Luxe Loan

Privacy policy

Last Updated: 09-22-2023

Agreement and Acknowledgment

This Service is operated by Luxeloan.net (hereinafter "Company"). This Privacy Policy is an Agreement between Company and You (hereinafter "You" and/or "Your") as the user of this Service and Company's products and services and governs how the Company uses the information collected as well as the protection of the personal information submitted by You to this Service. By accessing our website, you acknowledge that this site is for individuals who are over the legal age of 18 and individuals who are legal US citizens, you know about our marketing practices and agree with them. You have nothing against receiving advertisements, newsletters, marketing messages and other promotional materials from us.

Any questions regarding our Privacy Policy or information collection practices should be sent to us via email at contact@luxeloan.net

Notifications of Privacy Policy Changes

We reserve the right to revise, modify, update this Privacy Policy without further notice to its users. You should continue to review this Policy periodically to ensure that you are up-to-date and knowledgeable about any changes that are taking place.

What information we collect

We gather the following information from you, personally identifiable information and non-personally identifiable information.

1. Information knowingly provided by you through online forms, registration forms, surveys and/or other entries, such as your name, street address, e-mail address, telephone number (home, work and mobile), date of birth, Social Security Number, bank account information, information relating to monthly income, employment information, and other personal, financial or demographic information;

2. Cookies. As you navigate through and interact with this Website, we may use automatic data collection technologies ("Cookies") to collect certain information, including but not limited to, information about your equipment, browsing actions and patterns, operating system, internet connection and location data. The information we collect automatically may include personal information, and we may maintain it or compound it with personal information we collect in other ways or receive from third parties. Cookies help us improve this Website so we are able to deliver a better and more personalized experience by reducing unwanted information that you might otherwise receive

3. Information (user-specific or aggregate) concerning the pages our visitors access and referring URLs; and

4. The e-mail addresses of visitors who communicate with this site and Steady Cash via e-mail.

Please note: Submitting information to us is voluntary and we may also collect your personally identifiable information when you submit information at the Website but do not complete the full registration process.

How we use collected date

For the purposes of data usage, we use the information we collect to enhance your experience at our Website and to help us to offer content we determine may be of interest to you. We use your contact information to offer you promotional material from our partners. We may also use your personal, demographic, and profile data to improve our Website, conduct statistical analysis, and for marketing, promotional, editorial, or feedback purposes. Information collected by us may be added to our databases and used for future emails or postal mailings of products and services.

How we share your information

By providing your personally identifiable information, you allow us to process your request and connect you with a lender. That also means that we have the right to share this information with a third party because a lender cannot approve your loan without knowing anything about you.

Please note that lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score. We may share some of your data with our affiliates, partners and other accredited third parties for the purposes of business management, security, advertising, marketing, consumer behavior research, and consumer support improvement.

We reserve the right to share your information with another company that has acquired our business, a part of it, or fused with us. In case such a situation takes place, it's possible that we will inform you about these changes by email or with an announcement posted on our website. We may share your personally identifiable information if it is required by the law and is necessary to proceed with a legal process or to protect our rights.

By collecting and sharing your non-personally identifiable information with third parties, we improve our technical service, study behavior of our customers and gather web statistics important to the management of our business. We may share it with other third parties for these purposes.

Do not call Registry Compliance

It is every consumer's right to add his or her telephone number to the National Do Not Call Registry, which, in general, applies to any plan, program, or campaign to sell goods or services through interstate phone calls. However, a company may call a consumer with whom it has an established business relationship for up to eighteen (18) months after the consumer's last purchase, delivery or payment, and for up to three (3) months after the consumer submits an application or an inquiry to the company, even if the consumer's number has been added to the National Do Not Call Registry.

Luxeloan.net does not make outbound phone calls to consumers, and therefore does not maintain an internal do not call registry of its own. If you no longer wish to receive phone calls from a lender you got connected with, you will have to contact them directly and request that your telephone number be placed on their specific do not call list.

Data Retention and Security

We will retain your information for as long as needed to provide you with products and Services, and to comply with our accounting and legal obligations, resolve disputes, and enforce our agreements. Your Personal Information will be destroyed or permanently deleted as required by applicable law.

Luxeloan.net uses reasonable technical, physical, and administrative security measures to reduce the risk of loss, misuse, unauthorized access, disclosure, or modification of your information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your Personal Information, we cannot ensure or warrant the security or confidentiality of any Personal Information you transmit to us.

Links to Third-Party Websites

Our Website, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to request for a product such as a loan via Luxeloan.net, you may be linked to a third-party website to complete a request. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, requests, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties.

E-Consent

Please read carefully and acknowledge this important information which might help you for future reference.

By participating in this website and clicking the 'Request Now' button, you agree to provide your personal details to request to be in touch with our lender and you have received and reviewed this E-Consent Policy, and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ('Disclosures'). In the attempt of connecting you with the lender, the lenders need your consent to use and accept electronic signatures, records, and disclosures ('E-Consent').

Option for Paper or Non-Electronic Records.

Regarding the paper records, you can directly connect with the lender to request the Disclosures without any fee.

Scope of Consent.

Your provided information will be shared with participating lenders, third-party partners including advertisers, networks and others who may not provide financial solutions, the connection between you and the information-shared partners may be on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. There is no guarantee by the owner of this website about the approved loans. By exercising this E-Consent, these 3rd parties may process your information and interact during all online interactions with you electronically. They may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at your lender's website, if applicable, and may be provided by e-mail. See above for guidance on how to request paper copies.

Consenting to Do Business Electronically.

Prior to the final business decision with the lender, it is important for you to consider these two points below:

Conduct business electronically
Require hardware and software capabilities described as below.

Hardware and Software Requirements. To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:

Internet access with 128-bit encryption
Adobe Acrobat Reader 6 or higher
Ability to Print
Internet Explorer 8 or higher
Email Access
Firefox version 3.6 or higher

Your Ability to Access Disclosures.

By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.

Withdrawing Consent.

If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent with those lenders at any time, and at no charge. However, if you withdraw this E-Consent before being connected with a lender, you may be prevented from obtaining an offer as this consent is required, for this one time transaction, to facilitate the connection and to conduct business. Contact your lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.

Change to Your Contact Information. You should keep your lender informed of any change in either your electronic address or physical mailing address. Your lender will have specific instructions on how to update your contact information, if necessary. Please note that Luxeloan.net cannot update your information for you information for you.

California Rights - Shine the Light

Pursuant to Section 1798.83 of the California Civil Code, California residents who provide personal information in obtaining products or services for any purposes have the right to request and obtain from us about the customer information we shared with all partners including third parties. This information includes the names, addresses of those businesses.

All of our partners will be listed clearly in our Marketing Partners part, but if you have any request to obtain this information, please send an email message to contact@luxeloan.net with the subject line: “Request for California Rights to obtain information. Please note that only information covered by 'Shine the light' is shared in our response.

Opt-out Rights

We may collect information about you particularly your email address from sources other than you, such as from social media websites (i.e. Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.

If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.

Push Notifications

We may send push notifications or alerts to your device. We use push information to send you notifications related to offers. At any time, you can manage your push notification preferences or deactivate these notifications at any time by turning off the notifications in the browser settings of your device.

If there is something you would like to discuss with us related to the site, please contact us following the below contact details. If you have any questions regarding the loan request, please contact the lender directly.

Mailing Address: