Funding District Privacy Policy

While information is crucial to our ability to provide superior service, our most important asset is our customers’ trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for all of us at Funding District.  Here then, is our promise to our individual customers:

1. We will safeguard, according to strict standards of security and confidentiality, any information our customers share with us.
2. We will limit the collection and use of customer information to the minimum we require to deliver superior service to our customers, which includes advising our customers about our products, services and other opportunities, and to administer our business.
3. We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our Privacy Policy will be subject to our normal disciplinary process.
4. We will not reveal customer information to any external organization unless we have previously informed the customer in disclosures or agreements, been authorized by the customer, or are required by law.
5. We will always maintain control over the confidentiality of our customer information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any customer information unless the customer has specifically expressed interest in their products or services.
6. We will tell customers in plain language, how they may remove their names from marketing lists. At any time, customers can contact us to remove their names from such lists.
7. Whenever we hire other organizations to provide support services, we will require them to conform to our policy standards and to allow us to audit them for compliance.
8. For purposes of credit reporting, verification and risk management, we will exchange information about our customers with reputable reference sources and clearinghouse services.
9. We will attempt to keep customer files complete, up to date, and accurate. We will tell our customers how and where to conveniently access their account information (except when we’re prohibited by law), and how to notify us about errors which we will promptly correct.

We will continuously assess ourselves to ensure that customer privacy is respected. We will conduct our business in a manner that fulfills our promise in the many nations in which we do business.

FundingDistrict.com Internet Privacy Policy

This disclosure is intended to explain how personally identifiable information (”Information”) that is collected through this web site may later be disclosed.

Categories of personally identifiable information collected on FundingDistrict.com.
If you simply register to use the web site, FundingDistrict.com may collect basic Information about you, such as name, e-mail address, zip code, age and income range. Certain other Information about you is also collected that can be used to verify your identity if your log on credentials for the site are forgotten.

If you apply to become a customer of a Funding District affiliate, that affiliate may collect additional Information about you, including Information you provide on applications and other forms, Information about your transactions with such affiliate or nonaffiliated third parties, Information received from a consumer reporting agency and Information received about you from other sources.

The FundingDistrict.com site uses “cookie” technology. A cookie is a piece of information which a web server may place on your computer when you visit a web site. For additional information about how FundingDistrict.com uses cookies, please read our FundingDistrict.com Online Data Policy.

Categories of third party entities with whom Information may be shared.
Information collected by a Funding District affiliate through FundingDistrict.com may be shared with several types of entities, including other affiliates among the family of companies controlled by Funding District Inc, as well as non-affiliated third parties, such as financial services providers and non-financial organizations, such as companies engaged in direct marketing.

Review and request changes to Information.
Information that non-customers provide to FundingDistrict.com can be accessed at the web site and changed. To access and/or change Information provided through FundingDistrict.com to an affiliate in an online application or otherwise through the web site, depending on the type of Information, you may be able to contact such affiliate to request a copy of the Information by logging on and sending an electronic message to such affiliate through the “my account” section of the site, logging on to the web site operated by the affiliate that maintains your account, through the customer service telephone numbers on your account statement or by visiting a financial center.  To protect your privacy, proof of identity or other authentication is required when making such requests.

Notice of changes.
From time to time, we may change this Internet Privacy Policy. The effective date of this policy, as stated below, indicates the last time this policy was revised or materially changed. Checking the effective date below allows you to determine whether there have been changes since the last time you reviewed the policy.

Effective Date.
This policy was last modified September 12, 2008.

FundingDistrict.com Online Data Policy

This explains our cookie policy and online data gathering information practices when you visit FundingDistrict.com. This Online Data Policy may be modified in our sole discretion at any time by changing the notice you see here. This Online Data Policy is consistent with and remains subject to Funding District’s Privacy Policy.

Unless otherwise specified, the following terms do not apply to any other web site, even if such web site(s) are accessible through FundingDistrict.com.

Cookies

A cookie is a piece of information which a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

How We Use Cookies

We use cookies for a number of purposes – for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a username or encrypted customer identification number so that you do not have to provide this information every time you return to our site.

Our cookies will track only your activity relating to our online promotions, which may be located at our web site or the web sites of others, and your online activity on our web site. They will not track your other internet activity. Cookies set by us cannot be read by and are not shared with any non-Funding District web site.  Our cookies typically do not gather personally identifiable information.

Cookie Filters

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online services or web site features.

Your browser software may contain a feature which is intended to notify you of the cookie policies of the various web sites you visit. For example, the Microsoft® Internet Explorer 6 browser software contained in Microsoft® Windows® XP contains a version of such a cookie-filtering device, commonly known as P3P. To learn more about P3P and how it may affect your online experience go to www.w3.org/P3P. Funding District has attempted to make FundingDistrict.com compatible with the P3P privacy filtering tool. However, P3P is still an evolving standard and therefore, we are not responsible for any problems you may experience when using a P3P filter, or any discrepancies between the machine-coded statements of our privacy policy which are read by the P3P tool and the human readable policy which you see here and in the Funding District Privacy Policy. This Online Data Policy and the Funding District Privacy Policy are the controlling documents to which you should refer if you have questions about Funding District ’s privacy policies.

Cookies of Other Companies

We occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we will also use another company to operate web servers for our sites. We use the cookie information gathered by these companies in the same manner as stated in the previous section. The companies we use may not use these cookies for their own internal purposes or share the information gathered with anyone other than Funding District, in accordance with the terms of the contracts they have signed with us.

Because of the way in which P3P works, these companies must provide their own human-readable and machine-coded privacy statements regarding the cookies they set for us, or the web sites they operate for us. Because, as explained above, P3P is still an evolving standard, we are not responsible for the accuracy of such statements, any discrepancies between another company’s machine-coded and human readable statements or any problems you may experience when using a P3P filtering tool.

General Website Practices

In addition to the information we collect from cookies, we also obtain information which you provide to us online – for example, when you use our tools and calculators or when you submit an application or otherwise communicate with us. In some cases, we retain both the cookie information and/or the information you provide to us online – for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases – for example, when you use our tools and calculators – we only retain the cookie and/or online information you give us if you request us to do so for your use in subsequent sessions.

Our information sharing practices with affiliates and outside companies is the same with respect to data collected both online and offline, and is governed by Funding District’s Privacy Policy.