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plura Financial Solutions Privacy Policy
Keeping your information secure is our most important responsibility. We safeguard all business, personal and financial information trusted to plura. Our commitment is that any data collected through the plura Platform is used solely to provide the services requested by the user. plura Financial Solutions operates under the following privacy principles:
Last Updated: May 01, 2011
General Statement
plura Financial Solutions respects your privacy and has developed this Privacy Policy to demonstrate its commitment to protecting your personal and financial information (information). As a user of this website (the Site), your privacy is important to us. This policy is designed to provide you with an overview of how we collect, use, share, and protect your information. We encourage you to read this Privacy Policy carefully when using our Site and services. By using our Site, you are accepting the practices described in this Privacy Policy. If at any time you wish to access the information that you have provided to us, if you wish to terminate your account with us, or if you have any questions or concerns regarding our use of your information, you can contact us at support@plurafinancial.com. In general, you can visit our Site without disclosing any information. plura does not keep track of the domains from which people visit us.
Definitions
The terms and use refer to plura. The terms you, your and user refer to all individuals and/or entities accessing this website for any reason.
Information We Collect From You
When you visit our Site we will not collect any information from you unless you provide it to us voluntarily. In order to make use of our services, you will need to provide us with data that can identify you or your business such as business name, owner name, mailing address, telephone number, and e-mail address. You may also need to provide financial information concerning your business (such as revenues, assets, and liabilities) and/or personal financial information (such as income, assets, or debts). We may also ask that you provide personal information (such as gender, age, or Social Security Number). Our primary purpose in collecting this information from you is to provide you with the functionality and services offered by plura. We collect these data in order to provide potential lenders with the information they need so that you receive the most competitive and accurate loan terms. We do not intend to collect personal information from children under 13 years of age and no part of our Site is structured to attract anyone under the age of 13.
Use of Cookies
This Site uses temporary cookies to enhance the user experience. A cookie is a small text file that helps us make your visit to our Site more enjoyable. For example, cookies avoid you having to log in every time you come back to our Site. They also allow us to tailor our Site to better match your interests and preferences. This Site uses only temporary session cookies. A session cookie is stored only in your computer's working memory (RAM) and only lasts for the duration of your browsing session. When you close all of your browser's windows, or when you shut down your computer, the session cookie disappears forever. No personal information is stored in the cookie and the cookie is removed at the end of the user session. We do not allow third-party cookies within our web application.
How We Use Your Information
We use the information that we collect from you to provide you with the products and services that you have requested. We may also use your information to:
- manage our relationship with you and provide you with customer support;
- communicate with you by e-mail, postal mail, telephone and/or mobile device concerning our products or services or changes to this Privacy Policy;
- provide lenders conditional loan offers to you;
- provide you with your personal information upon request;
- enforce our terms and conditions;
- prepare marketing reports of customer activity in forms that do not identify you individually or reveal your identity;
- manage and market our business; and
- perform functions as otherwise described to you at the time of collection.
How we Share Your Information
In order to provide you with the best possible service, we share some of your information with
potential lenders. The data presented to the potential lenders does not reveal information that
can be used to specifically identify you personally or your business. Your anonymity will only be
lifted once you and a lender agree on a preliminary term sheet. At this point it is necessary for
the lender to contact you in order to conduct due diligence external to our services.
Circumstances may arise where for business reasons, plura decides to sell, buy, merge, or otherwise
reorganize its businesses. Such a transaction may involve the disclosure of personal identifying information
to prospective or actual purchasers. We intend to seek appropriate protection for information in these
types of transactions.
Under certain circumstances, your information may be subject to disclosure pursuant to a judicial or
other government subpoenas, warrants or orders.
We do not share your information with any third parties except as specified above. At any time you may
update your profile and loan application. Furthermore, you can withdraw a loan application, removing it
from the view of potential lenders.
Special Notice to California Residents We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. If you are a resident of California, in addition to the rights set forth in this Privacy Policy, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information:
- the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year;
- the names and addresses of the third parties that received that information; and
- if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed.
How We Secure Your Information
Keeping your information secure is our most important responsibility. Our web application security features include SSL encryption, database encryption, and two-factor authentication. Our application architecture is designed to protect against the most common forms of malicious web attacks including SQL injection and cross-site scripting. The physical security is equally safeguarded. The plura infrastructure is hosted in a secure, non-disclosed facility. This facility provides stringent environmental controls, biometric access controls, and 24 hour security personnel. plura contracts with multiple third-party firms to conduct vulnerability assessments and penetration tests on all levels of the application. These security audits are performed regularly to protect against the latest malicious attack protocols. plura will exercise all reasonable efforts to safeguard the confidentiality of your information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, we will not be liable for unauthorized disclosure of your information due to no fault of plura including, but not limited to, errors in transmission and unauthorized acts of our staff and/or third parties.
How Can You Access Your Information
If you would like to view the information that you have voluntarily submitted to us, please contact us at support@plurafinancial.com
Opt-Out Right
You have the right at any time to cease permitting your information from being collected, used or disclosed by plura. Right of cancellation may be exercised by contacting us via email at support@plurafinancial.com. After processing the cancellation, plura will delete your information from its database.
Changes To This Privacy Policy
We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the "last updated" date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an e-mail to the e-mail address you most recently provided us in your account, profile or registration (unless we do not have such an e-mail address), and/or by prominently posting notice of the changes on our Site. We recommend that you check our Site from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.
Third Party Links and Websites
Occasionally we will provide links to other websites. We encourage you to review the privacy statements of all sites which you visit, including those whose links are provided so that you can understand how those sites collect, use, share, and secure your information. We are not responsible for the privacy statements, content or data handling practices on other websites.
Terms of Use
If you choose to use the Site, your action is hereby deemed acceptance of plura's practices described in this policy statement. Any dispute over privacy between you and plura is subject to the provisions of this policy and to plura's Terms of Use Agreement which is hereby incorporated herein and which can be read at the following link: Terms of Use