Privacy Policy

Privacy Policy

Introduction

Welcome to https://impact-of-credit-scores-on-funding.laneexplorer.com (hereafter referred to as “Impact of Credit Scores on Funding,” “we,” or “our”). We are dedicated to maintaining a transparent and secure online environment for our users while respecting their privacy. This Privacy Policy outlines our practices regarding the handling of personal information, in adherence to various international data protection laws, including but not limited to:

  • Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Quebec Law 25 on the protection of personal information in the private sector
  • The General Data Protection Regulation (GDPR) of the European Union (EU)
  • Brazil’s General Data Protection Law (LGPD)
  • California’s Consumer Privacy Act (CCPA/CPRA)
  • Colorado’s Consumer Privacy Act (CPA)
  • Utah’s Consumer Sales Privacy Act (UCPA)
  • Connecticut’s ConnectiCut Data Privacy Act (CTDPA)
  • Virginia’s Consumer Data Protection Act (VCDPA)
  • South Africa’s Protection of Personal Information Act (POPIA)

Scope

This policy is applicable to all aspects of our online presence, including but not limited to:

Please note that this policy does not cover third-party platforms, websites, applications, or services accessed through links on our site. These entities have their own privacy policies, and we encourage you to review them before engaging with such services.

Processing Activities

This Privacy Policy guides how we interact with users when:

  • You register an account and use our applications or services as an authorized user.
  • You visit our website, whether through browsing or interactive sessions.
  • You subscribe to receive communication from us, including newsletters, promotional emails, phone calls, or text messages (SMS).

Personal Data Collection

We collect various categories of personal information to enhance your experience and provide tailored services. These include:

  • Account Information: Details related to your user account, such as username, email address, and password hashes.
  • Payment Information: Cardholder data, including credit card numbers, expiration dates, and security codes, for processing transactions securely.
  • Financial Information: Data about your financial status, credit history, and credit scores, which are essential for funding-related services.
  • Purchase Information: Records of products or services purchased through our platform, including order details and transaction history.
  • Mobile Device Identifiers: Unique device IDs, IP addresses, and mobile network information from your smartphone or tablet for analytics and service delivery.
  • Location Data: Geographic coordinates and location services data to provide location-based services and personalized content.
  • Feedback: Comments, reviews, and ratings you provide to help us improve our products and services.
  • Social Media Information: Details shared when you interact with our accounts on social media platforms, such as Facebook or Twitter.
  • Product Information: Data about the products you view, search for, or purchase, including preferences and customization options.

We acquire this data through direct user input, interactions with our systems, and automated technologies, ensuring compliance with data protection regulations. Additionally, third parties may share personal information with us, but we rely on their privacy policies to govern such sharing.

Cookies

To enhance your browsing experience and gather analytics, we use cookies. Cookies are small text files stored on your device, categorized as:

  • Strictly Necessary: Essential for navigation and functionality, ensuring the secure delivery of services.
  • Preference: Remembering user preferences to provide a personalized experience.
  • Analytics: Tracking website usage and gathering statistical data to improve our platform.

Users can manage their cookie choices through our Cookie Manager, allowing them to control non-essential cookies.

Retention and Deletion

We retain personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law. Once the data is no longer needed, we will securely delete or anonymize it unless subject to a legal obligation to preserve it.

Your Rights

The laws governing data protection vary by jurisdiction, but generally, you have certain rights regarding your personal information, including:

  • Access: The right to request access to the personal data we hold about you.
  • Rectification: The right to rectify inaccurate or incomplete personal data.
  • Erasure (Right to be Forgotten): The right to request the deletion of your personal data under certain circumstances.
  • Restriction: The ability to limit the processing of your personal data in specific situations.
  • Portability: The right to receive a copy of your personal data in a structured, commonly used format and to transfer it to another controller.
  • Objection: The right to object to the processing of your personal data for certain purposes.
  • Non-Discrimination: The right to be free from discrimination when exercising any of your data protection rights.

To exercise these rights or file an appeal/complaint, please contact our Data Protection Officer using the information provided below.

Changes to Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any modifications will be posted on this page with a revised effective date. We encourage users to review this policy periodically to stay informed about their data rights and privacy protections.

Contact Information

For any privacy-related inquiries, unsubscribe requests, or questions regarding your data, please contact us:

  • Via email: [email protected]
  • By mail: Privacy Team, Impact of Credit Scores on Funding, [Address]

We are committed to addressing any concerns or inquiries you may have regarding our privacy practices.