Privacy Policy – The Lending Cow

Effective: February 26, 2018

This Privacy Policy (the “Policy”) applies to the TheLendingCow.com website (the “Website”). It tells users (“you”) of the Website and the services it provides about the information collected by the Website and how the Website uses and shares this information.

The Information TheLendingCow.com Information We Collect

TheLendingCow.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 of its websites.

Personally Identifiable Information

TheLendingCow.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 (a “Registration”) requesting a loan offer from a lender participating in TheLendingCow.com’s lender network (a “Lender Partner”) or by sending questions to TheLendingCow.com via the Website. The types of Personally Identifiable Information TheLendingCow.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 pay checks, and information about your banking account.

Non-Personally Identifiable Information

The types of non-Personally Identifiable Information that TheLendingCow.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 site visited by users of the site; information about the links that users may select to visit on the site. 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.

TheLendingCow.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

TheLendingCow.com may allow third parties, including advertising partners and personal loan lenders, 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. TheLendingCow.com does not provide Personally Identifiable Information to these third parties.

How We Use Personally Identifiable Information

TheLendingCow.com uses the Personally Identifiable Information you provide through the Website in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from TheLendingCow.com, Lender Partners, other third party lenders, TheLendingCow.com’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the website; enforce TheLendingCow.com’s terms and conditions, and perform any other functions otherwise described to you at the time TheLendingCow.com collects the information.

TheLendingCow.com may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom TheLendingCow.com has a business relationship. TheLendingCow.com may also review your financial information and social security number to verify your identify and protect against possible fraudulent transactions.

Sharing Your Personally Identifiable Information

TheLendingCow.com may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom TheLendingCow.com has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, TheLendingCow.com may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom TheLendingCow.com has a business relationship.

Any third parties with whom TheLendingCow.com shares Personally Identifiable 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 TheLendingCow.com has transferred or shared it with those third parties as described in this Policy or the TheLendingCow.com Terms and Conditions.

TheLendingCow.com will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. TheLendingCow.com will disclose your Personally Identifiable Information when TheLendingCow.com believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of TheLendingCow.com’s parent company, its employees, its website users, or others; or to enforce the Terms and Conditions or other agreements or policies.

In addition, TheLendingCow.com may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.

Links to Third Party Websites

TheLendingCow.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 site, you may be taken to a website that TheLendingCow.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 TheLendingCow.com with information about your use of those sites.

Changes

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 TheLendingCow.com’s sole and absolute discretion. Changes to this Policy will be posted on the Website and TheLendingCow.com will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the Website. If TheLendingCow.com makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, TheLendingCow.com will notify you by prominently posting notice of the changes on this website.

Children’s Privacy

The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. TheLendingCow.com does not knowingly collect Personally Identifiable Information from children under the age of 18.

Security

TheLendingCow.com has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information TheLendingCow.com collects online. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although TheLendingCow.com takes steps to secure your information, TheLendingCow.com does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

Accessing Your Personally Identifiable Information

If you would like to review and/or request changes to the Personally Identifiable Information that TheLendingCow.com has collected about you through your use of the Website, please contact TheLendingCow.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. Get Loans USA has elected the second option, and you may opt out by completing one or more forms on our Opt Out 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.

Contact

If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.

The Lending Cow
1125 E. Broadway #545
Glendale, California 91205

info@TheLendingCow.com

Repayment Terms
The lenders on our network offer flexible repayment terms in multiple installments. If you feel the need to pay off your online loans earlier, you may do so with out a penalty.
Our lenders give you as much as 72 months to repay your loan.
View Terms Below.
– Loan Period: 6 – 72 Months
– Application Fee: None
– Payment Frequency: Once or twice a month
– Prepayment Penalty: None
– Maximum APR: 4.99% – 35.99% (Varies by state according to each state’s usury laws, but will never exceed the maximum allowed rate for each state)

Representative Repayment Examples:
– If you borrow $10,000 over 60 months at a fixed rate of 3.1% APR with $60 in fees, the representative rate would be 3.3% APR, with monthly repayments of $180.80, for a total amount paid of $10,848.
– If you borrow $10,000 over 36 months at a fixed rate of 5.32% APR with $100 in fees, the representative rate would be 5.99% APR, with monthly repayments of $302, for a total amount paid of $10,872.
– If you borrow $10,000 over 60 months at a fixed rate of 7.69% APR with $500 in fees, the representative rate would be 9.88% APR, with monthly repayments of $201.28, for a total amount paid of $12,076.80.

Material disclosure

APR Disclosure. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs range from 4.99% to 35.99%, or to the discretion of the lender, and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $15,000. Not all lenders can provide up to $15,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Loan transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.

Exclusions. The services offered by this website might not be available in every state. The states serviced by this website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Consider seeking professional advice regarding your financial needs. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

†† When you check your rate, we check your credit report. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do another (hard) credit inquiry that will impact your credit score. If you take out a loan, repayment information will be reported to the credit bureaus.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.