transfer or otherwise share some or all of its assets, including the information identified in this Privacy Policy, in connection with a merger, acquisition, reorganization or sale of assets or in the event of bankruptcy.

    Invite a Friend

    Through Our Services You can email a friend and invite him or her to avail of Our services. If You use this aspect of Our Services We will ask You for Your friend's name, email address and/or SNS username (collectively "Friend Information"). We will automatically send Your friend a one-time email. ALC stores Friend Information for the purpose of sending such emails and improving the Services. Friends may contact Us at [email protected]  to request that We remove this information from Our database.


    Cookies & Other Technologies

    Our services may use "cookies" to collect information. A cookie is a small data file that We transfer to Your computer's hard disk for record-keeping purposes. We may use "persistent cookies" to save Your username and login password for future logins to the Services. We also may use "session ID cookies" to enable certain features of the Services or to better understand how You interact with the Services. You can instruct Your Web browser to stop accepting cookies or to prompt You before accepting certain or all cookies. If You do not accept cookies, however, You may not be able to use all aspects of the Services. Cookies placed on Your device or computer by ALC or any third party site or service that You may access through the Services may remain stored on Your device or computer until You remove them.


    In addition, We work with third-party companies, that use cookies and other tracking technologies to collect non-identifying information about Your activities on Our Site and Services in order to help Us better understand the use and operation of Our Services. These third parties may collect and analyze information about Your online activities over time and across different websites when You use Our Services. We do not exercise control over these third party websites or services. We encourage You to read the privacy policies or statements of the other websites and services You use. By accepting this ALC Privacy Policy, and by using the ALC Services, You are consenting to permit the use of cookies by both ALC and the third-party companies that ALC works with. Some browsers incorporate a "Do Not Track" (DNT) feature that, when activated, signals to websites that You do not want to be tracked. Because there is not yet an accepted standard for how to respond to browser DNT signals, We do not currently respond to them.


    Changing or Deleting Your Account

    You may email Us at [email protected]  with a request that We delete Your ALC Account. Accounts are terminated promptly and, absent extenuating circumstances, We will honor Your request and delete Your Account information in no more than 30 days. We may retain an archived copy of Your records as required by law or as necessary for the protection of the rights of ALC or its users. For instructions on changing any of Your privacy preferences, accessing Your information, updating Your information or for any privacy or data-protection-related questions, please write to [email protected].


    Children and Minor's Information

    We do not provide any services to anyone under the age of 18. If a parent or guardian becomes aware that his or her child has provided Us with any personally identifiable information without their consent, he or she should contact Us at [email protected]. If We become aware that anyone under the age of 18 has provided Us with any personally identifiable information, We will delete such information and the account.


    Information Security

    ALC employs reasonable physical, technological and administrative security measures to protect the information it collects. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while We use commercially acceptable means to protect the information We collect, We cannot guarantee its absolute security. If ALC learns of a security breach that results in the unauthorized disclosure of Your Registration Information, We may attempt to notify You electronically through the Services so that You can take appropriate protective steps. ALC may also send an e-mail to You at the e-mail address You have provided to Us for a notification pursuant to this paragraph.


    Phishing

    Identity theft and the practice currently known as "phishing" are of great concern to ALC. Safeguarding information to help protect You from identity theft is a top priority. We do not and will not, at any time, request Your credit card information, login password or national identification numbers in a non-secure or unsolicited e-mail or telephone communication.


    Links to Other Sites

    Our Services contains links to other websites and online services. If You choose to visit a third party service or an advertiser by "clicking on" a third party link, You will be directed to that third party's website or online service. The fact that We link to a website, content or present a banner ad or other type of advertisement is not an endorsement, authorization or representation of Our affiliation with that third party, nor is it an endorsement of their privacy or information security policies or practices. Other websites and services follow different rules regarding the use or disclosure of the personal information You submit to them. We encourage You to read the privacy policies or statements of the other websites and services You use. We do not exercise control over third party websites or services.