“Personal information” is information that can both identify and be associated with a particular person. Personal information does not include information that is anonymous or aggregated. It also does not include information that cannot be associated with or be used to identify a particular person.
Information we process may be transferred to, stored, and processed in, the United States or any other country in which Finlocker or its affiliates, subsidiaries, or service providers maintain operations. By using and providing personal information to us through the Sites or Service, you agree and consent to the transfer, storage, and processing of your personal information to any such country in order to operate and provide the Sites and Services.
Our Sites and Services are not intended for children under the age of 13 or if you are not of legal age to form a binding contract with us. We do not knowingly collect personal information from these individuals. If you use the Sites or Services, you hereby represent and warrant that you are at least 13 years of age. In compliance with the Children’s Online Privacy Protection Act, any personal information we receive from users we believe to be under the age of 13 will be purged from our database.
We collect information from you in several different ways:
If you are browsing the Sites without registering an account or affirmatively providing personal information to us, you do so anonymously.
Our Sites has the ability to collect two types of information from and about you: (1) information that you provide that may be used to personally and specifically identify or contact you, or personal information; and (2) information that does not personally identify you, or non-personal information. In addition to the personal financial information that you may provide, we may collect the following categories of personal information about you through the Sites, including but not limited to:
We may collect the following categories of non-personal information about you through the Sites, including, but not limited to:
We will not, without your permission, sell, publish or share your personal information.
We use the personal information you enter into our Sites to produce results you ask for, like financial information gathering, reports on how you spend your money, and more. Here are some examples of how we might use your personal information:
Our Services allow you to provide, and grant access to, your financial and personal information to third parties, such as your lender, other providers of services and products that you may be interested in, and family members that you authorize to receive such information (“Authorized Third Parties”). Authorized Third Parties can receive your personal information in two ways. First, using our Services, you can select what information you want us to provide to an Authorized Third Party. Second, you can grant Authorized Third Parties direct access to your personal information we possess through options you select within the Services. All the information we provide to an Authorized Third Party or that an Authorized Third Party directly accesses from us will be in their possession and generally becomes part of their “file” or “loan file” on you. While we control the provision of and access to your personal information we possess, we do not control how an Authorized Third Party uses your personal information once in their possession. Your personal information in the possession of an Authorized Third Party, and their use of that information including how long such information is retained, will be governed by the privacy policies and other applicable policies of that Authorized Third Party. You acknowledge and agree that you will not authorize FinLocker to share your information with any Authorized Third Party if such Authorized Third Party is a credit repair service, bankruptcy attorney, or lending group.
In addition, an Authorized Third Party is typically permitted to share your personal information (such as your loan file) with other third parties, such as third parties who are affiliated, transacting or working with, or otherwise providing services on behalf of a Third Party Partner (“Other Third Parties”). Authorized Third Parties may also be permitted to share or delegate to the Other Third Party their access to your personal information we possess. While we control the provision of and access to your personal information we possess, we do not control how Other Third Parties use your personal information once in their possession. Your personal information in the possession of Other Third Parties, and their use of that information including how long such information is retained, will be governed by the privacy policies and other applicable policies of that party. You acknowledge and agree that terminating access to your personal information we possess before our Services or the services being provided by the Authorized Third Party or Other Third Party are complete may mean our Services or the other services may be interrupted or may not be completely provided to you.
– For the Services. In addition to disclosures of your information that may occur as part of your use described above, we may disclose your personal information to our parent, subsidiary, third parties and other related companies, including, but not limited to, our partners, vendors, consultants and professional advisors, trusted affiliates, independent contractors and business partners who will use the information only as necessary for them to perform or provide the Services and for the specific purposes for which the information was collected. For example, if we have a co-brand partner and you access the Service as brought to you by one of those partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.
– As legally required. We reserve the right, in our sole discretion, to share or disclose your personal information with law enforcement, government officials, and other third parties:
Additionally, we may share or make available anonymous or aggregate information that cannot be used to identify you individually with:
We take the security of your information seriously. We use technical and administrative security measures, such as but not limited to, firewalls, encryption techniques, and authentication procedures, among others, designed to maintain the security of your online session, the information we store, and the information we share with others.
You should be aware that your information is transmitted across the Internet and that no method of transmission over the Internet is 100% secure. You also need to take appropriate steps to protect your information. Your information may be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to or from us. Please be advised that we cannot and do not ensure, represent, guarantee or warrant the security of any information you disclose or transmit to us online and are not responsible for the theft, destruction, or inadvertent disclosure of your personal information.
We may offer a number of separate products and services offered by third parties advertised to you on our Sites and through the Service. These third party offers may be complementary to your use of the Sites and may be personalized based on information you provide to us, we have collected about you, queries made through the Sites, or other information.
We may offer bulletin boards, blogs, chat rooms, message boards, or similar public forums (collectively referred to as “Forums”) where you can communicate with us or other users. Any information that you submit or post to these Forums or other forums could be viewed by other viewers or may otherwise be publicly available. We strongly discourage posting of personal information to these Forums or other forums. If you choose to post personal information, other viewers may use this information to send you unsolicited messages. We are not responsible for the personal information you choose to submit in these Forums and other forums.
The following sets out how we may use different categories of cookies and your options for managing cookie settings:
|Type of Cookies||Description||Managing Settings|
|Required cookies||Required cookies enable you to navigate our Site and use its features, such as accessing secure areas of our Site and using our services.
|Because required cookies are essential to operating our Site, there is no option to opt out of these cookies.|
|Performance cookies||These cookies collect information about how you use our Site, including which pages you go to most often and if they receive error messages from certain pages. These cookies do not collect information that individually identifies you. All information these cookies collect is aggregated and anonymous. It is only used to improve how our Site functions and performs.
From time-to-time, we may engage third parties to track and analyze usage and volume statistical information from individuals who visit our Site.
|To learn how to opt out of performance cookies using your browser settings click here.|
|Functionality cookies||Functionality cookies allow our Site to remember information you have entered or choices you make (such as your username, language, or your region) and provide enhanced, more personal features. These cookies also enable you to optimize your use of our Site after logging in. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customize.||To learn how to opt out of functionality cookies using your browser settings click here.|
– Do Not Track notices. Without an industry or legal standard of interpreting Do Not Track Signals (“DNT”) sent to us by your browser, we do not respond to DNT signals at this time. To learn more about how DNT works, please visit http://allaboutdnt.com/.
Our Site may contain links to third-party websites and services that are not owned or controlled by us. We are not responsible for the privacy practices or the content of third party websites, services, and advertisements, and you visit them at your own risk.
California Civil Code Section 1798.83 permits users that are residents of California to request certain information regarding our disclosures of personal information to third parties for such third parties’ direct marketing purposes. If you are a California resident and would like to make such a request, please email us at email@example.com or write FinLocker, LLC at 168 N. Meramec Ave, Suite 250, St. Louis, Missouri 63105.
If you have an account on our Site, to the extent we are legally required, we provide access to – and ability to edit or delete your personal information at any time via the Site or Service.
If you would like to access, amend or erase personal information collected via our Site, you may also submit a request to:
We will promptly review all such requests in accordance with applicable laws. In the event you remove your personal information from the Site, you may not be able to receive all Services provided thereunder or receive benefits from third parties that you previously provided access to this information.
We may send periodic Sites related alerts, weekly summaries, notifications, newsletters, promotions, or other information via email, SMS, or mobile device notifications. You may choose to stop receiving alerts, notifications, summaries, newsletters, and promotions by indicating your preference in your account profile or settings. You may also follow the unsubscribe instructions in the email you receive. Please note that certain Services-related messages that we send are necessary for the proper functioning and use of the Services and you may not have the ability to opt-out of those messages.
We reserve the right to retain any personal information as long as the personal information is needed to:
168 N. Meramec Ave, Suite 250
St. Louis, Missouri 63105
© 2019, FinLocker, LLC or its affiliates. All product names, logos, and brands are the property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, logos, and brands does not imply endorsement.