BadCreditLoanServices.com, part of the eSmartCredit Network™ ("ESC"), has created this privacy policy in order to demonstrate our firm commitment to your privacy. The following discloses our information gathering, use and dissemination practices solely for this web site (the "Site") and its affiliated sites. By using or accessing the Site, you signify your assent to our Privacy Policy.

We do not collect personal information about Site users unless such information is voluntarily provided by the user. Our registration forms require consumers to provide certain contact information such as name and email address. This contact information is used and shared to facilitate the process of the service the consumer requests to send you promotional offers for various products and services via direct mail, telemarketing, SMS text messaging and email from third parties whom we work with that we feel may be of interest to you. Consumers who opt-in to receive offers or voluntarily provide their personal information to ESC may receive email, telephone calls or direct mail from ESC or our partners with whom we share personal information. If you do not want to receive offers from ESC or its partners, you may opt-out of receiving future communications; see the Choice/Opt-Out section below.

We may need to disclose personal information when required by law and when we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on us or to assist in the investigation of any potential fraud. We may also disclose personal information in connection with a sale, merger or reorganization of ESC.

Collection and Use of Non-Personal Information

We may collect non-personal information (or aggregate information) during your use of our Site, including IP address, pages viewed, click-stream data and browsing habits. Non-personal information may be shared with third parties who are not affiliated with ESC.

Our Site uses cookies to keep track of your session and to make sure you don't see the same ad repeatedly. We use (and our third party advertisers may use) cookies to deliver content specific to your interests. We also use cookies once a form is submitted as an indicator that the application was filled and if you try to fill out another one within 60 days it will give you an option to either fill out another application or leave. "Cookies" are pieces of information that may be placed on your computer by a web site for the purpose of facilitating and enhancing your communication and interaction with that web site. Many web sites use cookies for these purposes. You may stop or restrict the placement of cookies on your computer or flush them from your browser by adjusting your web browser preferences, in which case you may still use our Site, but it may interfere with some of its functionality. ESC does not use cookies to automatically retrieve personal information from your computer without your knowledge.

In addition to cookies, we may also use (and our third party advertisers may use) clear gifs or web beacons to improve the performance of the Site, provide certain features such as advertising or to anonymously track usage of the Site. Clear gifs / web beacons are tiny graphics with a unique identifier, which operate much like a cookie, and are used to track the online activity of Site users. In addition, we may use such devices in our HTML-based emails to track the usage of such emails in much the same manner as usage of the Site is tracked. These devices are not used by ESC to automatically collect person information.

Wireless Policy

We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

Detailed Wireless Policy

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.

We may use personal information to provide the services you've requested, including services that display customized content and advertising. We may also use personal information for auditing, research and analysis to operate and improve our technologies and services. We may share aggregated and non personal information with third parties outside of ESC. When we use third parties to assist us in processing your personal information, we require that they comply with our Privacy Policy and any other appropriate confidentiality and security measures. We may also share information with third parties in limited circumstances, including when complying with legal process, preventing fraud or imminent harm, and ensuring the security of our network and services.

You may remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. You may remove your information by sending your request in writing via email by Clicking Here or by sending "STOP", "END", "QUIT" to the SMS text message you have received.

Security

This Site has reasonable security measures in place to attempt to protect against the loss, misuse or alteration of personal information under our control. We use SSL 128-bit encryption to transfer any personal information that you may submit in our application. However, due to the inherent open nature of the Internet, we cannot guarantee that communications will be free from unauthorized access by third parties such as hackers and your use of the Site demonstrates your assumption of this risk.

Choice/Opt-Out

To opt-out of any of a mailing from ESC, you may follow the opt-out procedures set forth in our emails to you or send an email by Clicking Here. If you do not wish us to share your personal information with third parties who may use such information for direct marketing purposes, you may send an email to us by Clicking Here.

However, we are not responsible for removing your personal information from the lists of any third party who has previously been provided your information in accordance with this policy.

Correct/Update

To change and modify information previously provided to ESC, you may contact us by Click Here.

Links

This Site contains links to other sites. ESC is not responsible for the privacy practices or the content of such sites that are not operated by ESC. Please read the privacy policies of these linked sites, because their privacy practices may differ from ours.

Protection for Children

We have no intention of collecting personal information from children under the age of 13. When we become aware that personal information from a child under 13 has been collected without such child's parent or guardian's consent, we will use all reasonable efforts to delete such information from our database.

Changes to Privacy Policy

We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time. However, if at any time in the future we plan to use personal information in a way that differs from this policy, we will post such changes here and provide you the opportunity to opt-out of such differing uses. Your continued use of the Site following the posting of any changes to this policy means you accept such changes.

Legal Statement

Use of this Site is governed by, and subject to, the legal notices contained in our Legal Statement. Your use, or access, of the Site constitutes your agreement to be bound by these provisions.

This privacy policy is effective and was last updated on May 7, 2007.

Contacting BadCreditLoanServices.com

If you have any questions about this privacy policy, the practices of this Site, or your dealings with this Site, you can contact:

eSmartCredit Network
Att: BadCreditLoanServices.com
1900 N.W. 97th Avenue #728
Miami, FL 33172

Or Click Here to contact us by email!