Privacy Policy

 
Effective date 02 November 2020

This Privacy Policy is applicable to you when using the Cash Panda Loans ® website (hereinafter “Service”) or loan connection service (hereinafter “Service”).

This Service is operated by Sivetech limited ® (hereinafter “Company”). This Privacy Policy is an Agreement between Company and You (hereinafter “You” and/or “Your”) as the user of this Service and Company’s products and services and governs how the Company uses the information collected as well as the protection of the personal information submitted by You to this Service.

 
Collected Information

This Service collects “personally identifiable information” and “non-personally identifiable information” from You.

 
Acknowledgement and Agreement

The Service is not intended for use by any individuals under the age of 18 or those who are not legal residents of the United States. By using this Service you agree to accept the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, or if you are not 18 years of age or older and a valid resident of the United States please do not use this Service.

Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy.

 
Modifications or Amendments

This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.

 
Third-Party Links. 

This Service and Website may contain links to third-party websites, which may have independent privacy policies that be different from our own. We are not responsible, nor do we approve, any of the activities and practices that take place on third-party websites. Accordingly, we advise that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.

 
Information We are Collecting

We collect and combine numerous items of Personally Identifiable Information (hereinafter “PII”) and Non-Personally Identifiable Information (hereinafter “Non-PII”) through various sources, including those discussed below.

PII. In the course of using this Service, we collect PII that could identify you such as your name, email address, DOB, mailing address, phone number, social security number, driver’s license number, bank information, employment history, information related to your income, and credit.

Non-PII. We also collect other information i.e. Non-PII, that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, date and time stamp of visit, device type, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for keeping you up to date with our Services, advertising, and other purposes.

 
How your Information is being Collected

Information You Provide. We collect personal information that you willingly provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided by you online, via typing and submitting our form, an online phone, over the phone, electronic communication, or via other means in which you interact with our Services.

Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.

Other Tracking Technologies including Information from Cookies. The Service uses cookies, web beacons, and other Tech means track the use of our Website, to record your preferences, and collect information. This information may include browser type, IP addresses, referring pages, internet service provider (ISP), operating system, date, and time stamp of visit, and/or click data.

 
How We Use Your Information.

We use the information collected during your interaction with this Service as well as the information that you willingly provide to us. We may use the collected information to (a) help deliver the products and Services you requested, (b) personalize your user experience; (c) communicate with you about services or products that may be of interest to you; (d) to communicate with you via email, mail, text message/SMS, telephone, or otherwise even if your number appears on a do-not-call list or other similar registry; (e) to provide to third-party lenders or financial institutions for the purpose of determining eligibility for specific products (f) improve customer service; (g) improve our Website and Service; (h) for business purposes, such as research, analytics, operational purposes and advertising and marketing; (i) to comply with law enforcement and maintain the security of our Website; and (j) to perform any other functions otherwise disclosed when you provide us with your information.

 
How Do We Share Your Information.

Consent to Receiving Communication. By willingly providing and submitting your information on our form or otherwise using our website and the Service you opt-in to receive communications (a) from us the Company; (b) one of our third-party Network Partners with; and (c) third parties who provide services on our behalf, text message/SMS service providers, email marketing service providers, or other parties who assist us in operating our Service, conducting our business, or serving our users.

Consent to Share Your Information. In filling and/or submitting the form or using the Services, you agree that the Company may share your information about you or provided by you with lenders and other third parties which provide services to our users (collectively, “Network Partners”) to deliver the services and products you requested. These Network Partners include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in their network.

Other Circumstances We Share Your Information. We may also be required to share your information (a) pursuant to a subpoena, legal process, court order, and/or government or regulatory request, (b) when we believe disclosure is needed in order to prevent, investigate, or take action regarding suspected or actual illegal activity or other wrongdoing, to protect and defend the rights, safety property, or of our Business, our users, or our employees, or to enforce our Services’ terms and conditions or other agreements of policies; (c) as part of a sale, acquisition or merger, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (d) with third parties that is not personally identifying, a non-PII, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

 
Analytics & Advertising.

We may work with third parties that collect analytical information about your use of our website and Service and other websites over time for non-advertising purposes. We use Hot Jar, Stat Counter Google Analytics, and other third-party services to improve the performance of our Service and Website and for both analytics and marketing purposes.

We may also partner with advertiser service providers and other advertising networks (collectively, “Advertising Providers”) that serve ads on our behalf and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on the information Advertising Providers collect about your use of our Service via our website as well as other sites or apps over time, this includes information about relationships among different browsers and devices.

 
How do We Protect Your Information.

By entering and navigating through this Service and Website, you hereby acknowledge and agree that the Company may retain your information indefinitely. Note: any transmission of personal information is at your own risk.

We do our best to protect your information security. We use generally accepted industry standards to protect the security of your personal information and encrypt all information as well as sensitive. We protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol. Although we strive to provide state of the art industry accepted security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through our Service.

We accept No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the security and confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by humans cannot be made absolutely 100% secure. Consequently, the Company shall not be liable for any unauthorized disclosure of personal information due to its fault or no fault of the Company including, but not limited to, errors in transmission and unauthorized acts of third parties.

 
Consent to Communicate.

When you submit your personal information via this Service, you are providing your express consent to be contacted via email, telephone, postal mail, or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request here or optout@cashpandaloans.com. You may also exercise your opt-out request through physical mail at: CashPandaLoans, 515 E Las Olas Boulevard, Suite 120, Fort Lauderdale, FL, 33301.

GLB Act

For purposes of compliance with the Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the “GLB Act”), this Privacy Policy shall serve as both Your initial customer relationship and annual “Privacy Notice” as defined under the GLB Act. If You would like to opt-out from the disclosure of Your personal information to any third-party for marketing purposes, please visit here, enter your email address and click the submit button then confirm your entry. Or just Send us an Email to optout@cashpandaloans.com.

 
PATRIOT ACT

Section 326 of the USA PATRIOT ACT requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities. While the Company is not a financial institution, lenders we work with are financial institutions. What this means to you: when you submit information to the Service, we will ask for your name, physical address, mailing address, date of birth, and other information that will allow us to identify you. This information will be passed on to the lender that you are connected with on our Service.

 
Minors

The Company and our Service does not knowingly collect personal information from children under the age of 18. No information is knowingly collected from children or used for any purpose whatsoever, including marketing and promotional purposes. If a parent or guardian is made aware that a child under the age of 18 has provided us with personally identifying information through any point of contact, please contact us Here, and at the email address: support@cashpandaloans.com, and we will delete the information about the child referenced from our files.

 
Cookies

A cookie is a piece of data stored on the user’s hard drive, or internet browser containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our Service. If a user rejects the cookie, they may still use our Service; however, without cookies the user may not have access to certain features on our Service. Cookies can also enable us to track and target the interests of our users to enhance the experience on our Service. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information you provide.

Some of our business partners use cookies on our Service (for example, advertisers). However, we have no access to or control over these cookies once set on our Service.

 
For California Residents

On September 27, 2013, A.B. 370 was signed into law, amending the California Online Privacy Protection Act to require operators of commercial websites like this Service to disclose: (A) How the Company responds to “Do Not Track” signals; and (B) Whether third parties collect personally identifiable information (PII) about users when they visit the Service.

The Company does not engage in the collection of personally identifiable information (PII) about an individual consumer’s online activities over time and across third-party Web sites or online services. The Company does not honor “do not track” signals. Users who chose to use “do not track” signals will still have access to our Service. The Company does not permit third parties to collect PII about an individual user’s online activities over time and across different Web sites when the user uses our Service.

 
Your Rights Under the CCPA

This Privacy Notice for California Residents applies solely to all visitors, users, and others who reside in the State of California.

The California Consumer Privacy Act (“CCPA”) grants State of California residents the following rights to:

The Categories of Personal Information the Company Collects

Loan Amount, Email Address, First and Last Name, Telephone Number, Full Birth Date, Military Affiliation, Social Security number, Driver’s License, Driver’s license state, Internet Protocol (IP) Address, Home Phone Number, Loan Purpose, Home Owner, Full Home Address, Own/rent home (Residence Status), Time In Residence, Monthly Mortgage or Rent Payments, Available Co-signer, Income Source, Job Title, Employer Name, Work Phone Number, Time with Employer, Monthly Income, Pay Period and Paycheck Type, Bank Account Type, Routing Number, Bank Account Number, Bank Name, Time with Bank, Credit Score, Declaration of Bankruptcy, Cookies, Domain name, Browser Type and Version, Operating System, Usage Data, Visit Frequency, Referring Affiliate Information, Referring Ad information, Time on Site, Source URL, Redirect URL.

The Business Purpose for Which the Information Is Used By The Company

Regarding any personal information the Company may sell or disclose to a third party for a business purpose, you have the right to know:

The categories of personal information about you that the Company sold, the categories of third parties to whom the personal information was sold and the categories of personal information that we disclosed about you for a business purpose.

The Company will share information with Service Providers such as lenders and Network Partners to fulfil the loan request process. The Company may also share information with other financial service providers, debt relief providers, and other marketers whose services we believe may be of interest to you. To opt-out of this sharing, please enter your email in this link: Opt-Out.

Know Whether Your Personal Information is Being Collected

You have the right to know what personal information is being collected including:

  • The business purpose for collecting or selling personal information;
  • The categories of sources from which the personal information is collected;
  • The categories of third parties with whom the company share personal information, if any

You have the right to request the specific categories of Information the company collects upon verifiable request.

To request this information please submit a verifiable consumer request to us by contacting us at Contact Us page on our website.

Please note: We are not required to:

  • Provide the personal information to you more than twice in a 12-month period.
  • Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
  • Reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information; or

Say No to The Sale of Personal Information

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the sale or disclosure of your personal information. If you exercise your right to opt-out of the sale or disclosure of your personal information, we will refrain from selling your PII, unless you subsequently provide express authorization for the sale of your personal information. To opt-out of the sale [or disclosure] of your personal information, click on this: Opt-Out link.

Deletion of Your Personal Information

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will:

  • Delete your personal information from our records; and
  • Direct any service providers to delete your personal information from their records.

Please note that we may not delete your personal information if it is necessary to:

  • Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
  • Debug to identify and repair errors that impair existing intended functionality;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
  • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
  • Comply with the California Electronic Communications Privacy Act;
  • Comply with an existing legal obligation; or
  • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

To request this information please submit a verifiable consumer request to us by either:

Contacting us on our website by clicking here: Contact Us page

Non-Discrimination

The Company will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Provide you a different level or quality of goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, the Company may offer you certain financial incentives permitted by the CCPA that can result in different rates, prices, or quality levels. Any CCPA-permitted financial incentive the company offers will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time.

 

The Company understands the importance of protecting users personal information and the proper use of their personal information. It is the Company policy to not send unsolicited e-mails to users and we hope the following information will eliminate any concerns that you may have regarding Our practices of consumers’ personal information.

The Company and its Service use only an “opt-in or opt-out” method of obtaining customer information. All personal information from consumers is obtained voluntarily from the consumer. We obtain personal information from third parties that follow the same set of policies.

Contact Information

Questions concerns or comments regarding this Privacy Policy or any other aspects regarding privacy can be directed via our contact us page or via certified mail: Cash Panda Loans, 515 E Las Olas Boulevard, Suite 120, Fort Lauderdale, FL, 33301.