• RESCUE ONE WEB SITE PRIVACY POLICY
    This policy applies to anyone who visits www.R1Lending.com

    PRIVACY POLICY

    Rescue One Lending is committed to protecting the privacy of your personal information. This Privacy Policy outlines how Rescue One Lending collects, uses and protects such information.

    1. Web Sites Covered

    This Privacy Policy covers the information practices of www.R1Lending.com. When sites are posted by Rescue One Lending, the site will link to this Privacy Policy, and this Privacy Policy applies. When sites are posted by third parties, the Privacy Policy of the third party applies, and this Privacy Policy does not apply.

    www.R1Lending.com may contain links to other Web sites, including other Rescue One Lending Web sites. This Privacy Policy applies only to information collected on www.R1Lending.com and does not govern the information practices or the content of such other Web sites. Rescue One Lending encourages you to review the Privacy Policies of other Web sites to understand their information practices.

    2. Collection and Use of Personal Information

    Rescue One Lending will collect your personal information if you decide to check your rate or to apply for one of our loan products. You will be asked to provide contact information, such as name, address, phone number, email address and similar information. We will also ask for financial information such as bank account information and income information. We may use your contact information to send you information while we process your loan application. We may also use your contact information to provide you with information about other Rescue One Lending products and services.

    Providing your personal information is entirely optional.

    Rescue One Lending does not disclose any personally identifiable information about consumers to anyone, except as permitted or required by law. For example, personally identifiable information about a user may be used or shared to comply with any law, regulation, audit or court order. In the event that our business or substantially all of the assets of the business are acquired, personally identifiable information may be one of the transferred assets.

    3. Web Site Navigational Information

    Rescue One Lending uses commonly used information-gathering tools, such as cookies, to collect information as users navigate www.R1Lending.com (“Web Site Navigational Information”). This section describes the types of Web Site Navigational Information Rescue One Lending may collect and how Rescue One Lending may use this information.

    Cookies

    Rescue One Lending uses cookies to make interactions with the Web site easy and meaningful. When a user visits the Web site, Rescue One Lending’s servers send a cookie to the user’s computer. Standing alone, cookies do not personally identify you. They merely recognize your web browser. Unless you choose to identify yourself to Rescue One Lending, either by responding to a promotional offer, opening an account, or filling out a web form (such as a “Contact Me” web form), you remain anonymous to Rescue One Lending.

    There are two types of cookies: session-based and persistent-based. Session cookies exist only during one session. They disappear from your computer when you close your browser software or turn off your computer. Persistent cookies remain on your computer after you close your browser or turn off your computer.

    If you have chosen to identify yourself to Rescue One Lending, Rescue One Lending uses session cookies containing encrypted information to allow Rescue One Lending to uniquely identify you. Each time you log into the Web site, a session cookie containing an encrypted, unique identifier that is tied to your account is placed in your browser. These session cookies allow Rescue One Lending to uniquely identify you when you are logged into the Web site and to process your online transactions and requests. Session cookies are required to use the Web site.

    Rescue One Lending uses persistent cookies that only Rescue One Lending can read and use to identify browsers that have previously visited Rescue One Lending’s Web site. When you access the Web site or provide Rescue One Lending with personal information, a unique identifier is assigned to you. This unique identifier is associated with a persistent cookie that Rescue One Lending places on your web browser. Rescue One Lending is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, Rescue One Lending does not store account numbers or passwords in persistent cookies. If you disable your web browser’s ability to accept cookies, you will be able to navigate Rescue One Lending’s Web site, but you will not be able to successfully use the Web site.

    Web Beacons

    Rescue One Lending uses web beacons alone or in conjunction with cookies to compile information about users’ usage of the Web site. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Web site tied to the web beacon, and a description of a Web site tied to the web beacon. For example, Rescue One Lending may place web beacons in marketing e-mails that notify Rescue One Lending when you click on a link in the e-mail that directs you to one of Rescue One Lending’s Web sites. Rescue One Lending uses web beacons to operate and improve the Company’s Web sites and e-mail communications. Rescue One Lending may use information from web beacons in combination with data about users to provide you with information about Rescue One Lending.

    IP Addresses

    When you visit the Web site, Rescue One Lending collects your Internet Protocol (“IP”) addresses to track and aggregate non-personally identifiable information. For example, Rescue One Lending uses IP addresses to monitor the regions from which users navigate the Web site.

    Third-Party Cookies

    From time-to-time, Rescue One Lending engages third parties to track and analyze non-personally identifiable usage and volume statistical information from individuals who visit the Web site. Rescue One Lending may also use other third-party cookies to track the performance of Rescue One Lending advertisements. The information provided to third parties does not include personal information, but this information may be re-associated with personal information after Rescue One Lending receives it. This Privacy Policy does not cover the use of third-party cookies.

    4. Sharing of Information Collected

    Rescue One Lending may share Data about Rescue One Lending Customers with Rescue One Lending’s agents to ensure the quality of information provided. Rescue One Lending does not share, sell, rent, or trade personally identifiable information with third parties for their promotional purposes.

    Rescue One Lending reserves the right to disclose personally identifiable information provided by users if required by law or if Rescue One Lending reasonably believes that disclosure is necessary to protect Rescue One Lending’s rights and/or to comply with a judicial proceeding, court order, or legal process.

    5. Do Not Track

    Rescue One Lending does not process or respond to “do not track” signals or other similar mechanisms.

    6. Security

    Rescue One Lending is committed to protecting the confidentiality of your information and online transactions. We maintain physical, electronic and procedural safeguards designed to protect your personal information. We have security procedures in place to safeguard against loss, theft, unauthorized access, destruction, misuse, and modification of this information after we receive it. For example, Rescue One Lending restricts access to the information to our employees, agents and contractors who need to know such information to provide products or services to you.

    7. Personal Information on Children

    Rescue One Lending products are intended for use by individuals who are at least 18 years old. If you are under the age of 18, you should not be visiting www.R1Lending.com. We do not knowingly collect or retain personal information from children under the age of 18. If you are under the age of 18 and are visiting or otherwise using R1Lending.com, you are advised not to disclose or provide any personally identifiable information on www.R1Lending.com.

    8. If You Access From Outside the United States

    If you reside outside the United States, you understand and agree that any information you provide to Rescue One Lending will be transferred from the country of your residence or location at the time it was provided to the United States. If you do not want your personally identifiable information to be transferred to the United States, do not provide that information to us. By providing us with your information, you consent to the transfer of your information to the United States.

    9. Changes to this Privacy Policy

    Rescue One Lending reserves the right to change this Privacy Policy at any time. You will not be given any notice to these modifications. Your continued use of the Web site after any changes are posted will be deemed to constitute your agreement to and acceptance of such changes to this Privacy Policy.

    10. Contacting Us

    Questions regarding this Privacy Policy or the information practices of Rescue One Lending’s Web site should be directed to Rescue One Lending at customercare@r1lending.com or 888-337-3728.

    GRAMM LEACH BLILEY PRIVACY NOTICE
    This privacy notice applies to anyone who submits a credit application to Rescue One Lending.

    FACTS WHAT DOES RESCUE ONE LENDING DO
    WITH YOUR PERSONAL INFORMATION?

    Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

    What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

    • Social Security number and income
    • account balances and payment history
    • credit history and credit scores

    When you are no longer our customer, we continue to share your information as described in this notice.

    How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Rescue One Lending chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal information Does Rescue One Lending share? Can you limit this sharing?
    For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
    For our marketing purposes – to offer our products and services to you Yes No
    For joint marketing with other financial companies Yes No
    For our affiliates’ everyday business purposes – information about your transactions and experiences No We don’t share
    For our affiliates’ everyday business purposes – information about your creditworthiness No We don’t share
    For our affiliates to market to you No We don’t share
    For nonaffiliates to market to you No We don’t share

    Questions? Call 888-354-9108

    Who we are
    Who is providing this notice? Rescue One Lending Inc.

    What we do
    How does Rescue One Lending protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
    How does Rescue One Lending collect my personal information? We collect your personal information, for example, when you

    • apply for a loan or give us your contact information
    • pay your bills or provide employment information
    • give us your income information

    We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

    Why can’t I limit all sharing? Federal law gives you the right to limit only

    • sharing for affiliates’ everyday business purposes-information about your creditworthiness
    • affiliates from using your information to market to you
    • sharing for nonaffiliates to market to you

    State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law

    What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

    Definitions
    Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

    • Rescue One Lending does not share with our affiliates.
    Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

    • Rescue One Lending does not share with nonaffiliates so they can market to you
    Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

    • Our joint marketing partners include lenders and other financial companies.

    Other important information
    California Residents Only: California residents have additional rights to limit sharing. Please see the enclosed “Important Privacy Choices for Consumers” notice provided to you describing your right to control the sharing.