Privacy Policy

Personal Loan Source is committed to protecting the individual privacy rights of all of its clients. Personal Loan Source strongly believes that it has a responsibility to protect from disclosure to any unauthorized parties, your nonpublic and personal information. This policy applies to each and every customer. Therefore, Personal Loan Source has adopted and implemented this privacy policy to protect your account and your personal information. As our customer, we collect and receive nonpublic personal information about you. This includes information such as your name, Social Security Number, birth date, employment information, and income.

Information Collection

Personal Loan Source will collect the following kinds of nonpublic personal information about you:

• Information we receive from you on applications or other forms, such as your name, date of birth, contact information, income and obligations;
• Information we receive from you about your transactions with us, our affiliates, or others, such as prior loans, terms, payoffs, and payment history;
• Information we receive from consumer reporting agencies, such as your credit history and credit worthiness; and
• Information we receive as a result of verifying your information with non-affiliated third parties, such as employment history and loan balances.

No Information Sharing Policy

Personal Loan Source does not disclose any nonpublic personal information that we collect about our customers or former customers, as described above, to anyone, except as permitted by law.

USA Patriot Act

In order to assist the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a loan account. What this means to you: When you open a loan account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver's license or other identifying documents. The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. This information in no way will be used in making the credit decision on your completed application.

Security Policy

Securing of a customers' nonpublic personal information is very important to Personal Loan Source. Personal Loan Source employees are required to sign a privacy policy agreement stating that that they are aware of Personal Loan Source' policy regarding the use of and disclosure of customer information. Personal Loan Source has also taken extra steps and put in place several security measures to protect our customers' personal information from loss, misuse, or alteration. When customers send their personal identifying information to Personal Loan Source via the Personal Loan Source website, Personal Loan Source requires that a secure session be established first, using Secure Socket Layer (SSL) technology supporting up to 256-bit encryption to prevent unauthorized persons from viewing any private information being transmitted during your application process. Information transmitted between the Personal Loan Source server and your computer must be sent only while in a secure mode or Personal Loan Source will have no responsibility for any loss or exposure of personally identifying information to unauthorized third parties during a secure SSL session, data passed between the customer's computer and Personal Loan Source computer servers are secured through the use of public key cryptography. The customer's computer exchanges key information with Personal Loan Source servers to create a private conversation that only the customer's computer and Personal Loan Source computer servers may understand. To benefit from SSL protection, customers must use a browser with SSL capabilities. This method of information transfer will apply when the customer is entering in personal information, execution of and submittal of the online promissory note, for validation and verification purposes during your communications through our server and processing systems.

While using the Personal Loan Source website, customers will be notified upon entering and leaving a secured session, unless the setting is turned off on the customers' browser. After leaving a secured session, information transmitted to Personal Loan Source will not be secure. For security purposes, Personal Loan Source uses various software programs to monitor web site traffic and to identify unauthorized attempts to upload or change information or otherwise to cause damage to the Personal Loan Source website. These programs do not collect personally identifying information about customers, but do enable Personal Loan Source to collect information allowing Personal Loan Source to identify website users attempting to tamper with the Personal Loan Source website. Personal Loan Source has policies in place against the misuse, misappropriation, unauthorized access, tampering, damage, destruction, or unlawful utilization of the Personal Loan Source websites and computer systems and will seek the maximum enforcement of state, federal, and international criminal and civil laws against any individual engaging in such activity. Please note that when customers send electronic mail messages (e-mail) to Personal Loan Source, the customers' messages will contain the customers' return e-mail address. Thus, Personal Loan Source may utilize customers' e-mail addresses in order to respond to customer inquiries and the content of customers' e-mail in formulating a response. Personal Loan Source will permanently record and store any substantive e-mail received from its customers. Customer e-mail sent to Personal Loan Source is not necessarily secure against interception. Do not initiate communication with Personal Loan Source by email if your communication will include nonpublic personal information like your Social Security Number, bank account number, or other personally identifying information that you wish to protect. Although Personal Loan Source does its best to protect and secure information submitted to it over the internet, your use of this website is strictly at your own risk. Personal Loan Source makes no representations that it can guarantee the security of any information sent by the users of this website during an unsecured session. Personal Loan Source protects the security of its servers but cannot be responsible for any virus, spy ware, ad ware, malicious codes and /or hacker activity that may result in damage to your computer or theft of your identifying information.

Additional Security Feature of Shared Secrets

Shared secrets are a security method for accessing confidential information. A shared secret is something known only to the user and the holder of the confidential information. Shared secrets usually consist of a user ID and password. These shared secrets allow the user to log into the site of the holder of confidential information such as a Credit Card issuer or financial institution. Shared secrets are necessary for a safe and dependable online authentication procedure. In order to minimize potential compromise of your shared secrets, you should create passwords that are a combination of both letters and numbers.

Personal Loan Source Information Retention Policy

Personal Loan Source will maintain electronic and hardcopy loan application information for funded/closed/withdrawn and declined loans for a period of years in accordance with all mandated federal and State Laws. If you would like to receive copies of any such information, you must notify Personal Loan Source in writing with your request so that the proper authentication and forwarding information can be verified.