Online Privacy Notice
Esprit Lending takes your online privacy seriously. Our parent company, Esprit Enterprises, along with Esprit Lending, collectively know as “Esprit” respect your need for online safety and privacy.
Our Online Privacy Notice (the “Notice”) describes the information we collect from and about you during your visit to our online interfaces (websites and mobile applications) owned or controlled by us (the “Site”). It also describes how we use information about you, with whom we share it and how we protect it. This Notice applies only to those Esprit interfaces that link directly to this Notice.
It’s important to know that our website may contain links to third party sites not controlled by Esprit or covered by this Notice. We recommend that you check the privacy statements of other sites you visit before providing any personal information.
Once you become a customer of Esprit, and once a year while you remain a customer of Esprit, we will provide you with an Esprit Consumer Privacy Notice that describes our privacy practices and provides you choices in the sharing of your information, as required by law.
Personal Information We Collect
We collect Personally Identifiable Information (“PII”) about you from the information you provide to us when you visit our websites. This information may include, but is not limited to:
- Name
- Address
- Social Security number in whole or in part
- Phone numbers (including mobile)
- Email address
- Date of birth
- Current residential information including mortgage or rent payments
- Employment information
- Income information
- Insurance company information
- Insurance agent information
We use personal information collected online for various functions, which may include:
- processing your request for services, products or information
- improving our customer service
- servicing your account
- facilitating your participation in online activities
For example, we may use the information you provide when you complete an online application for a product or service in order to process and evaluate your application. If you request product information, we may use the information you provide to mail you information you request.
We may also use the information you provide to contact you regarding your account and to process or collect payments. In addition, we may collect and use information for analytic purposes, market research or for marketing purposes, as allowed by law.
How Personal Information Is Shared
We may share the personal information we collect about you with third parties, such as companies performing services on our behalf to provide the products or services you have requested.
As permitted by law, we may also share information collected about you with companies with whom we have formal agreements to offer you financial products and services.
Finally, we may disclose your personal information as otherwise permitted or required by law.
Security Of Your Personal Information
We restrict access to the personal information obtained from our website to only those employees, agents and contractors who need it to do their jobs. We maintain administrative, technical, and physical safeguards designed to protect your personal information.
Additionally, companies that provide online services on our behalf are required by contract to protect customer information. They are only allowed to use the information they collect for the purpose of providing the services that we have contracted to them.
Personal Information About Children
We do not knowingly collect or maintain personal information about children under the age of 13 unless the personal information is provided by a parent, legal guardian or authorized adult. Our websites are not intended for children under 13. Visit the Federal Trade Commission website for more information on the Children’s Online Privacy Protection Act (COPPA).
Changes to this Notice
This Notice is effective May 1, 2017. We reserve the right to alter this Notice at our discretion. Any change to this Notice will be posted on our Sites in a timely manner.
Social Security Number Privacy Protection Policy
The Esprit group of companies (Esprit) collects Social Security numbers as necessary to support state and federal legal requirements to provide products or services to you. To support these requirements, we restrict the access to Social Security numbers only to employees, agents, service providers, and government entities that require access to Social Security numbers to meet these purposes. We strive to protect Social Security numbers from unlawful disclosure and keep them confidential by maintaining administrative, technical, and physical safeguards that comply with applicable state and federal regulations.