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Privacy Policy

Last updated: July 07, 2021

This privacy policy (“Privacy Policy”) describes Turning Point Lending, LLC (“We”, “Us”, “Our”, Turning Point  or Company) policies and procedures on the collection, use and disclosure of Your information when You interact with the Company, such as when You visit our website, when You apply for a loan, or when You call our support associates.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Turning Point is in compliance with all applicable federal and state privacy laws and regulations.

Collecting and Using Your Personal Data

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

  • Identity Data includes first name, maiden name, last name, username or similar identifier, salutation, company name, date of birth.
  • Contact Data includes billing address, delivery address, email address, and telephone numbers.
  • Financial Data includes bank account and payment card details.
  • Transaction Data includes details about payments to and from You and other details of products and services You have purchased from us, and payments processed in connection with the use of the Services.
  • Technical Data includes internet protocol (IP) address, internet service provider (ISP), date/time stamp, Your login data, browser type, language and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices You use to access this website.
  • Profile Data includes Your username and password, preferences, feedback and survey responses.
  • Usage Data includes information about how You use our app, or products.
  • Marketing and Communications Data includes Your preferences in receiving marketing from us and our third parties and Your communication preferences.

 

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

 

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information.

Necessary / Essential Cookies

These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

Cookies Policy / Notice Acceptance Cookies

These Cookies identify if users have accepted the use of cookies on the Website.

Functionality Cookies

These Cookies allow us to remember choices You make when You use the Website, such as remembering Your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter Your preferences every time You use the Website.

Tracking and Performance Cookies

The information gathered via these Cookies may directly or indirectly identify You as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device You use to access the Website. We may also use these Cookies to test new pages, features or new functionality of the Website to see how our users react to them. For more information about cookies, visit www.aboutcookies.org

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made Your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy

Use of Your Personal Data

 

The Company may use Personal Data for the following purposes:

  • To provide and maintain our Service, including to monitor the usage of our Service.
  • To manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
  • For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
  • To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
  • To provide You with news, special offers and general information about other products which we offer that are similar to those that You have already purchased or enquired about unless You have opted not to receive such information.
  • To attend and manage Your requests to Us.
  • We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and Your experience.

 

We will only share information as allowed by law and described in this policy. We may share Your personal information in the following situations:

  • We may disclose your personal information to our parent, subsidiaries, and affiliates or to our contractors, service providers, and other third parties we use to support our business.
  • We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
  • We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
  • We may share Your information with Our business partners to offer You certain products, services or promotions.
  • We may disclose Your personal information for any other purpose only with Your consent.

 

We will not sell your personal data to any third party

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain Your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies with you, including our Terms of Service .

Disclosure of Your Personal Data

 

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Individuals Under the Age of 18

Our Website is not intended for individuals under 18 years of age. No one under age 18 may provide any personal information to or on the Website. We do not knowingly collect personal information from individuals under 18. If you are under 18, do not use or provide any information on this Website or through any of its features or register on the Website. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at compliance@turning-point-lending.websitepro.hosting

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Opting Out and Unsubscribing

Email
Users can unsubscribe from receiving digital marketing communication offers from Turning Point Lending at any time by clicking the unsubscribe link located at the bottom of any marketing communication email.

Text
You may opt-out and remove your SMS information by sending “STOP”, “END”, “CANCEL”, “UNSUBSCRIBE” or “QUIT” to the SMS text message you have received. To cancel text message alerts, simply reply STOP to the message received to opt-out of respective text alert program. Text STOP.

Postal Mail
To opt out of posted mail marketing communications, please write to compliance@turning-point-lending.websitepro.hosting include your name and mailing address or send your request to 12 Penns Trail, Suite 130, Newtown, PA 18940.

California Residents

Residents of the state of California have the right to request from us the types of personal information we share with third parties for their direct marketing purposes in compliance with CCPA (California Consumer Privacy Act). To exercise your rights, please contact us at compliance@turning-point-lending.websitepro.hosting

Our Security Measures

We take careful steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to perform their jobs, and we provide regular training to our employees on privacy, information security, and their obligation to safeguard your information. We maintain physical, electronic, and procedural safeguards that comply with industry standards to protect your personal information and we regularly test those safeguards.

You can safeguard your personal information by taking a few simple precautions. Protect your account numbers, passwords, PIN’s, and customer access numbers. Never disclose confidential information to unknown callers. You should always use a secure browser and current virus detection software, and never open e-mail from unknown sources. protects your personal/private information.  We protect Your personal and private data through the use of the industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our services remains protected.  If you believe that your data is no longer secure, please notify us at compliance@turning-point-lending.websitepro.hosting.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will contact You via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If You have any questions about this Privacy Policy, please contact us.