Privacy Policy
The Collateral Lender, Inc., a California Corporation, doing business as (“dba”) CollateralLender.com also dba, Maxferd Jewelry & Loan (collectively, “COMPANY”) respects your privacy and will do its best to earn and keep your trust. This Privacy Policy identifies how we collect, use and protect the personal information you provide to us when you visit the Maxferd.com and other COMPANY branded URLs (“Websites”). COMPANY will request some information from you and automatically collect information about your use of the COMPANY Websites and the COMPANY Service (both as defined in the COMPANY Terms of Use). Further, COMPANY will request information from third party services if such services are activated via COMPANY. This policy (the “COMPANY Privacy Policy”) describes our online privacy practices and what personal information we may collect from you and what we will and will not do with that information.
COMPANY WILL NEVER DISCLOSE THE PERSONAL INFORMATION OF INDIVIDUALS OR ENTITIES WHO HAVE SOLD PRODUCTS OR GIVEN PRODUCTS (AS COLLATERAL) TO COMPANY (subject to provision 2(ii) below).
1. How We Collect and Use Personal Information
When you register with the COMPANY or use the COMPANY Websites, we may ask you for certain personal information, including, but not limited to, email address, postal address, age, gender, residence, date of birth and password. In addition, when you use the COMPANY Websites, we will automatically receive information about your use of the service and website including information such as media that you access, queries you make, date and time of your request, your Internet protocol address, performance of your network and computer, your browser type, language and identifying information, your operating system and application version.
We will use your personal information:
(i) To help improve COMPANY Websites and COMPANY Products and Services to make your personal experience more enjoyable;
(ii) To send newsletters informing you of COMPANY Website updates, Vendor additions, promotional offers, contests, newly available products and other pertinent announcements;
(iii) To share only with registered Vendor partners on COMPANY Websites whose intent is to provide you with a product or service;
(iv) To provide the products and services that you have purchased or requested (including the display of customized content and advertising);
(v) To communicate with you concerning your account, customer service issues and COMPANY products and services;
(vi) To ensure the technical functioning of our products and services;
(vii) To develop new products and services;
(viii) To protect the copyright-protected content of the COMPANY Websites (e.g. by limiting access to the COMPANY Service content to users with a COMPANY account); and
(ix) As otherwise stated in this COMPANY Privacy Policy.
2. Sharing Information with Others
Unless you give us your explicit approval and except as outlined in Section 1 above and except with respect to, COMPANY affiliates (being other companies controlled by or under common control with us) and registered Vendor partners, we will only share your personal information for the purposes set forth under Section 1 (i) to (ix) above or as is necessary to:
(i) Enforce the terms and conditions of the COMPANY Terms of Use.
(ii) Comply with laws, regulations and any applicable court orders or to respond to requests from governmental or administrative bodies or to comply with litigation matters or other legal process.
(iii) Allow for a change of ownership of COMPANY (including but not limited to an acquisition by or merger with another company) and related transfer of all personal information to the new owner in which case any information remains protected in accordance with this COMPANY Privacy Policy.
(iv) Allow advertising audits and analysis measuring the size and composition of the group of users that have viewed an advertisement or other promotional information.
(v) Allow us to use a third party to perform surveys measuring your experiences and use of our services (not permitting the third party to use your personal information for any other purpose).
(vi) Allow us to share aggregated statistics about use of the COMPANY Site and the COMPANY Service with parties with whom we do business.
In some cases, access to certain other third party products and services which are offered or advertised through COMPANY Websites may also require you to provide your personal information to third parties, such as our business partners. COMPANY has no control over the use or distribution of your personal information once it is passed to a third party business partner and the third party’s use of such information is governed by that party’s privacy policy. Please visit and carefully review the privacy policy of our business partners to make sure that you understand how they use the personal information you provide to them. If you do not wish for such use of your personal data to take place, you should not register for the third party business partner’s product or service. COMPANY is not responsible for the privacy practices or the content of other websites that may be linked to COMPANY Websites.
3. Security
COMPANY maintains reasonable security procedures and practices appropriate to the nature of the information, to protect the personal information from unauthorized access, destruction, use, modification, or disclosure, but we make no assurances about our ability to prevent any such access, destruction, use, modification, or disclosure.
4. Children’s Personal Information
The COMPANY Websites are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13 years of age. If you are under 13 years of age you should not use the COMPANY Websites and under no circumstances should you provide personal information to us. We take reasonable precautions to prevent children under the age of 13 from submitting their personal information through the COMPANY Websites, however, if we discover that a child under the age of 13 has provided us with personal information, we will immediately delete that child’s information.
5. International Users
COMPANY Websites are hosted on servers in the United States and all information collected by COMPANY Websites will be collected, stored, used and otherwise processed in the United States, including information voluntarily provided by users outside the United States. By accessing and using COMPANY Websites, you consent to the transfer to and use of your information in the United States in accordance with this Privacy Policy.
6. Browser Level Information
COMPANY Websites’ web servers automatically collect information about a visitor’s IP address, browser type and referrer by reading this information from your browser. This information is collected in a database and used to help us recognize you each time you return to our Websites. It is also used in an aggregated anonymous manner – in our internal analysis of traffic patterns within our Websites. This information is automatically logged by most websites.
7. Cookies
We may also store information about you using cookies (files which are sent by us to your computer or other access device). We do this to help improve the user experience of the website and to utilize certain information to assist us in better understanding your preferences. If you want to delete any cookies that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies. Please note that by deleting our cookies or disabling future cookies you may not be able to access certain areas or features of our site.
8. Search Term Collection
COMPANY Websites track, record and aggregate what is searched for on the Websites, including products and services. This information is used for internal monitoring purposes and in the manner set forth for personal information in this Privacy Policy.
9. Access To Personal Information and Corrections
You can access and update some of the personal information we keep on you through the COMPANY Service or by sending a request . We will respond to your request upon verification of your identity within a reasonable period of time, and to the maximum extent practical.
10. Links
We may display links to third party websites and ads. Please note that we cannot control and cannot be held responsible for the privacy policies of such websites. You should always carefully read the privacy policy of a website to find out more about how personal information is collected and processed.
11. User Content
You grant COMPANY a license to use the materials (e.g, photos, tips, reviews and other information) you post to the COMPANY Websites (to the extent possible). By posting, downloading, displaying, performing, transmitting, or otherwise distributing information or other content (“User Content”) to the COMPANY Websites, you are granting COMPANY, its affiliates, officers, directors, employees, consultants, agents and representatives a license to use User Content in connection with the operation of the Internet business (e.g., blog, social media outlets, and consumer sites such as Facebook, Twitter, Pinterest, Bizrate, Yelp, etc.) of COMPANY, its affiliates, officers, directors, employees, consultants, agents and representatives, including without limitation, a right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat User Content. You will not be compensated for any User Content. You agree that COMPANY may publish or otherwise disclose your name in connection with your User Content. By posting User Content on the COMPANY Websites, you warrant and represent that you own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content. You shall obtain consent from your photographer before posting any photos and shall provide any necessary photo credit.
12. Changes to this Privacy Policy and Notices
COMPANY reserves the right to make changes to this COMPANY Privacy Policy in its sole discretion without notice to you. We encourage you to review the Privacy Policy on a regular basis. If we make any changes to this policy, you agree that notification is sufficient by our posting the new version of the policy on the COMPANY Websites. It is your own responsibility to check the website for such postings from time to time. You may also be asked to re-acknowledge and re-accept this Privacy Policy following any material changes.
Please note that by accepting the COMPANY Terms of Use or by using the COMPANY Websites, you consent to the collection and processing of your personal information as described in this COMPANY Privacy Policy, as well as the other terms of this Policy. As mentioned above, if we make any changes to this COMPANY Privacy Policy, the only notification shall be by posting the new version of the policy on the COMPANY Websites. Your continued use of the COMPANY Service or the COMPANY Websites following the posting or other notice of changes to this COMPANY Privacy Policy will constitute an acceptance of such changes.
13. Consent
By using the COMPANY Websites and COMPANY Service and by providing your personal information to COMPANY, you hereby agree to the COMPANY Privacy Policy and Terms of Use. If you do not agree with the COMPANY Privacy Policy and the use or disclosure of your personal information, please do not provide your information.
14. Opting Out
You may request to be removed from our marketing database anytime by contacting us.