Last updated: June 14, 2016
Loans available through our Site are provided by Cross River Bank. Personal information is provided to Cross River Bank in connection with each loan application. For information about how Cross River Bank collects, uses, and discloses your personal information in connection with your loan, see the Cross River Bank Privacy Notice.
To receive a loan, you must be a U.S. resident 18 years of age or older. Children under the age of 18 are not eligible to use this Site.
BorrowersFirst collects personal information from you while you use this Site. We collect most of this information when you inquire about or apply for a loan. Information we collect includes information that you are required to provide in order to get a loan, such as your name, address, email address, telephone or mobile phone number, Social Security number, date of birth, drivers license or state ID number, and financial account information,(such as your checking account and routing numbers), and other information that you may provide voluntarily. Additional information may be gathered any time you use of this Site. We also collect information about your loan account balance and payment history. We also collect a password so that you are able to access your account.
We may use the information we collect from and about you to:
Additionally, we may use the information we collect from and about you in any way that has been disclosed or described to you at the point of collection.
We may obtain information about you from other sources, including credit bureaus, fraud detection services and your employer. This information may include name, updated address or contact information, and information about your credit history and score. We may combine this information with the information we collect from and about you to determine continued creditworthiness, provide fraud detection services, and help us provide our services to you. In addition, we gather names and email addresses of people who contact us through our website with questions about our company and our products and services. We collect this information for the purpose of responding to such inquiries and marketing our products and services.
We will send you strictly service-related announcements when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email.
Based upon the information you provide us, we will send you a welcome email to verify your account information and password. We will also communicate with you in response to your inquiries, to provide the services you request and to manage your account.
As true of most Web Sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
To protect both you and us, we use services provided by our partners to help decide whether to accept transactions from personal computers, mobile phones, or other devices. These services check whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For these purposes, a cookie file, flash storage token, beacon, tag, script or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party’s server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party’s server returns a response recommending that transactions be accepted or denied, according to settings we have selected. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application.
In addition, we and our analytics partners use technologies such as cookies, or similar technologies to analyze trends, administer the site, track users’ movements around the site and gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these partners on an individual as well as aggregated basis.
Please note that our system may not respond to Do Not Track requests or headers from some or all browsers.
Information is shared with other parties in the following ways:
The Site may have links to third-party websites, which may have privacy policies that differ from our own. We have no control over the content of, and are not responsible for the practices of, such sites. Please consult the privacy policies on these sites before you provide them with any of your personal information.
Protecting children's privacy is important to us. We do not direct the Site to, nor do we knowingly collect any personal information from, children under the age of thirteen.
We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers and Site visitors. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures. We follow generally accepted standards to protect personal information submitted to us, both during transmission and once its received.
If you have an account with us, you may sign in to your account on the Site and update the personal information contained in the account. If you wish to deactivate, delete inaccuracies, or update your account, please contact us at email@example.com. We will respond to your request within a reasonable timeframe. We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you with services contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. We will respond to your access request in a timely manner.
Out of respect for your privacy, you may choose to stop receiving our newsletter emails by following the unsubscribe instructions included in these emails or contacting us at email@example.com.
You can also send questions or comments to:
Attn: Compliance Department
1114 Lost Creek Blvd, Suite 220
Austin, Texas 78716
BorrowersFirst, Inc. ("BorrowersFirst")
|FACTS||WHAT DOES BORROWERSFIRST DO WITH YOUR PERSONAL INFORMATION?|
|Why?||Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.|
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice.
|How?||All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons BorrowersFirst chooses to share; and whether you can limit this sharing.|
|Reasons we can share your personal information||Does BorrowersFirst share?||Can you limit this sharing?|
For our everyday business purposes--
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
For our marketing purposes--
to offer our products and services to you
|No||We don't share|
|For joint marketing with other financial companies||No||We don't share|
For our affiliates' everyday business purposes--
information about your transactions and experiences
|No||We don't share|
For our affiliates' everyday business purposes--
information about your creditworthiness
|No||We don't share|
|For nonaffiliates to market to you||No||We don't share|
|Questions?||Call toll-free 1-877-806-8860 or go to www.borrowersfirst.com|
|What we do|
|How does BorrowersFirst protect my personal information?||
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
|How does BorrowersFirst collect my personal information?||
We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, fraud detection services and your employer.
|Why can't I limit all sharing?||
Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- BorrowersFirst does not share with our affiliates. Our affiliates include SF Capital Investments, LP.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- BorrowersFirst does not share with nonaffiliates so they can market to you. Loans available through our website are provided by Cross River Bank. Personal information is provided to Cross River Bank in connection with each loan application. For information about how Cross River Bank collects, uses, and discloses your personal information in connection with your loan, see the Cross River Bank Privacy Notice
A formal agreement between nonaffiliated financial companies that together market financial products or services
- BorrowersFirst doesn’t jointly market.
|Other Important Information|
Special Notice For State Residents
For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.
For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.
For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.
BorrowersFirst loans are unsecured, personal loans made by Cross River Bank, a New Jersey State chartered bank, Member FDIC. Eligibility for a loan is not guaranteed. To receive a loan, you must be a US citizen or permanent resident and at least 18 years old (or 19 years old in Alabama). At this time, we do not accept loan applications from residents of Connecticut, Hawaii, Idaho, Iowa, Maine, Mississippi, Nevada, New York, Tennessee, Vermont, West Virginia, Wisconsin or Wyoming.