Last updated: June 19th, 2007
We Respect and Honor Your Privacy At Jboat Loan Services your privacy is of paramount importance to us and we are dedicated to insuring your privacy is protected online. Our Privacy Promise details the actions we have taken to secure the personal information you provide to us.
Our Privacy Promise applies to all Jboat Loan services web sites including http://www.Joatloans.com. Jboat Loan services L.L.C. also has other domain names that point to Joatloans.com, and may occasionally add new sites that may or may not be listed in this Privacy Promise. Please also note that our Privacy Promise is dedicated only to web sites owned by Jboat Loan Services L.L.C. and not to websites owned and maintained by other entities that we link to. Our Privacy Promise applies only to information gathered by Jboat Loan Services L.L.C. online, and not offline.
How We collect and Use Your Information
We will gather and use personal information about you to fulfill your request for products and services offered through this website. We will also collect personal information in order to provide you with offerings and special promotions that are complementary with our core offerings. The information we gather and use may be from the following sources:
- Loan Application forms that collect and use your personal and financial information for the purposes of providing you with Boat and Yacht pre-approval, new sale, and refinancing options. We will collect your name, address, telephone number, Social Security Number, date of birth and other financial information as it applies to your specific request. .
- Promotional Registration Forms that collect and use your personal information in connection with offering products and services provided by Jboat Loan Services or one of its partners
- Email Update forms that collect personal information in connection with newsletters, and other in-house and third party communications).
- Job application forms that gather Information that we use to assist us in the hiring process.
- Survey's and polls where we collect and use your personal information to help us serve you better.
We also collect demographic information such as zip code, type of boat financed, and other information that is not directly associated with your personal information. Additionally, we may from time to time obtain information about you from our online or offline partners and update your account with this information
Information Sharing and Disclosure
We share your personal information in the following manner:
Loan Application Requests - When you submit a loan application through this website, we will share the personal information we collect (such as your full name, address, telephone number, , date of birth, and Security Number) with our lending partners including banks, and other marine-oriented lenders.. In some instances, we may share that information with Credit Reporting agencies. For example, we may use your Social Security Number, your Year of Birth, or your personal information to obtain your credit report and credit score to help us better match you with Lending partners. In addition, Lenders that receive your personal information may use your Social Security Number, Year of Birth or your personal information to obtain your credit report and credit score in order to process and fulfill your request.
All Lenders in our network have entered into agreements with Jboat Loan Services L.L.C. and are required to comply with federal and state privacy regulations. By submitting your loan application, you understand that Lenders may contact you by telephone (on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services.
Vendors - We occasionally provide information we collect to companies that assist us in such areas as marketing, and, advertising,. These service providers only have access to personal information needed to provide their services, and are not authorized to share this information with others or use it for any other purpose.
Quick Loan Partners - Personal and business information collected through the ?Quick Loan Partners" section of our website is used to evaluate and approve potential web sites, dealerships and other organizations. This information is not shared with any third parties
Subsidiaries, Parent or Sister Companies - We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies. For example, we may share your information with Quickloanpartners.com, Boatlend.com, QuickRVloan.com..
As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Joatloans.com Terms of Use, or as otherwise required by law.
Business Transfer - As with any other business, it is possible that Jboat Loan Services L.L.C. in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by Joatloans.com, including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.
Advertisements and Third Party Ad Servers
You may receive advertisements for Jboat Loan Services L.L.C.from third parties. For instance, when visiting a third party website, you may receive a "pop up" window advertising Joatloans.com. Please note that such advertisements are served by the third party website that you have visited and are not controlled by Joatloans.com. In addition, such advertisements may be placed by third party ad servers or ad networks such as 247 Real Media. These companies may employ cookies and action tags to measure advertising effectiveness. You may find more information at the website of either the individual ad network or the
Network Advertising Initiative.
Cookies and IP Addresses
To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used Joatloans.com. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners.
We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.
Clear Gifs
We employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If users would like to
opt-out of these emails, please see the Opt-out section within any email you receive from us or unsubscribe from our homepage by clicking
here.
You Have Options:
Marketing Email Options - You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to Jboat Loan Services L.L.C.Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails).
Refusing Cookies - We utilize reputable third-party vendors to serve advertisements. If, however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser's instructions to perform this task.
The National Advertising Initiative ("NAI") has developed an opt-out tool with the express purpose of allowing consumers to "opt-out" of the targeted advertising delivered by its member networks. You can visit the NAI opt-out page and opt-out of cookie tracking. Please visit the NAI by clicking
here.
Third Party Advertisers - Please note that Jboat Loan Services L.L.C.can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
Confidentiality and Security
The security of your personal information is very important at Jboat Loan Services L.L.C. and we take a number of steps to safeguard it. For example:
- We limit access to personal information to those employees or agents who assist us in providing requested products and services to you.
- We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
- We have partnered with Thawte to protect against the loss, misuse or alteration of information that we collect from you.
Third Party Links
This Privacy Promise applies to all information that you provide to Joatloans.com. However, when you visit websites to which Jboat Loan Services L.L.C. links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.
Framing
In some cases, we may use third parties to operate portions of the Jboat Loan Services L.L.C.website. Although the particular section of the website may have a similar appearance as the Jboat Loan Services L.L.C.site, information submitted through these outside third parties are subject to that company's privacy policy unless otherwise stated. For example, personal information submitted through our Affiliate Program is subject to the Commission Junction privacy policy.
A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our
Terms of Use for more information.
Removing Your Information
Federal and state regulations require that we maintain all information (including your personal information) submitted through the Jboat Loan Services L.L.C. website for various time periods. In order to comply with these regulations, we cannot delete your information from our database.
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Promise, you may contact us:
By sending an email to:
CustomerService@Joatloans.com
By sending a letter to:
Jboat Loan Services L.L.C.
Attn: Customer Service
111 Water Lily Lane
Lake Worth, FL 33422
Changes to this Privacy Promise
Jboat Loan Services L.L.C. may update or modify this Privacy Promise from time to time. If there are material changes to this Privacy Promise or in how Jboat Loan Services L.L.C. will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.
By using this site, you signify your assent to the Jboat Loan Services L.L.C. Privacy Promise. If you do not agree to this policy, please do not use any of the Jboat Loan Services L.L.C. site. When you request rate quotes or other information through Joatloans.com, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Promise will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Promise. _uacct = "UA-1683704-1"; urchinTracker(); `
