This Privacy Policy (the “Policy”) applies to the greenratesfinancial.com website (the “Website”). This written policy is designed to tell you about our practices regarding collection, use, and disclosure of information that you may provide via this Website and certain related services. Please be sure to read this entire Privacy Policy before using, or submitting information, to this Website. This Privacy Policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context.
Agreement to this Privacy Policy: By using this Website, you consent to this Privacy Policy, including your consent to our use and disclosure of information about you, in the manner described herein.
greenratesfinancial.com collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users.
greenratesfinancial.com collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration, subscribe to one of our services, or by sending questions to greenratesfinancial.com via the Website. The types of Personally Identifiable Information greenratesfinancial.com collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of paychecks, and information about your banking account. The decision to provide this information is optional by the consumer, prospect, or customer; however, if you decide not to register or provide such information, you may not be able to use certain features of the Website or other services.
The types of non-Personally Identifiable Information that greenratesfinancial.com collects (either directly, through the use of “cookies” or through the use of a third-party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the Website visited by users of the site; information about the links that users may click to visit on the Website. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you. We may also utilize single-pixel GIF image files (“Web beacons”), Web server log analysis, and other similar technologies. Such information may be used to track usage trends and enhance the user experience, and may be shared with third-parties.
greenratesfinancial.com may share this non-Personally Identifiable Information with its suppliers and other third- parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information. Information Collected by Third- Parties
greenratesfinancial.com may allow third-parties, including advertising partners, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. greenratesfinancial.com does not provide Personally Identifiable Information to these third-parties.
To the extent third-parties may place advertising on the Website, such third-parties may utilize cookies or other tracking technologies. We are not responsible for information collected by third-parties in this manner, nor for the collection or use of information by other sites to which the Website is linked.
We use your personal information and non-personal information for internal purposes, such as to provide you with the Website and services, to notify you of new products or services, and to otherwise communicate with you. You may be contacted by partners, or a similar but separate company on our behalf, or companies with whom we share information for marketing purposes. We may work with other businesses to bring select retail and/or service opportunities to our visitors. Such businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancements, suppression, and validation. We may use your PII to enforce the terms and conditions or perform any other function described to you at the time greenratesfinancial.com collects the information.
The operator of this website does not make any credit decisions. Independent, participating debt relief companies and marketing partners that you might be connected with may perform credit checks in the form of a soft pull or hard pull with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. A soft pull is a type of credit inquiry that does not affect your credit score or appear on your credit report viewed by the debt relief companies/marketing partners. These soft pulls are conducted to assess your current financial situation and aid in the eligibility process. Please note that soft pulls are different from hard pulls, which can impact your credit score. By submitting your information, you agree to allow participating debt relief companies to verify your information and check your credit. Debt relief provided by independent, participating partners in our network are designed to provide debt relief services to you.
greenratesfinancial.com may share your personal information and non-personal information with third-parties for the purpose of allowing them to provide or market information about products and services that we think will be of interest to you.
From time to time, we may establish a business relationship with other businesses that we believe to be trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, customer relationship management, data storage and management, and direct marketing campaigns. We provide our Service Providers with only the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your Personal Information from unauthorized access, use or disclosure.
We may work with third-party marketing and advertising companies ("Ad Networks"). These companies may collect and use information about your use of the Website or services in order to provide advertisements about goods and services that may be of interest to you. Advertisements may be shown via the Website, the services, or third-party sites. These companies may place or recognize a unique cookie on your computer or use other technologies such as Web beacons. Our Privacy Policy does not cover any use of information that an Ad Network may collect from you. It also does not cover any information that you may choose to provide to an Ad Network or to an advertiser whose goods or services are advertised through the Website.
Any third-parties with whom greenratesfinancial.com shares Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once greenratesfinancial.com has transferred or shared it with those third-parties as described in this Policy or the greenratesfinancial.com Terms and Conditions.
We may share personal information and non-personal information with businesses controlling, controlled by, or under common control with, us. If our company is merged, acquired, or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer personal information and non-personal information in connection with such transaction.
We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose personal information and non- personal information about you to government or law enforcement officials or private parties when compelled by law or court order to do so or if, at our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including subpoenas and investigative demands), to protect the safety, property or rights of our company or of any third-party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.
By providing personal information on or through the Website, or in connection with services provided by greenratesfinancial.com thereon or in connection therewith, you agree that:
greenratesfinancial.com may provide links or automatically redirect you to third-party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our Website, you may be taken to a website that greenratesfinancial.com does not operate or control. You should review the privacy statements and terms of use of all third-party websites you access. These third-party websites may independently solicit and collect information from you. On occasion, those third-party websites may provide greenratesfinancial.com with information about your use of those sites.
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at greenratesfinancial.com’s sole and absolute discretion. Changes to this Policy will be posted on the Website and greenratesfinancial.com will revise the “Effective” date at the top of this Policy. You should review this Policy each time you access the Website. If greenratesfinancial.com makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, greenratesfinancial.com will notify you by prominently posting notice of the changes on this Website.
The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. greenratesfinancial.com does not knowingly collect, retain, or share Personally Identifiable Information from children under the age of 18.
The Website is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personally Identifiable Information through the Website. We do not knowingly collect Information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.
greenratesfinancial.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the Information greenratesfinancial.com collects online. For example, only authorized employees and authorized third-parties are permitted to access such Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although greenratesfinancial.com takes steps to secure your Information, greenratesfinancial.com cannot and does not guarantee the security or integrity of the information. We shall have no liability for breaches of security or integrity or third-party interception in transit. Please be advised that any transmission of data, at or through the Website, is at your own risk.
If you would like to review and/or request changes to the information that greenratesfinancial.com has collected about you through your use of the Website, please contact greenratesfinancial.com by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such Information to third-parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her Information shared with third-parties. greenratesfinancial.com has elected the second option, and you may opt out by completing one or more forms on our OptOut page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
The Website may contain links to other sites, or allow others to send you such links. A link to a third-party's website does not necessarily mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party sites. You access such third-party sites or content at your own risk. You should always read the privacy policy of a third-party site before providing any information to the website.
You may opt out of having information about you shared with third-parties (other than when required by law or court order or to process transactions to which you have consented), or from receiving future offers in connection with the Website, by following the instructions contained within each marketing communication or by emailing us at info@ greenratesfinancial.com. However, such opting out will not apply to any communications from our other website offerings you have registered for, or to our network partners or other third-parties to whom we may have already provided your information. Those third-parties' use of your information is subject to such parties' own privacy policies and opt-out procedures, for which we are not responsible.
This Online Privacy Policy is intended to cover collection of Information on our Websites from residents of the United States. If you are visiting our Website from outside the United States, please be aware that your Information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your Information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.
greenratesfinancial.com reserves the right to change or update this Privacy Policy at any time by posting a notice on our Website(s) that we are changing our Privacy Policy. If the manner in which we use Personally Identifiable Information changes, greenratesfinancial.com will notify you by: (a) posting the changes as a start-up screen prior to your subsequent use of the products and/or service offered on the Website(s); (b) sending the modified policy to the users via email; (c) placing a link to the modified policy on the applicable Website’s home page; or (d) by any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether or not we use your Information in this different manner. At any time that you do not agree with the changes, you must opt out from receiving future communications from us (see the "Choices/Opt-Out" section above). Failure to opt out after notice of any such changes constitutes an affirmative acknowledgement and acceptance by you of the modified Privacy Policy.
If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us. greenratesfinancial.com
info@greenratesfinancial.com
Disclaimer Our services are available to US residents only. We are committed to protecting your privacy and will never share your information without your consent.