Last updated January 2020
Ciao, Inc., dba LoanScorecard is committed to honoring the privacy of our customers. Our customer information is not for sale, rent, lease or trade, and we will not disclose our customer information to any third parties without consent, except as may be required by law.
Our relationship with you is our most important asset. We understand that you have entrusted us with private financial information, and we do everything we can to maintain that trust with our customers. The following details our approach to privacy.
In order to service your account, we may require any of the following information for the purpose of administering, operating, hosting, configuring, designing, maintaining and providing internal support for our Website and our Software Products. This includes Personal Information, Browsing Information, Customer Information, and Payment Information.
Personal Information includes Browsing Information or Payment Information where such information can directly or indirectly identify an individual. Browsing Information refers to information about your computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and pages viewed. Please see the "Navigation Information" section below.
LoanScorecard may collect the following categories of personal information (“Personal Information”), which may include, among other things:
You are free to explore the websites without providing any Personal Information about yourself. We use Browsing Information to operate and improve the websites and the Subscription Service and may also use Browsing Information alone or in combination with Personal Information to provide you with personalized information about LoanScorecard.
LoanScorecard may also collect the following categories of browsing information (“Browsing Information”), which may include, among other things:
When servicing your account, we may require any of the following information: first and last name, job title, company name, address, billing/mailing address, e-mail address, telephone number, fax number, credit card/payment information and refer to this as Customer Information.
We collect and process Payment Information from you when you subscribe to the Subscription Service, including credit card numbers and billing information.
In the course of our business, we may collect Personal Information about you from the following sources:
From time to time, we may receive Personal Information about you from third party sources including partners with which we offer co-branded services or engage in joint marketing activities, and publicly available sources such as social media websites.
This California Consumer Privacy Act Disclosure explains how LoanScorecard and its affiliates (collectively, the "Company," "we," or "us") collect[s], use[s], and disclose[s] personal information relating to California residents, and is provided pursuant to the California Consumer Privacy Act of 2018 ("CCPA").
LoanScorecard uses the Customer Information you supply offline or online in order to provide you with better service, products/services and to maintain your account and may use the provided Customer Information to alert you to product information and updates, special offers, new products and other LoanScorecard information.
LoanScorecard has security measures and procedural safeguards in place to protect against the loss, misuse and alteration of the information we collect that is under our control and to prevent unauthorized access, maintain data accuracy, and ensure the correct use of information.
LoanScorecard's websites may contain links to other websites of interest. However, once you have used these links and left our site, LoanScorecard is not responsible for the privacy practices or the content of any linked third-party websites. You should exercise caution and read the privacy statement applicable to the website in question.
We use a variety of security technologies and procedures to help protect your Personal Information. We maintain physical, electronic, and procedural safeguards to protect Personal Information from unauthorized access, use or disclosure.
The following notices explain specific privacy practices with respect to certain LoanScorecard products and services that you may use:
If you have any questions about this privacy statement, the practices of this site, or your interactions with this site or you may call (844) 684 -1146 or email firstname.lastname@example.org.