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Online
Privacy Notice Revised:
October 1, 2021 This Online Privacy
Notice (the "online notice") applies to W6LS, Inc.'s websites and
mobile applications (each a "Site" or collectively "Sites")
and explains how we may collect, use, share and protect information from
visitors and users ("you", "your") of our Sites. Please read this online
notice carefully. This online notice may change from time to time (see Changes
to our online notice). Information We Collect Definition Of Personal
Information "Personal
Information" is information that, either alone or in combination with
other information, can be used to identify you. Examples of Personal
Information include, among others, name, email address, phone number, and
mailing address. Personal Information includes certain information we collect
when you apply for, or obtain, a financial product or service from us, which
can include your Social Security number, account number, income, account
balances, payment history, credit history, and credit scores. When we combine
Personal Information with other information, we treat the combined information
as Personal Information. Information You Provide We collect Personal
Information you provide via forms, surveys, applications or other online fields
including your name, mailing or email addresses, telephone, mobile numbers, or
account numbers. The exact information we need to collect will depend on the
purpose of the form. We will indicate on the form whether a particular field of
information is mandatory or optional. If you choose not to provide certain
information, we may not be able to provide requested services. Information Collected
Automatically From You We use technologies that
automatically collect information (including Personal Information) about you.
For example, we collect the following information: · Cookies And Other
Tracking Technologies. A cookie is a small text file that is stored on a
user's computer for record-keeping purposes. We use cookies on our Sites. We do
not link the information we store in cookies to any personal information you
submit while on our site. We use session ID cookies and persistent cookies. We
use session cookies to make it easier for you to navigate our site. A session
ID cookie expires when you close your browser. A persistent cookie remains on
your hard drive for an extended period of time. You can remove persistent
cookies by following directions provided in your Internet browser's
"help" file. · Log Files. As is true of most web
sites, we gather certain information automatically and store it in log files.
This information may include internet protocol (IP) addresses, browser type,
internet service provider (ISP), referring/exit pages, operating system, date/time
stamp, and/or clickstream data. We do not link this automatically collected
data to other information we collect about you. We do this to improve services
we offer you. · Analytics. We use Google Analytics,
a web analytics service provided by Google, Inc. ("Google") to
collect certain information relating to your use of our website. Google
Analytics uses "cookies" to help analyze how users use the site. You
can find out more about how Google uses data when you visit our sites by
visiting "How Google uses data when you use our partners' sites or
apps" at www.google.com/policies/privacy/partners/. · Web Server Logs. Web server logs are
activity records created by the device that delivers the web pages you request
to your internet browser. For example, a web server log may record the search
term you entered or the link you clicked on to bring you to the web page. The
web server log also may record information about your device, such as your IP
address, operating system, and internet browser. · Relationship-Based
Advertising. We may use information about your relationship with us
(such as your borrowing history) to help determine which advertisements or
offers to present to you. · Geolocation / IP
Address. We capture your IP address when you use our Sites, such as
when you submit an application and electronically sign a loan agreement. How We Use Personal
Information Our primary purpose in
collecting your Personal Information is to provide you with the products,
services, and information that you request. We may use your Personal
information to maintain, support, and answer any customer service-related
questions. We may also aggregate your information with the information other
users provide for business purposes such as to analyze data, conduct research,
identify usage trends, develop and improve products or services, and enhance
our Sites. We also may use this data for audit, loss prevention, and anti-fraud
purposes and to comply with laws and regulations. We may use information for
other purposes not listed here with your consent. Security The security of your
personal information is important to us. We have implemented administrative,
physical, and technical safeguards to reduce the risk of accidental loss or
unauthorized access, use, alteration, and disclosure of Personal Information in
our possession or under our control. We take reasonable security measures to
ensure sensitive data entered on the Sites is encrypted and transmitted in a
secure way. While we use encryption
to protect Personal Information transmitted online, we also protect your
information offline. Our employees are periodically trained on the importance
of information security and privacy issues to ensure compliance with all applicable
laws and regulations. The servers on which we store Personal Information are
kept in a safe and secure environment. Notwithstanding these
safeguards to store information in a secure environment that is not publicly
available, we cannot guarantee the safety and integrity of your Personal
Information during transmission and after we receive it. No method of
transmission over the Internet, or method of electronic storage, is 100% secure
from third parties such as hackers from illegally obtaining access to Personal
Information. Therefore, we do not represent or warrant that your Personal
Information will be protected against loss, misuse or alteration by third
parties. Retention Of Personal
Information We will retain your
personal information for as long as necessary to fulfill the purposes for which
your Personal Information has been collected as outlined in this online notice
or our Privacy Notice. We may also retain Personal Information to the extent
required by law. Links To Other Sites Our Sites may contain
links to other third party sites or integrate with third-party services and
technologies (e.g. identity verification or account verification technologies)
not covered by this online notice. Please be aware that we are not responsible
for the privacy practices or the content of these third-party sites. If you
submit Personal Information to any of those sites, your information is governed
by their privacy policies. We encourage you to be aware when you leave our site
and to read the privacy policies of each and every site that collects Personal
Information. Changes To Your
Information If your Personal
Information changes, you may update your information within the My Account
section of our site at https://myaccount.withuloans.com/. You also may email a
request to us at customercare@withuloans.com. We will process such
requests in accordance with applicable law. Protecting Children's
Privacy Online The Children's Online
Privacy Protection Act ("COPPA") protects children under the age 13
from the online collection of personal information. Our Sites are directed to a
general audience and may be assessed by the public. Our Sites are not directed
to individuals under the age of thirteen (13). We do not knowingly collect,
use, or disclose personal information from or to children under the age of
thirteen (13) and we request that these individuals do not provide Personal
Information through our Sites. For more information about COPPA, visit the
Federal Trade Commission website: http://www.ftc.gov. Changes To Our Online
Notice We may update this
online notice to reflect changes to our information practices. When we do, we
will revise the updated date at the top of this notice. If we make any material
changes to this online notice then we will notify you here, by email using the
e-mail address specified in your account or by means of a notice on other Sites
prior to the change becoming effective. We encourage you to periodically review
this page for the latest information on our privacy practices. To learn about the types
of personal information we collect and share depending on the product or
service you have with us, please click: https://www.withuloans.com/privacy-policy Contact Us If you have any
questions or suggestions regarding our online notice, please contact us: W6LS, Inc. dba WithU
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