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Privacy Policy
Your privacy is safe with us
We address your privacy with care. We understand the importance of personal data safety. To make our privacy protection principles clear, we established this Privacy Policy. We encourage you to read this section before you start using prosolutionpoint.com.
Please note that by using our platform you confirm that you agree with our Privacy Policy.
1. What Kind of Information We Collect
We gather Personally Identifiable Information (PII) and Non-Personally Identifiable Information (Non-PII).
Personally Identifiable Information (PII): Data that allows us to recognize you as an individual, provided when you sign up and submit a request. This includes: full name, date of birth, place of residence, phone/mobile number, driver's license, social security number, employment details, income, banking account, credit history, military status.
Non-Personally Identifiable Information (Non-PII): Anonymous data that doesn't reveal your identity. Includes: IP address, Internet provider, browser, language, browsing session time, clicks, links followed, etc. Collected through cookies, web beacons, and pixel tags.
2. Why We Collect This Information
Collecting personal details is necessary for business management, technical support improvement, and marketing research. We also need your private data to process your application and get you connected with one of our lenders.
3. How We Share Your Personally Identifiable Information
By providing your PII, you allow us to process your application and connect you with a lender. This means we have the right to share this information with a third party because a lender cannot approve your loan without knowing about you.
Note: Lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score.
Other Sharing: We may share some of your data with our affiliates, partners, and other accredited third parties for business management, security, advertising, marketing, consumer research, and support improvement.
Change of Ownership: We reserve the right to share your information with another company that acquires or merges with our business.
Legal Requirement: We may share your PII if required by law and necessary to proceed with a legal process or protect our rights.
4. How We Share Your Non-Personally Identifiable Information
By collecting and sharing Non-PII with third parties, we improve our technical service, analyze customer behavior, and gather web statistics important for managing our business. We may share it with other third parties for these purposes.
5. Links Provided by Third Parties
Links to third parties' websites are provided only as a reference. We do not manage those websites; therefore, we cannot be held accountable for their content, privacy policy, terms, or practices.
6. Marketing Practices
By accessing our website, you acknowledge our marketing practices and consent to receiving advertisements, newsletters, and promotional materials from us. Our third-party partners may also send you marketing messages. We offer you an option to opt-out from receiving marketing messages from us. To opt-out from third parties' messages, you must contact them directly.
7. How We Protect Your Information
We use safeguards and advanced security systems corresponding to US law requirements to protect your PII. Only authorized personnel can access your data for business purposes allowed by current US legislation. Despite our best efforts, we cannot guarantee total safety.
8. Notice for Foreigners and Minors
We render our services exclusively to employed residents of the United States. If you are a foreigner, do not access our website. We serve only people over 18 years old. If you are a minor, do not access our website.
9. Privacy Policy Changes
We reserve the right to revise, modify, and update this Privacy Policy when deemed appropriate without notice. Continued access after changes signifies agreement with the changes.
10. Your Rights Under the CCPA (California Residents)
10.1 General Information
If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA). This section summarizes the categories of information we collect about you, why the information is collected, and who we share your information with.
A. Information Collected and Shared:
Identifiers:
Examples: Name, internet protocol address, email address, or other similar identifiers.
Source: Consumer, third-party data providers, marketing partners, and advertising partners.
Purpose: To provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements.
Shared With: Lenders, non-lenders or intermediary service providers, marketing partners, web analytics providers, service providers, law enforcement, government authorities.
Personal information categories listed in the California Customer Records statute:
Examples: Name, signature, address, telephone number, driver's license or state identification number, employment, social security number, bank account number.
Source: Consumer and third-party data providers.
Purpose: To perform services you requested or to offer products on behalf of our lenders, market to you, analyze your use, conduct research, maintain security, and meet legal compliance.
Shared With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, law enforcement.
Protected classification characteristics under California or federal law:
Examples: Age, military status.
Source: Consumer and third-party data providers.
Purpose: To perform services you requested or to offer products on behalf of our lenders, market to you, analyze your use, conduct research, maintain security.
Shared With: Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers.
10.2 Right to Know and Additional Privacy Rights
You have the right to know (i) the categories of PII we collected in the preceding 12 months; (ii) the sources; (iii) the business purpose for collection/sale; and (iv) the categories of third parties shared with.
You also have the right (i) to request specific information we have; (ii) to request deletion of your information; (iii) to opt-out of having your information sold; and (iv) to non-discrimination for exercising these rights.
Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.
10.3 How to Submit Your Request
You can submit requests for specific information, deletion, or the "Do Not Sell My Personal Information" right by sending an email with the appropriate Subject Line to contact@prosolutionpoint.com or via the request form on the website.
11. California Disclosures
Shine the Light Disclosure: California residents can request information regarding our disclosure of PII to third parties for their direct marketing purposes by contacting us at contact@prosolutionpoint.com.
Do Not Track Disclosures: prosolutionpoint.com does not respond to do-not-track browser settings or signals at this time.
12. How You Can Contact Us
If you would like to discuss anything with us, please send us a message via our contact form or email contact@prosolutionpoint.com.