• Terms and Conditions

    Agreement between User and Loan Enroll, Inc.(“Loan Enroll”).

    Welcome to Loan Enroll, provider of Loan Enroll marketing technology. Loan Enroll, Inc. operates https://Loan Enroll.com, each with various webpages and is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of https://Loan Enroll.com constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.

    Loan Enroll is a Software-as-a-Service based technology and marketing company. Loan Enroll engages with customers to help them submit consumer loan requests via the Loan Enroll technology. Further, Loan Enroll resells raw lead data and provides call center services a la carte or in bundles, to its customers.

    RETURN POLICY

    All sales are final. The Loan Enroll platform and CRM services are billed monthly or by use by level of service selected within the customer dashboard and must be canceled in writing prior to any recurring billing taking place. Customer is billed at time of loan approval of the designated percentage based on volume and account level.

    Privacy

    Your use of https://Loan Enroll.com/privacy-policy is subject to Loan Enroll's Privacy Policy. Please review our Privacy Policy, which also governs the Sites and informs users of our data collection practices.

    Electronic Communications

    Visiting https://Loan Enroll.com or sending emails to Loan Enroll constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

    Your Account

    If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Loan Enroll is not responsible for third party access to your account that results from theft or misappropriation of your account. Loan Enroll and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

    Children Under Thirteen

    Loan Enroll does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

    No Unlawful or Prohibited Use/Intellectual Property

    You are granted a non-exclusive, non-transferable, revocable license to access and use https://Loan Enroll.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Loan Enroll that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

    All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Loan Enroll or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

    You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Loan Enroll content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of Loan Enroll and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Loan Enroll or our licensors except as expressly authorized by these Terms.

    International Users

    The Service is controlled, operated and administered by Loan Enroll from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Loan Enroll Content accessed through https://Loan Enroll.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

    Indemnification

    You agree to indemnify, defend and hold harmless Loan Enroll, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Loan Enroll reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Loan Enroll in asserting any available defenses.

    Arbitration

    In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regard to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

    Class Action Waiver

    Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Loan Enroll agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

    Liability Disclaimer

    THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Loan Enroll, INC ITS SUPPLIERS MAY MAKE IMPROVEMENTS CHANGES IN THE SITE AT ANY TIME. Loan Enroll, INC ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. Loan Enroll, INC ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Loan Enroll, INC ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF Loan Enroll, INC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

    Termination/Access Restriction

    Loan Enroll reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California and you hereby consent to the exclusive jurisdiction and venue of courts in California in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

    You agree that no joint venture, partnership, employment, or agency relationship exists between you and Loan Enroll as a result of this agreement or use of the Site. Loan Enroll's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Loan Enroll's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Loan Enroll with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

    Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Loan Enroll with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Loan Enroll with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

    Changes to Terms

    Loan Enroll reserves the right, in its sole discretion, to change the Terms under which https://Loan Enroll.com https://Loan Enroll.com is offered. The most current version of the Terms will supersede all previous versions. Loan Enroll encourages you to periodically review the Terms to stay informed of our updates.

    Loan Eligibility Service

    In connection with your use of this site, LoanEnroll shares your Personal Information with Monevo Inc to provide the loan eligibility service and their related tools and services. You acknowledge that by agreeing to this privacy policy you have also read and agree to Monevo Inc’s Terms of Service, Credit Authorization Agreement, eConsent & Privacy Policy.

  • Privacy Policy

    Protecting your private information is our priority. This Statement of Privacy applies to https://Loan Enroll.com and Loan Enroll, Inc. and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Loan Enroll, Inc. include https://Loan Enroll.com, Loan Enroll, LoanEnroll and Https://LoanEnroll.com. The Loan Enroll website is a Website description site. By using the Loan Enroll website, you consent to the data practices described in this statement.

    Collection of your Personal Information

    In order to better provide you with products and services offered on our Site, Loan Enroll may collect personally identifiable information, such as your:

    • First and Last Name
    • Mailing Address
    • E-mail Address
    • Phone Number

    If you purchase Loan Enroll's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.

    We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

    Use of your Personal Information

    Loan Enroll collects and uses your personal information to operate its website(s) and deliver the services you have requested.

    Loan Enroll may also use your personally identifiable information to inform you of other products or services available from Loan Enroll and its affiliates.

    Sharing Information with Third Parties

    Loan Enroll does not sell, rent or lease its customer lists to third parties.

    Loan Enroll may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Loan Enroll may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Loan Enroll, and they are required to maintain the confidentiality of your information.

    Loan Enroll may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Loan Enroll or the site; (b) protect and defend the rights or property of Loan Enroll; and/or (c) act under exigent circumstances to protect the personal safety of users of Loan Enroll, or the public.

    Tracking User Behavior

    Loan Enroll may keep track of the websites and pages our users visit within Loan Enroll, in order to determine what Loan Enroll services are the most popular. This data is used to deliver customized content and advertising within Loan Enroll to customers whose behavior indicates that they are interested in a particular subject area.

    Automatically Collected Information

    Information about your computer hardware and software may be automatically collected by Loan Enroll. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Loan Enroll website.

    Use of Cookies

    The Loan Enroll website may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

    One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Loan Enroll pages, or register with Loan Enroll site or services, a cookie helps Loan Enroll to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Loan Enroll website, the information you previously provided can be retrieved, so you can easily use the Loan Enroll features that you customized.

    You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Loan Enroll services or websites you visit.

    Links

    This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

    Security of your Personal Information

    Loan Enroll secures your personal information from unauthorized access, use, or disclosure. Loan Enroll uses the following methods for this purpose:

    • SSL Protocol

    When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

    We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

    Children Under Thirteen

    Loan Enroll does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

    Opt-Out & Unsubscribe from Third Party Communications

    We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Loan Enroll by contacting us here:

    • Web page: _________________
    • Email: Optout@Loan Enroll.com
    • Phone: _________________

    E-mail Communications

    From time to time, Loan Enroll may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Loan Enroll or click on a link therein.

    If you would like to stop receiving marketing or promotional communications via email from Loan Enroll, you may opt out of such communications by Customers may unsubscribe from emails by "replying STOP" or "clicking on the UNSUBSCRIBE button..

    External Data Storage Sites

    We may store your data on servers provided by third party hosting vendors with whom we have contracted.

    Changes to this Statement

    Loan Enroll reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

    Loan Eligibility Service

    In connection with your use of this site, LoanEnroll shares your Personal Information with Monevo Inc to provide the loan eligibility service and their related tools and services. You acknowledge that by agreeing to this privacy policy you have also read and agree to Monevo Inc’s Terms of Service, Credit Authorization Agreement, eConsent & Privacy Policy.

  • Consent to Electronic Communications (E-Consent)

    Please read this information carefully and print a copy and/or retain this information for future reference.

    By utilizing this website and clicking the “submit” button, 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 entity mentioned above, that may offer you a financial product or service, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, 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.

    If you are connected with a Lender, and said Lender determines that you are a potential candidate for a financial product or loan, and said Lender offers you an electronic copy of any pertinent Disclosures related to that loan, you may, at any time, request any Disclosures in paper form by contacting the third party lender directly. Depending on the specific Disclosure request to the Lender, the Lender may be able to provide these Disclosures to you at no or minimal charge. Each third party shall retain all Disclosures as required by any applicable laws to the specific transaction.

    Scope of Consent.

    This E-Consent Policy applies to all interactions online concerning you, and the third party Lender or Advertiser, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the third party may process your information and interact during all online interactions with you electronically. The third party may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at loanenroll.com or the third party websites, and may be provided by e-mail. See above for guidance on how to request paper copies.

    Consenting to Do Business Electronically.

    Before you decide to do business electronically with the third party advertiser, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.

    Hardware and Software Requirements.

    To both access and retain the Disclosures electronically, at a minimum, 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 electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® 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 specific hardware and software requirements directly to the third party lender or advertiser.

    Withdrawing Consent.

    If you are connected with one or more third-party lenders, 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 being connected with the third party Lender, you may be prevented from obtaining an offer from the third party as this consent is required, for this one time transaction, to facilitate the connection and to conduct business. Contact 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 either your electronic address or physical mailing address. Your lender will have specific instructions on how to update your contact information, if necessary. Please note that loanenroll.com cannot update your information for you.

    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.

  • California Consumer Privacy Act

    Loanenroll Privacy Notice for California Residents

    Effective Date: 01/01/2020
    Last Reviewed on: 08/01/2020

    This Privacy Notice for California Residents supplements the information contained in Loanenroll’s Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California ("consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

    Introduction

    Loanenroll is an award-winning service which connects consumers with a marketplace of third party lenders, financial service providers, credit card providers and debt relief providers. To assist us in providing our award-winning service, we collect and process your information. We work extremely hard to be good stewards of your information at all times. 

    This document is here to help you understand what information we collect, why we collect it, and how you can update, manage, export, and delete it. 

     

    Information We Collect

    Personal information you provide to us. Personal information you may provide to us when you use the service such as:

    • Contact data, such as your first and last name, email address, residential address and phone number.
    • Identity data, such as your Social Security number and date of birth.
    • Credit history and loan data, such as your estimated credit score, vehicle and home ownership status and other information.
    • Employment data, such as your employment status, employer name, and income
    • Education data, such as the education level you have obtained.
    • Other information that we may collect which is not specifically listed here, which we will use as described in this Privacy Policy or as otherwise disclosed at the time of collection.

    Other sources. As part of our service we may receive information from the Partners we connect you with including, but not limited to status of product acceptance and funding, and loan terms offered and obtained (such as APR, repayment amount, loan amount). As part of our service we may also receive information from Transunion when we perform a soft credit check including but not limited to your credit score and profile. We may combine personal information we receive from you with information we obtain from other sources, such as:

    • Data providers, such as credit bureaus and information services.
    • Business partners, third parties, lenders, or affiliates, as well as other information provided to us online or offline by customers or users of Loanenroll.us

    Automatic Collection. We, our service providers and our third party partners may automatically capture information about you, your computer or mobile device, and your activity over time on the service and other online services, including:

    • Online activity data, such as the date and time of your access, visit or use of the service, and information about your activity on a page or screen.
    • Device data, such as unique device identifier, media access control address, network information, hardware model, browser type, screen resolution, IP address as well as usage and traffic data and information about how the device interacts with the service.

    Cookies and Similar Technologies. To assist the services in collecting and storing Non-Personal Information, we may employ a variety of technologies, including “Cookies,” local browser storage and “Web Beacons”:

    • Cookies, A “Cookie” is a small amount of data a website may store in your web browser that it can access when you visit it. A cookie also refers to web-browser-based storage provided by Adobe’s Flash plugin (a “Flash Cookie”). Cookies may contain user preferences, unique identifiers and other Non-Personal Information. See our Cookie Policy for more information on how cookies are used and how to manage your preferences.
    • Web beacons, A “Web Beacon” is a small, usually-transparent image placed on a web page that allows us or our partners to collect non-Personal Information.

     

    How We Use Your Personal Information 

    We may use, sell, or disclose the personal information we collect for one or more of the following business purposes listed below. 

    Service delivery We may use your personal information to:

    • Provide, deliver, and customize your use of the Loanenroll service;
    • Connect you with partners, lenders, aggregators, and/or loan originators and send you service-related information;
    • Communicate with you about the service and to respond to your inquiries, including for Customer support;
    • Send you important information regarding the services, changes to our terms, conditions, and Policies and/or other administrative information.
    • Understand your needs and interests, and personalize your experience with the service and our communications; and
    • Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, 

    Research and development. We may use your personal information for research and development purposes, including to perform research and analysis aimed at improving our products and services. We make personal information into anonymous data by removing information that makes the data personally identifiable in order to share it with third parties for our lawful business purposes, including to analyze and improve the service and promote our business.

    Marketing and advertising. With your consent, we and our third party advertising partners and business partners may use your personal information for marketing and advertising purposes:

    • Direct marketing. We may send you Loanenroll related or other direct marketing communications as permitted by law. You may opt-out of our marketing communications from Loanenroll by Unsubscribing
    • Interest-based advertising. We may partner with third-party companies to display ads on the service and other sites. These companies may use cookies and similar technologies to try to tailor the ads you see online to your interests based on your activity over time across the service and other sites, or your interaction with our emails. These ads are known as "interest-based advertisements." For more information on these advertisements and to manage your preferences, visit our Privacy Portal 

    Compliance and protection. We may use your personal information to:

    • Comply with applicable laws, lawful requests, and legal processes, such as to respond to subpoenas or requests from government authorities.
    • Perform debugging to identify and repair errors that impair existing intended functionality
    • Protect our, your or others’ rights, privacy, safety or property (including by making and defending legal claims);
    • Enforce the Terms of Service; and
    • Detect security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity.

    For other purposes. We may also use your personal information for other purposes described in this Privacy Policy or at the time we collect the information, as permissible by law. Loanenroll will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.       

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    How We Share Your Personal Information 

    Loanenroll may share your personal information with the following parties and as otherwise described in this Privacy Policy or at the time of collection. 

    • Advertisers: Third party companies that we use to advertise our services, and/or deliver ads to you and similar users on their platforms or through email marketing
    • Authorities: Law enforcement, government authorities, privacy parties, and other applicable authorities
    • Business Partners: Third party companies that we partner with to provide content or services to you or to such business partners. Such as affiliates, data brokers, and lending partners (please see our Partner List for more information on our network of lending partners)
    • Internet Cookie Data Recipients
    • Parent or Subsidiary Organizations
    • Professional advisors: Such as professional advisors, lawyers, bankers, auditors or insurers
    • Service providers: Such as credit bureaus and information services.
    • For other purposes: We may also share your personal information for other purposes described in this Privacy Policy or with your consent

    Your Choices

    • Marketing communications. To opt out of email marketing, email us at Accounts@LoanEnroll.com or submit your email address here. Loanenroll will comply with your unsubscribe request within ten days of submission, as required by law. You may continue to receive service-related and other non-marketing emails.
    • Cookies. See our Cookie Policy for more information on how cookies are used and how to manage your preferences.
    • Advertising choices. See our Privacy Portal for more information on how to manage your targeted advertising preferences.
    • Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. At this time, Loanenroll.us does not respond to "do not track" signals that may be sent from your browser.
    • Declining to provide personal information. If you do not provide certain information that is needed to deliver the Loanenroll service, we may not be able to provide you with all or certain features of the service.

     

    Your Rights as a California Resident

    As a California resident, you have the rights listed below. These rights are not absolute and subject to certain exceptions; we may decline your request in certain cases as permitted by law.

    • Information. You can request the following information about how we have collected and used your Personal Information during the past 12 months:
      • The categories of Personal Information that we have collected.
      • The categories of sources from which we collected Personal Information.
      • The business or commercial purpose for collecting and/or selling Personal Information.
      • The categories of third parties with whom we share Personal Information.
      • Whether we have disclosed your Personal Information for a business purpose, and if so, the categories of Personal Information received by each category of third party recipient.
      • Whether we’ve sold your Personal Information, and if so, the categories of Personal Information received by each category of third party recipient.
    • Access. You can request a copy of the Personal Information that we have collected about you during the past 12 months. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to forty-five (45) days, we will inform you of the reason and extension period in writing. If applicable, the response we provide will explain the reasons we cannot comply with a request. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
    • Deletion. You can ask us to delete the Personal Information that we have collected from you. We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to forty-five (45) days, we will inform you of the reason and extension period in writing. If applicable, the response we provide will explain the reasons we cannot comply with a request.
    •  Opt-out of sales. If we sell your Personal Information, you can opt-out. 
    • Nondiscrimination. You are entitled to exercise the rights described above free from discrimination in the form of legally prohibited increases in the price or decreases in the quality of our service. 

    How to exercise your rights. You may exercise your California privacy rights described above as follows:

    • Right to information, access, deletion, and opt out. You can request to exercise your information, access, deletion, and opt out rights by:
      • Submitting a request through our Privacy Portal
      • Emailing Accounts@LoanEnroll.com 

    We reserve the right to confirm your identity and California residency status to process your requests to exercise your information, access or deletion rights. As part of this process, government identification may be required. 

     

    Personal information that we collect, use and share.

    The chart below summarizes how we collect, use and share Personal Information by reference to the categories specified in the CCPA, and describes our practices during the 12 months preceding the effective date of this Privacy Policy.

    Categories in the chart refer to the categories described above in the general section of this Privacy Policy. If a category of information is not listed within the chart (such as Biometric Information or Inferences) then those categories of information are not collected by Loanenroll. 

    Category of personal information (PI) (definitions here)

    PI we collect

    Source of PI

     Business purpose for collection

    Categories of third parties to whom we may “disclose” PI for a business purpose

    Categories of third parties to whom we “sell” PI

    Identifiers

    Contact data

    Identity data

     

    You

    Data providers

    Business Partners

     

    Service delivery

    Marketing and advertising

    Compliance and protection

     

    Advertising partners

    Authorities

    Business partners

    Parent or Subsidiary Organizations

    Professional advisors

    Service providers

     

    Business partners

    Commercial Information

    Credit information and loan data

    Property data

    Online activity data

     

    You

    Data providers

    Business Partners

    Automatic collection

     

    Service delivery

    Research and development

    Marketing and advertising

    Compliance and protection

     

    Affiliates

    Authorities

    Business Partners

    Internet Cookie Data Recipients

    Parent or Subsidiary Organizations

    Service Providers

     

    Business partners

    Financial Information

    Credit information and loan data

     

    You

    Data providers

    Business Partners

     
     

    Service delivery

    Research and development

    Marketing

    Compliance and Operations

     
     
     

    Authorities

    Parent or Subsidiary Organizations

    Partners

    Professional advisors

    Service providers

     
     
     

    Business partners

    Online Identifiers

    Contact data

    Device data

    Online activity data

     
     

    You

    Automatic Collection

    Business Partners

     

    Service delivery

    Research and development

    Marketing and advertising

    Compliance and protection

     

    Advertising partners

    Authorities

    Business partners

    Business transferees

    Parent or Subsidiary Organizations

    Professional advisors

    Service providers

     

    Business partners

    Internet or Network Information

    Device data

    Online activity data

     
     

    Automatic collection

    Service delivery

    Research and development

    Marketing and advertising

    Compliance and protection

     

    Parent or Subsidiary Organizations

    None

    Professional or Employment Information

    Employment data

    You

    Service delivery

    Research and development

    Compliance and protection

     

    Authorities

    Business partners

    Parent or Subsidiary Organizations

    Professional advisors

     

    Business partners

    Protected Classification Characteristics

    Eligibility data

    Identity Data

     

    You

    Data providers

    Business Partners

     

    Service delivery

    Compliance and protection

     

    Authorities

    Business partners

    Parent or Subsidiary Organizations

    Professional advisors

    Service providers

     

    Business partners

    Education Information

    Education data (highest level of education)

    You

    Service delivery

    Research and development

    Compliance and protection

     

    Authorities

    Business partners

    Parent or Subsidiary Organizations

    Professional advisors

     

    Business partners

    Other California Privacy Rights

    California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to Support@LoanEnroll.com or write to us at: 8910 University Center Lane, Suite 400, San Diego CA 92122. 

  • Responsible Lending

    Effective Date: 02/05/2020

    Last Reviewed on: 04/06/2020

    You acknowledge that this Policy is designed to be read in connection with the Site’s Terms of Service and Privacy Policy. By accessing or using our Site, you agree to be bound by the Site’s Terms of Service and Privacy Policy. This Fair and Responsible Lending Policy is created in an effort to provide you with valuable information regarding your rights as a consumer and practices that may be applicable to our Partners.

    The content on this page is not designed to be and should not be taken as legal advice. The provided details do not cover all sections of each law, act, or regulation. Any inquiries you may have regarding your loan or the presented loan offers should be addressed with the Lender directly.

    Introduction

    LoanEnroll is not a lender or party to any loan or other transaction, does not broker loans to lending partners, and does not make personal loans or credit decisions. We submit the information you provide us to the lending partners in our database who may use a soft credit check(s) to assess your eligibility for a personal loan and may then provide pre-qualified loan offers.

    LoanEnroll is committed to working with responsible lending partners who bar abusive, misleading or fraudulent lending practices.If you receive a personal loan offer from one of our lending partners, it is imperative that you review each lender’s terms and conditions before proceeding with an application for a loan. Please note, that at the point of application with the lending partner you may be subject to a full credit check. LoanEnroll’s Commitment to Fair and Responsible Lending Practices

    Fair Lending Laws are a culmination of laws and regulations intended to protect consumers by prohibiting unfair and discriminatory practices. Details on certain relevant laws regarding consumer protection are included below for informational purposes.

    LoanEnroll encourages consumers who feel their lender has violated any aspect the law/laws or regulatory requirements to file a complaint with the Consumer Finance Protection Bureau, or applicable enforcing agency.

    Equal Credit Opportunity Act (ECOA): ECOA prohibits discrimination based on race or color, marital status, religion, nationality or national origin, gender, age (so long as the applicant is capable of entering into a contract), income derived from public assistance programs, and the applicant’s exercise of any right under the Consumer Credit Protection Act. This Act applies to any extension of credit.

    Fair Credit Reporting Act (FCRA): FCRA is intended to promote correctness, fairness, and confidentiality of information in Consumer Reporting Agency files by requiring the agencies to furnish correct and whole information to businesses when a consumer's information is being evaluated for insurance, credit, or employment. Under the FCRA, consumers have the right to:

    • Know the information within their credit file
    • Be informed if information in their file has been used against them
    • Dispute incomplete or erroneous data in their file
    • Receive one disclosure at no cost every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies
    • >Request a credit score from consumer reporting agencies for a fee
    • Limit access the consumer’s file to people with a valid need for access
    • Limit unsolicited offers of credit and be provided with opt out rights of such communications.

    The Truth in Lending Act (TILA): TILA is intended to promote knowledgeable use of consumer credit by requiring written disclosures regarding terms, costs, and fees of loans before a consumer takes responsibility for the loan. This act additionally provides consumers the right to withdraw from certain credit dealings involving a lien on the consumer’s dwelling, provides a means for just and timely resolve of credit billing disputes and regulates credit card practices. Note, this Act does not mandate the charges that may be imposed for consumer credit. The lenders in LoanEnroll’s network are required to provide consumers with clearly written and discernable interest rates, late fees, and any other fees that may be connected with their loan before loan documents are fully executed.

    Americans With Disabilities Act (ADA): This Act prohibits discrimination against qualified individuals with disabilities by ensuring that these individuals have equivalent access to goods and services offered by private businesses.

    Debt Collection Practices LoanEnroll is not a lender, does not fund loans, and does not engage in any kind of practice related to debt collection. LoanEnroll aims to work only with reputable lenders who adhere to fair debt collection practices and guidelines. LoanEnroll supports the provisions of the Fair Debt Collection Practices Act which is enforced by the Federal Trade Commission. The Act forbids collectors and collection attorneys from using misleading behaviors, harassment, and other unethical practices in an effort to collect debt. The Act additionally stipulates specific hours of the day in which consumers may be contacted. The FDCPA typically does not apply to first party creditors, however certain states have passed laws similar to the FDCPA that may apply to first party creditors. Certain lending partners of LoanEnroll may collect their own debts and therefore may be subject to state lending or debt collection regulations.If a lender directly or indirectly violates a debt collection law or regulation we suggest reporting the violation to the FTC.

    Implications of Late Payment and Non-Payment If you obtain a loan, it is vital that you understand implications that could result from making a payment late or from failing to make a payment. Each lending partner determines their own policy regarding fees that may be charged and/or other consequences from late or non-payments. Consequences can include added charges, negative implications to your credit history and score, collections, and more. We advise you to thoroughly review the payment policies provided in your loan documents before signing so you may understand the policy and any potential fees or penalties associated with late or non-payments.

    State Regulations LoanEnroll has a due diligence process in place to aid in ensuring that our partners are abiding by the applicable state and federal regulations. However, LoanEnroll is not responsible for any actions conducted from sources outside its control.Individual states may have their own regulations for lending, including laws pertaining to interest rate limitations, rollover terms, fees, loan terms, recession periods, etc. While LoanEnroll does our best to ensure the lending partners within our network comply with all federal and state regulations, it is necessary for each consumer to educate themselves about their loan offer prior to considering whether or not to accept the offer. This includes the federal and state laws, rules, and regulations that apply.

    Marketing Practices To utilize LoanEnroll’s services, you must agree to our Terms of Service, Credit Authorization Agreement, Privacy Policy, and E-Consent. By proceeding with the use of LoanEnroll’s service, you are requesting to seek pre-qualified loan offers from the lending partners through the sharing of the information that you provide to us.

    By submitting your information on the LoanEnroll website you may also choose to give your express consent to receive marketing and advertising materials from LoanEnroll, our lending partners, and third-party advertising partners with whom we may also share your information. LoanEnroll additionally partners with third party email marketing providers with whom you may receive LoanEnroll marketing from if you have opted in to receiving such emails from the third party.

    You can opt out of receiving email marketing from LoanEnroll at any time by following the instructions here to unsubscribe your email address from future communication.