Our clients can feel secure in the knowledge that their personal data is properly managed. This document discloses the privacy practices for Accommodative Financial Solutions:

How the information is used.

With whom the information may be shared.

What kind of security procedures are in place to protect the loss, misuse or alteration of information under Accommodative Financial Solutions control.

Questions regarding this privacy policy should be directed to Accommodative Financial Solutions via our Contact Page by clicking here.

Table of Contents:

1. Security
2. Information We Collect
3. Tracking the use of our website
4. Our Use of Your Information
5. Payment Processing
6. Our Disclosure of Your Information
7. Control of Your Password
8. Changing Your Personally Identifiable Information
9. Other Information Collectors
10. Under 18s

1. Security

In order to process and protect your personal information, Accommodative Financial Solutions uses SSL (secure sockets layer) encryption. This is a 128 bit encryption that can be recognized on a secure page in the upper left hand corner of your address bar.

Instead of seeing the normal http:

You should see https: the extra s at the end is Security 128 bit encryption, so you can feel comfortable knowing that your information is being encrypted while it is being sent over the internet. To learn more about SSL click here
 

2. Information We Collect.

Our primary goal in collecting personal information from you is to provide you with a smooth, efficient, and personalized experience while using our services. This allows us to provide services that most likely meet your needs, and to customize our service to make your experience easier and quicker.

To fully use our services, you will need to apply using our APPLY NOW button, where you will be required to provide us with your contact information (e.g. e-mail address) and some other information relating to your unsecured loan or unsecured line of credit needs.

This personal information along with other information that you provide to AFS can only be viewed on a need to know basis. Only employees that need to know have the password that allows them to see sensitive personal information about you.

After we have completed our work with you and our transaction is finished, all sensitive information such as your Social Security Numbers is deleted from our system, so that no-one can ever use or sell that information.

3. Tracking the use of our website.

We automatically track certain information about you based upon your behavior on our site. We use this information to do internal research on our users' interests to determine the most popular services that we offer, and which ones are not so popular. The better we understand our clients the easier it will be for use to service them. This information is compiled and analyzed on an aggregated basis not on an individual basis.

Using the Site's web server log files, we have the ability to collect IP addresses to analyze trends, track users' movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. This information may include the URL that you just came from (whether this URL is on our site or not), which URL you next go to (whether this URL is on our site or not), what browser and operating system you are using, your IP address etc… This also allows us the ability to increase our service by knowing what our customers want.

In addition, we use cookies on certain pages of our site. We may also offer certain features that are only available through the use of a cookie. Cookies can also help us provide information which is targeted to your interests. Cookies are stored on your hard drive, not on our site. Most cookies are "session cookies," meaning that they are automatically deleted at the end of a session. The other type of cookie we use is a 'persistent' cookie. This stays on your hard drive and we use this to automatically identify who you are. We use this cookie so that you do not need to log in manually every time you visit the site if you are a registered user. The cookie itself contains no personally identifiable information but it does pass an ID to our server which allows us to tie the cookie to your personal information. We do this to allow us to let you know on the homepage what has changed on the site since your last visit. We also use the cookie to track how often you visit the site so we know who our most loyal users are. You are always free to decline our cookies if your browser permits, although in that case you will not be able to use certain features on our site. For example, if you disable cookies, you will need to log in manually each time you visit the site to check your loan status as we cannot use a cookie to remember who you are.

Some of our business partners (for example. Estara “Click to Call”) use cookies on our site. These are used to monitor site performance and to measure site traffic and usage. We have no access to or control over these cookies. This privacy statement covers the use of cookies by Accommodative Financial Consultants only and does not cover the use of cookies by business partners. To learn more about Estara's Privacy Policy click here

4. Our Use of Your Information.

We use personally identifiable information about you to assist in our consulting efforts to help you successfully apply for unsecured loans or unsecured lines of credit.

We also may use this information to statistically analyze site usage, to improve our content and product offerings and to customize our site's content, layout, and services. We believe these uses allow us to improve our site and better tailor it to meet our users' needs.

We use your e-mail address to send you information or other communications (for example, copies of the loan applications that you submit to lenders, or loan approvals or counter offers from lenders) that you have requested from the expert loan consultants. You can also get your loan status by  clicking here then clicking on the Loan Status link and entering your user ID and password.

5. Payment Processing.

 In order to process payments we require either an electronic check which contains your ABA wire number and the bank account number associated with the payment or your credit card information. For your protection, once the transaction is completed your sensitive information will be disposed of in accordance with # 2. Above, INFORMATION WE COLLECT.  

In the mean-time, your Personal Information is stored in our databases, which are located in the US and will stay in the US and never be shipped or outsourced over seas.

 6. Our Disclosure of Your Information.

Unfortunately, due to the existing regulatory environment, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy.

By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. We can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, or other activity that is illegal or may expose us to legal liability.

As a Strict Policy, we do not sell or rent any personally identifiable information about you to any third party.  If we can not help you with our services, we may from time to time refer you and your contact information, with no sensitive information to a third party, for a fee, but only after your written approval for us to do so.

Legal Requests. Accommodative Financial Solutions cooperates with law enforcement inquiries and other third parties to enforce laws, intellectual property and other rights. Local, and international law enforcement agents can request and may receive your personally identifiable information. 

7. Control of Your Password.

Except as specifically permitted by this section, you may not disclose your Accommodative Financial password to any third parties nor share it with any third parties. If you lose control of your password, please email us or contact us by clicking here, and click on the E-Mail Now button. We will email you new a password that you should change when you log in. Therefore, if your password has been compromised for any reason, you should immediately change your password.

8. Changing Your Personally Identifiable Information.

You can at any time review and change the information you submitted during registration by speaking with your personal loan consultant. You can connect to your consultant by clicking here.

Any update to your information if it changes will be logged and there must be a reason why it has been changed.
 

9. Other Information Collectors.

Except as otherwise expressly discussed in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. To the extent that you disclose your information to other parties, whether they are other members of the Site or other sites throughout the Internet, such as online loan applications through lenders, different rules may apply to their use or disclosure of the personal information you disclose to them.  
 

10. Under 18s

Children are not eligible to use our services and we ask that minors (under 18 years of age) do not submit any personal information to us.

Thank You for choosing Accommodative Financial Solutions as your unsecured loan consultants.