We care about protecting your information and using it to make sure your business gets the best financial solutions available
Last Updated: January 10, 2022
This Privacy Policy applies to all persons described in the Terms of Use applicable to this website.
Collection of Information
This
Privacy Policy applies to Public Loan Company Incorporation, our web
site at www.plcincorporation.com (the “Site”), and our Services. Our
Services consist of loans made to businesses and individuals. This
Privacy Policy explains how Public Loan Company Incorporation, uses,
shares, and protects the personal information of our online visitors and
customers. Our services are intended for visitors over age 16, and we
do not knowingly collect or solicit information from persons under 16
years of age.
Collection of Personal Information
Public Loan
Company Incorporation and each of its representatives, successors,
agents, assigns and designees (“Recipients” and collectively “we”) will
collect personal information required to verify your personal and/or
business information to qualify you for loans directly funded by Public
Loan Company Incorporation or with active banks, non-depository lenders
and other lending sources. We may collect personal information from you
when you make an inquiry, contact us, or request or submit an
application for a loan. “Personal Information” is information that
identifies you, or can be used to identify you, directly or
indirectly.We may collect personal information that includes, but is not
limited to, your financial statements, bank statements, personal and
business information, personal and business credit history, social
security number, tax ID number and bank information. We may visit your
website to obtain more information. Personal information requested for
applications is required to process your application. You give consent
for Public Loan Company Incorporation and Recipients to request (a)
credit report(s) on all persons described in the Terms of Use from one
or more consumer and business reporting agencies, such as TransUnion,
Experian and Equifax, and from other credit bureaus, banks, creditors
and other third parties. You also authorize Public Loan Company
Incorporation employees or representatives to complete the fields
required within our loan application on your behalf, subject to your
review. You also consent to the release to us by any creditor, financial
institution, or other third party who has done business with you of
information relating to any of you, excluding information directly or
indirectly taken from personal or business credit reports. Once you have
submitted an application, we may reach out to you again for more
information.
We may collect your name and email address when you
submit a webform, or contact us directly using our Site. We use this
information to respond to your inquiries, communicate with you, or for
other informational or marketing purposes in accordance with your
marketing preferences.
We may also collect indirect information
about how you access or use the Site and our services. This indirect
personal information may include your computer operating system, browser
type, browser language, web pages visited, Internet protocol (IP)
address, and other information about your use and actions on our Site.
We use this information to analyze, administer, or optimize the Site,
and monitor usage to help improve our Site and services.
Security and Information Storage
We
take the security of your information very seriously. We use reasonable
physical, technical, and organizational measures to protect and secure
your personal information. We strive to implement best practices to
safeguard your information, but you should understand that no data
storage or data transmission process is guaranteed to be 100% secure.
Public Loan Company Incorporation protects your information with 2048
bit Secure Sockets Layer (SSL) encryption. This creates a bank level
encrypted connection when submitting application forms on the Public
Loan Company Incorporation website. All data is securely kept on Amazon
Web Service’s servers in the United States.
If you allow Public
Loan Company Incorporation to see your banking information online rather
than in paper form, we may record that information on a read-only
basis. We do not have access to change, edit, or modify your online
banking account information in any way, nor to make any transactions on
your behalf.
Use of Information
We may use the information you
provide about yourself and/or your business to fulfill your requests
for our Services, to respond to your inquiries about our Services, and
to offer you other products, programs, or services that we believe may
be of interest to you. We may use your information to complete
transactions you request, to verify the existence and condition of your
accounts, or to assist with a transaction. We may use your information
to improve and personalize the Services and any related services,
including future products and services. For example, we may use your
information to pre-fill form fields on the sites for your convenience.
Sharing of Information
We
may share your information with third party vendors or service
providers to fulfill our legitimate business purposes, such as to extend
credit, or provide analytic or archival services. We also share your
information when required to comply with legal, law enforcement, or
government requests. We do not sell or give your information to other
third parties.
We may share personal information about you as follows:
To transmit our loan application form, along with any foregoing
information obtained in connection with this application, excluding
information directly or indirectly taken from personal or business
credit reports, to any or all creditors, financial institutions and
other third parties to render the Services;
With academic and non-profit institutions for research purposes, on a de-identified basis;
In connection with, or during the negotiation of, any merger, sale of
company stock or assets, financing, acquisition, divestiture, or
dissolution of all or a portion of our business on a de-identified
basis;
To respond to subpoenas, court orders, or legal process;
In order to investigate, prevent, defend against, or take other
action regarding violations of our Terms of Use, illegal activities,
suspected fraud, or situations involving potential threats to the legal
rights or physical safety of any person or the security of our network,
Sites or Services;
To respond to claims that any posting or other content violates the rights of third parties;
In an emergency, to protect the health and safety of our Sites’ users or the general public; or
As otherwise required or permitted by law.
Non-personalized, anonymous data may be aggregated with data from
other users and other data sources may be collected and shared with
partners or for marketing purposes.
You authorize Public Loan
Company Incorporation to transmit our loan application form, along with
any foregoing information obtained in connection with this application,
excluding information directly or indirectly taken from personal or
business credit reports, to any or all creditors, financial institutions
and other third parties to render the Services;
Information from Third Parties
We
may partner with Third Parties to provide our Site and services. This
Site may also contain third party links from partners or other third
parties. We do not control third party links or sites. You are subject
to these third parties’ privacy policies. Please review third party
privacy policies to inform you of how they may use your personal
information.
Use of Cookies & Similar Tracking Technologies
We,
or third parties, may use cookies (small text files stored on your
computer) or similar tracking technologies such as web beacons to help
analyze trends on our Site, such as the number of visits on a webpage.
Telephone and Email Communications
We
may provide customers who have registered with us for this purpose to
receive telephone calls, ringless voicemails, email alerts, and
summaries of their activity as set forth in the Terms of Use and in
other agreements with us. We may also allow customers and other persons
who have registered with us to subscribe to email newsletters and from
time to time may transmit emails promoting Public Loan Company
Incorporation or third-party goods or services. We may also contact you
by telephone and send you ringless voicemails if you voluntarily provide
us with your telephone number, promoting Public Loan Company
Incorporation or third-party goods or services. Customers and other
persons who have registered with us have the ability to opt out of
receiving our promotional emails and to terminate their newsletter
subscriptions by following the instructions in the emails. You may opt
out of both telephone and e-mail communications by (1) replying to an
e-mail with a message that tells us you wish to opt out of receiving
such messages in the future; (2) sending us an e-mail at
info@plcincorporation.com; or (3) calling us at +1-347-632 -1934. Opting out
in this manner will not end transmission of service-related telephone
calls and emails, such as email alerts.
Short Message Service (“SMS”) Communications
We
may provide customers who have registered with us with SMS alerts
regarding our Services. Registered customers can opt out of receiving
these SMS alerts by texting the word “STOP” to any message you receive
from us. Upon receipt of your “STOP” message, we will send you a SMS
message to confirm that you have been unsubscribed. At that point, you
will no longer receive any further SMS messages from Public Loan Company
Incorporation.
Changes to Privacy Policy
We reserve the
right, at our sole discretion, to make changes to this Privacy Policy
from time to time. If we do so, we will provide you with a notification
to that effect as required by applicable law. However, we are not
required to provide you with notice of all changes; therefore, you
should review this Privacy Policy frequently. Consistent with our Terms
of Use and applicable law, you agree to accept revised versions of this
Privacy Policy on www.plcincorporation.com and agree postings constitute
notice to you of the revised version of this Privacy Policy.
Opt-Out
You
may request to “Opt-Out” or unsubscribe from promotional or marketing
emails by clicking “Unsubscribe” at the bottom of marketing email, or by
contacting us at www.plcincorporation.com. You may continue to receive
non-marketing emails even after you have unsubscribed. We must continue
to use your personal information to complete any existing services or
pending transactions we provide you.
New York Privacy Rights (New York Residents)
New York residents have certain privacy rights provided under the New York Consumer Privacy and other New York law, including:
Right to Request a list or categories of personal information (if
any) we have disclosed to third parties (third party names and
addresses) used for direct marketing purposes in the previous 12 months.
If you make a request of the list or categories of personal
information, please include “New York Privacy Rights Request” in the
subject line of your email to www.plcincorporation.com along with your
mailing address.
Right to Access/Right to Delete any personal
information we have about you. If you make a request to access of delete
any of your personal information we have about you, please email us at
www.plcincorporation.com and include “New York Privacy Rights Request”
in the subject line.
Right not to receive discriminatory
treatment for your exercise of these privacy rights will have no adverse
effect on your use or pricing of our services.
Right to opt out of the “sale” of your personal information, although we do not sell your personal information.
Certain
information may be exempt from requests under New York law. When we
receive a request, we reserve the right to take steps to verify your
identity before responding to a request, and may include verifying your
name, email address, and other information regarding the use of our
service. Additionally, as permitted by applicable law, we may charge a
reasonable fee to comply with your request.
Please refer to our
New York Consumer Privacy Act procedures link for more information about
our policies and your rights concerning your personal information.
Contact Information
If
you have need to make any requests regarding your personal information
we may have, or have any questions regarding this Privacy Policy or our
privacy practices, please contact us at:
Public Loan Company, Inc.
300 Plaza Dr, Vestal
NY 13850,United State.
www.plcincorporation.com
(+1-347-632 -1934)