| Essex Credit is committed to providing you with
excellent service for all of our products. Because
we respect your right to privacy, we have developed
this Privacy Statement to inform you about our privacy
practices for the entire Essex Credit site (which
covers EssexCredit.com, BoatLoansMadeEasy.com and
rv-loans.com).
This privacy statement discloses our
privacy practices:
- What personally identifiable information of
yours or third party personally identification
is collected from you through the web site
- The organization collecting the information
- How the information is used
- With whom the information may be shared
- What choices are available to you regarding
collection, use and distribution of the information
- The kind of security procedures that are in
place to protect the loss, misuse or alteration
of information under Essex Credit control.
- How you can correct any inaccuracies in the
information.
Information Collection and Use:
Essex Credit is the sole owner of the information
collected on this site. We will not sell, share,
or rent this information to others in ways different
from what is disclosed in this statement. Essex
Credit collects information from our users at
several different points on our website.
Ask a Question:
In order to request information from Essex Credit,
a user must complete a short Question form. This
form requires the user to give their contact information
(such as name and email address). This information
is used to contact the user about the services
on our site for which they have expressed interest.
It is optional for the user to provide demographic
information and unique identifiers (such as social
security number), but encouraged so we can provide
a more personalized experience on our site.
Loan Applications and Rate Quote Requests:
We request information from the user on our loan
application and rate quote request forms. Here
a user must provide contact information (like
name and shipping address) and financial information
(like social security number, credit card number,
expiration date). This information is used for
reviewing credit worthiness, so that we can evaluate
whether or not to provide a loan. If we questions
or need more information, personal contact information
is used to get in touch with the user.
If you are not comfortable providing this information
via our website, you may print our loan applications
and fax them to us. You may also call us and we
can take your application via phone:
Essex Credit Corporation
401 Lennon Lane, Suite 250
Walnut Creek, CA 94598
(866) 377-3948
Fax (866) 377-3939
Cookies:
A cookie is a piece of data stored on the user¹s
hard drive containing information about the user.
Usage of a cookie is in no way linked to any personally
identifiable information while on our site. Once
the user closes their browser, the cookie simply
terminates. If a user rejects the cookie, they
may still use our site. The only drawback to this
is that the user will be limited in some areas
of our site. Cookies can also enable us to track
and target the interests of our users to enhance
the experience on our site.
Log Files:
We use IP addresses to analyze trends, administer
the site, track user¹s movement, and gather
broad demographic information for aggregate use.
IP addresses are not linked to personally identifiable
information.
Sharing:
We will share aggregated demographic information
with our partners and affiliates. This is not
linked to any personal information that can identify
any individual person.
We use outside vendors, such as credit bureaus,
to verify information you give us about your credit
history. These companies do not retain, share,
store or use personally identifiable information
for any secondary purposes.
Links:
This web site may from time-to-time contain links
to other sites. Please be aware that we Essex
Credit are not responsible for the privacy practices
of such other sites. We encourage our users to
be aware when they leave our site and to read
the privacy statements of each and every web site
that collects personally identifiable information.
This privacy statement applies solely to information
collected by this Web site.
Tell-A-Friend:
If a user elects to use our referral service for
informing a friend about our site, we ask them
for the friend¹s name and email address.
Essex Credit will automatically send the friend
a one-time email inviting them to visit the site.
Essex Credit stores this information for the sole
purpose of sending this one-time email. The friend
may contact Essex Credit at office@essexcredit.com
to request the removal of this information from
their database.
Security:
This website takes every precaution to protect
our users¹ information. When users submit
sensitive information via the website, your information
is protected both online and off-line.
When our loan applications or Rate Quote Request
forms ask users to enter sensitive information
(such as bank account information and/or social
security number), that information is encrypted
and is protected with the best encryption software
in the industry - SSL. While on a secure page,
such as our loan application, the lock icon on
the bottom of Web browsers such as Netscape Navigator
and Microsoft Internet Explorer becomes locked,
as opposed to un-locked, or open, when you are
just Œsurfing¹.
While we use SSL encryption to protect sensitive
information online, we also do everything in our
power to protect user-information off-line. All
of our users¹ information, not just the sensitive
information mentioned above, is restricted in
our offices. Only employees who need the information
to perform a specific job (for example, our loan
managers or a customer service representative)
are granted access to personally identifiable
information. Our employees use password-protected
screens to gain access to this information. Furthermore,
ALL employees are kept up-to-date on our security
and privacy practices.
If you have any questions about the security
at our website, you can send an email to office@essexcredit.com
Supplementation of Information:
In order for this website to properly fulfill
its obligation to our customers, it is necessary
for us to supplement the information we receive
with information from 3rd party sources.
For example, to determine if our customers qualify
for one of our loans, we use their name and social
security number to request a credit report.
Correction/Updating Personal Information:
If a user¹s personally identifiable information
changes (such as your zip code), or if a user
no longer desires our service, we will endeavor
to provide a way to correct, update or remove
that user¹s personal data provided to us.
This can usually be done at the member information
page or by emailing our Customer Support.
Notification of Changes:
If we decide to change our privacy policy, we
will post those changes on our Home page so our
users are always aware of what information we
collect, how we use it, and under circumstances,
if any, we disclose it. |
