Effective date: March 16, 2020
Notices Regarding Electronic Records, Signatures, or Disclosures (“E-Consent”).
Please review the following information attentively. fitmymoney.com may require you to conform to E-signatures, documents, or exposures as they are part of the offered Service. Upon agreeing with this E-Consent Notice, fitmymoney.com may or not communicate with you digitally.
That will include sending you electronic notices that may but are not limited to, your transactions and interactions. Upon agreeing to this E-Consent Notice, you also acknowledge the fact that you comprehend and consent to enter into legal commitments with the Lender Associates via E-Consent. These will have the same binding power as their paper alternative and will be equally lawful.
Terms and Conditions Regarding SMS
Once you provide your phone number to us via your Request Form, you acknowledge the fact that you understand and agree to receive SMS transmissions from our Lending Partners and us. The said communications may include but are not limited to SMS messages that contain links related to your completed Loan Request Form, an installment pay reminder from the Associates, or any prospective offer.
Know that if you have any questions or need assistance, you can contact us at [email protected].
We want to inform you that there may be applied data and SMS rates regarding these notifications. However, fitmymoney.com will by no means be accountable for them, as a third party like your wireless and SMS service carriers issues them. Additionally, any delay or undelivered regarding these are due to multiple possible factors that the carriers can’t be held liable for.
The stated T&Cs define the complete understanding between both sides, you and fitmymoney.com, and shall be strictly governed by the applicable state of California laws. Of course, this goes without regard to its principles of conflicts of laws.
If any portion of these Terms contradicts the law or is deemed unenforceable, such provisions shall be replaced. That will happen by finding a valid and enforceable term that is closest to the meaning of the original one.
All remaining parts of these Terms shall continue to be binding and in effect. fitmymoney.com’s failure to enforce any of the written in this document Terms shall not be accepted as a waiver of such terms or provisions.
Fitmymoney.com reserves its full rights to amend the terms at any given time by publishing the modified/revised terms on its Website. Know that any amended terms shall and will be immediately effective upon posting.
1. Legal Process
Fit My Money applies data under data protection laws. Legal basis of data processing are:
1.1. Contract performance
1.2. Legitimate interests
FitMyMoney processes information according to legal business grounds, to work, improve and promote the Services (to set up expertise or for analytics purposes) and protect business (guarantee the Site security).
1.3. Legal obligations
We may use some of your information to perform obligations and legal requirements (to address complaints from authorities and/or users, for example).
We may ask your permission to process/use some of your personal data to provide additional services (like newsletter subscription, for example). You can withdraw your agreement by contacting Us as We rely only on your permission as the legal basis of the process.
2. Information Collection
Our company collects information about using the website and services when using a website or services in this way:
2.1. The information you provide us with
2.1.1. Third-party services and forms
2.1.2. Contact us
2.1.3. Blogs, surveys, newsletters, and promotions
2.2. Information collected from you
Fit My Money collects the information related to your interaction with or use of the Website in the following ways:
2.2.1. Device information
For compatibility and delivery purposes (including geographic location, language, and time zone) We may collect such information as device type, its version, operating system type, language as well as certain information that can be received out of the user agent (i.e. browser type, its version, screen resolution, etc.).
2.2.2. Usage and interactions
To operate the Website, provide the Services and keep improving to be able to sync with the Partners and/or affiliates FitMyMoney collects certain information referred to your usage of and/or interaction with the Services. Such information includes timing for your clicks and page-views while on the Site, time/date stamp of the Website usage, internal URLs of the Website you have visited, your actions with respect to the Site (clicks, views, etc.), URLs that directed you to the Site, and URLs to which you are referred from the Website.
2.2.3. Log files
We may collect information via server log files as well as by deploying specific tracking technologies on the Website (like pixel tags, for example). FitMyMoney does it to track the users’ interaction with the Website and its Services and to analyze trends. The information We collect may include Internet Protocol addresses allocated to your device by your internet service provider. The collected IPs are held for a limited time for specific purposes only: 1) to better understand your geographic location, thus providing the Services relevant to your place of origin and in your own language; 2) to analyze IPs by the automated tools flag those that are fraudulent.
2.2.4. Cookies and similar technologies
Fit My Money has the right to use “Cookies” and other similar anonymous web tracking technologies (including web beacons, pixel tags). Such technologies may be implemented by us as well as third-party services. A cookie is a little file that contains a string of certain characters that is sent to your computer when you visit a website. When you visit the site again the cookie enables that website to recognize your browser. Cookies store your online preferences and other details referred to your interaction on a certain website. You can set certain features in your browser to reject all cookies or to alarm when a cookie is being sent to your browser. Keep in mind that certain services or features offered on the Website may function improperly without cookies as well as certain features can become unavailable for you in such a case. A pixel tag is a kind of technology that is often applied in cooperation with cookies. It may be placed on a site to track the users’ activity on that site or to monitor which emails are opened or accessed (if applicable).
2.3. Information we may get from third parties
FitMyMoney.com, as well as many other Internet-based services, operates in partnership, collaboration, interaction and sync with third parties which may include the affiliates, Partners, and other third parties. We may receive information from third parties with the purpose of enabling and facilitating such sync. Such information includes an internal user identifier that is generated by our system (not a unique identifier) as well as the summary of your actions (i.e. click, view, purchase, form submission, phone call, etc.). Upon your choice, you will be able to consume the service on a click-by-call basis on some sites. Thus, a third party facilitates the call transmission, tracking, and feedback. The third parties can provide us with the phone number you called from (without attaching any other information about you) for a limited time to resolve successful calls with our Partners and referrals. We do not use such information (except for this purpose) unless you give Us your explicit permission.
3. Consent, choice, and modifications
4. How we use personal information
5. Sharing your information
We do not share your information with the third parties except for the following cases:
5.1. Storage and security platforms
FitMyMoney may use third-party cloud/storage services to retain your information. We may send and/or share information to/with the third parties located anywhere in the world to store such information on our behalf and/or for other processing needs. We consider only those data platforms that comply with applicable data protection laws and maintain strict data security privacy protection policies. Their practices/activities are fully governed by their own privacy policies.
5.2. Social media platforms
5.3. Other third parties
We may send (or otherwise share) your information to/with the third parties that are assisting Us with our business operations (like email or phone administration providers, customer service operators, etc.). Thus, We can understand how the users interact with the Site and its Services, operate and improve them. These third parties adhere to their own privacy policies and FitMyMoney requires them to make them available whenever their services are provided. We advise getting aware of those privacy policies when the third parties render their services directly to you. Also, these third parties and their servers may be located anywhere in the world.
5.5. Partners and products
5.6. Third parties
6. Interaction with third-party properties
7. Access and accuracy
Some browsers offer a “do-not-track” option – the HTTP header field performing your site (or cross-site) activity tracking preference. We do not respond to DNT signals at this time. We may let the third parties providing us with analytics tools to collect the information referred to an individual consumer’s activities online over time and across various sites/services when a user interacts with the Website.
9. Information security
FitMyMoney as well as the third-parties/affiliates we are engaged with implement data security procedures and systems to keep the information transmitted safe, securely processed and stored on the Website, Our servers, and systems. The Site is encrypted by using SSL. We periodically review our information collection practices to ensure constant monitoring.
Third-party processing and serving services implement various information security standards and certifications, monitor and filter data access when it refers to personnel in our organization.
Such procedures and systems reduce the risk of breaches but they do not ensure absolute security as there is hardly such a thing when it comes to the world-wide network. We cannot guarantee that the Website is immune to unauthorized access to the information retained therein and to other information security risks.
9. Children’s privacy
The Website is not designed to attract children under the age of 16. Accordingly, we do not intend to collect information from anyone known to be under 16.
Protecting your privacy online is an evolving practice and We apply our best efforts to evolve FitMyMoney.com to meet the requirements related to all jurisdictions in which the Website is available.