This Privacy Policy describes the information that National Loan Exchange Inc ("NLEX") collects through its website (the "Website"), and how NLEX uses that information.
Each time you ("User" or "You" or "Your") use www.nlex.com (the "Website" or "Site"), the current version of this Privacy Policy will apply. Accordingly, each time You visit the Website, You should check the date appearing at the end of this Privacy Policy. If that date is later than the date of Your last visit, You should review any changes to this Privacy Policy. IF AT ANY TIME YOU FIND THIS PRIVACY POLICY UNACCEPTABLE OR YOU DO NOT AGREE TO THE USER AGREEMENT, YOU MUST LEAVE THE WEBSITE. Unless NLEX obtains Your express consent, any revised Privacy Policy will apply only to information collected by NLEX after such time as the revised Privacy Policy takes effect.
NLEX.com is committed to protecting your privacy!
NLEX.com is vigilant about protecting your privacy. We understand better than most the need for you to maintain control over your personal and business data when using the Internet. We maintain your privacy through the enforcement of strict internal polices that exceed industry standards.
NLEX.com wants to demonstrate its commitment to your privacy and has agreed to disclose its information practices and have its privacy practices reviewed regarding what personally identifiable information of yours or a third party is collected from you through the Website.
- The organization collecting the information
- How the information is used
- With whom the information may be shared
- What choices are available to you regarding collection, use, and distribution of the information
- The kind of security procedures that are in place to prevent the loss, misuse, or alteration of information under NLEX.com's control
- How you can correct any inaccuracies in the information
We Protect Your Right to Privacy
NLEX.com respects your privacy. Our guidelines for protecting the information you provide us during a visit to our Website appear below. Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices and to have our privacy practices reviewed and audited by TechGuard Security. These include:
- What information we gather/track
- How we use the information
- With whom we share the information
- Our opt-out policy
- Our policy on correcting and updating personally identifiable information
- Our policy on deleting or deactivating your name from our database
- Our policy regarding children who visit our site
What Information We Gather/Track
We collect and store some or all of the following information about our users: name; email address; and business information, such as name, address, phone number and buying interests. We also receive and may store certain types of information whenever you interact with us. For example, like many Web sites, we use "cookies", and we obtain certain types of information when your Web browser accesses NLEX.com.
Access to certain NLEX.com web pages requires a login and a password. The use of those web pages, and the information or data files downloadable from those sites, may be governed by a written agreement between your employer and NLEX. Your personal information may be retained by NLEX to verify compliance with the agreement, log web pages viewed, to track data files downloaded from those pages, or track bids placed on NLEX.com for purchases of portfolios.
In order to tailor our subsequent communications to you and continuously improve our products and services (including registration), we may also ask you to provide us with information regarding your professional interests, demographics, experience with our services, and more detailed contact preferences. You will have the option of choosing not to provide us with this information.
Use of Data
NLEX.com uses your information to better understand your needs and provide you with better service. Specifically, we use your information to help you complete a transaction, to communicate back to you, to update you on service and offerings, and to personalize our website for you.
Use of Your Email Address
NLEX.com requests that you provide us with your email address when you register as a customer. Many of the downloadable files on our website are encrypted and require a password in order to view. NLEX.com will send you an email with the password of files that you have downloaded. We may occasionally send you email with recommendations or notices of new portfolios and services. You may block, or opt-out of future email of this type, simply by following the instructions at the bottom of the update messages.
Who We Share It With
NLEX.com will not sell, rent, or lease your personally identifiable information to others. Unless we have your permission or are required by law, we will only share the personal data you provide online with other NLEX entities, portfolio sellers, and/or business partners who are acting on our behalf for the uses described in "Use of Data".
Links
NLEX.com may contain links to other Web sites. Please note that when you click on one of these links, you are "clicking" to another Web site. We encourage you to read the privacy statements of these linked sites, as their privacy policies may differ from ours.
Cookies and Tracking Technology
NLEX.com uses software tags called "cookies" to identify customers when they visit our site. A cookie is a small data file that certain web sites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the site uses to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie can't read data off your hard disk or read cookie files created by other sites. Some parts of NLEX's website uses cookies to track user traffic patterns. We do this in order to determine the usefulness of our website information to our users and to see how effective our navigational structure is in helping users reach that information. The information we collect with cookies is not sold, rented, or shared with any outside parties.
If you prefer not to receive cookies while browsing our website, you can set your browser to warn you before accepting cookies and refuse the cookie when your browser alerts you to its presence. You can also refuse all cookies by turning them off in your browser, although you may not be able to take full advantage of NLEX's website if you do so. You do not need to have cookies turned on to use/navigate through many parts of our website, except access to certain of NLEX's web pages require a login and password.
Log Files
NLEX.com maintains log files of the traffic that visits the NLEX.com site. Log files are used to manage traffic loads and information technology requirements for providing reliable service. Information collected includes IP addresses, User ID and browser types.
Log files provide NLEX.com a method for determining the amount of users who viewed each portfolio as well as those who have downloaded the due diligence files for review.
Your ability to Correct/Update/Delete User Information
If you are a registered NLEX.com user, you can review your personal information by accessing www.nlex.com. Users may also request deletion of your NLEX.com account or any personal information held by us by sending an email to clientservices@nlex.com.
Our Privacy Policy Regarding Children who Visit our Site
NLEX and its website www.nlex.com does NOT knowingly collect personally identifiable information from children under the age of thirteen, and therefore is not bound by the Children's Online Privacy Protection Act (COPPA). However, If we become aware that we have inadvertently received personally-identifiable information from a user under the age of thirteen, we will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally-identifiable information from children under the age of thirteen. NLEX does NOT knowingly allow children under the age of thirteen to publicly post or otherwise distribute personally-identifiable contact information.
Information Security
All information gathered on the NLEX.com site is stored and maintained in secure facilities that limit access to authorized personnel only. This personnel can only access the information through a series of access-control procedures. All NLEX.com employees are briefed about the company's privacy and security policies on a regular basis. The NLEX.com Website is regularly tested for security breaches to ensure that all information collected is secure from unauthorized viewing.
Your NLEX.com account information is password-protected for your privacy and security. NLEX.com safeguards the security of the data you send us with physical, electronic, and managerial procedures. In certain areas of our websites, NLEX.com uses industry-standard SSL-encryption to enhance the security of data transmissions. While we strive to protect your personal information, we cannot ensure the security of the information you transmit to us, and so we urge you to take every precaution to protect your personal data when you are on the Internet. Change your passwords often, use a combination of letters and numbers, and make sure you use a secure browser.
Notification of Changes
If we change our privacy policy, we will post a notice on our site so our users are aware of the change in what information we collect, how we use it, and/or under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by email. Users will have a choice as to whether or not we use their previously submitted information in this different manner. Users may choose to have their information used in accordance with the privacy policy under which the information was collected.
Questions or Suggestions
If you have questions or concerns about our collection, use, or disclosure of your personal and/or professional information, please email us at clientservices@nlex.com