PRIVACY POLICY

Financial Approval Network, and each of its related web sites (“Financial Approval Network”) Privacy Policy

Within the Privacy Policy, the operator of this Web site will be referred to as "Company", "we", ”Financial Approval Network”, or "us”. This Privacy Policy outlines important information regarding the use and disclosure of information collected via this Website. Financial Approval Network provides this Privacy Policy to help users make an informed decision as to whether to use or continue using the Website.

PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. FINANCIAL APPROVAL NETWORK DOES NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY PLEASE DO NOT PROVIDE ANY INFORMATION TO Financial Approval Network OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEB SITES REFERRED IN THIS PRIVACY POLICY.

This Privacy Policy applies to Financial Approval Network’s collection, use, storage and disclosure of information by Financial Approval Network on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the “Website”), (b) on various third party websites, and (c) to Financial Approval Network’s other information collection, including the purchase of customer lists from third parties. Financial Approval Network is not responsible for the information collection or privacy practices of third web sites or applications. By reference, this Privacy Policy is incorporated into and is subject to the Website Terms of Use. Your use of the Website and any personal information you provide via the Website or through other official Financial Approval Network contact remains subject to this Privacy Policy, as well as the Terms of Use and/or other stated policies.

1. Collection of Information.
1.1 Survey Information. Financial Approval Network collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes an Financial Approval Network survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by third parties (collectively, a “Survey”). (As used herein, “online” means using the Internet, including the Website, and related technologies, and “offline” means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Financial Approval Network or a third party (a “Third Party”) may ask an individual to provide various information to Financial Approval Network, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, “Survey Information”). Financial Approval Network may also collect information concerning an individual from another source and use that information in combination with information provided from this Web Site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Financial Approval Network or Third Party, but an individual may receive incentives from Financial Approval Network or a Third Party in exchange for providing Survey Information to Financial Approval Network.
1.2 Third Party List Information. Financial Approval Network collects information from individuals when an individual provides information to a Third Party and Financial Approval Network subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the “Seller”). Such purchased information may include, but is not limited to, an individuals name, email address, street address, zip code, telephone numbers, birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, “Third Party List Information”). When acquiring Third Party List Information, Financial Approval Network seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Financial Approval Network and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller's list.
1.3 Other Information. Other occasions when Financial Approval Network obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Financial Approval Network or by a Third Party, (2) when an individual requests assistance through Financial Approval Network’s customer service department, and (3) when an individual voluntarily subscribes to a Financial Approval Network service or newsletter (together, “Other Information”).
1.4 Cookies, Web Beacons, and Other Info Collected Using Technology. Financial Approval Network currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Financial Approval Network may use other new and evolving sources of information in the future (together, “Technology Information”). (a) Cookies. A cookie is a small amount of data stored on the hard drive of the individuals computer that allows Financial Approval Network to identify the individual with his or her corresponding data that resides in Financial Approval Network’s database. Individuals who use the Website need to accept cookies in order to use all of the features and functionality of the Website. (c) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Financial Approval Network’s use of new and evolving technology. As a result, Financial Approval Network strongly encourages individuals to revisit this policy for any updates regarding its use of technology.
1.5 Outside Information. Financial Approval Network may receive information about individuals from Third Parties or from other sources of information outside of Financial Approval Network including information located in public databases (“Outside Information”).
1.6 Individual Information. As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Financial Approval Network gathers or receives about individuals such as usage data, file transfer and viewing data.
1.7 No Information Collected from Children. Financial Approval Network will never knowingly collect any personal information about children under the age of 13. If Financial Approval Network obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because it does not collect such information, Financial Approval Network has no such information to use or to disclose to Third Parties. Financial Approval Network has designed this policy in order to comply with the Children's Online Privacy Protection Act (“COPPA”).
1.8 Credit Card Information. Financial Approval Network may in certain cases collect credit card numbers and related information, such as the expiration date of the card (“Credit Card Information”) when an individual places an order from Financial Approval Network. When the Credit Card Information is submitted to Financial Approval Network, such information is encrypted and is protected with SSL encryption software. Financial Approval Network will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to Third Parties only as necessary to complete the purchase transaction. Log File Data: When users log-in to access their account, our servers will automatically record and archive certain information that web-browsers send whenever visiting a Website. These server logs may include information vital to validating the user’s authorization to access the account. Information, such as a Web request, Internet Protocol (the “IP”) address, browser type, browser language, referring pages, exit pages and visited URLs, platform type, click counts, pages viewed and in what order, time spent, the date and time of the request, and other important data is necessary to validate and authorize a user’s entry and activity on the Website.

2. Use of Individual Information.
2.1 Discretion to Use Information. THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY'S SOLE DISCRETION. The following paragraphs in Section 2 describe how Financial Approval Network currently uses Individual Information, but Financial Approval Network may change or broaden its use at any time. As noted, Financial Approval Network may update this policy from time to time. Financial Approval Network may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, SMS text-messaging, online banner advertising, and package stuffers, among other possible uses. By Participating, You Expressly "Opt In" To Receive Information And Grant Us Permission To Share Your Information. If you do not wish to receive marketing offers and promotions via email, direct mail, SMS text and/or telephone we ask that you carefully consider whether to complete the registration process. If you do receive unwanted SMS marketing text messages, you are instructed to reply to the message with “STOP”, “END”, or “QUIT”. You are responsible for all carrier charges that might be incurred as a result of the text message.
2.2 Email. Financial Approval Network uses Individual Information to provide promotional offers by email to individuals. Financial Approval Network may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Financial Approval Network’s email lists, a person must send an email to support@financialapprovalnetwork.com. 2.2(a) Content of Email Messages. In certain commercial email messages sent by Financial Approval Network, an advertiser's name will appear in the “From:” line but hitting the “Reply” button will cause a reply email to be sent to Financial Approval Network. The “Subject:” line of Financial Approval Network email messages will usually contain a line provided from the advertiser to Financial Approval Network. 2.2(b) Solicited Email. Financial Approval Network only sends email to individuals who have agreed on the Website to receive email from Financial Approval Network or to individuals who have agreed on Third Party websites to receive email from Third Parties such as Financial Approval Network. Financial Approval Network does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Financial Approval Network’s email messages.
2.3 Targeted Advertising. Financial Approval Network uses Individual Information to target advertising to an individual. When an individual is using the Internet, Financial Approval Network uses Technology Information (see also Section 2.5 below) to associate an individual with that person's Individual Information, and Financial Approval Network attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Financial Approval Network may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.
2.4 Use of Technology Information. Financial Approval Network uses Technology Information (1) to match a person's Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person's online browsing habits on the Internet, (3) to determine which areas of Financial Approval Network’s web sites are most frequently visited. This information helps Financial Approval Network to better understand the online habits of individuals so that Financial Approval Network can target advertising and promotions to them.
2.5 Profiles of Individuals. Financial Approval Network uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.
2.6 Storage of Individual Information. Financial Approval Network stores the Individual Information in a database on Financial Approval Network computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Financial Approval Network’s control. Notwithstanding such measures, Financial Approval Network cannot guarantee that its security measures will prevent Financial Approval Network computers from being illegally accessed, and the Individual Information on them stolen or altered. 2.7 Telemarketing. By accepting the terms and conditions of this website, providing your telephone number to participate, you are agreeing to potentially receive telemarketing calls by us or on behalf of our marketing partners or affiliated entities. Notwithstanding that your telephone number may be listed at the Federal Trade Commission Do-Not-Call List, you give us, our partners or affiliated entities the right to contact you via telephone. Our partners or affiliated entities who may be contacting you via telephone currently include Thinking Voice.

3. Dissemination of Individual Information.
3.1 Sale or Transfer to Third Parties. Financial Approval Network MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE IN Financial Approval Network’S SOLE DISCRETION.
3.2 Order Fulfillment. Financial Approval Network will transfer Individual Information to Third Parties when necessary to provide a product or service that a person orders from such Third Party while using Financial Approval Network web sites or when responding to offers provided by Financial Approval Network.
3.3 Legal Process. Financial Approval Network may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.
3.4 Summary Data. Financial Approval Network may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.
3.5 Access. Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting support@financialapprovalnetwork.com. Financial Approval Network may also grant advertising clients and email services providers’ access to an individual's email address to verify the origin of the Individual Information collected.

4. Privacy Practices of Third Parties.
4.1 Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies (together, “Advertisers”) who place advertisements on the Website and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Financial Approval Network does not control Advertisers' use of such technology and Financial Approval Network has no responsibility for the use of such technology to gather information about individuals.
4.2 Links. The Website and email messages sometimes contain hypertext links to the web sites of Third Parties. Financial Approval Network is not responsible for the privacy practices or the content of such other web sites. Linked web sites may contain links to web sites maintained by Third Parties. Such links are provided for your convenience and reference only. Financial Approval Network does not operate or control in any respect any information, software, products or services available on such Third Party web sites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring or Financial Approval Network’s authorization.
4.3 Affiliated Companies. Financial Approval Network may disclose, transfer, and sell Individual Information to entities affiliated with Financial Approval Network in Financial Approval Network’s discretion. Should Financial Approval Network be subject to an acquisition, merger, sale or other change of control or business entity status, Financial Approval Network reserves the right to transfer or assign the Information collected from the Website.

5. Individuals Outside of the United States.
Anyone using the Website outside of the United States acknowledges that personal information will be collected and stored by Financial Approval Network in the United States. By using the Website, you consent to the transfer of information to and/or storage of information outside of your country and in the United States.

6. Unsubscribe Procedures.
6.1 If you wish to discontinue receiving email messages from Financial Approval Network, you have several options:
1.Unsubscribe from one email list. To unsubscribe from a particular list, either (1) send an email to support@financialapprovalnetwork.com or (2) follow the instructions in each promotional email message sent by Financial Approval Network.
2.Unsubscribe from all of Financial Approval Network's email lists.
We reserve the right to add Individual Information to multiple lists maintained by Financial Approval Network. To globally unsubscribe from all of Financial Approval Network’s lists, send an email to support@financialapprovalnetwork.com. For more information about protecting your privacy, you may wish to visit: www.ftc.gov. If you have questions about this policy, please contact us at support@financialapprovalnetwork.com. California User Consumer Rights. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1253 or 800-953-5210; or by email to dca@dca.ca.gov.