This Privacy Policy describes the personally identifiable information that Mega Capital Funding, Inc (NMLS ID # 303203) collects through our websites, www.mcfunding.com (the “Site”) and use of that information. This Privacy Policy applies solely to our collection of information through the Site and our use of that information and does not apply to our offline practices..
INFORMATION WE COLLECT
The Site does not collect personally identifiable information about you unless you expressly provide such information, such as your name, physical address, and email address, to us on a voluntary basis, for example, when submitting a request for a call back or mortgage quote. We may also add the information you expressly provide to our databases or contact lists. We use such personally identifiable information to send you the information you request, to respond to your inquiries and comments, and, from time to time, to send you information regarding events and developments that we think may be of interest to you.
HOW WE SHARE INFORMATION
Generally, we do not disclose personally identifiable information that we collect through your use of the Site to unaffiliated third parties without your consent. However, we reserve the right to provide such information to our employees, contractors, agents, and designees to the extent necessary to enable them to perform certain Site-related services on our behalf. We also reserve the right to disclose such information to any third party if we believe that we are required to do so for any of all of the following reasons: (i) by law; (ii) to comply with legal processes or governmental requests; (iii) to prevent, investigate, detect, or prosecute criminal offenses or attacks on the technical integrity of the Site or our network; or (iv) to protect the rights, property, or safety of LoanStream and its employees, users of the Site, or the public.
Mega Capital Funding,inc, reserves the right to transfer any and all information we collect from users, or that we otherwise collect in connection with the Site, including, without limitation, to unaffiliated third parties, in the event of a sale or transfer of assets or portion of our business.
HOW WE PROTECT INFORMATION
Mega Capital Funding, inc employs industry standard security measures designed to protect against loss, misuse or alteration of personally identifiable information under our control. Unfortunately, no security system, or system of transmitting data over the Internet, can be guaranteed to be 100% secure. Therefore, while we employ industry standard security measures to protect your personally identifiable information, we cannot guarantee the security of our servers, the means by which information is transmitted between your computer and our servers, or any information provided to us or to any third party through or in connection with the site.
LINKS TO OTHER WEB SITES
The Site may contain links to Web sites owned by third parties. If you link to any such Web site, any information you disclose on that site is not subject to this Privacy Policy. You should consult the privacy policies of each Web site you visit. We are not responsible for the privacy practices of others. Any Site link to a Web site owned by a third party does not constitute an endorsement, approval, association, sponsorship or affiliation with the linked site unless specifically stated.
CHANGES TO PRIVACY POLICY
We reserve the right to update, revise or otherwise change this Privacy Policy at any time and any changes to the Privacy Policy will be effective upon posting. Your use of the Site constitutes your acceptance of the currently posted Privacy Policy, and you should therefore review this Privacy Policy regularly to ensure that you are aware of its terms.
CONTACT US; OPT-OUT
If you would like to update or otherwise change the personally identifiable information you have provided to us, or if you no longer wish to receive materials from us or want your personally identifiable information removed from our databases, please contact us at info@mcfunding.com . Alternatively, if and when you receive materials from us by email, you may make use of the “opt out” provision in such email to let us know that you no longer wish to receive such materials from us. If you have any questions about this Privacy Policy or our collection and use of your personally identifiable information, please contact us at info@mcfunding.com.
Vermont Privacy Policy
As an “opt-in” state, Vermont’s Privacy of Consumer Financial and Health Information Regulation and the Vermont Fair Credit Reporting Act afford Vermont consumers with certain rights that are not disclosed in Mega Capital Funding, inc.’s standard privacy notice. Below is an explanation of those rights and how Mega Capital Funding, inc. respects them.
Financial institutions may not share a Vermont consumer’s nonpublic personal financial information to a nonaffiliated third party without that consumer’s written, or if the consumer agrees, electronic authorization. Mega Capital Funding, inc. treats all consumers with a Vermont mailing address as if they have limited sharing with nonaffiliates as described on page 1 of our privacy notice.
For joint marketing, we will only disclose your name, contact information, and information about your transactions and experiences with Mega Capital Funding, inc..
The Vermont Fair Credit Reporting Act prohibits any company, including affiliates of Mega Capital Funding, inc., from obtaining information about a Vermont consumer’s creditworthiness without first obtaining that consumer’s consent. Mega Capital Funding, inc. treats all consumers with a Vermont mailing address as if they have limited sharing with affiliates as described on page 1 of our privacy notice except when a Vermont consumer has opted-in to such sharing and has not subsequently revoked his or her opt-in direction.
Mega Capital Funding, inc. takes the security of all its consumers’ nonpublic personal information very seriously. We have security practices and procedures in place to ensure the confidentiality of such information in accordance with our privacy and cybersecurity policies. As described in our privacy policy, Mega Capital Funding, inc. restricts access to the nonpublic personal information of each consumer to those employees and agents who we determine need to know that information to provide products or services to that consumer, service that consumer’s account, or maintain the systems that support that consumer’s account.
STATE SPECIFIC NOTICES
For California residents, the California Consumer Protection Act (the “CCPA”) provides various rights to individuals and households with respect to the collection and use of personal information that we have collected about you. Among other rights under the CCPA, you have the right to request that we: (i) disclose to you any personal information that we have about you; (ii) delete personal information that we have about you (subject to certain exceptions); or (iii) not “sell” your information to a third party (excluding qualified service providers), as that term is interpreted under the CCPA. If you are a California resident, you can submit such requests to us via the contact information provided below and we will complete the request within the timeframe permitted by law.
It is unlawful for us to discriminate against an individual for exercising any rights provided by the CCPA. We do not provide a financial incentive or a price or service difference to customers in exchange for the use, disclosure, or sale of their information, or to deter individuals from making such requests. We may send promotions or offers to individuals enrolled in our marketing communications.
However, please note that any personal information we collect from or about individuals in connection with our financial products or services are treated in accordance with applicable federal and state privacy laws such as the Gramm-Leach-Bliley Act (“GLBA”), Fair Credit Reporting Act (“FCRA”) and California Financial Information Privacy Act (“FIPA”). We therefore use and share any such information consistent with our Consumer Privacy Notice, referenced above, and such information is not generally within the scope of the CCPA.
Because there is not yet a consensus on how companies should respond to web browser-based do-not-track (“DNT”) mechanisms, we do not respond to web browser-based DNT signals at this time, but we do not collect information about users’ online activities across third-party websites.
