eFinancing-Solutions.com Privacy Promise for Consumers

While your personal information is important for EFS for us to provide you a loan, our most important asset is our customers' trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at eFinancing Solutions.

We collect your personally identifiable information when you sign up to receive products and/or services at the Website. We may also collect your personally identifiable information when you otherwise agree to the terms of this Privacy Policy at this Website, but do not complete the full registration process. The types of personally identifiable information that we collect at this Website, during registration and when you make a request include, without limitation, your name, street address, e-mail address, telephone number and credit card information. In addition, we may request information about your use of, or interest in, the types of products and services offered by the third-party advertisers with whom we have partnered to offer you the products and services available at this Website.

II. USE OF INFORMATION

In general, we will only use the information you provide to us for the purpose for which such information was provided. We may also use this information to deliver to you information about our company and promotional material from some of our partners, trend analysis, pattern detection, and site administration. Your information may also be used to contact you when necessary and may be shared with other companies that may want to contact you with offers consistent with your stated preferences. Users may opt-out of receiving future mailings from Company and other entities by following the instructions set forth in the opt-out section below.

Non-personal demographic and profile data is used to tailor your experience at our site, showing you content we think you might be interested in. This information may also be shared with advertisers on an aggregate non-personal basis.

III. USE OF IP ADDRESSES

We use your IP Address to help diagnose problems with our server, and to administer our Web site.

IV. USE OF COOKIES

When you view our Web site we might store some information on your computer. This information will be in the form of a "cookie" or similar file. Cookies are small pieces of information stored on your hard drive, not on our site. Cookies do not spy on you or otherwise invade your privacy, and they cannot invade your hard drive and steal information. Rather, they help you navigate a Web site as easily as possible. We use cookies to deliver content specific to your interests and to prevent you from reentering all your registration data at each connection.

We use an outside advertisement server company to display ads on our site. These ads may contain cookies. The advertisement server company may collect cookies received with outside banner ads. We do not have access to information that would confirm the use of cookies by the advertisement server company.

V. SECURITY

Our site has industry standard security measures in place to protect the loss, misuse and alteration of the information under our control. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your personal information.

VI. OTHER WEB SITES; LINKS

Our Web site contains links to other Web sites. eFinancing-Solutions.com is not responsible for the privacy practices or the content of such Web sites.

VII. CORRECT; UPDATE

eFinancing-Solutions.com allows its users the option to change or modify information previously provided. This may be done through the following methods:

(1) e-mail the information to update@eFinancing-Solutions.com
(2) visit the Customer Service section of the site and follow the appropriate instructions.

Unfortunately, to the extent that such information is also stored in other databases, we cannot always ensure that such corrections or deletions will reach the other databases. We will use all reasonable efforts to ensure that your information is removed from or corrected in our records.

VIII. CHOICE; OPT OUT

You may opt-out of receiving communications from our partners, and from us, by the following means:

(1) send an e-mail to update@ eFinancing-Solutions.com
(2) visit the Customer Service section of the site and follow the appropriate instructions.

Our Promise to our Customers

We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.

We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Promise will be subject to our normal disciplinary process.

We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, been authorized by the customer, or are required by law.

We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.

We will tell customers in plain language initially, and at least once annually, how they may remove their names from marketing lists. At any time, customers can contact us to remove their names from such lists.

Whenever we hire other organizations to provide support services, we will require them to conform to our policy standards and to allow us to audit them for compliance.

For purposes of credit reporting, verification and risk management, we will exchange information about our customers with reputable reference sources and clearinghouse services.

We will not use or share - internally or externally - personally identifiable medical information for any purpose under the guidelines set by HIPPA.

Online Privacy Notice

In addition to our Privacy Promise set forth above for customers, this Online Privacy Notice explains our policy regarding any personal information you might supply to us when you visit our site. Our goal is to protect the information you provide us via the Internet in the same manner that we protect information that you provide to us over the telephone, through the mail, and at our offices.

You may visit this site and find out about our products and services, or use other value-added services available on this site without giving us any personally identifiable information about you.

You also may visit this site and, through your use of this site, provide us with personally identifiable information about you. This Online Privacy Notice explains the categories of personally identifiable information collected on the site, and the categories of third parties to whom we may disclose that information.

Categories of Personal Information We May Collect At This Site

1. Information we receive from you when you submit the online personal loan application at our site, such as, but not limited to, your name, address, social security number, telephone number, email address, income and occupation.
2. Your email address if you sign up to receive our newsletters and information about our products and services.

Categories of Third Parties With Whom We May Disclosure Your Information

Our Affiliates and Lending Partners

We may disclose personal information about you are in several different businesses, including banks, credit cards companies, consumer finance companies and other funding institutions. These companies may change from time to time to better our service to our customers.

Non-affiliated Third Parties

We may disclose personal information about you to the following types of nonaffiliated third parties:

Financial services providers, such as companies engaged in banking, credit cards, consumer finance, securities and insurance.

Changes to Our Online Privacy Notice

From time to time, we may change our Online Privacy Notice. The effective date of this Online Privacy Notice, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.

Contacting us:

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact us at privacy@eFinancing-Solutions.com

We will continuously assess ourselves to ensure that customer privacy is respected.



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