This Privacy Policy covers PeerLendingNetwork.com's ("Peer Lending Network") treatment of personally identifiable information that Peer Lending Network collects when you agree to receive e-mail marketing from one of our partner websites. It is important that visitors are fully informed about the use of their personal information. Peer Lending Network believes in 100% permission-based marketing.

This Privacy Policy also applies to consumers that have agreed to receive e-mail marketing from Peer Lending Network or our partner websites, via e-mail, third party partner websites, or otherwise. We may share or transfer the personal information that you supply to us, and we may work with other businesses to bring select retail opportunities to our users. These businesses may include, but are not limited to: a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; and (c) telemarketers.

We may also employ other companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from user lists, analyzing data, and providing marketing analysis. These agents have access to our users' personal information as needed to perform their functions for Peer Lending Network, but we do not permit them to use your personal information for any other purpose.

Additionally, Peer Lending Network purchases and manages e-mail lists generated by affiliate websites and organizations. Users may remove themselves from a specific mailing list by utilizing the unsubscribe options that are present and available at the end of each e-mail that Peer Lending Network sends on behalf of the list owner. Unsubscribing from one list will not automatically unsubscribe a user from all lists.

You may unsubscribe from any of our e-mail marketing programs at any time. In every e-mail communication we send, there is an unsubscribe hyperlink that allows the recipient to unsubscribe from that specific marketing program by simply clicking the hyperlink provided and following the instructions provided. We attempt to process all unsubscribe requests in a prompt fashion. However, after unsubscribing, we cannot guarantee that you will never receive another mailing from us, because we may obtain your e-mail address in the future through a different e-mail marketing program that you have opted into. We can guarantee, however, that if you should ever receive another e-mail communication from Peer Lending Network, you will be able to remove your e-mail address via the unsubscribe hyperlink. Peer Lending Network is able to offer its free services, in part, based upon the willingness of our users to be contacted by our marketing partners, including affiliated third party advertisers. By allowing Peer Lending Network to make the information you supply available to our marketing partners, you will receive free product and service information that may be of interest to you. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please click here or email us .

Peer Lending Network may employ "cookies" to help customize your access to the Website, and for the delivery of targeted advertisements. A cookie is a piece of data stored on your hard drive containing information about you. Cookies have many benefits to enhance your experience at our Website and to facilitate the receipt of targeted advertisements. For instance, by setting a cookie on our Website, a user would not have to log in a password more than once, thereby saving time while on our Website. Even in the case where a user rejects a cookie, he or she may still use our Website.

We use cookies to track, monitor and target the interests of our users to further enhance the experience on our Website, and for subsequent advertising and/or delivery purposes. To find out more about cookies, please visit http://www.cookiecentral.com/ . To disable and reject cookies, click here . In addition, for the purpose of formatting and delivering future campaigns, Peer Lending Network may employ pixel tags (also known as clear gifs) to track: 1) the pages that our users visit on affiliate and/or partner websites; and 2) user opens of, and clicks on, our targeted email advertising. To disable pixel tracking generated targeted advertising, click here . We reserve the right to employ user source information, including applicable category and interest(s), for the marketing of targeted e-mail messages on behalf of our clients. This source information may be shared with our third party marketing partners. Peer Lending Network reserves the right to retain cookie and pixel tag data indefinitely

Peer Lending Network reserves the right to provide aggregate or group data about Peer Lending Network users for lawful purposes. Aggregate or group data is data that describes the demographics, usage, or characteristics of Peer Lending Network participants as a group, without disclosing personally identifiable information. By opening a Peer Lending Network account, you agree to allow Peer Lending Network to provide such aggregate data to third parties. By agreeing to these terms, you hereby consent to the disclosure of any record or communication to any third party when Peer Lending Network, in its sole discretion, determines the disclosure to be appropriate. Additionally, when you open, preview or click on the advertising portion of our e-mails and/or those of our marketing partners and/or affiliates of Peer Lending Network, you have agreed to the terms set forth in our Privacy Policy, and agree that as a function of opening, previewing or clicking on the advertising portion of our e-mails, that you will receive new or additional marketing communications from us, our marketing partners and/or affiliates of Peer Lending Network.

Peer Lending Network also reserves the right to release current or past user information in the event that Peer Lending Network believes that:1) the user is using, or has used, services of Peer Lending Network in violation of the terms and conditions, to commit unlawful acts; 2) if the information is subpoenaed; 3) if Peer Lending Network is sold or acquired; or 4) when Peer Lending Network deems it necessary or appropriate including, without limitation, sharing your e-mail address with other third-parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission enabling regulations.

In addition, by registering at the Website, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the "Rule"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the Rule.

To the extent that user credit card-specific information is collected by Peer Lending Network and/or any of its affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the user's prior informed consent. Notwithstanding the foregoing, Peer Lending Network, its affiliates and/or subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific users but they will not share the specific credit card information with third parties without the user's prior informed consent.

To the extent that User credit card-specific information is collected by Peer Lending Network and any of its affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the User's prior informed consent. Notwithstanding the foregoing, Peer Lending Network and its affiliates and/or subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific Users but they will not share the specific credit card information with third parties without the User's prior informed consent.

We endeavor to safeguard and protect our users' information. When users submit information at the Website, their information is protected both online and offline. The privacy of your personal information is very important to us. The servers in which we store personally identifiable information are kept in a secure physical environment. Peer Lending Network has security measures in place to protect the loss, misuse, and alteration of personal information under our control. Currently, Peer Lending Network uses Secure Socket Layer Software ("SSL") to protect data and to secure any transactions. SSL encrypts information, including credit card numbers, names and addresses as they are transmitted over the Internet. Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, Peer Lending Network cannot warrant that your information will be absolutely secure. Any transmission of data at or through our Website is at your own risk. However, access to your information is strictly limited, and not accessible to the public. Our employees are dedicated to ensuring the security and privacy of all Peer Lending Network user information.

Users under eighteen (18) years of age are not allowed to participate in sweepstakes or game promotions offered by Peer Lending Network. No information should be submitted to, or posted at, any Peer Lending Network website property by visitors under eighteen (18) years of age without the prior consent of their parent or guardian. Notwithstanding the foregoing, children thirteen (13) years of age and younger are not permitted to access the Website, and we do not knowingly collect personal information from such children. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Users may receive e-mail confirming their registration with Peer Lending Network, as well as promotional marketing of commercial products and services.

Your Acceptance of These Terms
By providing your personal contact information you understand and agree that you are expressly requesting and consent to receive electronic mail and return telephone calls from Peer Lending Network or its third party marketing partners, and that Peer Lending Network or the third parties are expressly authorized by you to share and transfer your personal information to the independent third parties. Peer Lending Network may refer your inquiry to third parties that are qualified to respond.

By using this site, including, without limitation, signing up for offers and/or continuing to receive information from Peer Lending Network, you agree to the Peer Lending Network Privacy Policy. We reserve the right, at our discretion, to change, modify, add, and/or remove portions of this Privacy Policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Peer Lending Network website. Please check this page periodically for changes. Your continued use of the Peer Lending Network website or acceptance of our e-mails following the posting of changes to these terms will mean that you accept these changes and agree to continue receiving e-mails from us. If you do not agree to the terms of this Privacy Policy, please unsubscribe by clicking here . If you have any questions about this Privacy Policy, please contact us.