Definitions and legal references
This Website (or this Application)
The property that enables the provision of the Service.
Owner (or We)
loanscalc.org – The natural person(s) or legal entity that provides this Website and/or the Service to Users.
User (or You)
The natural person or legal entity that uses this Website.
Personally Identifiable Information
Refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, social security number, and credit card information. Personally Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.
A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns.
What Personally Identifiable Information is collected?
When you visit the Website we collect usage statistics and other data, which helps us to improve our Website and related services, provide better user experience, prevent or assess security risks, measure the performance of our marketing and advertising campaigns, detect and protect against fraudulent transactions and other suspicious activities. In some cases, we may ask you for the following information: name, phone number, gender, date of birth and email address (in the contact form). We additionally collect the following additional information from our Users: that the User intends to purchase or sell. It is your sole decision whether to provide us with the requested information or not. However, if you choose to withhold requested information, we may not be able to provide you with access to the Website, possibility to provide services via Website Depending upon the activity, some of the information that we ask you to provide is identified as mandatory and some as optional.
From where Personally Identifiable Information is provided by third parties?
How does the Website use Personally Identifiable Information?
We use Personally Identifiable Information to customize the Website, to make appropriate service offerings, and to fulfil buying and selling requests on the Website. We may email Users about research or purchase and selling opportunities on the Website or information related to the subject matter of the Website. We may also use Personally Identifiable Information to contact Users in response to specific inquiries, or to provide requested information. Grounds for Processing Your Personal Information We process your Personal Identifiable Information based on the following grounds:
How is Personally Identifiable Information stored?
Personally Identifiable Information collected by loanscalc.org is securely stored and is not accessible to third parties or employees of loanscalc.org except for use as indicated above. We only retain your Personally Identifiable Information for as long as is necessary for us to use your information as described above or to comply with our legal obligations and legitimate interests. For instance, we may retain your data as necessary to meet our legal obligations, such as for tax and accounting purposes.
What options are available to Users regarding collection, use and distribution of the information?
Users may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by either :
What are cookies?
A “cookie” is a text file of letters and numbers that websites send to a visitor’s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an Internet tag, pixel tag or clear GIF, links web pages to web servers and their cookies and may be used to transmit information collected through cookies back to a web server. We and our third-party service providers may use beacons to help us track response rates, identify when webpages are accessed or other types of interactions – such as forwarding – and for other purposes listed below.
The term “cookies” includes cookies, tags and pixels.
By dropping a cookie on a website user’s internet device – for example, their computer, laptop or smartphone – the website can recognise that user’s device and store information about the user’s preferences or past actions. Cookies may also allow the website to recognise the user when the user returns to the website.
A Summary of the Different Types of Cookies
Strictly Necessary Cookies
These are cookies that are required for a website to function. They are used to ensure the safety, security and integrity of our website, as well as to enable users to move around the website and use its features. For example, they help support the structure of the pages that are displayed to website users, help to improve navigation and allow website users to return to pages they have previously visited. This type of Cookie only lasts for the duration of the time website users are visiting the website. When a user leaves the website, they are deleted automatically.
Cookies categorized as Strictly Necessary cannot be turned off and the consent of the website user is not legally required before their use – we therefore do not seek your consent before using cookies that are strictly necessary.
Performance Cookies or analytical Cookies
These cookies are used to collect information about how users use a website, for instance which pages users go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. The data from such cookies are aggregated and anonymised, which means that we cannot identify a user as an individual. We ask for your consent before these types of cookies are used.
These are used to recognise a website user when they return to a website. This enables a website owner to personalise content for that user, for example by:
These cookies cannot track browsing activity on other websites and the information they collect may be anonymised – but they will be able to identify a user’s device. These cookies will remain on a user’s device until the user chooses to clear them. If a user chooses to do this, they will subsequently need to enter their details the next time they visit the website.
These Cookies will collect information about a user’s browsing habits and allow the website owner to show the user adverts while they are browsing the website or other websites on the internet. They are set by the website owner or by third parties acting on behalf of the website owner and last for variable periods of time.
They may be used to deliver targeted advertisements to website users or to limit the number of times a visitor will see an ad. They are usually placed by advertising networks with the website operator’s permission. They remember that a visitor has visited a website and this information is shared with other organisations such as advertisers.
Blocking or restricting Cookies
These cookies can be used to stop cookies being used on a website user’s device by activating a setting on the website user’s browser that results in blocking the deployment of all or some cookies. Please visit www.allaboutcookies.org to find out how.
If browser settings block cookies then the internet user may not be able to access all or parts of certain websites.
Social Media Cookies
These cookies are set by social media services and are added to a website to allow website users to share content with their friends and connections. These cookies can track browser use across websites to build a profile of a visitor’s interests. This may impact the content and messages seen on other websites.
What Cookies does our Site use?
Our website uses the following cookies, which are grouped by cookie type to help you understand why each is used:
Cookies used by our service providers
Also, we use the following third-party services to allow you to share our content on your social network platforms:
You can disable cookies using your browser settings: please refer to the specific instructions for your browser. Understand, however, that some of the features available through our website may not work properly.
How does loanscalc.org use login information?
loanscalc.org uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyse trends, administer the Website, track a User’s movement and use, and gather broad demographic information.
What partners or service providers have access to Personally Identifiable Information from Users on the Website?
How does the Website keep Personally Identifiable Information secure?
All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Users is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Users for any such occurrences.
How can Users correct any inaccuracies in Personally Identifiable Information?
Users may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by either:
Can a User delete or deactivate Personally Identifiable Information collected by the Website?
We provide Users with a mechanism to delete/deactivate Personally Identifiable Information from the Website’s database by contacting. However, because of backups and records of deletions, it may be impossible to delete a User’s entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward.
What are the rights of the User?
These are summarized rights that you have under data protection law:
We do not knowingly process personal data from persons under 16 years of age. If you learn that anyone younger than 16 has provided us with personal data, please contact us at insert the email address to be used.
Links to other websites
loanscalc.org contains links to other websites. Please note that when you click on one of these links, you are moving to another website. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours.
Last Updated: May 29, 2021