Privacy Policy – UT

MoneySpot Direct, LLC Privacy Policy

Effective Date: 02/27/2020

Last Updated Date: 02/27/2020

MoneySpot Direct LLC, trading as Sunshine Loans, is a company which provides, or arranges, for consumers to obtain loans. We welcome you to our website at https://www.sunshineloans.com, as well as all related websites and mobile applications (the “Site”), and products and services provided by us and certain third parties (collectively, together with the Site, our “Service”). By accessing or using the Service or the Site, you acknowledge that you have read, understood, and agree to the terms of this privacy policy (“Privacy Policy”). If you cannot agree to the Privacy Policy, then please do not use the Service or the Site.

As you use our Service, you may provide us with information about you, including information that can be used to identify you. This Privacy Policy explains (1) your responsibilities when using the Site and the Service, and (2) how Sunshine Loans may collect, use, and disclose information you provide us and other information we receive related to your use of the Service.

If you have questions about this Privacy Policy, please contact us:

Phone: (800) 504-9776

Email: [email protected]

What does Sunshine Loans do with your personal information?

We collect information from a variety of sources, including information provided by you, information we collect when you visit our Site, transaction information, and information we collect about you from third party sources. This information may include:

• Social Security Number
• Account Balances, Employment Information and Income
• Bank Statement information
• Credit History and Scores
• Name
• Physical Mailing Address, including Zip Code
• Email Address
• Telephone Number(s)
• Mobile Number(s)
• Usernames and Passwords
• Location
• User files

We may make additional inquiries during the course of your loan to assist us with our collection activities.

Why?

Financial companies choose how they share your personal information. Federal law, along with some state laws, give consumers the right to limit some, but not all, sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this Privacy Policy carefully to understand how we use your information.

Please note: If you are a new Customer, we can begin sharing your information 30 days from the date you complete your first transaction with us. When you are no longer our Customer, we
continue to share your information as described in this policy; you can contact us at any time, however, to limit our sharing.

You may review and update the personal information we hold about you by signing into your personal account at sunshineloans.com and by contacting [email protected].

How does Sunshine Loans collect my personal information?

We collect personal information from you as you use our Service but only as allowed by law. We limit the collection of personal information to what is relevant and necessary to accomplish a lawful purpose.

Automatically collected information

We do not collect home, business or email addresses, or account information from people who simply browse our Site. The information we do automatically collect includes the domain name or Internet Protocol address that relates to the machine or device used to access our Site, the type of browser and operating system used, the date and time when the Site is visited, device ID if you are on a mobile device, geolocation data and web pages displayed.

Like many websites, this Site uses “session cookies” and “persistent cookie” technology. Persistent cookies are small text files that our Site places within your browser so that it can remember you when you show up again later—like cookie crumbs. None of these cookies store any of your personal information. We use persistent cookies to enhance your experience on our Site while also protecting your privacy, as well as enhancing the functionality and performance of our Site, and for analytical purposes. On our Site, temporary cookies, also called session cookies, may be placed within your browser and expire as soon as you exit our site. Typically, session cookies are used to facilitate interactions between you and the fields in forms on our Site.

Managing cookie preferences differs from browser to browser, please refer to your web browser for further information. If you would like to disable cookies from Sunshine Loans, please use the help function in your web browser to restrict cookies from our Site.

We use Google Analytics to see how visitors are using Sunshine Loans. Google Analytics reports traffic patterns anonymously. We may collect non-identifying information, such as the type of browser and browser version you are using to access our Site, the day and time you access our Site, the referring website that linked you directly to our Site (if you arrived here by clicking a link on another website), and limited geographic information. No personally identifiable information is collected for this purpose.

Third Party Collection

Although we do not collect personally identifiable information on consumers that visit our Site, there exists the possibility that other third parties conduct online tracking on Site over which we do not control. Such third parties may collect Personal Information about your online activities over time and across different websites when you use our Site. We do not control these third parties, who may engage in practices that differ from those described in this Privacy Policy.

You may link your Facebook account to your Sunshineloans.com account, which allows us to obtain information from your Facebook account (like your friends or contacts). The information we get from Facebook often depends on your settings and Facebook’s privacy policy. You have the ability to restrict the information we have access to by updating the settings within your Facebook account. In addition, you can also disconnect your Facebook account from your Sunshineloans.com account at any time. If you link your accounts, Sunshine Loans will not market to any of your Facebook friends or contacts.

We use data collected by mobile carriers for the purpose of verifying identity and preventing fraud. We may continue to access and use this data throughout the duration of the business relationship.

When logging into a third party service (such as a social network) or a website different from our Service, please be aware that the privacy practices of those services may differ. Use of the information will be governed by their privacy policies, and you may be able to modify your privacy settings on their websites. We encourage you to read the privacy policy for each website you visit. We are not responsible for the privacy policies or practices of linked third party sites or services.

Online Tracking

We partner with companies that deliver ads for our Services on sites that you visit on the web. In order to provide you with a more appropriate online experience, some of our ads that you may see are based on your previous online activity on our Site and other websites. Information about your online activities, combined with other information, may be used to select an ad for a product or service that better matches your interests – which is called online behavioral advertising (OBA) or interest-based advertising.

You can opt out from receiving ads based on your online behavior either by visiting the Digital Advertising Alliance (DAA) opt out page at http://www.aboutads.info/choices/ . If you elect to opt out of OBA, you will still see ads, but they may not be as pertinent to you. Please keep in mind that opting out is cookie-based and will only affect the specific computer and browser on which the opt-out cookie is applied. If you delete your browser cookies or if you use a different computer or a different browser and want to continue to be opted out of OBA, you will need to opt out again.

How We Respond to Do Not Track Signals

Our Site does not currently have the capability to recognize the various Do Not Track signals or mechanisms from different web browsers. For more information on Do Not Track please visit https://allaboutdnt.com.

How does Sunshine Loans use my personal information?

Sunshine Loans uses your personal information for the following reasons:

• Provide you with our Service;
• Process your transactions;
• Provide you with account information;
• Maintain your accounts;
• Help you find the location of a Sunshine Loans store;
• Allow you to submit required loan documents through the Site;
• Authenticate your identity;
• Underwrite and fund loans;
• Communicate with you if there is a problem completing a transaction you requested or to discuss a problem with your account;
• Implement collection activities as needed;
• Maintain regular communications with you concerning transactions you initiate, such as requesting information or assistance, submitting a loan request, making payments, or transferring funds;
• Maintain general communications with you about the Site and Service;
• For marketing purposes;
• Respond to court orders and legal investigations;
• Provide you with customer service and support;
• Safeguard against potential fraud;
• Protect data from unauthorized parties and comply with legal requirements;
• Enforce this Privacy Policy, Terms of Use, and any other agreements you have entered into with us;
• For any other purpose for which you provide consent; and
• For any other legitimate business purpose

We may anonymize and aggregate data collected through the Service and use it for any purpose.

How does Sunshine Loans share my personal information?

All financial companies need to share Customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customer’s personal information; the reasons Sunshine Loans chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

For our everyday business purposes – we share your personal information with service providers to perform our Service, such as to process your transactions, maintain your account(s), respond to court orders, legal investigations, or government request, or report to credit bureaus. For our marketing purposes we share your personal information in order to offer our products and services to you.

For joint marketing, we share your personal information with other financial companies. For our affiliates’ everyday business purposes we share your personal information about your transactions and experiences.

For our affiliates to market to you. You may chose not to allow our affiliates to market to you by opting out of marketing communications in the members area.

For non-affiliates to market to you. You may chose not to allow non-affilates to market to you by opting out of marketing communications in the members area.

To detect, investigate, prevent, or take action against illegal activities or fraud.

If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of assets, or transition of service to another provider.

For any other legitimate business purposes allowed by law.

How does Sunshine Loans protect my personal information?

We take reasonable administrative, technical, and physical security precautions to protect the personal information collected or maintained by us against loss, unauthorized access, and illegal use or disclosure. As examples, these measures include computer safeguards and secured files and buildings, among other things. We use encryption software to protect the security of individuals’ personal information during transmission of such information through our Site (for example, the information provided by consumers when applying to us for a loan product). Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. We do not accept liability for unintentional disclosure of your personal information.

Children’s Privacy

The Services are not intended for use by children. We do not knowingly collect personal information from children under the age of 13 years. Please contact us if you believe we may have unknowingly collected information about a child under 13 years of age, and we will take immediate steps to delete any such personal information.

Data Retention

The data collected will be retained as necessary to perform our Services and for a reasonable period of time afterward.

Please be aware that some or all the data retained by us may be necessary for the Site to function properly.

Device Access

The Site may access functions on your mobile device in order to offer you loan(s) and other financial products from Sunshine Loans including:

• Communications hardware (to provide account notifications)
• Local storage (to provide loan documents that you download through the app)
• Camera (to capture images of documents)
• Speaker (as required by law)

Changes

Our Privacy Policy reflects our current business practices and is subject to change without notice.

We reserve the right, in our sole discretion, to modify, add, revise or delete provisions of our Privacy Policy at any time. If our practices change regarding your Personal Information, we will make reasonable efforts to provide notice to you of these changes. Your use of the Service after an update to the Privacy Policy means that you accept the new Privacy Policy. We will post the effective date of any change at the beginning of our Privacy Policy. We encourage you to visit our Site regularly so that you remain aware of how our Privacy Policy may affect you.

Contact Us

If you have questions about this Privacy Policy, please contact us:

Phone: (800) 504-9776
Email: [email protected]
Address: 631 Lucerne Ave, Suite 56, Lake Worth Beach FL 33460

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common ownership as Sunshine Loans.

Non-affiliates

Companies not related by common ownership or control. They may be financial and nonfinancial companies. Non-affiliates include marketing companies which sell information for marketing purposes.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. Joint marketing partners include pre-paid card companies, partners that promote our products, and other lending companies.