Privacy Policy

Effective August 22, 2022

Summary

At CapitalZone, we're committed to protecting the privacy rights of our users. That means we've designed a privacy compliance framework that gives our users control over their information and privacy rights. This framework is designed to follow all the laws and regulations regarding privacy rights and gives our users the ability to exercise their privacy rights.

We may collect and use information about you when you visit our website. This information may include your device and system information, your IP address, browser type, and other information. We use this information to improve your experience on our site. You can opt-out of certain uses of your information. For more details, please read our full privacy policy. We use this information to make our website better and to give you the services you want. We may share some of your personal information with other companies that we work with. For example, if you live in Vermont, we will not share your private information with other companies without your permission. If you live in California, please read our California privacy notice for more information.

We use your sensitive personal information, like financial information, to try and find a third-party financial partner or platform that can offer you different financial products.

The information helps us run our websites and give you the services you want. We also use it to make our websites better over time and to keep track of how people use them. And it lets us work with our partners (like clients, vendors, and affiliates) to make sure everything runs smoothly.

We will not share your information unless we are required to by law, or as required in order to provide you with our website and services. We want you to be aware of how your information will be used, so please read our full privacy policy found below.

This privacy policy describes the data collection practices of our company, CapitalZone, in connection with this website and the Services we offer. We collect data from you when you use the Site or engage with our Services. This data helps us improve our Site and Services so that we can better serve you.

We reserve the right to change this Privacy Policy whenever we want. If we do, we'll post the new policy on this website and update the "Last Updated" date below.

If we make big changes to our Privacy Policy, we will tell you 7 days before the changes happen. The changes will happen 7 days after we tell you about them.

1. Terms of Service

This Privacy Policy is part of our Terms of Service. Any terms in this Privacy Policy that are not defined in our Terms of Service shall have the meaning given to them in our Terms of Service.

2. Legal Basis

The legal basis for our processing of your Personal Information is typically one or more of the following:

• Contract Performance. You are agreeing to let us provide you with our services by using this site. In order to do that, we need to process some of your personal information, like your financial information, to provide you with our partners' offers.


• Legitimate Interests. We may use some of your Personal Information where we have legitimate business grounds to do so. This means that we have a good reason to use your information and it is in our interest to do so. We use this Personal Information to operate, improve and promote the Services (for example, when we customize your experience of the Services or for analytics purposes) and to protect our business (for example, to prevent fraud or ensure the Site's security).


• Legal Obligations. In some cases, we may need to use your personal information to comply with regulatory obligations or legal requirements (for example, addressing complaints from users or authorities).


• Consent. In some cases, we will need your permission to use your Personal Information in order to provide additional services. For example, if you subscribe to our newsletters, provide us Personal Information to get personalized loan offers, or add a review on a service or product. If you wish to withdraw your consent, please send an email to the email address provided. We will endeavor to respond to your request within a reasonable timeframe.

3. Information We Process

When you use some of our Services, you will need to provide us with certain personal information. This could be information like your financial information or your contact information. We will only use this information if you specifically give us permission to do so.

Information You Provide to Us. When you use some of our Services, you will need to provide us with certain personal information. This could be information like your financial information or your contact information. We will only use this information if you specifically give us permission to do so.

For the purposes of this Privacy Policy, "Personal Information" means information that may be used, either alone or in combination with other information, to personally identify an individual. This includes a first and last name, an email address, phone number, a home or other physical address, and other contact information. In some jurisdictions and given the specific use we make with the information, an IP address that your Internet service provider allocates for your device may also be considered as Personal Information. If this is the case, we will treat the IP address as personal in all handling and safeguarding aspects.

• Third-Party Forms and Services: The Site compares various businesses, lending partners, platforms, brands, and commercial entities in the financial services market (collectively, "Partners") and their respective products and/or services (collectively, "Products"). We may provide you with offers, services, and Products of Partners via an online request to be filled by you. Such information will be used to facilitate your connection and/or engagement with the relevant Partners (“Lead”). If you click on a Partner's icon or tab, you will be taken to their website where you can learn more about them or their products. The information you submit will be shared with the Partner and used according to this privacy policy and the Partner's own privacy policy. The information you submit on the landing page will be collected by the partner who provided the page. They will have their own privacy policy and information about how they collect and use data. It's a good idea to read their privacy policy so you know why they are collecting your information and how it will be used.


• Contact Us: If you want to contact us, you can fill out a form on our website, send us an email, or use a feedback or reporting feature. We might need some information from you, like your name and email address.


• Blogs, Newsletters, Surveys and Promotions. The Site may contain a blog forum, reviews, and articles displaying information about our services, Partners, Products, and the relevant market vertical. The Site may also offer you the opportunity to subscribe to newsletters and participate in surveys and other promotional activities (some of which may be administered by us, and some of which may be administered by third-party services with which we engage). In each of the foregoing cases, your interaction (such as responding on the blog forum, subscribing to a newsletter, or participating in a survey) may require you to provide certain Personal Information such as your name and email address.

Information We Collect from You. We collect information about your use of the Services and your interaction with the Site or the Services in the following ways:

• Device Information: We collect information about the type of device you are using, the operating system, the language, and your location so that we can deliver content to you and make sure it is compatible with your device. This information is extracted from your user agent, which is the software that allows you to access web content.


• Interactions and Usage: We collect information about how you use the Site and the Services so that we can keep improving them. This includes what pages you visit on the Site and what other websites you visit before or after coming to the Site.


• Log Files: We collect information from server log files and by using tracking technologies on the Site, like pixel tags. We do this to see patterns, track how users interact with the Site and Services, and what kind of information they look at. The type of information we collect can include the internet protocol (IP) address that your Internet Service Provider gave to your device. We collect IP addresses for a limited time and for specific purposes. 
  
  
  
  • One purpose is to better understand your geographic location (country, region, and language) and therefore be able to provide the Services in your own language and relevant to your place of origin. 
  
  
  • Second, we use automated tools to analyze IP addresses and flag those that are fraudulent. Third, we may retain your IP address as evidence of any consent you have given us or our Partners.
  
  
  
  


• Cookies and Similar Technologies. The Site may use "cookies" and other anonymous web tracking technologies (such as "web beacons" and "pixel tags") implemented by us or by third-party service providers. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the website again, the cookie allows that website to recognize your browser. Cookies store your online preferences and other information about the interaction you make on the Site. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent to your browser. However, some features or services, included in the Site, may not function properly without cookies, and some features may become unavailable for you in such cases. A pixel tag is a type of technology placed on a website for the purpose of tracking activity on websites, or when emails are opened or accessed (if applicable), and is often used in combination with cookies.


• Our Cookie Policy explains the types of cookies we use and how we use them.


• Information we receive from Third Parties. The Site and Services are operated with help from third parties, including Partners, affiliates, and other companies. To be able to offer you tailored services and deals from Partners, we may receive information from these third parties. The information could include an internal user identification number. Some Sites allow you to use the Service on a click-to-call basis. If you choose this option, a third-party vendor will facilitate the call transmission, tracking, and feedback for success. The phone number you used to call us may be provided to us (without any other information about you), for a limited time and for the purpose of resolving referrals and successful calls with our Partners. We will not use this information for any other purpose unless you give us your explicit consent.

4. Consent, Choice, and Modifications

You are not required to provide us with Personal Information or to use the Site. 

However, by using the Site and engaging or interacting with the Services, you consent to this Privacy Policy and our information practices described herein. If you do not agree to this Privacy Policy, please do not access or otherwise use the Site or the Services.

Some of the Services will require you to submit specific Personal Information. In such a case you can choose whether you want to use such Services or not. Be aware that even if you provided us with your Personal Information, you have the full right to withdraw such consent at any time.

5. The Way We Use Personal Information.

We use your Personal Information to provide, operate, and improve our Services. This includes using your Personal Information to:

• Administer and make the Site and Services available to you, 


• Respond to your inquiries, 


• Identify or authenticate your access and use of the Site, 


• Market personalized offers to you. 

We may also use your Information to further develop and improve the Site and the Services, counting and tracking referrals and ads, or for validation of users as human and anti-fraud monitoring.

6. Sharing Information with Third Parties

We do not share Personal Information about you with third parties, except for the following circumstances: 

1. when it is necessary to complete a transaction that you have requested 


2. when it is required by law or to protect our rights


3. when we have your consent

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  Data Storage and Security Platforms

  
  

  We use third-party cloud and storage services to store and retain all the information we collect about you. That means we send or share your information with other companies located anywhere in the world, including the United States, for the purpose of storing it on our behalf or for other processing needs. We use Data Platforms that maintain strict privacy protection and data security policies, and strict compliance with applicable data protection laws. However, their practices and activities are fully governed by their own privacy policies. Such entities include Amazon Web Services (whose privacy policy is available at: https://aws.amazon.com/privacy/) and Xplenty (whose privacy policy is available at: https://www.xplenty.com/privacy/). These Data Platforms may be located anywhere in the world.
  



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  Social Media Platforms

  
  

  We may share information with social media platforms (such as Facebook, LinkedIn, etc.) for marketing and operation purposes. Such social media platforms may collect your Personal Information independently and may combine the not identified information provided by us, with your Personal Information which they collect to which you gave your separate and independent consent. Any such action and any Personal Information that may derive from it is subject to the social media's own privacy policy and is not, governed, controlled, or known by us. To the extent provided by law, you may opt-out from this data sharing according to section 9 below (Privacy Notice for California Residents).
  



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  Third-Party Service Providers

  
  

  We may send your information to different third-party service providers that help us with our business operations. This could include customer service operators and email or phone administration providers. These providers help us understand how our users use the Site and Services. They also help us improve them.
  



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  Enforcement

  
  

  We may share your Personal Information with any third party if we believe that disclosure of such information is helpful or reasonably necessary to:

  
  
  
  
  • comply with any applicable law, regulation, legal process, or governmental request
  
  
  • enforce our Terms of Use, including investigations of potential violations thereof
  
  
  • detect, prevent, or otherwise address fraud or security issues
  
  
  • protect against harm to the rights, property, or safety of NI.
  
  
  
  


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  Partner Offers

  
  

  If you want to receive offers from our partners, you can submit a request online. We will then send your request information to our partners so they can provide you with personalized offers and contact you. You may get calls from people trying to sell you stuff or from other people working on their behalf. This may happen even if you have your phone number registered on a state, corporate, or federal "do not call" list. Before you give us your consent for such sharing, you will be able to find the identity of the Partner with whom information is shared or a list of such Partners and service providers with whom such Request information is shared.
  
  You acknowledge that

  
  
  
  
  • the Partners may contact you using the Request information which you submitted
  
  
  • we do not control the way in which Partners may contact you, or the subject matter of such contact
  
  
  • each Partner is required to provide its own privacy policy, and so it would not necessarily adhere to this Privacy Policy
  
  
  
  


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  Merger, Sale, Affiliates, or Bankruptcy

  
  

  We may share your information with our group companies (e.g. parent company, subsidiary, sister company, or other affiliated entities). In the event that NI or one of our affiliated entities is acquired by or merged with, a third party entity, or otherwise sells all or part of our/its assets, we may transfer or assign the Personal Information and other information we have collected or received. In such a case, we will require the acquiring entity to post its data practices and provide you with any of your rights as per the jurisdiction of your residency.
  



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  Third parties

  
  

  We may share some non-Personal Information with the following type of third parties:

  
  
  
  
  • We use third-party services to provide us with features and content that we can offer to you. These services collect data from the site and from visitors' engagement with the content and features.
  
  
  • We may use third-party analytics tools, including Google Analytics and Tableau, to help us understand users' behavior on our Site and Services. These tools may track page content, click/touch, movements, scrolls, and keystroke activities.
  
  
  • The privacy practices of these tools are subject to their own policies and they may use their own cookies to provide their services. For further information about cookies, please see our Cookie Policy.
  
  
  
  

  Click the links below for further information about Google cookies and how to opt-out of Google Analytics

  
  
  
  
  • Google's Privacy Policy https://policies.google.com/privacy
  
  
  • How Google uses data when you use our partners' sites or apps https://www.google.com/policies/technologies/partner-sites
  
  
  • Opt out of Google Analytics https://tools.google.com/dlpage/gaoptout
  
  
  
  


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  Google Maps 

  
  

  Our website includes features and content from Google Maps. The use of these features and content is subject to the then-current version of the Google Privacy Policy, which you can find at https://www.google.com/policies/privacy/.
  

Links to and Interaction with Third Party Properties

The Site may link to other websites that are not NI websites, content, and other online properties (collectively, "Third Party Properties"). Data associated with your clicking through to such Third Party Properties, as well as any Personal Information you provide on such Third Party Properties, is provided to the third party (although NI and its affiliated entities may have arrangements with some of these third parties). We use third-party services to provide certain features and content. These services may collect data from the site and from visitors' engagement with the content and features.

Choices and Opt-Out

You can choose whether or not to give us your information for the uses described in this Privacy Policy. You can also choose what to do with your Personal Information and the jurisdiction of your residency at any time.

You can choose to not allow cookies from this site or from third-party services. If you want to remove your Personal Information from our servers, please go to Section ‎2.

California privacy notice

This section is for people who live in California. The California law might be different from the GLBA in some ways. So if you live in California, this section tells you what we do with your information. The California Consumer Privacy Act (CCPA) provides certain rights to California residents with respect to their personal information. As a California resident, and to the extent provided by law, you may:

• Request to Know/Access- You have the right to know what information we have collected, used, or disclosed in the last 12 months. This information is in Sections 3.1, 3.2, and 3.3 of our Privacy Policy. If you want to know more about the specific pieces of personal information we have collected, please let us know and we will tell you.


• Request to Deletion- You can ask us to delete the personal information we have about you from our records. We will delete your information once we have verified your identity, unless there is an exception, such as if we need to keep the information to detect security incidents, debug issues, or comply with legal obligations.


• Request to Opt-Out- You can tell us not to sell your personal information by clicking the "do not sell my personal information" link at the bottom of our homepage. Just check the box and we won't sell your information to anyone.


• No Discrimination- We will not treat you unfairly because you exercised your rights under the law. This includes giving you different prices or services or giving you a lower quality of goods or services.


• Handling Privacy Requests- We try to answer any requests from consumers about their personal information within 45 days. If we need more time, we will notify you in writing why and how long it will take. We might not be able to answer the request if we can't verify who the consumer is or if we need to keep the information for other reasons.

Our California Do Not Track Notice means that some web browsers offer a way to tell websites not to track your activity. This is done by sending a signal to the website. We do not currently respond to these signals, but we may allow third-party companies to collect information about you when you use our Service.

Information Security

Information security means keeping our website and the information on it safe. We have security systems and procedures to protect the information on our website from being accessed by unauthorized people. For example, we use SSL to encrypt the Site and any other information in transport. We periodically review our information and data collection practices to ensure constant monitoring. We use third-party processing and serving services that implement various information security standards and certifications (at rest and transmission). We monitor and filter access to data when it comes in. Systems and procedures that reduce the risk of security breaches help keep information safe, but they don't provide complete security. There is no guarantee that the site and our servers are safe from unauthorized access or other security risks.

Children’s Privacy

The Site and Services are not for kids under 18. We don't want information from anyone under 18. If we accidentally get information from someone under 18, we will try our best to delete it quickly. If you think we might have information about you or anyone under the age of 18, please let us know.

Commitment

We are committed to protecting your privacy online. This is an evolving practice, and we use our best efforts to evolve our Site in a manner that meets these requirements and best practices as per all jurisdictions in which the Site is available.

Contact Us

We try to make this Privacy Policy simple and easy to understand. However, if you have any questions you may contact us at [email protected].

Our privacy email box [email protected] is for data protection inquiries in accordance with your legal rights listed above. Any other inquiries sent to this email box will be ignored.