• Privacy Policy

    NetLending (NMLS #380304) Online Privacy Notice

    Netlending (NMLS #380304) respects your privacy.

    This notice sets forth the information privacy practices of this web site only. We may change this policy from time to time, and we will post those changes on this page. Please check back periodically.


    Information We Collect Through This Web Site

    If you send us an e-mail message through a contact link found on this site, we may use your e-mail address to reply to you and to otherwise disclose it as permitted by law. We discourage customers and other visitors from using e-mail to communicate confidential, sensitive or non-public personal information because its transmission is not secure. Transmission of information through our online pre-qualification form is protected from interception.

    Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 13. Therefore, we don’t knowingly attempt to solicit or receive any information from children.

    Our site uses an online pre-qualification form for visitors to request information, products, and services. We collect visitor’s contact information (like their email address), unique identifiers (like their social security number), and financial information (like employment and income information). Contact information from the pre-qualification form is used to send information to a credit reporting agency (with the visitor’s authorization). If a credit report is completed, information provided by the visitor is supplemented by the information received from the credit reporting agency. The visitor’s contact information is used to get in touch with the visitor when gathering additional information, when clarifying information, and when providing a response to the visitor’s request. Financial information that is collected is used to check the visitor’s qualifications. Unique identifiers (such as social security numbers) are collected from Web site visitors to verify the visitor’s identity and to complete the preliminary screening process.


    When a visitor submits an online pre-qualification form, the visitor’s IP address and Internet host name are recorded with the visitor’s information. This extra data is used to help confirm the identity of the user

    Once a visitor’s online pre-qualification has been reviewed, the visitor may choose to apply for approval. When you apply we may ask for additional information via e-mail, telephone, facsimile or with a face-to-face interview to complete the residential loan application.


    Additional Information We Collect through This Web Site regarding Web Technologies
    Here is how and why we use some common Web technologies to help manage our websites:

    • Cookies: We use Google Analytics’ 3rd-party audience data such as age, gender and interests to better understanding the behavior of our customers and work with companies that collect information about your online activities to provide advertising targeted to suit your interests and preferences. For example, you may see certain ads on this website or other websites because we contract with Google and other similar companies to target our ads based on information we or they have collected, including information that was collected through automated means (such as cookies and web beacons). These companies also use automated technologies to collect information when you click on our ads, which helps track and manage the effectiveness of our marketing efforts.

      You may opt out of the automated collection of information by third-party ad networks for the purpose of delivering advertisements tailored to your interests, by visiting the consumer opt-out page for the Self-Regulatory Principles for Online Behavioral Advertising at http://www.aboutads.info/choices/ and edit or opt-out your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/.

    When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual.


    Additionally, our service providers that serve ads on affiliate and/or advertiser websites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of our advertising on other websites and your involvement with Netlending. For example, as part of our affiliate programs, our service providers use cookies and web beacons to determine when affiliate program members have referred a customer to Netlending via a link on their website. The Netlending website also sets a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer’s personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. NetLending may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL and demographic information such as your zip code. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.


    If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you won’t be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies.

    Behavioral Advertising: Please be aware that we use third party advertising companies to collect non-personally identifiable information for online behavioral advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology. To learn more about online behavioral advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org.


    Protecting your identity and credit
    Credit reporting agencies may share your information with other companies when you apply for a home loan. This may cause you to receive Email or phone calls that you didn’t ask for, offering credit cards, refinancing or other loan products.


    You can stop these calls and Emails by opting out of these prescreened credit offers. Simply call (888) 567-8688 or visit www.optoutprescreen.com


    Nonpublic Personal Information
    “Nonpublic personal information” is information we receive from a consumer, or collect in connection with providing a financial product or service to a consumer. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. We collect nonpublic personal information about consumers from the following sources:

    • Information that you provide to us on pre-qualifications, applications or other forms, such as your name, social security number, assets, liabilities and income.
    • Information that you otherwise provide to us online, by e-mail, telephone, facsimile, in writing, in-person or by other means.
    •  Certain specific information that is captured and recorded by us online in connection with the submission of an online pre-qualification form and that is used by us to help confirm the identity of the user, such as the user’s IP address and Internet host name.
    • If you enter into a transaction with us, information about your transactions with us, such as your loan balance, payment history, and parties to transactions.
    •  If we obtain a credit report in connection with a proposed transaction, information we receive from the credit reporting agency, such as your creditworthiness and credit history.

    Use and Disclosure of Nonpublic Personal Information
    We collect, use and maintain nonpublic personal information about consumers only to provide financial products and services. We do disclose any nonpublic personal information about consumers except as permitted by law. For example, “permitted by law” includes, without limitation:

    • with the consumer’s consent;
    • as necessary to effect, administer, or enforce a transaction that you request;
    • to consumer reporting agencies;
    • the securitization or secondary market sale of your financial product (including servicing rights);
    • responding to a subpoena or court order, judicial process or government regulatory authority;
    • in connection with a proposed or actual sale, merger, transfer or exchange of all or a portion of a business or operating unit;
    •  to our service providers.

    We require our service providers to enter into an agreement with us that prohibits them from using or disclosing nonpublic personal information other than to carry out the purposes for which we disclosed the information or as otherwise permitted by law.


    Former Customers
    If you become our customer and later close your account or your account becomes inactive, we will adhere to the privacy policies and practices described in this notice with respect to your nonpublic personal information.


    Confidentiality and Security of Information
    We restrict access to your nonpublic personal information to those employees and service providers who have a business need to know that information to provide products and services to you. Our employees are bound by a code of conduct and ethics, and are educated on the importance of confidentiality and customer privacy. We maintain, and we require our service providers to agree to maintain, physical, electronic and procedural safeguards that comply with federal standards to protect your nonpublic personal information.


    Links to Other Sites
    This site contains links to other sites. We are not responsible for the information privacy or security practices of those sites, nor for their content. We cannot guarantee that these third party sites do not use cookies. We urge you to review the privacy and security policies of each site you visit through the use of those links.


    Contacting Us

    If you have any questions or concerns about this notice or the privacy of your nonpublic personal information generally, please contact us at (808) 594-8222 or info@netlendinghawaii.com