Through this Web Site, we collect Information about you in order to provide you with certain marketing and loan information services and materials on behalf of our Affiliates and/or Clients.
"Affiliates" are companies that are related to us by common ownership or affiliated with us by common control.
"Clients" means certain online and offline non-affiliated third parties (companies that are not owned or controlled by us) with which we do business.
"Demographic Information" is information that we may collect from you online about your date of birth, lifestyle, education, occupation, hobbies, interests, marital status, gender, income, dwelling type, value and ownership, automobile type, value and ownership, buying behavior, bankruptcy history, mortgage and other loan and financial obligations, or other similar types of information.
"Information" means both Demographic Information and Personal Identity Information.
"Personal Identity Information" is information that we may collect from you at the Web Site that identifies who you are and how to contact you, such as, first and last name (middle initial and suffix, as applicable), email address, and mailing address.
"Service Provider" means our vendors and other third parties that provide services to us, including LeadPoint.
"We" or "we" means Equifax Direct Marketing Solutions LLC ("DMS") and the businesses we operate. DMS is a separate business entity from the Equifax credit reporting agency.
We collect the Information that you voluntarily provide to us through the Web Site during the loan information request process. We only collect Information from you that you voluntarily provide during this process and we do not collect any information about you from third parties during this process. We use cookie technology, independently or through our service providers, as described below.
How We Use the Information We Collect About You
We may use your Information as follows:
We also may use the Information we collect in a combined and anonymous manner to give us Demographic Information about all of the loan information request participants. We use this to better understand the loan information request participants and to improve our offerings to you.
We may share the Information we collect with our Clients and Service Providers for various business purposes, including sales and marketing purposes. This may result in our Clients sending email solicitations and other marketing communications to you. We may disclose Information to non-affiliated third parties as permitted by law. We may also disclose any of the Information we collect, as described above, to our Affiliates, and such Affiliates will use your Information for the purposes outlined above.
You can make changes to your Personal Identity Information at any time by submitting your request using our "Contact Us" form. Click to open form.
A cookie is a piece of text information that a web server may transfer to the hard drive of your computer through your web browser when you visit a web site. Cookies are commonly used on web sites to improve your experience and to enable systems to recognize your browser. Some cookies last only through a single visit (session cookie); other may have an expiration date; still others may remain on your computer until you delete them (persistent cookie). Only the information that you provide, or the choices you make while visiting a web site can be stored in a cookie. For example, the web site cannot determine your e-mail address unless you choose to type it.
For example, cookies:
You can decide if and how your computer will accept a cookie by establishing your preferences in your web browser. Please understand that, if you choose to reject cookies, you may not be able to use certain of our online services or Web Site features. Internet Explorer is set up to allow the creation of cookies; however, you can specify that you be prompted before a web site puts a cookie on your hard disk, so you can choose to allow or disallow the cookie; or you can prevent Internet Explorer from accepting any cookies. You can specify different settings for different security zones. For example, you might want to allow web sites to create cookies if they are in your trusted sites or local intranet zone, prompt you before creating cookies if they are in your Internet zone and never allow cookies if they are in your restricted sites zone.
The Web Site is intended for use by adults only. We comply with the Children's Online Privacy Protection Act and do not knowingly solicit or collect information from children.
We make every effort to preserve the privacy of your Information. However, it is possible, in rare instances, that your personal data might need to be disclosed, if required by law and if we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order, or a legal process served on our website.