Information we collect from you – In general
We receive and store any information you enter on our Website or give us in any other way. This includes information that can identify you, including your first and last name, telephone number, postal and email addresses, user name and password, and billing information (such as your credit card number, cardholder name, and card expiration date) (collectively, “Personal Information”). We may also request information about your mission plans, location, categories, members, and preferences, including skills, resources and other information (collectively, “Non-Personal Information”). You can choose not to provide information to us, but in general some information about you is required in order for you to receive relevant offerings from ENSURE Lending, its partners and affiliates and enjoy other benefits of being a registered member. For example, only registered members are able to post mission reviews, participate in discussion forums, email ENSURE Lending content to themselves and others, access members-only newsletters and mission planning content, and enter surveys, or fundraisers. In addition, some information is also required in order for you to ask us a question or initiate other transactions on our site.
Information About Others
You will have the opportunity to provide contact and mission-related information for other people through our Website. If you make a donation or fund raising effort for someone else through ENSURE Lending, you will need to submit that individual’s Personal Information. You must obtain the consent of other individuals prior to providing us with their Personal Information, as any access to view or modify their information will be available only through your account.
Information from Other Sources
We have partnered with Facebook to provide personalized content on ENSURE Lending for members of Facebook. If you are logged into ENSURE Lending through your Facebook, ENSURE Lending will be personalized for you when you visit the Website, even if you are a first-time user of ENSURE Lending’s Website. For example, we will show you reviews that your Facebook friends have posted on ENSURE Lending and organizations they are members of or to which they have donated. In order to provide you with this personalized experience, Facebook provides us with information that you have chosen to make available pursuant to your Facebook privacy settings. That information may include your name, profile picture, gender, friend lists and any other Personal Information you have chosen to make available.
If you decide to turn off personalization, you can do so by first logging into Facebook and (i) selecting “Edit your profile” from the “Your ENSURE Lending” drop-down menu on the Member Profile page and clicking “Disconnect” in the Facebook Connect status box, or (ii) selecting “Connected accounts” from the “Your ENSURE Lending” drop-down menu on the Member Profile page and clicking “Disconnect” under “Facebook Settings.” You can also turn off personalization by editing your App settings on Facebook. Please note that if you have Facebook friends who are using ENSURE Lending, they may also have shared information about you with us through Facebook. If you wish to prevent that sharing, you can do so by editing your Facebook privacy settings.
We automatically collect some information from your computer or Device when you visit ENSURE Lending. For example, we will collect session data, including your IP address, Web browser software, and referring website. We also may collect information about your online activity, such as content viewed, pages visited, and searches and/or reservations facilitated or made. One of our goals in collecting this information is to help us understand the interests and preferences of our users and customize your user experience.
If you make mission, organization or non-profit donations or fund raisers with third-parties facilitated by ENSURE Lending, we will collect payment information from you, including your credit card number, cardholder name, expiration date, authentication code, and billing address. We will securely transmit this information to the mission, organization or non-profit to complete your transaction. Please note that the third-party processes your payment, not ENSURE Lending, unless otherwise specified. You agree to review and be bound by the third party’s policies and procedures before making a donation or fund raiser through ENSURE Lending.
Location Information and Other Information from Devices
When you use an Application on a Device, we will collect and use information about you in generally similar ways and for similar purposes as when you use the Website. In addition, we may collect information about your location if you have instructed your Device to send such information to the Application via the privacy settings on that Device, or if you have uploaded photos tagged with location information. We may use the location information collected from your Device or photos to enhance your use of the Application by providing you with relevant content and contextual advertising. For example, we may use your location to show you reviews or photos of organizations or missions near you when you are traveling. You can change the privacy settings of your Device at any time, in order to turn off the functionality to share location information with the Application and/or the functionality to tag your photos with location information. Please note that turning off location sharing may affect certain features of our App. If you have any queries about the privacy settings of your Device, we suggest you contact the manufacturer of your Device or your mobile service provider for help.
Cookies and Other Web Technologies
To help us customize the content, experience, and advertisements provided to you on our Website and Apps and on other websites across the Internet. For example, when you access a web page, a cookie is automatically set by us, our service providers, or our partners to recognize your browser as you navigate on the Internet and to present you with information and advertising based on your apparent interests. See Display of Advertising/Your Choices below for more information about our online advertising practices and your choices.
To help measure and research the effectiveness of features and offerings, advertisements, and email communications (by determining which emails you open and act upon).
The Help portion of the toolbar on most browsers should tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable most types of cookies. Please note that if you refuse to accept cookies, you may not be able to access many of ENSURE Lending’s tools and Services or tools offered on our Website.
Our Website also may use Web beacons (also known as clear gifs, pixel tags or Web bugs), which are tiny graphics with a unique identifier, similar in function to cookies, that are placed in the code of a Web page. We use Web beacons to monitor the aggregate traffic patterns of users from one page within our Website to another, to deliver or communicate with cookies, to understand whether you have come to our Website from an online advertisement displayed on a third-party website, and to improve site performance. We also may allow our service providers to use Web beacons to help us understand which emails have been opened by recipients and to track the visitor traffic and actions on our Website. This helps us measure the effectiveness of our content and other offerings.
Display of Advertising/Your Choices
Data Collected to Serve you With Relevant Advertising.
ENSURE Lending and its affiliated websites are committed to providing you with relevant content and information across our Websites. To do this, we may collect information about your mission-related searches and other site activities, such as whether you are looking for certain types of organizations or missions, and use this information to serve you with advertisements on our Websites or elsewhere online that match your apparent interests. So, for example, if you search for a mission or organization in Florida on ENSURE Lending, you may see an ad for a Florida mission package on ENSURE Lending or on another website you visit.
We do not share your Personal Information with unaffiliated third parties so they can serve you with advertisements. You can choose not to receive relevant online advertising on other websites, based on your mission-related searches on ENSURE Lending by clicking here.
Data Collected by Business Partners and Ad Networks to Serve you with Relevant Advertising.
Many of the advertisements you see on the ENSURE Lending Website are served by ENSURE Lending or its service providers. But we also allow third parties to collect information about your online activities through cookies and other technologies. These third parties include (i) business partners, who collect information when you view or interact with one of their advertisements on our sites, and (ii) advertising networks, who collect information about your interests when you view or interact with one of the advertisements they place on many different websites on the Internet. The information gathered by these third parties is used to make predictions about your characteristics, interests or preferences and to display advertisements on our Website and across the Internet tailored to your apparent interests.
Response to Do Not Track Signals. Your web browser may transmit a “Do Not Track” (“DNT”) signal to ENSURE Lending and other websites. Because of differences in web browsers’ default settings and the manner in which browsers incorporate DNT signals, it is sometimes unclear to site operators whether site visitors have selected the DNT setting themselves, or whether they are aware that they have a choice in determining the setting. ENSURE Lending does not currently respond to DNT signals. Once the Internet industry has settled on standards related to this issue and ENSURE Lending recognizes such standards, we may reevaluate this approach.
How we use your information
ENSURE Lending uses the information we collect about you for the following general purposes: for registration and management of your account, including, to allow your access to and use our Website; to communicate with you in general, including, to provide information about ENSURE Lending and invitations or communications from the ENSURE Lending community; to enable us to publish your reviews, forum posts, and other content to the ENSURE Lending community; to facilitate your donations or fund raisers of missions, organizations and non-profits; to respond to your questions and comments; to measure interest in and improve our products, Services, and Website; to notify you about special offers or services available from us or our partners that may be of interest to you; to otherwise customize your experience with ENSURE Lending, including customizing the ads shown to you; to solicit information from you, including, through surveys; to resolve disputes or troubleshoot problems; to prevent potentially prohibited or illegal activities; to enforce our Terms and Conditions; and as otherwise described to you at the point of collection.
Please review Your choices with respect to the collection and use of your information below.
With whom we share your information
ENSURE Lending may share your information with the following entities:
Organizations, including, but not limited to, missions, organizations, churches, Christian businesses, or non-profits, and third-parties who fulfill your mission or organization donations or fund raising. Throughout ENSURE Lending and its affiliated websites, all products and services provided by third-parties are described as such. Information that we share with third-parties to facilitate donations or fund raising will be treated according to applicable third parties’ privacy policies, except for payment information. We share payment information only when it is necessary or facilitated through or made on ENSURE Lending, and we restrict third parties’ use of payment information for these purposes. We encourage you to review other websites privacy policies, terms and conditions, and other policies of any mission, organization or non-profit whose services you may find through ENSURE Lending. Please note that these third parties may contact you as necessary to obtain additional information about you or your mission or non-profit plans, or for other purposes consistent with the practices described in their privacy policies and terms and conditions.
Third-party vendors who provide services or functions on our behalf, including business analytics, payment processing, customer service, marketing, public relations, and fraud prevention. We may also authorize third-party vendors to collect information on our behalf, including, for example, as necessary to operate features of our Website or to facilitate the delivery of online advertising tailored to your interests. Third-party vendors have access to and may collect information only as needed to perform their functions and are not permitted to share or use the information for any other purpose.
Business partners or affiliates with whom we may services in conjunction. You can tell when a third party is involved in a service you have requested because their name will appear either with ours or separately. If you choose to access these optional services, we may share information about you, including your Personal Information, with those partners. Please note that we do not control the privacy policies or practices of these third-party business partners.
Referring Websites. If you were referred to ENSURE Lending from another website, we may share your Personal and Non-Personal Information with that referring website. We have not placed limitations on the referring websites’ use of Personal Information and we encourage you to review the privacy policies of any website that referred you to ENSURE Lending.
Social Media Services. You can choose to access certain third party social media websites and services through our Website (such as Facebook). When you do so, you are sharing information with those websites, and the information you share will be governed by their privacy policies. You may also be able to modify your privacy settings with these third party social media websites.
We also may share your information if we believe, in our sole discretion, that such disclosure is necessary:
To comply with legitimate and enforceable subpoenas, court orders, or other legal process, to establish or exercise our legal rights, to defend against legal claims, or as otherwise required by law. In such cases we reserve the right to raise or waive any legal objection or right available to us.
To investigate, prevent, or take action regarding illegal or suspected illegal activities, to protect and defend the rights, property, or safety of ENSURE Lending, our customers, or other, and in connection with our Terms of Conditions and Use or other agreements.
In connection with a corporate transaction, such as a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.
If you choose to create a profile on ENSURE Lending, certain information in your profile will be publicly viewable and identifiable via your screen name. You will have the ability to view your profile as members of the public will see it. Additionally, if you choose to participate in our member-to-member communications programs, other ENSURE Lending members may contact you by using ENSURE Lending as an intermediary, however, ENSURE Lending will not share your email address with any other members or display it any public manner. All ENSURE Lending members have the option to turn off the member-to-member communication features at any time.
Other than as set out above, you will be notified when Personal Information about you will be shared with third parties, and you will have an opportunity to choose not to have us share such information.
We also may share aggregate or anonymous information with third parties, including advertisers and investors. For example, we may tell our advertisers the number of visitors our Website receives or the most popular organizations or mission. This information does not contain any Personal Information and is used to develop content and services we hope you will find of interest.
How you can access your information
We take reasonable steps to ensure that your information is relevant to its intended use, accurate, and complete. You can access and update your contact information by visiting your Member Profile page on the ENSURE Lending Website. You can close your ENSURE Lending account by contacting us. We will send you an email to confirm your request. Please note that after you close an account, you will not be able to sign in or access any of your Personal Information. However, you can open a new account at any time. Please also note that we may retain certain information associated with your account in our archives, including for analytical purposes as well as for recordkeeping integrity.
Your choices with respect to the collection and use of your information
As discussed above, you can choose not to provide us with any information, although it may be needed to take advantage of certain features offered on ENSURE Lending.
You also can add or update information and close your account as described above. If you decide to close your ENSURE Lending account, we will deactivate your account and remove your profile information from active view. Please note, however, that we may retain in our files some information associated with your account and past transactions for purposes including backups, fraud prevention, dispute resolution, investigations, and compliance with legal requirements.
As a registered ENSURE Lending member, you can modify your email subscription choices at any time on the Member Profile page. Whether registered as a ENSURE Lending member or not, you also will be given the opportunity to “unsubscribe” from promotional messages in any such email we send. Please note that we reserve the right to send you other communications, including service announcements, administrative messages, surveys and legal notices relating either to your ENSURE Lending account, without offering you the opportunity to opt out of receiving them.
The Help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Please note that if you refuse to accept cookies from ENSURE Lending, you will not be able to access portions of our Website.
How we protect your information
We want you to feel confident about using ENSURE Lending, and we are committed to protecting the information we collect. While no website can guarantee security, we have implemented appropriate administrative, technical, and physical security procedures to help protect the Personal Information you provide to us. For example, only authorized employees are permitted to access Personal Information, and they only may do so for permitted business functions. In addition, we use encryption when transmitting your Personal Information between your system and ours, and between our system and those of the parties with whom we share sensitive information, and we employ firewalls and intrusion detection systems to help prevent unauthorized persons from gaining access to your information.
ENSURE Lending is a general audience site and does not offer services directed to children. Should an individual whom we know to be a child under age 13 send personal information to us, we will delete or destroy such information as soon as reasonably possible.
Visiting our Website from outside the United States
Your California privacy rights
California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please contact us at the address provided below in the “How To Contact Us” section.
HOW TO CONTACT US
ENSURE LendingAttn: Legal Department, Privacy OfficerPO Box 2789La Jolla, CA, 92038 USA
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Ensure Lending is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines