Privacy Policy

Talkuments (“We”) use several technologies to record and store information on the Website that are designed to address several objectives, with one being enhancing the manner in which we protect the privacy of information inputted on the Website by Applicants. Some of these technologies include:

  • pixel tags,
  • web beacons,
  • clear GIFs,
  • Flash objects,
  • IP Address.

Aggregated and De-identified Data

Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to information inputted into the Website by Lenders and Applicants. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

Updates to this Privacy Statement

This Privacy statement is subject to change without prior notice. Please review it periodically. If changes are made to this Privacy statement, it will be labelled as revised and any such changes shall be effective immediately upon being posted on the Website. Use of the Website following these changes means that revised Statement is accepted and may be applied retroactively to data inputted into the Website prior to the effective date of the revised Notice.

What Information Do We Collect?

Non-Personal Information

When you visit the Website, we collect the IP address of the device used to connect to the Internet. In addition, we gather information such as what browser and which version of it you’re using, the type of operating system you have, and which site you came from. This information helps us provide an online experience that matches your device. When you browse the Website, we may use cookies and/or pixel tags to collect information. Cookies are widely used and most browsers are set up to accept them automatically. If you would prefer, you can choose to not accept cookies.

Personal Information

In addition to the extensive information which Lenders (selected by you) will collect on you, we may also gather personal information that you provide to us such as your name, and lender loan number. Collecting this personal information enables us to offer you online experiences that help you with your financial needs. For example, we collect personal information when you are

answering loan knowledgequestions and answering attestation questions related toyour loanapplication andwe gather information related to where you go onthe Website, the FAQ’s you frequent and the videos you watch and the qualityofyour experience while visiting the Website.We intend touse and sharewithothers this information for business purposes to the extent permitted byapplicablelaw.

The Website is a general audience site andwe do not knowinglycollect personal information fromchildren under the ageof 13.

You can choose not to provide us with certain information, butthatmay result inthe inabilitytosuccessfully apply for a loan.

Tothe extent you providePII in any public forum, it is at your ownrisk.

Federal and state regulations may require storageof completed loan requests for various periodsof time. In order to complywith these requirements,your information may not be removed from Website-related databases until theexpiration of the applicable period.

How We ProtectPII

We take industry standardsecurity measures (including physical, electronic and procedural measures) tohelp safeguardPII from unauthorized access and disclosure. In addition to the restrictions outlinedabove, we require employees to complywith information securitysafeguards,we use encryption in thetransmissionofyourPII betweenyour system andours, and we use firewalls to help preventunauthorized persons from gaining accessto yourPII. Importantly, twoweeks after your loan request isclosed, withdrawn or denied, PII information is purged fromour system.

No systemcan be completely secure.Therefore, although we take steps to secure your information, wedo not promise, andyou should not expect,thatyourPII, searchesor other communications will alwaysremain secure. Users should alsotake care with how they handle and disclose their PII.Please refer tothe Federal Trade Commission’s website for information about how to protectyourself against identitytheft.

No Rights of Third Parties

ThisPrivacy Policydoesnotcreaterights enforceable bythirdparties or require disclosure of any PIIrelating to users of our websites.

How to Contact Us

If you have any questions about this PrivacyPolicy or our information-handling practices, or if youwouldlike to request informationaboutour disclosureof personal informationto thirdparties for their directmarketing purposes, please contact us bye-mail or postal mail as follows: