HighlyRated does not itself host the Site – all hosting is done by third party hosting providers that we engage. This means that information you provide us or that we or third parties collect from you (including any Personal Information) is hosted with such third party service providers on servers that they own or control. Regardless of where such third party service providers themselves are based (and some are US-based), their servers may be located anywhere in the world (including the US). Your information may even be replicated across multiple servers located in multiple countries. So please be aware that you are consenting to your information being transferred to various third party service providers around the world.
Generally speaking, HighlyRated receives information because:
(a) You have provided it to us;
(b) We collect it from you; and/or
3. Information You Provide To Us. Currently, we require you to provide us with certain types of information in order to use the Site and some of its features and services. Here are some examples:
3.1. Lead Generation. The Site lists and compares various businesses and commercial entities (collectively, "Partners") and their respective products and/or services (collectively, "Products"). If you want to receive more information about a Partner or a Product, or if you otherwise want to pursue a transaction with a Partner, and you click through the relevant Partner icon or tab, you may be directed to a landing page (the "Landing Page"); similarly, you may also be directed to the Landing Page through other websites and online searches. In either case, however, you will be prompted to submit certain information on the Landing Page, including Personal Information such as your name, email address, and phone number (such information collectively, "Landing Page Info"). You agree that your submission of Landing Page Info also establishes a relationship between you and the Partners to/with whom we send or share the Landing Page Info.
3.2. ‘Contact Us’. If you send us a ‘Contact Us’ (or similar) request, whether by submitting an online form that we make available, by sending an email to an email address that we display, by using a feedback or reporting feature, or by other means, you may be required to provide us with certain Personal Information, such as your name and email address.
3.3. Blogs, Newsletters, Surveys and Promotions. The Site may contain a blog forum, reviews, and articles displaying information about HighlyRated, our services, Partners, Products, and the relevant market vertical. The Site may also offer you the opportunity to subscribe to newsletters and participate in surveys and other promotional activities (some of which may be administered by HighlyRated, and some of which may be administered by third parties we engage, such as TrustPilot). In each of the foregoing cases, your interaction (such as responding on the blog forum, subscribing to a newsletter, or participating in a survey) may require you to provide certain Personal Information such as your name and email address.
4. Information We Collect From You. We collect information (including Personal Information) from you in the following ways:
4.1. Log Files; Device and Usage Data. We collect information through server log files, but also by deploying tracking technologies within the Site (which may include tracking technologies of Partners). We do this to analyze trends, track user movement around the Site and user clicks through to other websites, gather demographic information, and to generally collect information that we may find insightful or helpful. The type of information collected may include (but is not limited to) internet protocol (IP) addresses, MAC address, device type, browser type, browser version, operating system type, screen resolution, user agent, user identifier, user language, URLs and traffic channels (such as the previous URLs or platforms you visited), keyword searches and bids, city, region code, country, latitude, gender, age, Internet Service Provider (ISP), date/time stamp of Site use, referring/exit pages, clicks, timing for clicks and pageviews, and clicked pages. For example, the Site uses Google Analytics, more information on which you can find here: https://www.google.com/intl/en/policies/privacy/partners/.
4.2. Cookies and Other Tracking Technologies. The Site may use "cookies" and other tracking technologies (such as "web beacons" and "pixel tags"). A cookie is a text file placed on your hard drive and stored by your browser. Some of the cookies are set by us, and some may be set by third parties (for example, social media plug-ins on the Site, such as a "Like" button, involve the setting of cookies by the applicable third party). If you do not want to receive cookies, consult your respective browser settings. This may allow you to receive notifications when cookies are set, or to otherwise block cookies altogether. You may also be able to delete cookies that have already been set. If you do block or restrict cookies, you will still be able to use the Site, but various features and functionality may be impaired.
We may also contact you to discuss and share information about Partners and their respective Products, as well as about partners, products, and services listed on other websites that are affiliated with us. The way in which we contact you may be via email, phone, cell phone (including use of automated dialing equipment and pre-recorded calls and messages), and/or text messages (SMS/MMS), and we may contact you using Landing Page Info as well as Personal Information collected from you as described in Section 3.4 (Blogs, Newsletters, Surveys and Promotions).
5.2. To Generally Provide You With the Site. We will use your Personal Information to: (a) administer and provide the Site to you; (b) further develop and generally improve the Site; (c) send you updates, promotions, offerings, or other news of/about the Site and/or HighlyRated; (d) respond to your inquiries and other communications with you; (e) identify or authenticate your access and use of the Site; and/or (f) send you advertisements or other third party marketing content.
Current third parties with whom we work include, but are not limited to, Google, Microsoft, Facebook, Acxiom, Transunion, and Experian.
6. Publicly Available Information. Any content that you make publicly available on or via the Site will be publicly available to other users of the Site. If you actively or passively allow your contact information to be public, you may receive unsolicited messages or activity from other users of the Site. We therefore encourage you only to post information that you are sure you want to be publicly accessible.
7. Access and Accuracy; Deletion. We would like to maintain accurate Personal Information. If you would like to delete or correct your Personal Information that we may be storing, please contact us at contact@HighlyRatedpersonalloans.com to request deletion (although we do not undertake to respond to, or otherwise implement, the request within any specific period of time). Please be aware that information deleted (whether directly by you or pursuant to a delete request) may or may not be deleted permanently, and may remain stored on our servers. We, in our sole and absolute discretion, decide whether or not to permanently delete information from our servers.
8. Opt-Out. You may choose not to receive future promotional, advertising, or other Site-related emails from us by selecting an unsubscribe link at the bottom of each email that we send. Please note that even if you opt out of receiving such emails, we may still send you administrative emails to facilitate your use of the Site.
10. Children’s Privacy. The Site is not designed to attract children under the age of 13. Accordingly, we do not intend to collect Personal Information from anyone we know to be under 13. If we learn that we have collected Personal Information from a child under 13, we will use commercially reasonable efforts to delete that information as quickly as possible. If you believe that we might have any such information, please contact us at contact@HighlyRatedpersonalloans.com.
11. Security. We use administrative, physical and technical safeguards to protect Personal Information. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we try to use reasonably acceptable means to protect your Personal Information, we cannot guarantee its absolute security or confidentiality. If you have any questions about security on the Site, you can contact us at contact@HighlyRatedpersonalloans.com.
12. Merger, Sale or Bankruptcy. In the event that HighlyRated or one of our affiliated entities is acquired by, or merged with, a third party entity, or otherwise sells all or part of our/its assets, we may (and hereby reserve the right to) transfer or assign the Personal Information and other information we have collected or received. In the event of a bankruptcy, insolvency, receivership, or comparable event, we may not be able to control how your Personal Information is treated, transferred, or used.
13. California Privacy Rights. California Civil Code Section 1798.83 permits our customers who 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 contact@HighlyRatedpersonalloans.com. Please note that we are only required to respond to one request per customer each year.
14. Our California Do Not Track Notice. We do not currently respond or take any action with respect to web browser “do not track” signals or other mechanisms that provide users the ability to exercise choice regarding the collection of Personal Information about that user's online activities over time and across third-party web sites or online services. We may allow third parties, such as companies that provide us with analytics tools, to collect Personal Information about an individual consumer’s online activities over time and across different web sites and services when a user uses the Site.
15. Deletion of Content from California Residents. If you are a California resident under the age of 18, California Business and Professions Code Section 22581 may permit you to remove content or information you have publicly posted. If you wish to remove such content or information and you specify which content or information you wish to be removed, we will do so in accordance with applicable law. Please be aware that after removal you will not be able to restore removed content or information. In addition, such removal does not ensure complete or comprehensive removal of the content or information you have posted and that there may be circumstances in which the law does not require us to enable removal of the content or information.
Last updated: July 19, 2016