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Privacy Policy

NOTICE: PRIVACY POLICY UPDATED, EFFECTIVE DATE: June 30, 2013

The Information We Collect

This notice applies to all information submitted or collected by Spotya!. Applicable information includes: name, e-mail address, street address, telephone number (mobile, work, and home), Social Security Number, date of birth, income and employment details, bank information and any other financial, personal and/or demographic data submitted to Spotya!. There are Social Media Icons on the Spotya! website. By clicking on an icon we may collect your IP address and track the pages you visit on spotya.com. A cookie may be set in place to promote the proper functionality of certain features and easy access for future visits. Widgets and Social Media Icons are hosted by either a third party or hosted directly on the Spotya! website. Your interactions with the above mentioned features are governed by the privacy policy of the company providing it. Our website offers public interactive blogs. Any comments made on a blog post may be collected, read and used by others. You may request that we remove your personal information from our blog or community forum. To do so, contact Spotya! at [email protected]. In some cases, removal may not be possible; in this case you will receive notice explaining the reason. We do not request access to track location based information from mobile devices while using or downloading a mobile site or service.

Our Commitment to Privacy

Your privacy is most important to Spotya! We provide this notice in an effort to help you understand our online information practices and your options in regards to the way your information is collected and used. This is done to protect your privacy and safeguard personal information. We make this notice available on our homepage and at every applicable point where information may be requested.

Our Commitment to Security

We have put into place the appropriate physical, electronic and managerial procedures to prevent unauthorized access to your information. Spotya! wants to ensure the correct use of collected information and maintain data accuracy. Accepted industry standards are followed to protect submitted data during transmission, usage, storage and disposal. Keep in mind, no method of transmission of information over the internet or electronic storage is ever 100% secure. There is no absolute guarantee. When you enter sensitive information on the website application forms secure socket layer technology (SSL) is used to encrypt information during transmission.

The Way We Use Information

You agree to our Privacy Policy by using spotya.com. You authorize Spotya! to obtain data from third-parties, (i.e. Social Security Number), when mandatory information is left incomplete or improperly filled out on website forms. Third-party reporting agencies include, but are not limited to: consumer credit bureaus, reporting agencies, and/or other outside party as applicable laws permit. Spotya! determines eligibility for services, products, special offers and will make an attempt to find you another lender. For this purpose, any and all information collected may be used for the aforementioned purpose. Your financial eligibility status may be determined by collected information. Spotya! will only store certain loan-specific financial data upon qualification. Shared information with an applicable direct lender will be maintained pursuant to the terms of that lender’s privacy policy. Should you decide to transmit personal data to Spotya!, it may possibly be used or shared with other direct or non-direct lenders that are considered trusted third party companies including financial service businesses and credit bureaus. Other companies may include third party offers to market products and/or services of similar interest. Spotya! reserves the right to sell, share, rent, or otherwise disclose your information with third party companies in accordance with applicable laws and as described herein. Third party businesses may share your information. This includes but is not limited to marketing services and applications of other direct lender companies. It could include data enhancement, look-up and reference, suppression and validation; e-mail marketers, wireless services providers and telemarketers. Information that Spotya! collectsin their database may be used for the possible purpose of future telemarketing, instant messaging, SMS text-messaging, e-mails or postal mailings. These types of correspondences may include information regarding updates to our website, new products and services we offer, upcoming events, and/or the status of orders and/or loans placed online. By using this website, you are agreeing that we may contact you even if your number is listed on a do-not-call registry or similar registry. This also refers to other companies and/or individuals working on the behalf of Spotya!. Examples include: sending direct and electronic mail, analyzing data, and providing marketing analysis and removal of duplicate information. These outside agents have access to user’s personal information as it is needed to perform necessary functions for our sites, but may not be used for their own marketing purposes. In addition, we may also disclose your personal information as required by law, such as to comply with a legal process. By submitting your information to the website, you agree to receive mobile marketing products and services. This type of marketing can include but is not limited to text-message based marketing also known as “SMS Messages”. This may come directly from Spotya! or from a third party advertiser and/or marketer. You also agree to accept charges based on your individual cell carrier and your particular plan associated with such SMS Messages. You agree to sole responsibility for said charges. By submitting your information you are claiming to be at least 18 years of age and that you are the owner or authorized user of the wireless device on which you receive messages and approve all associated charges. In the event that you want to opt-out of receiving SMS Messages, you can opt-out by texting “STOP” or “OPT-OUT”. You will no longer receive messages from the individual sender. Spotya! retains the right to contact you via SMS Messages regardless of the fact that your cell number is on any state or federal do-not-call list.  Website use and/or registering with it places you in agreement an inquiry and/or application has been made for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.). We reserve the right to contact you by telephone in agreement with the above rule even in the event that your telephone number is listed on the Federal Trade Commission’s Do-Not-Call List. We reserve the right to use personal profile or demographic data in an effort to update our website for marketing and promotional purposes, statistics evaluation, and editorial or comment purposes. Information we collect may be added to our databases for the purpose of using it in future emails, postal mailings regarding site updates, telemarketing, marketing of new products and services, as well as upcoming events, and/or status of orders placed online. Please see “Your Opt-Out Rights” below.

Surveys or Contests

Spotya! may offer you the opportunity to participate in occasional surveys. We request certain personally identifiable information from you should you choose to participate. Participating in any of our surveys is completely voluntary and therefore it is your choice to disclose any of your information for this purpose. Information for this purpose typically includes contact information such as name, telephone number, email and shipping address including zip code. This information is used to improve and personalize our sites, as well as monitor site traffic.

Electronic Disclosure

When you submit your information via Internet, you are agreeing to select certain electronic notifications, documents, and/or disclosures. This Consent to Electronic Disclosures is applicable to all information provided by you to Spotya! and as well as any other direct lender communications. Should you choose to abolish your permission prior to submission you can do so by closing your web browser or simply leave the page. You may be able to retract your consent following submission in regards to future electronic disclosures from a direct lender by contacting the specific lender directly.  You acknowledge, that due to rules regarding the timing of delivery of disclosures that an opt-out notice may not be received by a third party lender. It is not the responsibility of Spotya! nor do we process opt-out communications for third party direct lenders. Each third party lender is responsible for establishing its own rules regarding opt-out features for further electronic communications and disclosures. Our partner or any third party lender will send all notifications, documents and/or disclosures to you electronically by: e-mail, secure customer accessible website page provided to you via e-mail notification, direct posting on spotya.com or direct lender’s site, SMS text messaging to your mobile device or posting on designated website. All disclosures, notifications and/or material sent to you electronically or in paper format from Spotya! or third party lender are considered “in writing,” and it is recommended that you retain a paper copy for your own records. All communication records are available at no charge from Spotya! or other third party lender’s website by printing yourself when applicable. You must have Internet access, an e-mail account with Internet service provider e-mail software, and sufficient electronic storage capacity, to view and retain the notifications, disclosures, and/or documents available to you in electronic form. By submitting your information you agree to the federal Electronic Signatures in Global and National Commerce Act applied to: your consent to accept notices, disclosures and/or electronic documents. You also agree to any of our or third party lenders’ may contact you electronically according to the information you provided. By completing and submitting your information, you voluntarily agree to receive notifications, documents and/or disclosures from us and any other third party lender in electronic format. You agree to transfer accurate e-mail address and other mandatory data requested from this Site and all affiliated properties. You affirmatively demonstrate your ability to access notifications, documents and/or disclosures in electronic form and confirm that you have provided a current email address at which electronic notifications, documents and/or disclosures can be sent to you. It acknowledges that you have read and reviewed the terms contained in this Electronic Disclosure section and that you agree to the terms contained in this Electronic Disclosure section. Spotya! in accordance with Lending Leaves and any other third party direct lender, protect their sole rights and discretion to use them to discontinue electronic notifications. A notice will be sent to you if any termination or informational change occurs as we are required by law. In an effort for us to assist with electronic transactions you hereby acknowledge and give permission to Spotya! so that we may store all records electronically. Neither Spotya, Lending Leaves or any other third party lender is obligated to hold onto any paper or electronic documentation for any given amount of time as needed beyond what is required by regulations. Original paper work, electronic notices, documents and/or disclosures will be regularly destroyed, once regulations require them to be. Electronic record storage may happen via scanning, filming, imaging or other technology used for electronic storage via internal or third-party processing completed by Spotya! or any other third party lender approve for described services. You agree that said storage is deemed secure. You further acknowledge that all records, for any purpose, will be admissible as evidence or used to verify agreements, obligations and rights for the named parties in agreement to any said records. We will retain your information for as long as needed to provide proper services. If you would like to request that we no longer use your information for the purpose of providing services please contact us at [email protected]. We will retain and use your data as needed to comply with legal obligations, resolve disputes, and enforce agreements.

Third Party Sites

Please be advised that we act as a servicing agent for our partner Lending Leaves as well as a limited agent for other third party direct lenders and/or sellers of the products and/or services available at or through the website. In these circumstances you will be redirected to Lending Leaves or other applicable third party lender’s/seller’s website upon submission of your information. Redirection occurs for the possible purpose of completing your application/purchase from third party lenders/sellers or as needed to collect and send your personal information to the respective third party lender or seller. Your application/purchase will subject you to the third party lender’s or seller’s privacy policy, as applicable. We do not endorse, nor are we responsible for the accuracy of the privacy policies and/or terms and conditions of each of the third party lenders/sellers that may advertise at the website. Entities other than Lending Leaves that advertise and/or place banner ads at the website, including but not limited to these third party lenders/sellers, are independent third parties and are not affiliated with Spotya!. Our website does contain links to other third party sites. Individual company privacy policies will govern the collection and use practices while you are on their website.

 Opt-Out Rights

You can opt-out from all communications from Spotya! and/or third-party associates when you choose not to submit your information. When you register with Spotya! and/or submit personal identification data to us via our website, you are enabling us to share transmitted personal data with third parties by automatically opting-in. You are also enabling Spotya! to send marketing communications for the specific purpose of receiving special offers made available to you through our website. If any third party companies should contact you, it is advised that you directly notify them about sharing or using any of your personal information. Individually notify companies to ‘opt-out’ from receiving additional offers from them or any other third party that received information via Spotya! (see “The Way We Use Information” above). We do use personal data for promotional offers through direct marketing, including without limitation e-mail, telephone, or SMS Messages Service to Spotya! users. We may maintain categorized email lists for different reasons. If you receive email and wish to unsubscribe from a certain list, you will need to follow the instructions at the bottom of the email message. This process must be done for each email list you are on. To opt-out from any additional email correspondence in respects to spotya.com, you must send an email request to [email protected]. Please note that if you do sign up on one of our affiliated websites for any reason,  you will once again need to unsubscribe according to your communication preferences.

Access to Personally Identifiable Information

Your information will be retained for as long as your account is active or is needed to provide services. If you want to cancel your account, you no longer desire our services, or your personally identifiable information changes, you may request that we no longer use the information previously collected. You can do so by contacting us directly at [email protected]. We will respond to your request within 30 days. Your information will be retained as necessary to comply with legal obligations, resolve disputes, and enforce agreements.

 Commitment to the Privacy of Minors

Privacy protection for minors is crucial to Spotya!. As a result, we limit data collection and storage to persons over 18. Inadvertent errors may happen but Spotya! would never knowingly market or promote a minor’s information. This pertains to both on and off spotya.com. In the event that information from a minor has been inadvertently collected, it will immediately be deleted from our database once discovered. The services and information provided by Spotya!, its partners, affiliated sponsors or advertisers were not created for those under 18 years of age.

Use of Tracking Technologies

We use cookies on our websites and mobile sites to further improve and customize your website experience as well as enable our websites/mobile sites to identify you as a prior visitor. A cookie is a tiny collection of information. It oftentimes includes a unique anonymous identifier that is attached to your browser sent from a website’s company computer. Your computer’s hard drive will store the cookie. If you prefer, you may adjust cookie settings on your computer’s browser to erase or block cookies from your computer. In doing so, you will not be able to access or use Spotya.com Internet Services.  As most websites practice, we also automatically gather specific information and store the data in log files. This data collected includes internet protocol otherwise known as (IP) addresses, browser selection, your internet service provider (ISP), referring/exit pages, your computer’s operating system, formulate a date/time stamp, and collect clickstream data. We use this non-identifying information to evaluate trends, perform site administrator duties, track users’ movements (clickstream) and gather demographic data about Spotya! users. We will not link any automatically collect data to a person’s identifiable information. Spotya! web and mobile sites allow partners and on-site advertisers to set their own cookies, apply web beacons or other similar electronic component to your computer. We have no control or access to other company tracking technologies. Companies do track in order to provide: security during shopping experiences; to verify screen names as an added measure of security; to personalize site features; enable and control online activities such as polling; to help manage and measure effectiveness of site services; and to remember visitor preferences and registration information voluntarily transmitted by visitors.

All our sites and third party affiliates may use a network of advertising providers to help promote sales on Spotya.com and affiliated sites. The advertising providers may use the latest technologies on your computer to customize content or advertise according to your personal browsing activity. This action aids in targeting, measuring and tracking site visitors. The information collected yields important feedback as to the effectiveness of said advertisements and promotions using data accumulated from the site’s networks to identify or foresee the attributes and preferences of visitors. This action provides additional security to shopping baskets and subsequent transactions. The use of tracking technologies is subject to each company’s privacy policy, not Spotya!.

Changes in this Privacy Statement

Spotya! reserves the right to occasionally update the privacy policy page to reflect information practices changes. Material changes will be addressed by email, SMS Messages or by means of website notice communicated prior to the effective date. Please review this page periodically for the latest updates and changes to the privacy policy.

Contact Us

Questions or concerns pertaining to the privacy policy or changes made may be sent in email format to [email protected] or call 1-877-689-2669. P.O. Box 1377, Murrieta,CA 92564