simplepathfinancial.com


PRIVACY POLICY

SIMPLE PATH FINANCIAL WEB SITE PRIVACY POLICY

This policy applies to anyone who visits www.SimplePathFinancial.com

PRIVACY POLICY
Simple Path Financial is committed to protecting the privacy of your personal information. This Privacy Policy outlines how Simple Path Financial collects, uses and protects such information.


1. Web Sites Covered
This Privacy Policy covers the information practices of www.SimplePathFinancial.com. When sites are posted by Simple Path Financial, 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.SimplePathFinancial.com may contain links to other Web sites, including other Simple Path Financial Web sites. This Privacy Policy applies only to information collected on www.SimplePathFinancial.com and does not govern the information practices or the content of such other Web sites. Simple Path Financial encourages you to review the Privacy Policies of other Web sites to understand their information practices.


2. Collection and Use of Personal Information
Simple Path Financial 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 Simple Path Financial products and services.


Providing your personal information is entirely optional.


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


Cookies
Simple Path Financial uses cookies to make interactions with the Web site easy and meaningful. When a user visits the Web site, Simple Path Financial’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 Simple Path Financial, 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 Simple Path Financial.


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 Simple Path Financial, Simple Path Financial uses session cookies containing encrypted information to allow Simple Path Financial 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 Simple Path Financial 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.


Simple Path Financial uses persistent cookies that only Simple Path Financial can read and use to identify browsers that have previously visited Simple Path Financial’s Web site. When you access the Web site or provide Simple Path Financial with personal information, a unique identifier is assigned to you. This unique identifier is associated with a persistent cookie that Simple Path Financial places on your web browser. Simple Path Financial is especially careful about the security and confidentiality of the information stored in persistent cookies. For example, Simple Path Financial 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 Simple Path Financial’s Web site, but you will not be able to successfully use the Web site.


Web Beacons
Simple Path Financial 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, Simple Path Financial may place web beacons in marketing e-mails that notify Simple Path Financial when you click on a link in the e-mail that directs you to one of Simple Path Financial’s Web sites. Simple Path Financial uses web beacons to operate and improve the Company's Web sites and e-mail communications. Simple Path Financial may use information from web beacons in combination with data about users to provide you with information about Simple Path Financial.


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


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


4. Sharing of Information Collected
Simple Path Financial may share Data about Simple Path Financial Customers with Simple Path Financial’s agents to ensure the quality of information provided. Simple Path Financial does not share, sell, rent or trade personally identifiable information with third parties for their promotional purposes.


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


5. Do Not Track
Simple Path Financial does not process or respond to “do not track” signals or other similar mechanisms.


6. Security
Simple Path Financial 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, Simple Path Financial 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
Simple Path Financial 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 SimplePathFinancial.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 SimplePathFinancial.com, you are advised not to disclose or provide any personally identifiable information on SimplePathFinancial.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 Simple Path Financial 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
Simple Path Financial 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 Simple Path Financial’s Web site should be directed to Simple Path Financial at info@simplepathfinancial.com or (888) 799-0856 .


Effective Date:  May 1, 2018


GRAMM LEACH BLILEY PRIVACY NOTICE

This privacy notice applies to anyone who submits a credit application to Simple Path Financial.

Rev. May 2018



FACTS
WHAT DOES SIMPLE PATH FINANCIAL 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 transaction history
* employment information and credit scores

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 Simple Path Financial chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information

Does Simple Path
Financial share?

Can you limit
this sharing?


For our everyday business purposes--
Yes
No

For our marketing purposes--
Yes
No

For joint marketing with other financial companies
Yes
No

For our affiliates' everyday business purposes--
Yes
No

For our affiliates' everyday business purposes--
Yes
Yes

For our affiliates to market to you
Yes
Yes

For nonaffiliates to market to you
Yes
Yes

To limit our sharing


Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent in this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.


Questions?

Who we are


Who is providing this notice?

Simple Path Financial LLC

What we do


How does Simple Path Financial 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 Simple Path Financial collect my personal information?

We collect your personal information, for example, when you

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


Nonaffiliates

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


Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Other important information


California Residents Only:
California residents have additional rights to limit sharing. Please see the enclosed “Important Privacy Choices for Consumers” and “Consent Acknowledgment” notices provided to you describing your right to control the sharing.

Texas Residents Only:
Simple Path Financial is licensed and examined under the laws of the State of Texas and by state law is subject to regulatory oversight by the Office of Consumer Credit Commissioner. Any consumer wishing to file a complaint against Simple Path Financial should contact the Office of Consumer Credit Commissioner through one of the means indicated below: In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Telephone No.: (800) 538-1579. Fax No.: (512) 936-7610. E-mail: consumer.complaints@occc.state.tx.us. Website: www.occc.state.tx.us.

Vermont Residents Only:
Vermont is an "opt in" state; not an "opt out" state. Non-public personal financial information will not be shared with others unless the Vermont consumer specifically consents to the disclosure. In addition, Vermont law prohibits the sharing of credit reports and/or creditworthiness information with affiliates unless the consumer has consented to ("opted-in") to such sharing.


For our California Customers - Download our privacy policy form