What information we collect and how we collect it.
We collect the following categories of NPPI: (i) information you provide such as your contact information;
(ii) information about your transactions with us or our affiliates;
(iii) information about your transactions with non-affiliated third-parties to whom your information is disclosed by us to fulfill a transaction you request, such as obtaining a personal loan or credit card; and (iv) information obtained from any consumer reporting agency, such as your credit history.
No NPPI information that identifies a customer or former customer is revealed in the collection and use of traffic data. Consequently, we do not adjust or alter our websites automatic tracking and data collection in response to a Do Not Track signal or request. We believe we can offer customers a more personalized experience when visiting our website when we are able to retrieve data from a customers previous activity on our website. We do share anonymous traffic and transactional information with our affiliates and service providers on an aggregate basis for marketing, accounting and site-optimization purposes.
Non-public personal information NPPI includes:
(i) any information you provide to obtain a financial product or service; (ii) about you resulting from any transaction involving a financial product or service; or (iii) that we otherwise obtain about you in connection with providing a financial product or service that you request. This type of information does not include information that is collected anonymously or for the purpose of tracking movement on our website. In order for you to access many of the products and services offered through this site, you will be required to provide us with NPPI such as:
Street or postal address;
Your place of employment, employer, length of time you worked there;
Number of years you lived in your home or other information about your home;
Information about your credit history with the appropriate consent;
Loan purpose and loan amount;
Social security number;
Drivers license number;
Bank account or routing number;
Date of Birth;
Debit or credit card number, expiration date and security code.
This information is used to identify you, complete your requests for financial products or services, facilitate requests for other products or services, and for customer service fulfillment.
Why we need your e-mail address
We use your e-mail address to: Confirm your identity; Send you information on the status of your transaction; Contact you if we need your assistance to complete the transaction; Send you newsletters, and other customer related material as permitted by law. Bartering Help has a zero tolerance policy for e-mail abuse. If you receive unsolicited e-mails from Bartering Help please report it to us at email@example.com. We are not responsible for communications you may receive from non-affiliated third-parties. We will never ask you to provide NPPI in an e-mail. DO NOT RESPOND to an e-mail that appears to be from us requesting NPPI. Contact us immediately at firstname.lastname@example.org. We do not store e-mail addresses from correspondence sent to us. If you contact us by e-mail we will respond by email. Bartering Help will not use or store your email address in our database from such correspondence.
What choices you have regarding the use of your information E-mail correspondence.
You may opt-out of e-mails in one of two ways: You may uncheck the box next to the offer on the on-line form you complete; or Click on the unsubscribe hyperlink in the e-mail you receive. When you unsubscribe, you will receive an e-mail confirming your decision to opt-out. Confirmations. You may not opt-out of these e-mail messages. They are designed to confirm your identity and your decision to enter into a transaction. Confirmation emails often contain important instructions about your transaction. If you do not wish to receive this confirmation e-mail do not sign up for services or products on this website. Your access to identifying non-public personal information If you want to change or delete your identifying NPPI, including your e-mail address, or if you no longer are interested in a service found on this website, you may correct, update, delete or deactivate your identifying NPPI by contacting the non-affiliated third party that processed your request. Information entered on the Bartering Help website will be automatically updated each time you apply for a new or different service. Bartering Help reserves the right to disclose your NPPI, including your e-mail address without your consent: To comply with Federal, State, or local laws, rules and other applicable legal requirements; or To comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, or local authorities; or To respond to judicial process or government regulatory authorities having jurisdiction for examination, compliance, other purposes as authorized by law; or To our service providers to verify the integrity of the information collected; or To our affiliated business partners for accounting purposes. Important note regarding non-U.S. users and U.S. law The laws and regulations of different countries and states impose different (and even conflicting) requirements on data protections and the use of the Internet. Bartering Help is located in California, in the United States of America, as are the servers that make this web site available worldwide. The laws of the State of California and, the United States of America, govern all matters relating to this web site. If you provide information while using this site, you will be deemed to have authorized the transfer of your information to our servers in California.
Your use of this web site
Terms Used in This Statement
A web beacons is a tracking marker that is placed within a web page or in an e-mail message. Web beacons are invisible to your eye, and are used to monitor a computer which is accessing a particular web page or e-mail message and transfer the data to a server. Bartering Help uses web beacons to: Count website visits to specific areas at the Bartering Help website; Track and account for transactional information on the websites of non-affiliated third-parties or service providers; Collect aggregate transactional data for accounting purposes; Track statistics about: The IP address of the computer that fetched the web beacon The URL of the page that the web Beacon is located on The URL of the web beacon The time the web beacon was viewed The type of browser that fetched the web beacon image A previously set cookie value