The Loan Tracker respects your privacy. This Privacy Policy explains how The Loan Tracker collects and uses personal information collected from you, through (i) our publicly available websites, (ii) The Loan Tracker products, including web and mobile, and other add-on applications and other related services (together the “Services”), (iii) third parties, and (iv) interactions you have with our employees or affiliates.
This Privacy Policy covers the information practices of our websites, including how The Loan Tracker collects, uses, shares and secures the personal information you provide.Personal data is any data about an identified or identifiable natural person, or any information that in combination with other non-personal information can reasonably be used to identify a natural person.The Loan Tracker’s websites may contain links to other websites and applications over which The Loan Tracker does not have control. Such links do not constitute an endorsement by The Loan Tracker and The Loan Tracker does not control the content or privacy policies or practices of such sites. Any access to and use of such linked websites is governed by the privacy policies of those third parties’ websites. You may be able to connect your third-party email account (such as Gmail) to your The Loan Tracker account. If you enable that connection, The Loan Tracker will access your messages, contacts, and settings to provide the requested Services to you.
The type of information we collect from you depends upon the type of interactions you have with our websites and Services, including the context of your interactions with The Loan Tracker, the choices you make (including privacy settings) as well as the Services you use.
You may choose to give us personal information directly in a variety of situations, such as if you request to receive information or a service from The Loan Tracker, if you apply for a job via our job application portal, or if you do business with us as a supplier or partner.
We may also collect information relating to your use of our websites and our Services through the use of various technologies. For example, when you visit our websites, we may log certain information that your browser sends, such as your IP address, browser type and language, access time, and referring web site addresses. We may collect information about the pages you view within our websites and other actions you take while visiting us. In addition, some of our Services include technologies that allow us to collect certain information about product use.
We may also collect information that pertains to you indirectly through other sources, such as vendors. When we do so, we ask the vendors to confirm that the information was legally acquired and that we have the right to obtain it from them and use it.
We collect and use your data principally for the following purposes:
We may link or combine information we collect from multiple sources to provide better service to you and to improve our Services.
In order to market our products and services, we subscribe to lead generation services, which provide us with email addresses to which we may send marketing emails. We require such providers to comply with applicable data privacy laws.
In general, your provision of any personal data or granting of consent to a processing activity is entirely voluntary. However, there are certain circumstances in which The Loan Tracker cannot take action without processing certain personal data, for example to process your orders, or to assist you with use of our Services, or to provide access to a web offering or newsletter. In these cases, it will not be possible for The Loan Tracker to provide what you request without the relevant personal information. In some circumstances, The Loan Tracker may need to terminate your ability to use the Services without access to your personal data. The Loan Tracker intends to notify you of whether such communication or data sharing is deemed mandatory and the impact of not sharing.
The Loan Tracker is a global organization with business processes, management structures and technical systems that cross borders. As such, we may share data about you with other The Loan Tracker entities and transfer it to countries in the world where we do business in connection with the uses identified in this Privacy Policy. Our procedures are designed to provide a globally consistent level of protection for personal information by all The Loan Tracker entities.
In some cases we use suppliers located in various countries to collect, use, analyze, and otherwise process information on our behalf. We may also use subcontractors which provide services to us in connection with providing our Services to you. We put in place contractual safeguards for the protection of your personal data with such suppliers, including obligations for processing in line with applicable legal requirements.
We may also disclose your personal information to other business partners. Unless otherwise specified in this Privacy Policy, we will only do so with your consent. We do not in any event sell or lease any of your personal information.
Where you post information to our wikis, forums, blogs, message boards, chat rooms, websites or other social networking environments, your information will be shared with audiences within those platforms.
We may share your personal data based on a good faith belief that such disclosure is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, or situations involving potential threats to the safety of any person. We may use your personal data as evidence in litigation in which we are involved, to protect the rights or safety of any person or entity, to respond to a judicial process or valid government inquiry or as otherwise required by law.
We do not sell your personal information.
If you choose to provide us with information, including personal data, you understand that we are storing this and/or transferring it to The Loan Tracker’s locations and systems in the United States or to the locations and systems of The Loan Tracker’s affiliates or service providers around the world. The Loan Tracker complies with applicable law when transferring your personal information outside of the country there the information is collected. For data originating from a European Union member state, The Loan Tracker uses a variety of data transfer mechanisms (including standard contractual clauses) for this purpose.
The duration of processing of your personal data depends on the legal basis for the processing.
The Loan Tracker’s policy is to retain personal data no longer than (a) is necessary to fulfil the purposes for which the personal data is processed, (b) if processing is based on consent, until you withdraw your consent, or (c) if processing is based on a legitimate interest of The Loan Tracker, until you object to such processing.
However, we will store personal data for a longer period where (a) we are required by law to retain your personal data or (b) your personal data is required for The Loan Tracker to assert or defend against legal claims. In this event, we will retain your personal data until the end of the relevant retention period or until the claims in question have been settled.
You can contact us directly (as set forth below) to update your personal data.
Access, correction, deletion of personal data; Your right to be forgotten: You can request at any time the personal data The Loan Tracker holds about you and the correction or deletion of such personal data. The Loan Tracker can only delete your personal data if there is no statutory obligation or prevailing right of The Loan Tracker to retain it. In addition, if you request deletion of your personal data you will not be able to continue to use any The Loan Tracker Services that require the use of your personal data.
Request personal data in a portable format: If The Loan Tracker uses your personal data based on your consent or to perform a contract with you, you may further request from The Loan Tracker a copy of the personal data in a portable format that you have provided to The Loan Tracker and where processing is carried out by automated means.
Restriction of processing and right to object: You can also request that The Loan Tracker restrict (without deleting) further processing of your personal data: (i) if you state that your personal data is incorrect, for as long as we need to verify the accuracy of the personal data, (ii) if there is no legal basis for The Loan Tracker to process your personal data and you demand that The Loan Tracker restricts your personal data from further processing instead of deleting it, (iii) if The Loan Tracker no longer needs your personal data but you as data subject claim that you require The Loan Tracker to retain such data in order to establish, exercise or defend a legal claim.
If you believe that The Loan Tracker is not processing your personal data in accordance with the requirements set out herein or applicable data protection laws, you can at any time lodge a complaint with the relevant supervisory authority.
The Loan Tracker recognizes the privacy interests of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. The Loan Tracker’s websites are not intended for children under the age of 16 and The Loan Tracker does not target our websites to children under 16. Also, The Loan Tracker’s policy is to not knowingly collect personal data from children under the age of 16.
a. Where The Loan Tracker uses your personal data based on law
The Loan Tracker is permitted to process your personal data under applicable data protection law as follows:
Providing the requested information or services. If you request information on our Services, order our Services or become our business partner, we typically ask you to provide your personal contact information such as name, business email address, business telephone number, company name and address, job title, role and, if payment is to be made to The Loan Tracker, financial and billing information, such as billing name and address, tax identification number, credit card information, bank details or other payment information. We collect and use these types of personal data only to process your order or to provide the requested Service. Specifically, this includes: taking the necessary steps prior to entering into a contract, confirming your opening of an account, responding to your inquiries, processing or providing customer feedback and support, providing you with billing or shipping information, sending you (i) notice of payments, (ii) information about changes to our Services, (iii) other related notices and (iv) disclosures as required by law.
If you participate in tutorials and trainings or use learning tools provided by The Loan Tracker we may also ask you about your professional qualifications, relevant experience and education. The Loan Tracker may also track your learning progress in order to make this information available to you.
Ensuring compliance. The Loan Tracker and its Services are subject to the export laws of various countries including, without limitation, those of the European Union and its member states, and of the United States of America. You acknowledge that, pursuant to the applicable export laws, trade sanctions, and embargoes issued by these countries, The Loan Tracker is required to take measures to prevent entities, organizations, and parties listed on government-issued sanctioned-party lists from accessing certain products, technologies, and services through The Loan Tracker’s websites or other delivery channels controlled by The Loan Tracker. The Loan Tracker’s compliance may include (i) automated checks of any user registration data as set out herein and other information a user provides about his or her identity against applicable sanctioned-party lists; (ii) regular repetition of such checks whenever a sanctioned-party list is updated or when a user updates his or her information; (iii) blocking of access to The Loan Tracker’s Services in case of a potential match; and (iv) contacting a user to confirm his or her identity in case of a potential match.
General Business Relationship Communications.
The Loan Tracker communicates on a regular basis by email with users of our Services. For resolving partner, customer or user complaints or enquire into suspicious transactions we may also communicate by phone.
Generally, users cannot opt out of these communications, which are not marketing-related but required for the relevant business relationship. With regard to marketing-related communication by phone or e-mail, The Loan Tracker will (i) if legally required, only provide you with such communications after you have opted in, and (ii) provide you the opportunity to opt out if you do not want to receive further marketing-related types of communication from us.
b. Where The Loan Tracker uses your Personal Data based on The Loan Tracker’s legitimate interest
In addition to the use cases under applicable law, the use cases below constitute a legitimate interest of The Loan Tracker to process or use your personal data. If you do not agree with this approach, you may object to The Loan Tracker’s processing or use of your personal data as set out below under the ‘right to object” heading.
Questionnaires and surveys. The Loan Tracker may invite you to participate in questionnaires and surveys. These questionnaires and surveys are generally designed in a way that they can be answered without any personal data. If you nonetheless enter personal data in a questionnaire or survey, The Loan Tracker may use such personal data to improve its Services.
Usage Data. In the course of providing our Services to you, we may collect, use, process and store usage data such as number of sessions, users, number of sessions, number of users, page views, number of page views per sessions, average session duration, bounce rate, percentage of new sessions, language of user, country, city, new versus returning users, browser type, operating system, internet service provider, IP address, screen resolution size, Service used, Service version number and mobile device brand. The usage data is collected and processed in order to create and compile anonymized, aggregated datasets and/or statistics about the Services for the following purposes: (a) to maintain and improve the performance and integrity of our Services, (b) to understand which Services are most commonly deployed and preferred by customers and how customers interact with our Services, (c) to identify the types of Services that may require additional maintenance or support, and (d) to comply with regulatory, legislative and/or contractual requirements. Please note that such aggregated datasets and statistics will not enable you or any living individual to be identified. For more details on the usage data collected please refer to our Cookie Policy.
Critical Control Software. Our relationship management product also includes critical control software that regularly transmits certain usage data (including potential personal data such as IP address, number of records accessed, operating system, PHP version utilized on company server, time zone, number of subscription users) to us and, if applicable, an authorized partner, to verify compliance with contract terms and to improve the Services. For more details on the usage data collected please refer to our Cookie Policy.
Relationship Intelligence Products. In the course of providing relationship intelligence products (which includes The Loan Tracker Hint) to you, we may collect supplemental usage data. Supplemental usage data includes without limitation IP address, company identifier, browser type, browser language and locale, operating system, device type, date and time of request, user id, and the person or company name being looked up by the relationship intelligence product. The supplemental usage data may be used for the following purposes: (a) provide you with better service, more detailed and higher quality returned data, support service troubleshooting and performance improvement, and (b) understand usage patterns and frequency. Supplemental usage data will not be shared with third parties except for lookup parameters which may be provided to third party content providers in order for the content providers to provide the enriched data response and which they may retain for optimizing their services. Any lookup data will be handled by us as a data processor on behalf of our customers.
Product and company news/request feedback. If we have an existing business with you, The Loan Tracker may inform you about our products or services (including webinars, seminars or events) which are similar or relate to such products and services you have already purchased or used from The Loan Tracker. Furthermore, where you have attended a webinar, seminar or event of The Loan Tracker or purchased products or services from The Loan Tracker, The Loan Tracker may contact you for feedback regarding the improvement of the relevant webinar, seminar, event, product or service.
Personal data transferred in an acquisition. If we are acquired by or merged with another entity, if all or part of our assets are acquired, or in response to a bankruptcy proceeding, we may transfer your information to the acquiring entity for purposes that are similar to those for which it was originally acquired.
Data received from The Loan Tracker entities. Our global entities may enter business contact details of prospects (such as name, company, title, company address, e-mail and phone number) which have expressed an interest in receiving information about The Loan Tracker and our Services into The Loan Tracker’s customer relation management system.
Data received from third parties. Our business partners may register leads with us in which they provide business contact details of prospects (such as name, company, title, company address, e-mail and phone number) which have expressed an interest in receiving information about The Loan Tracker and our Services. We may also use such personal data to assist our business partners in responding to your request.
We also may receive personal data from third parties such as marketing or advertising companies organizers of events that provide us with such information as a part of their relationship with us. Such data could include contact details (such as name, company, title, company address, e-mail and phone number) and we use that information for evaluating a potential business relationship with you or for combining the information with personal data that we may have already collected about you.
c. Where The Loan Tracker uses your personal data based on your consent
In addition to the use cases under applicable law and legitimate interests set forth above, The Loan Tracker may use your personal data after you have granted your consent in the following use cases.
News about The Loan Tracker’s Products and Services. Where you have granted your consent, we may use your name, email address, telephone number, job title and basic information about your employer (name, address, and industry) in order to keep you up-to-date on the latest product announcements, software updates, software upgrades, special offers, and other information about The Loan Tracker’s Services and events (including marketing-related newsletters).
Events. If you register for a The Loan Tracker event, seminar, or webinar, we may share basic participant information (typically your name, company, title, and email address) with other participants of the same event, seminar, or webinar for the purpose of communication and the exchange of ideas with your consent. We may also ask you to consent to sharing your participant information with sponsors of that event.
In addition, we may also ask for information about special dietary requirements or other health/impairment information in connection with the registration for and provision of access to an event or seminar. Any such information is voluntary. We may not be able to take any respective precautions if you choose not to provide such information.
Employment application. If you apply for a job (eg via our website), we may require you to submit additional personal information as well as a resume or curriculum vitae and other information. We encourage you to limit the personal data to the information necessary to enable us to evaluate your suitability for the position you are applying for.
Forums and social media. You have the option to participate in blogs, forums and social media networks which may be offered by The Loan Tracker or linked to our websites. If you choose to participate, you are required to register and create a user profile. User profiles provide the option to display personal information about you to other users, including but not limited to your name, photo, social media accounts, postal address, email address, telephone number, personal interests, skills, and basic information about your company. All of the information that you post will be available to all visitors to our websites. The Loan Tracker is not responsible for the personal information you choose to submit in these forums. You are not permitted to provide any personal information about other data subjects in those forums and blogs, and we also encourage you to limit any personal information about yourself to a minimum.
If you use our websites, we may use various website navigation information including tracking technologies such as cookies and web beacons to collect and store information from you. Website navigation information includes: standard information from your Web browser (such as browser type and browser language), language choices, time zone, your Internet Protocol (IP) address, actions you take on our websites, URL and page metadata, installation data (such as the operating system type and application version), system crash information, system activity and hardware settings. We may also automatically collect and store certain information in activity logs such as: details of how you use our websites, your search queries, and your IP address.
We reserve the right to change, modify, add or remove portions of this Privacy Policy from time to time and in our sole discretion. Our policy is to alert you that changes have been made by indicating on the Privacy Policy the date it was last updated.