PRIVACY POLICY
Thank you for visiting ACE Financial, LLC. This Privacy Policy outlines how we collect, use, and protect your personal information in connection with the financial services we offer, including lending, short-term advisory services, payment processing, lead generation, and debt sales. We are committed to protecting your privacy and ensuring the security of your personal information. By using our website and services, you consent to the practices described in this Privacy Policy.
1. Information We Collect
1.1 Personal Information: We may collect personal information from you when you voluntarily provide it to us during the registration, application, or account creation process. This may include your name, address, email address, phone number, social security number, financial information, and other similar information necessary for providing our financial services. We may also collect information from third-party sources to verify your identity and assess your creditworthiness.
1.2 Usage Information: We may automatically collect certain non-personal information about your interactions with our website and services. This may include your IP address, browser type, operating system, device information, browsing activities, and usage patterns. We use this information to improve our website functionality, enhance user experience, and optimize our services. We may also collect and analyze user behavior and preferences data to personalize your experience and provide tailored offerings.
2. Use of Personal Information
2.1 Provision of Services: We use your personal information to provide the financial services you request, including lending, short-term advisory services, payment processing, lead generation, and debt sales. This may involve sharing your information with trusted third-party service providers necessary to fulfill these services, such as lenders, payment processors, credit bureaus, and debt buyers. We ensure that these third-party providers maintain the confidentiality and security of your information.
2.2 Communication: We may use your personal information to communicate with you regarding your inquiries, transactions, and account activities. This includes providing important updates, notifications, and information related to the services you have requested. We may also send you promotional and marketing communications if you have opted to receive them. You can opt out of these communications at any time by following the instructions provided in the communication or contacting us directly.
2.3 Legal Obligations: We may use and disclose your personal information as required by applicable laws, regulations, legal processes, or governmental requests. We may also use and disclose your information to protect our rights, privacy, safety, or property, as well as the rights, privacy, safety, or property of our users or others. This includes cooperating with law enforcement authorities and regulatory agencies as necessary.
3. Information Sharing
3.1 Service Providers: We may share your personal information with trusted third-party service providers who assist us in delivering our financial services. These service providers include but are not limited to credit bureaus, payment processors, financial institutions, marketing partners, and debt buyers. We require these providers to implement appropriate security measures and use your information only for the intended purposes.
3.2 Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our business, your personal information may be transferred as part of the transaction. We will notify you via email or a prominent notice on our website of any change in ownership or use of your personal information, as well as provide you with choices regarding your information.
3.3 Legal Compliance and Protection: We may disclose your personal information if required to do so by law or if we believe in good faith that such disclosure is necessary to comply with legal obligations, protect our rights, prevent fraud or security issues, investigate potential violations, or enforce our policies. We may also share information with law enforcement authorities, regulators, or other authorized third parties when required or permitted by applicable laws and regulations.
4. Data Security
We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include physical, technical, and administrative safeguards to maintain the confidentiality and integrity of your information. We regularly review and update our security practices to adapt to technological advancements and industry best practices. Despite our best efforts, no data transmission or storage system can be guaranteed to be 100% secure. Therefore, we cannot warrant the absolute security of your information.
5. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our website, analyze usage patterns, and customize content and advertisements. Cookies are small text files that are stored on your device when you visit our website. They help us recognize your browser and remember certain information. You have the option to manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our website.
6. Third-Party Websites and Services
Our website may contain links to third-party websites or services that are not under our control. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of those third parties before providing any personal information. Additionally, we may integrate third-party services, such as social media platforms, into our website or services. These services may have their own privacy policies, and your interactions with them are governed by those policies.
7. Your Rights and Choices
You have certain rights and choices regarding your personal information. You can access, update, and correct inaccuracies in your personal information by logging into your account or contacting us directly. You may also have the right to request the deletion of your personal information, restrict its processing, or object to certain processing activities. Please note that some of these rights may be subject to legal limitations and exceptions.
8. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our website or sending you a notification. We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your personal information.
9. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us using the information provided below:
We will respond to your inquiries and requests as soon as reasonably possible.
Last Modified 05/31/2023
