The Loan Navigator - ChooseYourPath.online

Effective Date: SEPTEMBER 2024

At ChooseYourPath.online ("we," "us," or "our"), we value your privacy and are committed to protecting the personal information you provide while using our website, ChooseYourPath.online (the "Site"). This Privacy Policy explains how we collect, use, share, and protect your personal information, and describes your rights and choices regarding your information.

By using our Site and submitting your information, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use our Site.

1. Information We Collect

We may collect the following types of information from you:

Personal Information: Information you provide directly when filling out forms, including but not limited to:
- Name
- Email address
- Phone number
- Physical address
- Information related to the service you are seeking (e.g., home services, repairs, etc.)
Automatically Collected Information: Information collected automatically through cookies, web beacons, and other tracking technologies, including:
- IP address
- Browser type and version
- Device type
- Pages visited and time spent on the Site
- Referring URLs
Credit Information (Soft Pull):
For every lead submission, we conduct a soft credit pull. A soft credit pull is a credit inquiry that does not impact your credit score. This inquiry allows us and our Our Marketing Partners to evaluate your creditworthiness to provide relevant offers and services. No hard inquiry will be made, and your credit score will remain unaffected.
Mobile Number Verification:
We verify your mobile number using an SMS verification system, such as Twilio, to confirm your identity and prevent fraud. By providing your phone number, you consent to receive SMS messages for verification purposes. You are responsible for any fees related to SMS messages, including standard message and data rates charged by your mobile service provider.

2. How We Use Your Information

We use the information we collect for the following purposes:

To provide and improve our services
To sell the information you provide as leads to third-party service providers ("Marketing Partners")
To perform a soft credit pull on every lead submitted, allowing Marketing Partners to assess your eligibility for certain services without impacting your credit score
To verify your mobile number via SMS to ensure the integrity of your lead submission
To communicate with you regarding inquiries or offers related to our services
To comply with legal obligations and regulations
To enforce our Terms and Conditions
For marketing and promotional purposes, including sending you promotional emails and communications, subject to your opt-out rights

3. How We Share Your Information

We may share your personal information with the following parties:

Third-Party Marketing Partners: We sell your information as leads to Marketing Partners, who may contact you to offer services that you requested or related services.
Credit Reporting Agencies: A soft credit pull will be conducted for every lead submission to assist Marketing Partners in assessing your creditworthiness. This soft inquiry will not affect your credit score.
Service Providers: We may share information with third-party vendors and service providers (e.g., Twilio) who assist in operating our Site, performing SMS verification, and providing services to you.
Legal Obligations: We may disclose your information when required by law, such as to comply with a subpoena, government inquiry, or other legal process.
Business Transfers: In the event of a merger, acquisition, or sale of our assets, your information may be transferred to the successor organization.

4. Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your browsing experience, improve our services, and understand how you use our Site.

Cookies: Small data files stored on your device that help us remember your preferences and actions on our Site.
Web Beacons: Small graphic images embedded in emails or web pages that allow us to track whether you have opened or interacted with specific content.

You can adjust your browser settings to refuse cookies, but doing so may affect the functionality of our Site.

5. Your Rights and Choices

California Consumer Privacy Act (CCPA) Rights:

If you are a California resident, you have the following rights under the CCPA:

Right to Know: Request information about the personal data we have collected and how we have used and shared it.
Right to Delete: Request that we delete the personal data we have collected from you, subject to certain exceptions.
Right to Opt-Out: Opt-out of the sale of your personal information to third parties. To opt-out, please visit our Do Not Sell My Personal Information page.

To exercise any of these rights, you may contact us here or submit a request through our CCPA Rights Page.

Opt-Out of Marketing Communications:

You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in the email or contacting us here.

6. How We Protect Your Information

We use industry-standard security measures to protect the personal information we collect. However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

7. Third-Party Links and Websites

Our Site may contain links to third-party websites. This Privacy Policy applies only to information collected on our Site. We are not responsible for the privacy practices or content of third-party sites, and we encourage you to read their privacy policies before providing any personal information.

8. Children’s Privacy

Our services are not directed to children under the age of 13, and we do not knowingly collect or sell personal information from children under 13. If we become aware that we have collected personal information from a child under the age of 13, we will take steps to delete such information.

9. Do Not Track Signals

Some browsers may transmit "Do Not Track" (DNT) signals. We do not currently respond to DNT signals, as there is no industry consensus on how to handle them. However, you may use your browser settings to manage tracking preferences.

10. Telephone Consumer Protection Act (TCPA) Compliance

By providing your phone number on our Site, you consent to receive communications from us and our Marketing Partners, including marketing calls and text messages, which may be made using automated systems or prerecorded messages. You can revoke your consent by opting out of future communications as provided in each message or by contacting us here. You are responsible for any messaging fees or data charges that may apply.

11. CAN-SPAM Act and California Anti-Spam Law Compliance

We comply with the CAN-SPAM Act and California Anti-Spam Law in our email communications. If you receive an email from us that you no longer wish to receive, you may unsubscribe by following the instructions included in the email.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will post the updated policy on this page and update the "Effective Date" above. Your continued use of the Site after any changes constitutes your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy, the information we collect, or your rights, please contact us at:

Email: [email protected]
Phone: +1 (888) 435-0550
Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101

Introduction

At ChooseYourPath.online transparency and trust are fundamental to our business. To provide you with a clear understanding of our relationships with advertisers and third-party service providers, we have prepared this Advertising Disclosures page. This page explains how advertising works on our Site and in communications with you, ensuring full compliance with the Federal Trade Commission (FTC) guidelines.

1. Sponsored Content and Advertisements

ChooseYourPath.online may feature sponsored content, advertisements, and links on our website, in emails, and through other communication methods. Sponsored content or advertisements may be in the form of text, images, banners, or hyperlinks that promote third-party services or products. In some cases, we may be compensated by third parties in exchange for placing their ads or sponsored content on our Site.

When applicable, we will clearly label or disclose sponsored content or paid advertisements using terms such as "Sponsored," "Ad," or "Advertisement" to differentiate it from our editorial content.

2. Affiliate Links

Some links on our Site may be affiliate links. This means that if you click on an affiliate link and make a purchase or take certain actions, we may earn a commission or referral fee. The price you pay will not change because of the affiliate relationship.

Affiliate links are used to support the operation of our business and are disclosed in accordance with FTC guidelines. We strive to provide you with valuable content while being transparent about our partnerships with affiliate programs.

3. Lead Sales and Third-Party Advertisers

ChooseYourPath.online sells the information you provide through forms on our Site as leads to third-party service providers ("Marketing Partners"). These Marketing Partners may contact you to offer services related to your inquiry or other related services.

In some cases, we are compensated when a third-party advertiser purchases your information as a lead or when you engage with their services. While we aim to connect you with reputable providers, ChooseYourPath.online does not endorse any specific third-party provider and is not responsible for the quality, reliability, or accuracy of the services provided by those Marketing Partners.

4. No Endorsement

The inclusion of third-party advertisements, affiliate links, or sponsored content on our Site does not constitute an endorsement or recommendation by ChooseYourPath.online. We do not guarantee the accuracy or reliability of the information provided by advertisers or affiliate partners. It is your responsibility to evaluate the services and offers before making a purchase or engaging with third-party service providers.

5. Native Advertising

In some cases, advertisements on our Site may be integrated into our content in a manner that resembles editorial content. This type of advertising is known as native advertising. When native advertising is used, we will clearly label the content as sponsored to comply with FTC guidelines and to ensure transparency for our users.

6. Compensation Disclosure

As required by law, we disclose that we may receive monetary compensation or other benefits from advertisers, affiliates, or third-party service providers in connection with sponsored content, affiliate links, or lead generation activities. The compensation received may influence the placement or prominence of the content on our Site, but it does not influence our commitment to providing valuable, relevant content for our users.

7. Changes to This Policy

We may update this Advertising Disclosures page from time to time to reflect changes in our advertising practices or legal requirements. When we do, we will post the updated policy on this page and revise the "Effective Date" at the top of the page.

8. Contact Us

If you have any questions about our advertising practices or this Advertising Disclosures page, please contact us at:

Email: [email protected]
Phone: +1 (888) 435-0550
Mailing Address: 421 Broadway, Unit #520, San Diego, CA 92101