This Privacy Policy applies to the website (www.hfsfinancial.net), which is owned by HFS Financial, LLC (“Company,” “we,” “us,” or “our”). By accessing and using the website, you agree to the terms of this Privacy Policy.
Server Logs
Our servers record your computer’s IP address and website usage in “server logs” when you use the website. No personally identifiable information is contained in these logs, such as name, address, phone numbers or email addresses. We use these logs to help diagnose problems with our servers, analyze traffic patterns and to administer the website.
Cookies
We use cookies on certain pages of our website. Cookies are small text files stored on your hard drive, not on our website. A cookie is not a program and does not itself have the ability to automatically collect personal information about you. A cookie can store certain information that identifies your browser to our servers to make the website operate more smoothly. For example, we use cookies to aid in the functioning of a sign in form. Most cookies we use are “session cookies” which means that they are automatically deleted when you leave the website.
Voluntary Contact
If you send us information voluntarily, such as through a form on the website or through personal correspondence or email, or if other users or third parties send us correspondence about your activities, we may collect such information. We use such information, and other information that we obtain from your use of the services we provide, to process your requests, resolve disputes, troubleshoot problems, and enforce our Terms of Use, among other things. Please also note that information you volunteer in public areas is not protected information, and anyone could potentially collect and use such information in ways we cannot control. In addition to using your information as described above, we also may occasionally send you email announcing special promotions, changes in our services, and other information we believe will be of interest to you. You may opt in or out of receiving these communications by using the join/unsubscribe feature located in any email we send. We cannot ensure that all your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy. For example, we may be forced to disclose information to the government or third parties under certain circumstances without your consent, or third parties may unlawfully intercept or access transmissions or private communications. We can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or that may expose us to legal liability. However, we will not use your information for marketing purposes without your consent. We do not sell or rent our list of users past or present to any third party without your consent.
With Whom do we Share Your Information
In submitting an inquiry for a loan product or other service offered through the website, when you click on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you signify your agreement to proceed you are consenting, acknowledging, and agreeing to the disclosure of information you provide to our lending partners (to match you for a loan). BE AWARE that a lending partner with whom you are matched may retain or use your information whether you use their services as described in each lending partner’s separate privacy policy.
Linked Websites
For your convenience, the website contains links to other sites. Please be aware that we are not responsible for the privacy practices or content of such other websites, which may differ significantly from our own. We encourage our users to be aware when they leave our website and to read the privacy policy of each website that collects personally identifiable information. This Privacy Policy applies solely to information collected by our website.
Security
The website has commercially reasonable procedural security measures in place designed to protect the loss, misuse, and alteration of the information you provide. As noted above, we do not guarantee that third parties will not unlawfully intercept or access transmissions or private communications that include information you provide.
A Special Note About Children
The website is directed only to individuals in the locations we serve who are at least 18 years of age. The website is not directed to minors and children under the age of 13 are directed not to submit personal information to us.
Changes
We may make changes to this Privacy Policy at any time by posting an updated version on our website.
Contacting Us
If you have any questions about this Privacy Policy, the practices of the website, or your dealings with the website, you may email us at info@wordpress-462442-3865005.cloudwaysapps.com.
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The following only applies to California Residents if and to the extent that Company is subject to the California Consumer Privacy Act:
NOTICE TO CALIFORNIA RESIDENTS – CCPA
The California Consumer Privacy Act (“CCPA”) provides California residents with certain rights concerning how personal information is collected, used, managed, and stored.
Personal information that we collect, use, and share. We do not sell personal information. As we explain in this Privacy Policy, we use server logs and cookies to, among other things, analyze website traffic, diagnose problems, and facilitate advertising.
Your California privacy rights. The CCPA grants California residents the following rights. However, these rights are not absolute, and in certain cases we may decline your request as permitted by law.
- Information. You can request information about how we have collected, used, and shared and used your personal information during the past 12 months.
- The categories of personal information that we have collected.
- The categories of sources from which we collected personal information.
- The business or commercial purpose for collecting and/or selling personal information.
- The categories of third parties with whom we share personal information.
- Whether we have disclosed your personal information for a business purpose, and if so, the categories of personal information received by each category of third-party recipient.
- Whether we have sold your personal information, and if so, the categories of personal information received by each category of third-party recipient.
- Access. You can request a copy of the personal information that we have collected about you during the past 12 months.
- Deletion. You can ask us to delete the personal information that we have collected from you.
You are entitled to exercise the rights described above free from discrimination in the form of legally prohibited increases in the price or decreases in the quality of our services.
How to exercise your California rights. You may exercise your California privacy rights described above as follows:
- Right to information, access, and deletion. You can request to exercise your information, access, and deletion rights, by emailing us at info@wordpress-462442-3865005.cloudwaysapps.com. We reserve the right to confirm your California residence to process your requests and will need to confirm your identity to process your requests to exercise your information, access, or deletion rights. As part of this process, government identification may be required. Consistent with California law, you may designate an authorized agent to make a request on your behalf. To designate an authorized agent to make a request on your behalf, you must provide a valid power of attorney, the requester’s valid government-issued identification, and the authorized agent’s valid government issued identification. We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.
- Request a list of third-party marketers. California’s “Shine the Light” law (California Civil Code § 1798.83) allows California residents to ask companies with whom they have formed a business relationship primarily for personal, family or household purposes to provide certain information about the companies’ sharing of certain personal information with third parties for their direct marketing purposes during the preceding year (if any). You can submit such a request by sending an email to us at info@wordpress-462442-3865005.cloudwaysapps.com with “Shine the Light” in the subject line. The request must include your current name, street address, city, state, and zip code and attest to the fact that you are a California resident.
We cannot process your request if you do not provide us with sufficient detail to allow us to understand and respond to it.
Sharing your personal information
We do not sell, trade, or rent users’ personal identification information to others in accordance with the CCPA. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
Last Revised: January 2023