2. How We Use the Information We Collect The information we collect from you allows us: to deliver products, services and information to you; to contact you; and to manage your account. By providing EFC with information, you consent to EFC’s use, transfer, and storage of that information. EFC also may use your information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities. Any information in a form that does not allow for direct association with a specific person may be collected, used, monitored, analyzed, transferred, and disclosed for any purpose. Examples of this type of information include:
b. Click-Through URLs – In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.
d. Device Information – We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.
e. Log Information – When you visit our website, certain information is automatically collected and stored in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data. We use the log information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality of the website.
3. Our Sharing of Information with Third Parties We do not share your information with businesses or individuals outside of EFC Credit Solutions, except under the following circumstances:
a. Consent – We will share your information with others outside of EFC when we have your consent to do so.
b. Service Providers – We provide information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions, and in compliance with appropriate confidentiality and security measures. For example, we may use a third party to: Improve our products and services
Conduct consumer research and satisfaction surveys
Analyze and understand consumers
Prevent fraud and engage in other security measures
Provide customer support
Manage customer data and ensure data integrity
Perform accounting functions
Advertise and market
Legal Reasons – We will share information with third parties, outside of EFC if we have a good-faith belief that disclosure is necessary or appropriate to: Comply with a law, regulation, process or enforceable request
Protect our operations or customers
Detect, investigate, address fraud, security, or technical problems
nvestigate potential violations of, and enforce, our policies
a. Merger or Sale – In the event of a reorganization, merger, or sale we may transfer any and all information we collect to a relevant third party.
b. General Information – We may share information that does not allow for direct association with a specific person, publicly and with our strategic partners.
We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of information that we cannot resolve with our customers directly. EFC uses Secure Sockets Layer (SSL) encryption on all pages where your information is collected. This protects the confidentiality of your information while it is transmitted over the Internet. For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, and avoid using the same or similar passwords across multiple sites.
9. Children We do not knowingly collect information from children under 13. If we learn that we have collected the information of a child under 13, we will take steps to delete the information as soon as possible.