Date of Last Revision: August 17, 2018
Information We Collect
Personally Identifiable Information
Non-Personally Identifiable Information
BrightRates may share this non-personally identifiable information only in summary form with its partners for the purpose of aggregate web site statistical and trend analysis. This information is not associated to any personally identifiable information that can identify an individual person.
How We Use Your Information
We may review and use your financial information and your social security number to match you with participating lending partners in our network or other third party lending partners with whom we have a business relationship. We may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions.
Disclosing Personally-Identifiable Information
BrightRates may share your personally identifiable information (including, without limitation, your financial account information and social security number) with lending partners participating in our network and other third party lending partners with whom we have a business relationship. These third party lending partners may use your personally identifiable information to offer you a personal loan or to communicate with you about other business or promotional offers.
BrightRates will disclose your personally identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or otherwise required by law. We will disclose your personally identifiable information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property, or safety of our company, our employees, our website users, or others; or to enforce our website terms and conditions or other agreements or policies.
Your Choices About The Use Of Your Information And Opting Out
When you submit your information on BrightRates, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the ‘Unsubscribe’ link on our site. Please allow for up to 10 business days for your request to be to processed. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.
California Privacy Rights
California Civil Code Section 1798.83, also known as the ‘Shine The Light’ law, permits users who are residents of California to request and obtain once a year, free of charge, information about the information (if any) that was disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information with in the preceding calendar year. If you are a California resident and would like to make a request, please submit your request in writing to Admin@BrightRates.com.
Security – How We Protect Your Information
BrightRates takes appropriate and reasonable security measures to help safeguard your personal and sensitive information. The information you enter into this website is protected using industry-compliant 256-bit encryption technology, keeping your information safe from unauthorized access, use, modification and disclosure. Transmission is also secured by secure socket layer technology (SSL). 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.