Consent to Electronic Communications (E-Consent)
Please read this information carefully and print a copy and/or retain this information for future reference. Introduction. You are submitting a request to be connected with one of our third-party advertisers or lenders, collectively “third parties.” In order to attempt to connect you with an advertiser that may offer you a loan, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information to our website, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records
You may request any Disclosures in paper copy by contacting the third party lender directly. If you are connected with a lender who may attempt to offer you a loan, that lender will provide paper copies at no charge. The third parties will retain all Disclosures as applicable law requires.
Scope of Consent
This E-Consent applies to all interactions online concerning you and the third party and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party advertiser may process your information and interact during all online interactions with you electronically. The advertiser may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party advertisers websites, and may be provided by e-mail.
Consenting to Do Business Electronically
Before you decide to do business electronically with the third party advertiser, you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements
To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 256-BIT encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party advertisers.
Your E-Consent for our connecting service and for our third-party advertisers’ consideration of your connecting request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third-party, you are free to withdraw your E-Consent with those third-parties at any time and at no charge. However, if you withdraw this E-Consent before receiving and offer a loan you may be prevented from obtaining an offer from the advertiser. Contract the third-party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.
Change to Your Contact Information
You should keep third party advertisers informed of any change in your electronic address or mailing address. You may update such information by logging into the third party advertiser’s website or by sending the lender a written update by mail.
Your Ability to Access Disclosures
By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.
Consent to SMS, Text & Push Notifications
If a mobile number is provided, we may text you information about your request form.
tooprecioustolose.org.au does not charge to send or receive text messages as part of our request form process. However, message and data rates may apply. Please consult with your wireless carrier for applicable text messaging fees.
Once your mobile device has been activated, you may reply STOP to tooprecioustolose.org.au to opt-out of the service. We will only send you updates on the status of your request form. To request additional information, text HELP to the message you receive.
Supported mobile service providers may include, but are not limited to: Alltel (part of Verizon), Appalachian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless.
Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you. You agree to provide a valid mobile phone number for these services. You further agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys’ fee) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. SMS Statement Notification is provided for your convenience only.
About Us and Our Purpose
We operate, own and maintain tooprecioustolose.org.au and may be referred to as ‘company’, ‘us’, ‘our’, ‘we’, ‘site’ or ‘website’ throughout this document and website. Through the use of this site, we also operate a database of prospective customers, which is known as the ‘service’. To promote this site and add to our database, we utilize any number of third parties, affiliates and media advertisements.
When you submit your information to tooprecioustolose.org.au, your name and information is automatically added to our contact list. By providing such information, you are agreeing to receive communications from tooprecioustolose.org.au via telephone, email or text message unless you choose to opt out of one or all of these communication methods. It is also possible that marketing agencies who are business partners of tooprecioustolose.org.au may contact you via these same means. You will only receive these contacts for as long as you agree to them.
If you choose to opt out of communications from tooprecioustolose.org.au or our partner marketing agencies, you may do so at any time by following the opt-out link at the bottom of email correspondence or emailing us at email@example.com. Should you choose to opt out, we will forward this information to the vendor or agency that provided us with your information so that they may also remove your information from their database. tooprecioustolose.org.au can only ensure that your information will be removed from the databases of the companies with which we are affiliated. tooprecioustolose.org.au is not responsible for stopping all solicitations from all third parties.
Cost of Short Term Loans
Short term loans have the potential to become expensive since their APRs are known to be higher than the APRs of traditional forms of consumer credit. Most of the time, consumers will pay about 20% of the total amount of the loan in the form of interest. For more detailed information, you can contact the Consumer Federation of America. This group performs calculations to compare short term loans.
Your Privacy is Our Mission
tooprecioustolose.org.au understands that the security of your personal information is of the utmost importance in today’s technical day and age. Any information that we collect through our website is used to process business transactions that are requested by you. We will never share your information with anyone aside from our associated lenders and third party affiliates, whether you are a current or former customer.
We will never knowingly collect any information from anyone who is younger than age 18.
General Collection and Use of Information
tooprecioustolose.org.au collects information from existing and prospective customers in an attempt to provide them with the products and services they request or products and services that may be of interest to them. Users may opt out of being contacted or receiving emails from us at any time. While not all of the information you may be asked to provide is absolutely required, much of it is, including your name, address, contact number, work telephone number, mortgage balance, interest rates on mortgages, credit scores when necessary, amount of loan desired, type of home, email address, employer’s name, and the best time to reach you. All of this information is used to help you obtain the requested products and services.
We may also collect certain information about your computer that may be shared with third parties for analysis purposes. Some of this information includes your IP address, the type of browser you are using, the times you access our website, and the website that referred you. This information is used to help improve the quality of the services that we provide to you, including the way these services are delivered, and to generate statistics about the way our site is used. We will never send you newsletters or updates without your permission. Whenever you submit your information on tooprecioustolose.org.au, you are providing us with a request for these newsletters and updates.
You have the right to request that we stop sending you emails or any other form of communication through our opt-out process. You have a right to remove your information from our database in its entirety, as well. To do so, please contact us at firstname.lastname@example.org and give us 10 business days to process this request. You may opt out of text messages by replying to any message you receive with the word ‘STOP’, ‘END’ or ‘QUIT’.
Policy on Sharing Your Information
tooprecioustolose.org.au will never sell your information to third parties. However, your information may be provided to third party affiliates who are responsible for helping us fulfill your requests, such as lenders, companies responsible for shipping, or businesses that provide customer service. These affiliates only have the authorization to use your information to fulfill their specific obligations to us.
We may also disclose personal information about you when:
- We are required to do so by law, such as when we are subpoenaed
- We have reason to believe that doing so is necessary for the protection of our rights, to protect your safety or the safety of others, to respond to a request from the government or to investigate alleged or factual fraud.
- We are involved in a merger, sale or acquisition of our company or assets. You will also be notified via a message on our website and via email if there is a change of ownership or if the ownership of your information changes hands. You will also be notified of any additional rights you may have regarding the protection of your personal information.
- You have provided your consent to give your information to other third parties.
We may share your personal information with related companies so that they may advertise and market their products and services to you. If you do not want your personal information to be shared with third parties in this manner, please contact us at email@example.com.
Disclosure of Information to Affiliates
When you submit your information on tooprecioustolose.org.au, you are providing your consent to be contacted by third party affiliates who can provide you with the requested services. Information you provide, including information you submit on our form, will be submitted to banks, lenders and brokers in order to inform you of products and services in which you have expressed an interest. An affiliate is a third-party company who has a legal contract with tooprecioustolose.org.au.
A cookie is a bit of data that is placed on your computer by a website for tracking purposes. Essentially, the website can send information to your computer and your computer can send information back to the website via this cookie. This information is exchanged for the purposes of authentication, user session identification, user preferences, saving login information and more. You have the right to reject cookies from our website, but you may not have access to the full range of products, services and features we provide if you choose to do so. Sometimes, cookies may be used to track and target your interests. In this case, your personal information may be tied to these cookies.
Third Party Cookies
Since the safety of your personal information is incredibly important to us, we use top-rated and industry recognized methods to protect the information you provide to us as it is being transmitted and after we have received it. There is no method of data transmission or storage that is 100% fail-proof, so we cannot guarantee the absolute security of your information. For more questions about the security methods used on our website, please contact us at firstname.lastname@example.org.
Update or Correct Your Information
If you would like to verify, correct, update or delete any of the information you have provided to tooprecioustolose.org.au, please contact us at email@example.com.
Notifications of Changes
Updates to Site and Service
While it is acceptable for our members and visitors to unsubscribe from marketing communications, they may not unsubscribe from certain service announcements that provide important information about the products and services being offered by tooprecioustolose.org.au. If you are no longer interested in the products and services we provide and you would like to completely deactivate your account, you can deactivate your account by contacting us at tooprecioustolose.org.au.
Sharing Information with Co-Branded Companies
A co-branded company can be described as a third party whose name will be directly listed on any quote or form that you fill out while on tooprecioustolose.org.au. The products and services you request, as well as the information you provide, will be controlled by that co-branded company. This information will be shared with tooprecioustolose.org.au for tracking purposes.
Compliance with Do-Not-Call Registry
When you submit your personal information through tooprecioustolose.org.au, you are providing your express consent to be contacted via email, telephone, postal mail or text message.
Any information you provide to tooprecioustolose.org.au will be retained until you make the decision to cancel your account with us. If you want to cancel your account or if you want to request that we no longer use your information to provide you with products and services, you can contact us at firstname.lastname@example.org. Even after this request, your information will be used for as long as is necessary to resolve disputes, comply with legal obligations and ensure that our agreements are enforced.
We are confident that our friendly and knowledgeable customer service staff, secure website, and lightening-fast response time, will leave you highly satisfied with your experience at tooprecioustolose.org.au.