Data Privacy and Use Policy 

Last updated: January 1, 2019

 

Glocodes Financial is dedicated to providing informative and useful borrower and lender products and services through online, mobile, and other software and related systems and platforms, as well as any in-person, telephone, or other offline locations or through other aspects of Glocodes Financial business (collectively, the “System”), including, without limitation, on and through the domain name www.glocodesfinancial.com and/or other portion of the System designated by Glocodes Financial from time to time. As a part of the operation of the System, Glocodes Financial gathers certain data about users.

 

This Data Privacy and Use Policy (“Policy”) applies to the System and governs data collection and usage at, on and through the System. Please read this Policy carefully. Each time you use, browse, or otherwise access any part of the System, you signify your acceptance of the then-current Policy, including, without limitation, the then current terms found elsewhere on the System. If you do not agree with this Policy, you are not authorized to access or otherwise use the website, mobile application, or any other part of the System.

Data Collected

You acknowledge that any personal information provided or collected through the System is voluntarily provided to Glocodes Financial from you. As you navigate any part of the System, you will find that there are several online forms or other locations which you can use to request information regarding a specific product or service. In order forGlocodes Financial to effectively enable the System and allow access to certain content or otherwise facilitate Glocodes Financial business, Glocodesdoes collect and use certain data. Two types of data are collected: (a) personal data, such as names, company names, postal addresses, e-mail addresses, telephone numbers, occupation, dates of birth, age, gender, financial information, credit card information, bank account information, social security information, product and/or service preferences, photographs, and comments that can be used to uniquely identify or contact a single person (“Personal Data”); and (b) non-personal aggregate or traffic data, such as your IP address, which web pages or portions of the System you are visiting, the order in which the areas are visited, unique device identifier, time zone, which hyperlinks or functions are being “clicked”, how many users are visiting or accessing the System, vehicles sites viewed, domain server, location-based or real-time geographic location information, type of computer or device, and type of web browser (“Traffic Data” and together with Personal Data, the “Collected Data”).

Collection and Usage

Personal Data is gathered when users provide or authorize Personal Data to or through the System, for example, when registering with the System, requesting a quote, selecting certain loan related information, participating in an online survey, inputting content into the System, verifying user credentials, purchasing products or services, allowing access to social media networks, or utilizing any other Glocodesproduct or service through the System. Personal Data is also gathered about others when users share content with family, friends, or other contacts, without limitation, the name, email address, phone number, and mailing address.

 

Traffic Data is tracked and gathered when you and other users visit or access the System. While gathering Traffic Data may not collect Personal Data, it may provide information on the geographical location from which users access the System. Traffic Data generally does not identify individual users. Instead, the Traffic Data identifies System users, as a whole, including demographic information, preferences in content and advertising, quality of service, and web and application traffic patterns.

Glocodes Financial may, in Glocodes Financial sole and absolute discretion, release and disclose the Collected Data to affiliated or contracted persons, associations, or other entities of whatsoever nature, including, without limitation, strategic alliances and advertising affiliated persons and/or entities (the “Related Parties”) or to any law enforcement agency, court, or other governmental authority to: (a) help Glocodes Financial respond to your requests for information, goods or services and/or otherwise fulfill a user’s lawful request; (b) respond or otherwise comply with subpoenas, court orders, or other edicts of the law or legal process; (c) protect and defend GlocodesFinancial’srights and property; or (d) to protect the personal safety of GlocodesFinancial’susers, GlocodesFinancial’s employees, or the public.

 

For instance, Glocodes Financial may use your Personal Data to: (1) send you information about Glocodes Financial and its products, updates, services, important notices, special offers, and/or upcoming promotions; (2) send you information about the Related Party’s products and services; (3) conduct surveys about your opinion of Glocodes Financial, its staff, performance, products and services or the System; (4) verify your qualifications for certain promotions, special offers, products and services; (5) bill you for any products and services purchased through the System via a credit card, electronic, or other payment; and (6) customize, improve, and/or tailor your experience on the System by displaying content that Glocodes Financial thinks you might be interested in according to your preferences.

 

Where appropriate, in GlocodesFinancial’ssole and absolute discretion, Glocodes Financial may provide notice to you. For example, Glocodes Financial believes it may be necessary to share information with or without notice in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the website terms of use, or as otherwise required by law.

 

Glocodes Financial may, in GlocodesFinancial’s sole and absolute discretion, release and disclose the Collected Data to any persons, associations, or other entities of whatsoever nature not affiliated with Glocodes Financial (the “Non-Affiliates”) for the purpose of facilitating your instructions, requests and/or registrations for products or services provided by Glocodes Financial or the Non-Affiliates (including, without limitation, customer support, information technology support, credit card or other electronic payment processing and personal profile services) when the transfer of such Collected Data is necessary to provide you with such products or services. By selecting, instructing, requesting, reserving and/or registering for such products or services from Glocodes Financial or the Non-Affiliates on or through the System, you consent to the release of your Collected Data to the Non-Affiliates. Glocodes Financial shall use reasonable efforts to provide the Non-Affiliates access only to the Personal Data necessary to assist in responding to your instructions, requests, and/or registrations for such products or services and cause such Non-Affiliates to use your Personal Data for these limited purposes.

 

Glocodes Financial may also disclose, release, transfer, sell, or otherwise convey any Collected Data to prospective or actual buyers, sellers or persons and/or entities related to such actions by Glocodes Financial including, without limitation, Glocodesmay transfer information about you if Glocodes Financial is acquired by or merge with, or otherwise sell any portion of GlocodesFinancial’sassets or equity to any other company.

 

You consent to any and all such conveyances of the Collected Data regardless of your location and your consent includes any and all such conveyances outside of your location, including, without limitation, in the United States and in other countries and territories.

Opt Out

In the event thatGlocodes Financial wishes to transfer or release your Personal Data to a third person or party in a manner not set forth in this Policy, Glocodes Financial shall inform you prior to such transfer or release and provide you with the ability to opt out of such transfer or release of Personal Data. Please contact Glocodes Financial at admin@glocodesfinancial.com if you have any questions as to how to opt out of any specific disclosures, or any marketing or other programs.

Cookies and Related Files

Glocodes Financial through the System, may place small files, called ‘cookies’ onto your computer or electronic device, as well as related files, such as web beacons, pixel tags, or other means. Glocodes Financial may use such files or Internet protocol addresses for a number of reasons, such as record keeping purposes when you visit visits, identifying you as a unique user, simplifying the process of recording personal information (such as enabling users to not have to enter names, addresses or passwords repetitively), allowing Glocodes Financial to better understand how users use the System and help Glocodes Financial tailor the System or marketing message to better match needs and interests.

 

You may be able to program your browser to not to accept cookies or other files, but if you do, you may be unable to access some parts of the System or some parts of the System may not work properly.

 

While on the System, you may receive cookies from third party advertisers or promotional entities. These cookies are outside the control of Glocodes Financial, are not subject to the Policy, and Glocodesis not responsible for such third party cookies.

Links to Third Party Sites

The System may contain links to other websites or media not operated or controlled by Glocodes Financial. These links are provided as a convenience to the visitors of the System. Since Glocodes Financial does not operate or control linked websites or media, Glocodes Financial cannot be responsible for the personal information collection and use policies of such linked websites or media. Therefore, you should review the privacy policy of linked websites or media prior use to use or giving personal information.

 

For example, chat rooms, forums, message boards, links to third party websites or mobile applications (including social media websites and mobile applications), and/or news groups may be available through the System. While Glocodes Financial will only use and disclose the Collected Data as set forth herein, any information disclosed in these areas is or may be deemed public information and you must exercise caution and discretion when deciding to disclose personal and non-personal information.

 

Additionally, please keep in mind that if you directly disclose Personal Data or personally sensitive data through your home page, linked sites, or other public forums, this information may be collected and used by others. Glocodes Financial encourages all users to review the privacy statements of websites and/or mobile applications you choose to link to from the System so that you understand how those third parties collect, use and share information about you and/or your electronic devices. Glocodes Financial is not responsible for the data collection, data usage, privacy statements or content on other websites, applications or other solutions.

Measures to Safeguard Children

GlocodesFinancial’s products and services are not directed or intended for the use of children or users under the age of 18. Glocodes Financial encourages parents and guardians to spend time with their children online and to be fully familiar with the websites and other software visited by their children. At various places on the System, Glocodes Financial may ask users whether they are 18 years of age or older or of proper legal age. Glocodes Financial relies on users to be truthful in responding to these questions. Glocodes Financial does not knowingly collect or maintain personal information from children under 13 years of age. If Glocodes Financial learns that personal information of a child under 13 years of age has been collected, Glocodes Financial will take steps to delete the information as soon as possible. If you are under 18 years of age or the proper legal age, you are not allowed to use or access the System at any time or in any manner and any such use is unauthorized.

 

Except where required in accordance with law, law enforcement agency, court, or other governmental authority, Glocodes Financial does not intentionally solicit Personal Data from individuals under 18 years of age. A parent or guardian whose child provided Personal Data to Glocodes Financial without the parent’s or guardian’s consent should immediately notify Glocodes Financial of such disclosure in writing to the contact provided below. Glocodes Financial, upon receipt of such written notice, shall take reasonable measures to remove such disclosed information from GlocodesFinancial’sdatabase and/or notify the appropriate authority.

Security

Glocodes Financial has implemented security measures to help protect the Personal Data. For example: (a) Glocodes Financial stores Personal Data on servers that are in one or more physical locations that are monitored and accessible by a limited authorized set of individuals and (b) certain Collected Data is obtained through a web form and transmitted using secure socket layer (SSL) or other secure technology as may be determined by Glocodes Financial from time to time. Although Glocodes Financial has implemented such security measures to help protect the Personal Data, the Personal Data may still be accessed, altered, disclosed and/or otherwise used in an unauthorized manner and as such, Glocodes Financial cannot guarantee the security of your Personal Data from unauthorized access, alteration, disclosure and/or other impermissible uses and Glocodes Financial is not responsible for such unauthorized access or other impermissible uses.

Changes to this Policy

Glocodes Financial reserves the right to change or modify this Policy, including, without limitation, to reflect company and user feedback or changes in applicable law. Please revisit this Policy from time to time for changes and updates. If Glocodes Financial refuses access to you, Glocodes Financial may provide you with the reasons for such refusal upon request; provided, however, that Glocodes Financial reserves the right to refuse to give a reason for such refusal, including, without limitation, where such information contains references to other individuals, such information cannot be disclosed for legal, security or commercial reasons, or the information is subject to attorney-client or litigation privilege. Your continued use of the System constitutes your consent to any and all such changes.

Governing Law/Claims

This Policy, the System, and any claim associated with, related to, or arising from the Policy and/or System are governed by the law of the State of Nevada within the United States. Any claim associated with, relating to or arising from this Policy or the System shall be brought in a federal or state court in the County of Clark, State of Nevada within one year after the claim arises. You hereby affirm your consent to the sole and exclusive jurisdiction of the courts located in the County of Clark, State of Nevada as the most convenient and appropriate forum for the resolution of disputes concerning this Policy or System. The System is controlled, operated and administered entirely within the United States. Use of the System from locations outside the United States where these practices are illegal or violate any law is prohibited.

System Provided "As Is" and Other Disclaimers

YOU AGREE THAT THE SYSTEM AND ALL GLOCODES FINANCIAL PRODUCTS AND SERVICES ARE PROVIDED “AS IS.” GLOCODES FINANCIAL MAKES NO REPRESENTATIONS, WARRANTIES, OR CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED AND DISCLAIMS ANY AND ALL WARRANTIES, CONDITIONS OR REPRESENTATIONS, WHETHER OR NOT IMPLIED, ORAL OR WRITTEN, WITH RESPECT TO THE GLOCODES FINANCIAL SERVICES, GLOCODES FINANCIAL PRODUCTS, SYSTEM, OR ANY OF THE TRANSACTIONS REASONABLY CONTEMPLATED BY THE PARTIES PURSUANT TO THIS AGREEMENT INCLUDING, WITHOUT LIMITATION, ANY AND ALL IMPLIED WARRANTIES OR CONDITIONS OF TITLE, NON INFRINGEMENT, MERCHANTABILITY, FITNESS OR SUITABILITY FOR ANY PURPOSE (WHETHER OR NOT GLOCODES FINANCIAL KNOWS, HAS REASON TO KNOW, HAS BEEN ADVISED OR IS OTHERWISE, IN FACT, AWARE OF ANY SUCH PURPOSE), WHETHER ALLEGED TO ARISE BY LAW, BY REASON OF CUSTOMER USAGE IN THE TRADE OR BY COURSE OF DEALING

 

GLOCODES FINANCIAL AND GLOCODES FINANCIAL’S REPRESENTATIVES SHALL NOT BE LIABLE TO YOU (OR TO ANY PERSON CLAIMING ANY RIGHT, TITLE OR INTEREST DERIVED FROM OR AS SUCCESSOR TO YOUR RIGHT, TITLE AND INTEREST) WHETHER IN TORT (INCLUDING NEGLIGENCE), CONTRACT OR OTHER LEGAL THEORY FOR INCIDENTAL, INDIRECT, CONSEQUENTIAL OR SPECIAL DAMAGES OF ANY KIND INCLUDING, WITHOUT LIMITATION, LOST REVENUES OR PROFITS, LOSS OF BUSINESS, LOSS OR CORRUPTION OF CONTENT, INTERRUPTION OR COMPUTER FAILURE ARISING OUT OF THIS AGREEMENT, IRRESPECTIVE OF WHETHER THE PARTIES HAVE ADVANCE NOTICE OF THE POSSIBILITY OF SUCH DAMAGES.

Contact Information

Questions about this Policy should be directed to admin@glocodesfinancial.com. Please note that email communications may not be secure. Accordingly, you should not include personal or other sensitive information in your email correspondence to Glocodes Financial.

 

 

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