Terms and Conditions

Privacy Policy

Your privacy is important to us! This Privacy Policy describes the information we collect about you and how we use that information. This Policy applies if you visit this site, including if you have applied for or received a loan or any other financial product or service from us. The Notice of Your Financial Privacy Rights is part of this Policy. By using this Website, you acknowledge and agree to the terms of this Policy.

Information We Collect About You

We collect nonpublic personal information about our customers. “Nonpublic personal information” is information about you that is not publicly available.

We may collect “nonpublic personal information” about you from the following sources:

• Information we receive from you on applications or other loan forms, such as your name, address, social security number, income, and employment information.
• Information you provide us through our Website, including your name, e-mail, cell phone, and home telephone numbers, regardless of whether you apply for a loan.
• Information about your transactions with us, our affiliates, or others, such as your loan and payment history.
• Information we receive from consumer reporting agencies, other data providers, or their service providers.

We also may collect and/or track the following information other than nonpublic personal information: Web page http headers, home server domain names, IP addresses, type of computer, type of Web browser, information from third-party Web analysis programs, information you provide us through applications, online forms, registration forms, surveys, and/or other entries, such as e-mail addresses, personal, financial, or demographic information, information on what pages our visitors access, and e-mail addresses of visitors that communicate with us via e-mail.

Our website is not directed at children under the age of thirteen, and we do not knowingly collect or maintain information from children under the age of thirteen. You must be at least eighteen years of age to obtain a loan from us.

How We Use Your Information

Where we obtain such information with your express authorization, you have the right to revoke such authorization at any time by emailing help@desertrockcapital.com and revoking such consent. Such third parties include consumer reporting agencies and other data providers, including through service providers. If you do not provide such information, we may also use other information that you provided for the purpose of verifying your eligibility for a loan or for any other programs, offers, or services. Upon qualification, your loan-specific financial information will be stored and utilized to provide you with the products and services you request in accordance with the terms of our Privacy Policy.

We may also use your information to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to provide you with information about our company and promotional material from us or our partners. We may also use your information to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future communication regarding site updates, new products and services, and upcoming events.

When you give us your email address, you are agreeing to receive email messages from us, including marketing or promotional messages.

 

Binding Arbitration

Any and all controversies, claims, alleged breaches or disputes rising out of or relating in

any way to this Agreement, including whether any controversy, claim, alleged breach or dispute is subject to arbitration, and including, without limitation, any and all claims that would otherwise be subject to class actions, shall upon the request of any party hereto, be subject to binding arbitration pursuant to the Commercial Arbitration Rules administered by the American

Arbitration Association (“AAA”), under the AAA Consumer Rules in effect at the time the claim is filed (*AAA Rule”). Copies of the AAA Rules and forms can be located at www.adr.org, or by calling 1-800-778-7879. The arbitrator’s decision shall be final, binding, and non-appealable. Judgment upon the award may be entered and enforced in any court having jurisdiction.