1. Privacy Policy
This Privacy Policy is part of and incorporated into the LeadVaultOnline Terms of Use (“Terms”), which are referenced herein.
Thank you for visiting the LeadVaultOnline website located at LeadVaultOnline.com (the “Website” or “Sites”). The Website is owned and operated by LeadVaultOnline, LLC (“LeadVaultOnline,” “we,” “us,” or “our”). We are committed to safeguarding the privacy of our visitors’ (“visitors” or “you”) personally identifiable information (“Personal Information” or “PII”). This Privacy Policy outlines our online information practices and the choices available to you regarding the use of your information by us. It describes how we collect, receive, use, store, share, transfer, and process your Personal Information, as well as your rights concerning the information we collect or maintain about you. By accessing or using our Website or partnering with LeadVaultOnline to utilize our products or services (“Services”), you consent to this Privacy Policy in its entirety. If you do not agree to this Privacy Policy fully, you are not authorized to register for or use the Website in any way.
Our Sites are intended solely for adult use, and we do not knowingly collect Personal Information from minors. If you become aware that a child has, in violation of this Policy, provided their Personal Information, please notify us so we can delete it. If we discover that a child has submitted Personal Information, we will take steps to remove it. For more information, please see section 11, “Children.
2. Notice at Collection
We may collect and process various categories of Personal Information. For detailed information on the categories of Personal Information we collect and whether we sell or share this information, please refer to the section titled “Personal Information We Collect, Use, and Share” below. In summary, the types of Personal Information we may collect include:
We retain this information for as long as necessary to fulfill the purpose of processing and in accordance with this Policy.
If you wish to exercise your rights regarding your information under applicable law, please contact us using the methods outlined in the “Contact Us” section below. To request that we do not sell, share, or use your Personal Information for targeted advertising, please click the “Do Not Sell or Share My Information” link or call +1(707)-234-7729.
3. Personal Information We Collect, Use, and Share
For the purposes of this Policy, “Personal Information” is information that identifies, relates to, describes, or is capable of being associated with, or could reasonably be linked, directly or indirectly, with a specific individual, device, or household. Below, we describe how we will handle your Personal Information in accordance with this Policy and provide details on the information we may collect, how it may be used or shared, and the sources from which it may be obtained.
3.2 Automatically Collected Information
We automatically gather and store specific details about your use of our Services, including how you interact with products, content, and features available on our Sites. To enhance user experience, we use “cookies” and other unique identifiers. This enables us to collect information when your web browser or device interacts with our Website and other content provided by LeadVaultOnline on external sites. For a deeper understanding, please review our “Cookie Policy.”
3.3 Information from Third Parties
In addition to the data you provide directly, we may receive supplementary information from third parties such as marketers, affiliates, partners, researchers, social networks, service providers, and data service companies. This may include combining your information with data obtained from these third parties and insights derived from other services we offer. We may also acquire Personal Data from publicly available sources, third-party data vendors, and collaborative partners. We integrate this data from various online and offline sources to enrich our understanding and service delivery.
4. How We Use Your Information
We utilize your information for a range of business purposes, including:
Providing Support and Products: We use your information to deliver the products and services you request, including our website, applications, and online services. This includes communicating with you regarding your access to and use of our products, responding to inquiries, providing troubleshooting assistance, fulfilling orders, processing payments, and offering technical support.
Delivering Requested Features, Products, and Services: We leverage the information we collect to meet your requests and enhance your experience with our features, products, and services. This includes processing payments for purchases, subscriptions, or sales; protecting against fraudulent transactions; improving and personalizing our sites and services; and managing internal business operations.
Analyzing and Enhancing Operations: We analyze the information to understand user behavior, evaluate and improve our products and services, develop new offerings, conduct surveys, and carry out other research and analytical activities.
Personalizing Content and Experiences: We use your personal information to tailor the content we display on our websites and products, ensuring a more personalized experience.
Securing and Protecting Our Business: We use the information to safeguard our business operations, assets, and technology resources, and to address fraud, unauthorized access, and other potential threats to safety or security.
Corporate Governance and Internal Operations: This includes managing business functions such as accounting, record keeping, and legal compliance, as well as handling matters related to mergers, acquisitions, asset sales, financing, bankruptcy, or restructuring.
Advertising, Marketing, and Promotions: We utilize your information to deliver relevant advertisements, measure and improve the effectiveness of our ad campaigns, and send newsletters or offers that may interest you.
Complying with Legal Obligations: We adhere to legal requirements and processes, including responding to warrants, subpoenas, court orders, and regulatory or law enforcement requests.
Defending Legal Rights: We use the information to address legal disputes and claims, and to protect our rights and interests, including in the context of litigation.
Contractual Duties: We use personal information to fulfill our obligations under contracts, whether you are a service provider, job applicant, or consumer of our services.
Assessing Franchisees, Customers, or Vendors: This includes verifying identity and credit status, conducting due diligence, and screening against public lists and data sources, often with the assistance of reference agencies or third parties.
Enhancing Features and Services: We use your information to improve our products, services, and website features, ensuring a better experience for users.
5. Disclosure of Personal Information
We may share or disclose your personal information with third parties to fulfill the business purposes outlined above, including with our affiliates and service providers. We also share your personal information with third parties to whom you have consented. Before disclosing your information to third parties, we evaluate the services they provide and ensure they maintain confidentiality and security, using the information solely for the agreed-upon purposes.
We typically share personal information with third parties for the following business and commercial purposes:
With Our Affiliates, Vendors, and Subsidiaries: We disclose your personal information to our corporate affiliates, including our parent company, subsidiaries, and sister companies, for the purposes outlined in the “How We Use Your Information” section. We also share information with vendors who assist us in operating our business, requiring them to handle your information in compliance with appropriate privacy and security standards.
With Our Service Providers: We share personal information with unaffiliated companies or individuals that perform services on our behalf, such as customer support, web hosting, IT services, payment processing, financing, product fulfillment, fraud control, marketing, database management, direct mail, email distribution, events, advertising, and analytics. These providers access personal information as needed but are restricted from using it for any other purposes.
With Contractors and Third-Party Partners: We disclose personal information to partners who offer certain products, services, or experiences. For example, we may provide information to third parties involved in financing or fraud prevention, allowing them to collect and use information for specific purposes like detecting fraudulent activities.
In Connection with Corporate Transactions: Personal information may be disclosed or transferred during negotiations or as part of transactions such as purchases, sales, leases, mergers, amalgamations, or other acquisitions or financings.
With Professional Advisors: We share personal information with our legal, financial, insurance, and other advisors for corporate transactions or business management purposes.
With Law Enforcement and Legal Proceedings: We disclose personal information when necessary to comply with legal requirements, respond to claims, enforce our Terms of Use, or protect the rights, property, or safety of LendVaultOnline, our users, employees, or others.
With Your Consent or Direction: We provide personal information to third parties when you have given consent or directed us to do so.
Aggregated, Anonymized, or De-identified Data: We may disclose data that has been aggregated, anonymized, or de-identified, which cannot be used to identify you. LendVaultOnline processes and uses this data in a de-identified manner and will not attempt to re-identify it, except as legally permitted.
Business and Research Partners: We may collaborate with other companies or organizations to offer joint or co-branded products, content, or services. In such cases, the partner’s privacy policy may also apply, and there may be a shared privacy policy.
6. Do Not Track Signals
The “Do Not Track” (“DNT”) feature is a privacy option available in some web browsers that allows users to opt out of being tracked by websites and online services. As global standards for DNT technology have not yet been finalized and not all browsers support DNT, we do not currently recognize or respond to DNT signals.
7. Cookies, Other Tracking Technologies, and Targeted Advertising
Cookies are small data files sent from our Sites and stored in your web browser while you browse our Sites. Each time you load our Sites, your browser sends the Cookie back to our servers to inform us of your previous activity. Additionally, we use web beacons (also known as image tags, gifs, or web bugs), which are small pieces of code that help us collect advertising data such as counting page views, promotion views, or advertising responses. We also utilize pixels in our email communications and on our Sites. These technologies, collectively referred to as “Tracking Technologies,” help us gather information as you navigate our Sites.
Our web servers automatically collect and use Cookies, Web Beacons, pixels, and similar Tracking Technologies to analyze trends, administer our Sites, monitor user movements, and compile broad demographic data for aggregate use. This information may be combined with other data sources for these purposes.
Third-party service providers may also place Tracking Technologies on our Sites to evaluate the effectiveness of our advertising campaigns or email communications. These third-party technologies might place persistent Cookies on your computer, enabling the service provider to recognize your computer during future visits to specific pages or emails and to collect anonymous data related to those visits. The use of Tracking Technologies by third-party service providers is governed by their own policies, which we do not control. We are not responsible for the practices of these third parties and encourage you to review their privacy policies for details on how they collect, use, or disclose your information.
You have the option to accept or decline Cookies. However, rejecting or removing Cookies may impact the availability and functionality of our Services. You can manage Cookies, Web Beacons, and similar technologies by adjusting your browser settings. Although settings vary by browser, most have options to either accept or reject Cookies and other technologies before they are set or to remove them if they have already been installed. For assistance with adjusting your settings, consult your browser’s Help menu or refer to the instructions provided by major browsers like Internet Explorer, Google Chrome, Mozilla Firefox, Safari Desktop, Safari Mobile, and Android browser.
8. Your Privacy Rights and Choices
We are dedicated to ensuring you have control over your personal data and providing you with choices regarding its use. We offer individuals, regardless of residency, the ability to manage how we contact you and how we use or share your information. You also have options regarding how certain third parties and advertisers handle your data, including its use for advertising and marketing purposes. Residents of specific states—such as California, Colorado, Connecticut, Utah, and Virginia—are granted additional privacy rights under applicable state laws. We adhere to all relevant state and federal regulations, and you can find more details about these rights and choices in the “NOTICE TO RESIDENTS OF COLORADO, CONNECTICUT, UTAH, OR VIRGINIA” section below.
8.1 Right to Non-Discrimination
Under applicable law, you are protected from unreasonable adverse treatment or retaliation for exercising your privacy rights.
9. Data Retention
We will retain your information for the duration necessary to deliver our products and services, fulfill our accounting and legal obligations, resolve disputes, and enforce our agreements. Your Personal Information will be securely destroyed or permanently deleted in accordance with applicable laws and regulations.
10. Security
LeadVaultOnline employs reasonable technical, physical, and administrative measures to protect your information from loss, misuse, unauthorized access, disclosure, or alteration. However, please note that no data transmission over the Internet can be completely secure. While we strive to safeguard your Personal Information, we cannot guarantee the absolute security or confidentiality of any information you transmit to us.
12. Other Websites
Our Site may include links to third-party websites that are not owned or operated by LeadVaultOnline. We are not responsible for the content or privacy practices of these external sites, including how they handle your data. Your use of third-party websites is governed by the privacy policies of those sites, not by ours. We recommend reviewing these policies before providing any Personal Information. If you have questions about the privacy practices of any third-party website, please contact them directly.
13. Changes to This Privacy Policy
LeadVaultOnline reserves the right to modify or amend this Privacy Policy at any time and for any reason. Updates to the Policy will become effective immediately upon posting on our Sites. In the event of significant changes, we will notify you by providing a prominent notice on the Sites or by using the contact information we have on file for you. Additionally, we will update the “Effective Date” at the top of this Policy. It is your responsibility to review this Policy regularly to stay informed of any changes. Your continued use of the Sites constitutes your acknowledgment and acceptance of any modifications to this Policy. By accessing our Sites, you confirm that you have read and agree to the collection, use, and processing of your information as described in this Policy. If you do not agree with any terms or practices outlined herein, please refrain from accessing the Sites or any of its pages.
14. Notice to California Consumers
If you are a resident of California, this section provides additional information about our collection, use, and disclosure of Personal Data, in compliance with the California Consumer Privacy Act (CCPA) and related regulations. This Notice is intended to supplement the broader terms outlined in our Privacy Policy.
14.1 Categories of Personal Information We Collect
For detailed information on the types of Personal Information we collect, refer to Section 1, “Privacy Policy,” and Section 3, “Personal Information We Collect, Use, Share & How We Collect It.”
14.2 Categories of Personal Information Collected in the Past 12 Months
Over the past 12 months, LeadVaultOnline may have collected the following categories of Personal Information: (i) identifiers such as name, email address, telephone number, postal address, online identifiers, IP address, Social Security number, and driver’s license number; (ii) personal identifiers under California Civil Code § 1798.80(e) including education, employment status, bank account information, financial information, and medical information; (iii) protected classification characteristics such as age, marital status, medical condition, gender, and veteran or military status; (iv) commercial information including products or services obtained, purchasing histories, and tendencies; (v) internet and electronic network activity such as browsing history and search history; (vi) geolocation data; (vii) professional or employment-related history; (viii) inferences drawn from collected data such as email open rates; and (ix) sensitive Personal Information including Social Security number, driver’s license number, and medical information.
14.3 Sources of Data Collection
LeadVaultOnline collects Personal Information from various sources, including directly from you through our Sites and from the following sources:
Partners and Third Parties: We may gather data from our Partners’ or Affiliates’ websites, via display ads, inquiry forms, or through telephonic transfers from call centers. Our Advertising Partners may also provide us with data.
Service Providers: We engage service providers for various functions such as verifying consent, validating contact information, and other services.
Authorization: We require that all third parties from whom we receive Personal Information have obtained the data legally and have the authority to share it with us.
14.4 Purposes for Collecting and Using Personal Information
For a detailed overview of how we use your Personal Information, see Section 1, “Privacy Policy,” and Section 4, “How We Use Your Information.” LeadVaultOnline primarily uses the collected information to connect consumers with Advertising Partners who can offer information about relevant products and services.
14.5 Categories of Third Parties with Whom Personal Information Has Been Disclosed
In the past 12 months, LeadVaultOnline may have shared Personal Information with various parties, including:
Internal Businesses and Service Providers: We may share identifiers and internet activity data with other LeadVaultOnline entities, service providers, and third-party websites for the purposes outlined in our Privacy Policy.
Business Transactions: Personal Information may also be disclosed or sold in the event of a business sale, merger, or transfer.
Service Providers: We may share Personal Information with service providers assisting with compliance, verification, and other services such as payment processing and data analysis.
14.6 Categories of Personal Information Sold or Shared
Under California law, certain uses of Cookies and similar technologies might be considered “selling” or “sharing” of Personal Information. Over the past 12 months, LeadVaultOnline may have “sold” or “shared” the following categories of Personal Information for commercial purposes: identifiers, internet activity, personal identifiers, and protected classification characteristics. This includes data used for serving advertisements, analyzing marketing campaigns, and understanding website use. Such data may also be used by recipients for their own purposes, including targeted advertising.
14.7 Retention of Personal Information
We retain Personal Information only for as long as necessary to fulfill the purposes for which it was collected or obtained. Our retention periods are determined based on reasonable business criteria. For instance, if you register on our Sites, we will keep your Personal Information as long as needed to maintain your account, process your requests, enforce applicable terms, and comply with legal obligations. We will also retain information to maintain appropriate records in accordance with our policies and legal requirements.
15. YOUR CALIFORNIA PRIVACY RIGHTS
Under the California Privacy Rights Act (CPRA), California residents are afforded specific privacy rights, which include:
15.1 Right to Know and Access Your Personal Information
You have the right to request information about the Personal Information we have collected, used, disclosed, shared, or sold about you in the past twelve (12) months. After receiving and verifying your request, we will provide details on: the categories of Personal Information we collected; the sources from which this information was collected; the business or commercial purposes for which it was collected; the categories of third parties to whom we disclosed your Personal Information; and the specific pieces of Personal Information we collected.
Request to Know
15.2 Right to Delete Your Personal Information
You can request the deletion of your Personal Information that we have collected or maintained in the past 12 months. However, this right does not apply to Personal Information that falls under certain exceptions outlined in the CPRA. Upon receiving and verifying your request, we will delete your Personal Information and instruct our contractors and service providers to do the same, unless an exception applies.
Request to Delete
15.3 Right to Correct
You have the right to request corrections to any inaccurate Personal Information we hold about you.
Request to Correct
15.4 Right to Opt-Out of the Sale or Sharing of Personal Information
You may opt out of the “sale” or “sharing” of your Personal Information to third parties for cross-context behavioral advertising, as defined by applicable California law.
Request to Opt-Out
Do Not Sell or Share My Personal Info
15.5 Right to Non-Discrimination
You have the right not to be discriminated against for exercising any of these privacy rights under the CPRA.
15.6 Authorized Agent
Only you or an authorized individual registered with the California Secretary of State can make a verifiable consumer request related to your Personal Information under this Privacy Policy.
15.7 California Privacy Rights Act Reporting
Visit our California Privacy Rights Act Reporting page for information on our metrics related to consumer requests and responses.
15.8 Contact Us
For questions or concerns about this Privacy Policy, please use our “Contact Us” form, email us at info@leadvaultonline.com, or write to us at 2742 Preston Street, Medicine Lodge, Kansas, 67104. You can also call us toll-free at +1(707)-234-7729. If we need to contact you regarding your information, we may do so via email, telephone, or mail. If you have an unresolved privacy or data use issue, please contact our U.S.-based third-party dispute resolution provider at https://feedback-form.truste.com/watchdog/request.
16. SHINE THE LIGHT
In accordance with Section 1798.83 of the California Civil Code, California residents have the right to request information about the types of Personal Information shared with third parties for direct marketing purposes. This includes the identities of those third parties with whom we have shared such information over the past year.
To request this information disclosure from LendYou.com, please send your request to info@leadvaultonline.com.
17. NOTICE TO RESIDENTS OF COLORADO, CONNECTICUT, UTAH, OR VIRGINIA
If you are a resident of Colorado, Connecticut, Utah, or Virginia, this section provides additional information that supplements our Privacy Policy.
For details on data subject rights requests and how to submit a request, please visit our dedicated page for residents of Colorado, Connecticut, Utah, and Virginia. You may need to verify your identity and request before we can take further action. This process might require you to provide Personal Information, such as your name, state of residence, phone number, email address associated with your account, and/or government identification.
If you wish to designate an authorized agent to make a request on your behalf, we may require you or your agent to:
Please refer to our Notice to Residents of Colorado, Connecticut, Utah, or Virginia page for more information and to start the process.
18. CONTACT US
For any questions or concerns regarding this Privacy Policy, please reach out to us using the following methods:
If we need to contact you about any issue related to your information, we may do so via email, telephone, or mail.
If you have an unresolved privacy or data use concern that we have not addressed to your satisfaction, please reach out to our U.S.-based third-party dispute resolution provider at no charge by visiting https://feedback-form.truste.com/watchdog/request.
Material disclosure
APR Disclosure: Some states limit the Annual Percentage Rate (APR) that lenders can charge. APRs for cash advance loans range from 200% to 1386%, installment loans range from 6.63% to 485%, and personal loans range from 4.99% to 450%, depending on the lender. Loans from states without APR caps or from banks not governed by state laws may have higher APRs. The APR represents the rate at which interest accrues on a loan based on the amount, cost, term, repayment amounts, and timing. Lenders are required to disclose the APR and other loan terms before you sign an agreement. APR rates can change.
Material Disclosure: LeadsVaultOnline.com is not a lender, loan broker, or agent. We are an advertising referral service connecting users to qualified participating lenders who may offer cash advance loans ($100 to $1,000), installment loans (up to $5,000), and personal loans (up to $35,000). Not all lenders provide these amounts, and acceptance by a lender is not guaranteed. This service is not an offer or solicitation for loan products prohibited by any state law, nor is it an endorsement or charge for any service or product. Compensation received is solely for advertising services. The service and offer are void where prohibited. We do not control or are responsible for any lender’s actions or the full terms of your loan, including APR. Contact your lender directly for information about specific loan terms, rates, charges, renewal, payments, and implications for non-payment. Your registration information may be shared with one or more participating lenders. You are not obligated to use our service, contact a lender, register for credit or loan products, or accept a loan. Cash transfer times and repayment terms vary by lender and may be subject to state and local regulations. Some faxing may be required. For additional information, such as credit and late payment implications, refer to our FAQs. These disclosures are for informational purposes only and are not legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
Exclusions: Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible for this service. The states serviced by this website may change without notice.
Credit Implications: LeadsVaultOnline.com does not make credit decisions. Participating lenders may perform credit checks with credit bureaus or alternative providers to determine creditworthiness. By submitting your information, you consent to these checks. Loans from lenders in our network are short-term solutions and not a long-term financial strategy. Consider professional financial advice before taking a short-term loan. Late payments may incur fees or collection activities. Non-payment may also result in collection activities. Each lender has its own terms, conditions, and renewal policies. Please review them carefully.
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