Your privacy is important and protected by us. Axa Loans (the “Company”) and our affiliates, partners, and nominees (collectively referred to as “we” and “us”) are committed to providing you with excellent service, maintaining a high level of security, and respecting your right to privacy. We are also committed to protecting your rights under the Gramm-Leach-Bliley Act (GLBA) and other applicable privacy laws in the United States of America.

This privacy statement describes how the Company and our affiliates, partners, and nominees collect, use, disclose, and retain personal and other information from you, and about you, during your visits to our websites, or through social media, mobile phone, and telephone calls, and when we provide you with products and services.

What Is Personal Information?

In this Privacy Statement, “personal information” means information about an identifiable individual, including your name and contact information.

What Does This Privacy Statement Apply To?
This Privacy Statement applies to our collection, use, and disclosure of your personal information except where otherwise permitted by law. For example, many types of personal information that are publicly available (e.g., in a telephone directory) may be collected, used, disclosed, or retained without your consent.

Your Consent

By providing your personal information, you consent to the collection, use, disclosure, and retention of that information by us in accordance with this Privacy Statement and as otherwise permitted by law. You may withdraw this consent at any time, subject to legal and contractual restrictions and on reasonable notice to us. However, you may not then be able to proceed with all intended interactions and transactions or receive the full benefit of our products and services.

When Do We Collect Personal Information?

We collect personal and other information about you when you: request further information or a call back; fill out an application or other form; apply for an account or membership; update your account or membership information; subscribe to a newsletter or information feed; register to receive information; or apply, register for, order, or use a product or service offered by us or to which you are referred by us.

We may collect personal and other information about you from the information you provide to us when you communicate with us by any means, including in person, via telephone, or via electronic services.

We may collect personal and other information about you from credit and consumer reporting agencies, independent businesses, and other persons, including those you have explicitly or implicitly authorized us to contact.

When you apply for, register for, request, order, or use products and services from us, depending on the nature of the product or service, the personal and other information we collect may include: your name, birth date, and address; your Social Security Number; telephone numbers; email addresses; social media identity, memberships, webpages, and networks; banking and financial information; credit card numbers; credit histories, reports, and scores; consumer and debt history; and other additional personal and identifying information that we may specifically request from you.

If we refer you to an independent business for a proposed transaction, then we may collect personal and other information from that independent business regarding the transaction to update your profile for use by us in the manner set out in this Privacy Statement.

We may automatically collect information concerning your use of our websites, social media, and other online services, including the dates and times and locations from which you access the services; information about the devices that you use to access the services; and other details of your use of the services. We take steps to ensure that this information is anonymous and does not identify you unless required by law to do otherwise.

Why is Personal Information Collected and Used?

If you fill out an application or another form, we may ask for personal and other information to help us communicate with you; evaluate your eligibility for programs, products, or services; and understand the information, membership, program, or products or services that may be right for you and make offers to you accordingly. We will also obtain other information about you from other sources you authorize us to contact, or from public sources.

Your personal and other information is required to repair or improve your credit, credit score, creditworthiness, and financial status or profile; offer and provide products and services related to credit and financial information; offer and provide debt solutions and foreclosure loss and mitigation information, memberships, programs, products, and services; offer and provide other credit and financial information, memberships, programs, products, and services; and offer and provide access to automobile and consumer goods and services to you now or in the future.

We may use your personal and other information for general and customized market analysis and research for you, and for personalized marketing to you of information, memberships, products, programs, and services from us and from independent businesses.

We also use your personal and other information to administer our relationship with you, and to manage your relationship with us, including to contact you regarding these matters; facilitate your interactions and transactions with us including processing your applications, requests, orders, and payments; provide products and services to you; process and respond to your inquiries, requests, and other communications; provide you with information regarding us and our products and services, and related products and services offered by independent businesses; administer and facilitate your participation in contests and promotions offered by us; maintain, protect, and improve our products and services and offer new products and services; protect and enforce our legal rights, interests, and remedies; and to protect the business and operations of us and other independent businesses.

UNITED STATES ANTI-SPAM LAW (CAN-SPAM) POLICY

By checking the Privacy Statement and CAN-SPAM Policy Box on our website and successfully submitting your application through our website, you are authorizing us and any third-party lender who may provide financing to communicate with you via email, social media, text message, telephone, fax, or any other form of electronic method via computers, smartphones, mobile or handheld devices, or telephones. We may send messages to our applicants, clients, customers, and members in relation to our services, programs, offers, and promotions or those of third parties, third-party lenders, and service providers.

You are welcome to unsubscribe at any time by either clicking the “unsubscribe” button on any of our emails, by directly contacting us by phone, mail, or email, or by any other means specified on our website or a relevant agreement.