Privacy Policy

 

Updated December 16, 2019

 

The Council For Fair Lending, Inc. (“CFL”) provides this Privacy Policy to inform you of our policies and procedures regarding the collection, use and disclosure of personal information we receive from users of https://trainingsupportsystem.net and https:\\genesistraining.net and our Services (defined below).  Our primary goals in collecting information are to provide and improve our Site, software, services, features and content, to administer your account (together, the “Services”) and to enable users to enjoy and easily navigate the Services and Site.

 

It is very important that you read and understand this policy. If you do not accept our Privacy Policy, please do not use the Services.

 

We may update this Privacy Policy from time to time. Any revisions will be effective upon posting the new Privacy Policy on the CFL website at https:\\trainingsupportsystem.net and https:\\genesistraining.net. We will advise you that changes have been made by posting a notice on our website, emailing you, or otherwise. Your visit to the Site or use of the Services after any changes are posted constitutes your acceptance of the revised terms of our Privacy Policy. Please consult our Privacy Policy regularly for any changes.

 

If you have any questions or concerns regarding CFL policies or practices relating to privacy, please direct them to [info@borrowsmartcompliance.com]

 

As used in this policy, the terms “using” and “processing” information include using cookies on a computer, subjecting the information to statistical or other analysis and using or handling information in any way, including, but not limited to, collecting, storing, evaluating, modifying, deleting, using, combining, disclosing and transferring information within our organization or among our affiliates within the United States or internationally.

 

Collection and Use of Information

 

In the normal course of business, CFL may collect the following types of information:

   Information you provide to us to establish your CFL user account, including your name and email address.

   Information you choose to upload to the Site.

   Information we collect about you automatically, such as your IP address and your location.

   Information gathered by the Site and Services through online forms, site visit data and online information collecting devices such as “cookies.”

 

We may automatically collect certain aggregated data regarding your use of the Services, such as the frequency and manner of usage of the Services, and the extent to which certain features are used. Aggregated information is anonymous statistical information that reflects the scope of our user base, sales, customer patterns and related site information.

 

Use of Information

 

Personally-Identifiable Information

 

We use your personally-identifiable information (in some cases, in conjunction with your non-identifying information) to provide the Services, to communicate with you about your account, and to respond to your questions. We may use your personally identifiable information to notify you of changes to the Services, the Terms of use and/or Privacy Policy.

 

Non-Identifying and Aggregated Information

 

We may use non-identifying information about you and aggregate it with information collected from others who use the Services to attempt to provide you with a better experience, to improve the quality and value of the Services and to analyze and understand how our Site and Services are used. This information is not used in a way that will personally identify you. We may also use the combined information without aggregating it to serve you specifically, for instance to deliver a product to you according to your preferences or restrictions.

 

Cookies

 

We may use cookies to track and understand the traffic on our website. Cookies are alphanumeric identifiers that our website places onto your computer's hard drive. Cookies identify your computer so that we can recognize you the next time you visit us. We use cookies to collect and store some information about you, such as the name of the domain and host from which you access the Internet, the Internet Protocol (IP) address of the computer you are using, the date and time you access our website and the Internet address of the website from which you linked directly to our website.

 

Disclosure of Information

 

Personally-Identifiable Information

 

CFL will not share your personally-identifiable information with any third parties, with the following exceptions:

 

1.      We may employ third party companies and individuals to facilitate our Services, to provide the Services on our behalf, to perform Site-related services (e.g., without limitation, maintenance services, database management, web analytics and improvement of the Site’s features) or to assist us in analyzing how our Site and Services are used. These third parties have access to your personally-identifiable information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

2.      We may be obliged or deem it necessary or appropriate to disclose your information in certain special situations. These situations include: in response to legal process such as a court order or subpoena; to prevent or combat fraud; as required by federal or state law; enforcement of our Terms; and protection of the rights, reputation, property or safety of CFL, our users or others.

3.      We may disclose your information in connection with a merger, acquisition, reorganization or sale of assets or in the event of bankruptcy of CFL, or to parents, subsidiaries or affiliates of CFL.

Third Party Applications or Sites

 

If you access any third party applications, follow links from the Site or Services to another website, or view CFL from another website, the information you disclose may no longer be covered by this Privacy Policy. You are encouraged to check whether other privacy policies will govern before you release any personal information in such circumstances.

 

Aggregated Information

 

We may share aggregated statistical information and profile information about users of CFL with third-parties, including our distributors, vendors, actual and potential customers, business partners, and third-parties that offer products or services for use with the Services. This information is not linked to any personally-identifiable information.

 

Security

 

CFL is committed to taking appropriate measures to protect your privacy against unauthorized disclosures. CFL uses a variety of secure techniques designed to protect your information.

 

While we have implemented safeguards, you should be aware that internet and mobile security technology rapidly changes. As such, we cannot guarantee that the safeguards we employ today can protect your personal information from the threats of tomorrow, or that our security measures are failsafe and not subject to circumvention or unauthorized intrusion. You should also be aware that, despite our best efforts, factors beyond our control may result in disclosure of data.

 

Children’s Privacy

 

The Site and the Services are not directed to anyone under the age of 13. We do not knowingly collect personally-identifiable information from children under 13. If a parent or guardian becomes aware that his or her child has provided us with personally-identifiable information without their consent, he or she should contact us at info@borrowsmartcompliance.com. If we become aware that a child under 13 has provided us with personally-identifiable information, we will delete such information from our files.

 

Contacting Us

 

If you have any questions about this Privacy Policy, please contact us at info@borrowsmartcompliance.com.