Last Modified: December 22, 2023
Index Loans LLC (“Index”), its parent, subsidiaries and affiliates (collectively “our”, “us” or “we”) respect your privacy and we are committed to protecting it through our compliance with this Privacy Policy (the “Privacy Policy”) when you visit our website IndexLoans.com including any subdomain thereof (“Website”).
In this Policy we refer to individuals visiting our Website as "you" or “your”.
This policy describes the types of information we may collect from you or that you may provide when you visit our Website and our practices for collecting, using, maintaining, storing, and disclosing that information.
This Privacy Policy applies to information we collect:
This Privacy Policy does not apply to information collected by:
Please review our Terms of Use, which governs your use of our Website. By using our Website, you agree to this Privacy Policy and to our Terms of Use. You also agree to our collection, use, maintenance disclosure and storage of your information as described by this Privacy Policy. If you do not agree to the terms of this Privacy Policy, do not provide us with any Personal Information (defined below) and do not use this Website.
INFORMATION WE COLLECT
We collect and store, directly or through our third-party service providers (defined below)), several types of information about you, including from loan applications, forms, and other materials that you submit to us throughout the course of your relationship with us, or when you email, test, call us, submit to automated virtual assistant, live chat features on the Website, such as the content of the communication and metadata associated with it. We may also collect and store information about your transactions and experiences with us relating to the products and services we provide to you.
Depending on the products or services you request, we may collect and store information about you, including your credit history, linked bank account information, and employment information from our third-party service providers, such as consumer reporting agencies.
In addition, we collect and store, either directly or through our third-party service providers, certain behavioral data and technical data attributes when you visit or interact with our Website (“Usage Information”). The Usage Information may be collected, stored or accessed using technologies that may be downloaded to your computer, browser, laptop, tablet, mobile phone or other electronic device (“Device”) when you visit or interact with our Website or ads. Such Usage Information may include:
Although you may use parts of our Website without registering, certain functionalities or areas of the Website, including our online application and account portals, will require you to provide us with personally identifiable information (“Personal Information”). Personal Information we may collect and store includes your:
We may collect Personal Information through many forms and in many places on our Website, including if you apply for a loan, through "contact us" form, or when you interact with our Website.
For an explanation of how we collect, use and share Personal Information, please see our Privacy Notice, which we provide to all of our customers. Our Privacy Notice will also explain how you can limit the use and sharing of your Personal Information.
COOKIES, ANALYTICS AND OTHER TRACKING TECHNOLOGIES
We use tracking technologies on our Website including Cookies, Web Beacons and event Logs to collect and other tracking technologies to collect and store Usage Information. We may also send such tracking technologies to your Device when you visit other sites where our ads appear. The Usage Information gathered from Cookies, Web Beacons, event Logs and other tracking technologies is used to:
We may use Cookies, Web Beacons, and other tracking technologies from third-party service providers to satisfy these functions.
“Cookies” are small files containing letters, numbers and symbols, that are stored on your Device and stores information about the you or records the your browsing activity. We use cookies to authenticate you as a user when you log in, to track your session, to deliver content specific to your preferences and interests, and to provide other functions.
We may use session Cookies or persistent Cookies. Session Cookies are temporary and are deleted after you close your Device’s browser or application. Among other uses, session Cookies allow us to deliver content specific to your interests and to improve navigation of the Website. We use persistent Cookies for customer protection, as part of our authentication technology. Persistent Cookies assist in verifying the identity of a customer who is attempting to log in to an account.
“Web Beacons” are objects embedded into web pages and your Device that allow a website or application to count users and determine how long users view web pages or applications. We use web beacons for our Website traffic reporting, unique visitor counts, auditing and reporting, personalization, and other functions.
“Log” information may include web requests, domain name and host, IP address, your Internet service provider, referring website, operating system, browser type, browser language, date and time of your request, and cookies that may uniquely identify your browser. We use this information to enhance the functionality of the website and to make your access more convenient, secure, and efficient. We may also use this information to develop group profiles of its website visitors, to assist with systems administration, to resolve problems, and to prevent fraud.
Google Analytics is a tool we use to collect information about the use of our Website. Google Analytics collects information such as how often users visit the Website, what pages they visit when they do so, what other sites they used prior to coming to this site, and the IP address of the Device used to connect to our Website. We use the information we get from Google Analytics only to improve Website. We do not combine the information collected through the use of Google Analytics with any of your personally identifiable information. Although Google Analytics stores a permanent Cookie on your device to identify you as a unique user the next time you visit our Website using that same Device, the Cookie cannot be used by anyone but Google. You can read Google's Privacy Policy to learn how Google uses the data gathered by Google Analytics.
You may stop your browser or Device from accepting Cookies or Web Beacons. The Help portion of your browser should explain how to configure your browser's cookie handling. Your browser may have add-ons that may help you block Web Beacons. However, if you block Cookies or Web Beacons set by our Website you may still use our Website but your ability to use some features or areas of our Website may be limited.
Our Website is not currently configured to respond to Do-Not-Track signals or similar tools and settings.
THIRD PARTY WEBSITES AND DATA COLLECTION
Our Website may contain links to other third-party websites. Any access to and use of such linked sites is not governed by this Policy but, instead, is governed by the privacy policies of those third-party websites. We are not responsible for the information practices of such third-party websites. We encourage you to review the privacy policies of these third-party websites before you disclose your Personal Information.
Social Media
You may be able to access certain social media websites and services that are owned or controlled by third parties, including without limitation, Facebook, [others] and others, collectively referred to as “Social Media Websites”). When you elect to access and use the Social Media Websites through our Website, including by cross-posting content to the Social Media Websites, you will be sharing your information, which will include Personal Information if you elect to share such information, with those Social Media Websites. As with other third-party websites, the information that you share with the Social Media Websites will be governed by the privacy policies and terms of service of the providers of such Social Media Websites and not by this Privacy Policy. We do not control, and we are not responsible for the use of your Personal Information by these Social Media Websites. You may also be able to modify your privacy settings with these Social Media Websites to, for example, control what information the Social Media Websites disclose to other entities, including us. However, please remember that the manner in which Social Media Websites use, store, and disclose your information is governed by the policies of the applicable to each of these Social Media Websites.
HOW DO WE USE YOUR INFORMATION
We, and our third-party service providers, may use your information that is covered by this Privacy Policy to:
HOW WE SHARE INFORMATION
We share your personal information with certain nonaffiliates (companies not related by common ownership or control) and among affiliates (companies related by common ownership or control, including but not limited to the companies covered by this Privacy Policy, namely Index’s parent, subsidiaries and affiliates) only in the ways that are described in this Privacy Policy. By law, you are permitted to limit some types of sharing, but not others. Our Privacy Notice explains what Personal Information we may share with third parties. Our Privacy Notice also explain how you can limit the use and sharing of your Personal Information.
We employ or retain nonaffiliates (“third-party service providers”) to perform functions on our behalf, such as to facilitate your transaction with us (including those providing us professional, consulting, legal or accounting advice to us), maintaining the Website, providing services related to the Website, providing us verification, financial and employment information, collecting information, responding to and sending email or other functions to facilitate our business. We need to share your Personal Information with our third-party service providers. We do not share or sell your mobile phone information with third parties for promotional or marketing purposes.
Under certain circumstances, your Personal Information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations, for instance, when responding to a subpoena or similar legal process, to protect against fraud, or otherwise cooperate with law enforcement or regulatory authorities. We may also disclose your information if we believe it is necessary to protect our rights, property, or safety, or the rights, property, or safety of our customers or others, or to enforce our contractual rights.
TEXT MESSAGING CONSENT
Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.
HOW WE PROTECT YOUR INFORMATION
We are committed to protecting the privacy and confidentiality of your Personal Information. We maintain physical, administrative and technical safeguards to protect your Personal Information against loss, misuse, damage or modification, and unauthorized access or disclosure, and we regularly adapt these controls to respond to changing requirements and advances in technology.
We limit access to your Personal Information to those who require it for the uses stated in this Privacy Policy.
ACCURACY OF INFORMATION
Keeping your account information accurate and up to date is very important. While we make every effort to ensure that all information we hold about you is accurate, complete, and up-to-date, you can help us by promptly notifying us if there are any changes to your information. When you register your account on our Website, you will be able to view and change certain information in your account by logging in to your account. If you cannot make changes online, or if you want to request changes offline, please contact us at the following phone number or postal address.
Customer Service
Email: support@indexloans.com
Call us: (800) 800-1501
Address: 7621 West 63rd Street, Summit, Illinois 60501
CHILDREN PRIVACY
Our Website is not directed at individuals who are under the age of eighteen (18). We do not knowingly collect or receive Personal Information from any minors. If you believe that a child under the age of majority may have provided us with Personal Information, please contact us as specified in the CONTACT US section of this Privacy Policy, and we will take steps to delete such Personal Information.
CHANGES TO OUR PRIVACY POLICY
From time to time, we may change this Privacy Policy. If we do so, we will post notice of the new Privacy Policy on our Website. The ”Last Modified” date at the top of this Privacy Policy is the last time we materially changed this Privacy Policy. That date lets you know whether we made changes since the last time you reviewed this Privacy Policy. By continuing to use our Website after we make changes to the Privacy Policy you are deemed to acknowledge those changes, so please check the Privacy Policy periodically for updates. This Privacy Policy is not a contract and does not create any contractual rights or obligations.
OTHER PRIVACY POLICIES
This Privacy Policy may be supplemented by other specific privacy policies or privacy statements that may be required with respect to customers of certain states or with respect to certain services. To extent that specific privacy policies or statements contradict this Privacy Policy, such specific privacy policies or statements will govern to the extent of the specific context they are made.
CONTACT US
If you have questions regarding this Privacy Policy, please contact us as follows:
Index Loans LLC
Legal Department
7621 West 63rd Street, Summit, Illinois 60501