Privacy Policy

Your privacy is critically important to us.

PLEASE READ THIS PRIVACY POLICY CAREFULLY. BY ACCESSING OR USING THE SITES OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND TO ALL THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY.

IF YOU ARE A RESIDENT OF THE STATE OF CALIFORNIA, PLEASE READ THROUGHLY OUR CALIFORNIA CONSUMER PRIVACY ACT (CCPA) POLICY AVAILABLE ON THIS SITE.)

 

IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE EXIT THIS PAGE AND DO NOT

ACCESS OR USE THE SITES OR SERVICES.

 

For more information, contact us either by:

Calling us at 1-888-474-4087  or

Emailing us at compliance@signatureonefinancial.com

 

At SignatureOneFinancial.com we have a few fundamental principles:

 

Website Visitors

Like most website operators, SignatureOneFinancial.com (collectively “we”, “us”, “our”, or “the Company “) collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Our purpose in collecting non-personally identifying information is to better understand how our visitors use its website. From time to time, we may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

We also collect potentially personally-identifying information like Internet Protocol (IP) addresses for users and for users leaving filling out forms or online request for quotes or information on our website. We only disclose logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that website commenter IP addresses and email addresses are visible and disclosed to the administrators of the website where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to our website choose to interact with SignatureOneFinancial.com in ways that require us to gather personally-identifying information. The amount and type of information that our website gathers depends on the nature of the interaction. For example visitors requesting quotes or information on various financial services we will require from the visitors enough information to fulfill their request for information such as but not limited to Name, Address, Age, Gender, Height and Weight, Tobacco Use Etc. We do not disclose personally-identifying information other than as described below. And visitors can always decline to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

We may collect statistics about the behavior of visitors to its websites. For instance, we may monitor the most popular search terms and locations of IP address to determine how to better reach its audience. We may display this information publicly or provide it to others. However, we do not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

We disclose potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on our behalf or to provide services or information offered through SignatureOneFinancial.com, and (ii) that have agreed not to disclose it to others. By using our website, you consent to the transfer of such information to them. We will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, we disclose potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when we believe in good faith that disclosure is reasonably necessary to provide the services or information requested by the visitor who filled out the form on our site. If you have supplied your email address, we may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with SignatureOneFinancial.com and our products. We primarily use our website, email addresses from our domain name, to communicate this type of information, so we expect to keep this type of email to a minimum. We take all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. We use cookies to help us identify and track visitors, their usage of our website, and their website access preferences. Visitors to our website who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using our site, with the drawback that certain features of our site may not function properly without the aid of cookies.

Business Transfers

If we, or substantially all of our assets, were acquired, or in the unlikely event that we go out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of us may continue to use your personal information as set forth in this policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by us and does not cover the use of cookies by any advertisers.

Comments

Comments and other content submitted to our anti-spam service are not saved on our servers unless they were marked as false positives, in which case we store them long enough to use them to improve the service to avoid future false positives.

 

Privacy Policy Changes

Although most changes are likely to be minor, we may change its Privacy Policy from time to time, and in our sole discretion. We encourage visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

  CCPA (California Consumer Privacy Act)

Dear Visitor: If you are a resident of California, you should thoroughly read through this California Consumer Privacy Act Policy before you submit any information for the service you are requesting on this site.

Your Rights and Choices

The CCPA (California Consumer Privacy Act) provides California residents with specific rights regarding their personal information.  In the following, we describe what these rights are and explain how to exercise these rights. For more information, contact us either by:

Calling us at 1-888-474-4087 or

Emailing us at compliance@signatureonefinancial.com

 

Access to Specific Information and Data Portability Rights

You have the right to request that Signature One Financial, LLC disclose certain information to you about our collection and use of your personal information over the past 12 months.  Once we receive and confirm your verifiable request (see Requesting and Exercising Access, Data Portability, and Deletion Rights section below), we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  • sales, identifying the personal information categories that each category of recipient purchased; and
  • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

 

Non-Discrimination

• We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
  • Deny you goods or services
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels.  Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects.  Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.

 

Requesting and Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us at 1-888-474-4087

Emailing us at compliance@signatureonefinancial.com

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.  Please be reminded that the services provided by Signature One Financial, LLC is only applicable to a consumer of legal age in the state of his/her legal residency.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.  The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluation and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us.  However, we do consider requests made through your password protected account sufficiently verified when the request relate to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

 

Do Not Sell My Personal Information

We may sell your personal information as part of the process providing the service you are seeking.   The CCPA requires that we maintain a separate webpage that allows you to opt out of the sale of your personal information, which can be accessed by clicking the link below:

https://www.signatureonefinancial.com/opt-out

 

Categories of Personal Information We Collect

In order to provide you with the services you are seeking, we collect basic personal information in the following categories:

• Identifiers (such as name, address, email address, phone number, etc.)
• Geolocation data (such as IP address from which you are visiting our site)
• Financial information (such as estimated gross annual income, outstanding personal debt, etc.)

 

Our Sources of Personal Information

In addition to the personal information in the submission form on our landing page, we also collect personal from other sources:

• Information from our joint marketing partners
• Personal referrals
• Pre-screened data available to us as a lender
• Publicly available data bases

 

Our Purpose for Collecting and Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or determine eligibility for a personal or commercial loan, or simply ask a question about our products or services, we will use that personal information to respond to your inquiry.  We may also save your information to facilitate customer service activities, or inform you of availability of new products or services that might suite your original request.
• To provide, support, personalize, and develop our websites, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, include to investigate and address your concerns and monitor and improve our responses.

 

Personal Information We’ve Sold in the Past 12 months

• Identifiers [YES]
• California Consumer Records Personal Information Categories [YES]
• Protected classification characteristics under California or Federal law [NO]
• Commercial information [NO]

 

Personal Information We’ve Disclosed for Business Purposes

We engage certain trusted third parties to perform functions and provide services to use, including hosting and maintenance, error monitoring, debugging, performance monitoring, billing, loan qualification, customer relationship, database storage and management, and direct marketing campaigns.  We may share your personal information with these third parties, but only to the extent necessary to perform these functions and facilitate or directly provide services you are requesting/requested. We also require these third parties to maintain the privacy and security of the personal information they process on our behalf.

 

For further information, contact us at 1-888-474-4087, or email us at compliance@signatureonefinancial.com

 

California Online Privacy

 

For Users in California Only

Companies that collect personally identifiable information (“PII”) from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We (collectively “Signature One Financial, LLC”, “SignatureOneFinancial.com”) have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: compliance@signatureonefinancial.com or by mail to California Privacy Information c/o Signature One Financial LLC, 4160 Temescal Canyon Rd, Ste 414, Corona, CA 92883. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, Consumer Information Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

For more information, contact us either by:

Calling us at 1-888-474-4087  or

Emailing us at compliance@signatureonefinancial.com

 

Terms of Use

 

Signature One Financial, LLC (collectively “we”, “us”, “our”, or “the Company “) requires you to review this Terms of Use Agreement (“Agreement”) before using this website or seeking services and products provided by us.

 

This Agreement outlines the terms of use for this website and services and the products provided through this website. By browsing, accessing or using this website and services, through any means or by using the goods, facilities or services offered in or through this website and its services through multiple methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms “Website/services” and “Website/services” include use through these alternative methods).

You certify to The Company that:

• You are at least 18 years of age.
• You assume full responsibility for the use of this website/service by any minors.
• That the information you have submitted to us on this website or otherwise, is accurate, complete and that you have not submitted or provided false information to us.
• You are aware your use of this website/service is subject to all applicable federal, state, and local laws and regulations.

 

Unsecured Personal Loan Statement

Personal Loan: unsecured loans range in amounts of $2,000 to a maximum of $50,000, and not all lenders (lender/lenders collectively refer to Signature One Financial, LLC and its lending partners) provide up to $50,000. Not all consumers will qualify for a Personal Loan. We do not guarantee that you will ultimately be approved for any type of loan. APR/Interest rates* will vary depending on lender’s terms and creditworthiness of applicant. We do not charge you for referring you to any other lender or loan related product. Cash transfer times for loan funding vary among lenders and may depend on your individual financial institution or bank. This service and products participating lenders are not available in all states. For some loans and products, the loans are meant as a short term solution and for immediate cash needs and should be considered as such, short term not long term solutions. Lenders will require a credit report comprised of information from the three credit bureaus: Equifax, Experian, and Transunion. Some lenders may require alternate consumer credit information reports through alternate sources.

 

Your credit worthiness will be verified by the lenders which you are authorizing to independently review by submitting your request. This service and products do not constitute an offer or solicitation for loan products which are prohibited by any state laws and are void where prohibited.

 

Credit Authorization and Certification

This offer is for an unsecured personal loan referred by Signature One Financial, LLC. All unsecured personal loan inquiries submitted through Signature One Financial, LLC are funded by us or one of our lending partners, a third party lender, and are subject to provisions. (*See Terms & Conditions below) You are authorizing us to make inquiries and obtain information about you as we deem appropriate for the purpose of evaluating you for an extension of credit, including but not limited to: credit reports, income verification, and contacting your employer. You authorize us to make available identification information about you and our credit experience information with you to others in accordance with applicable law. Duplicate offers received as a result of multiple mailing to the same person are void along with multiple acceptances of this same offer. This offer is subject to the expiration date listed on the front page.

 

* Important Pre-selected information and Terms and Conditions for This Offer

Lenders we refer to you may be unable to extend credit, if, after you respond to this offer, the lenders determine that you no longer meet the criteria established prior to this offer. This offer may be accepted only by the person identified in this letter. Account approval is subject to verification and confirmation of your credit history and acceptance by a lender. Lenders may request verification of income and employment from your employer(s). Self-employed or commissioned applicants may be asked for the past two years of income tax filings, alimony, child support or separate maintenance income need not be disclosed if you do not wish us to consider it as a basis for repayment. Offers expire on the date indicated herein. If we receive a response to this offer after the expiration date, Signature One Financial, LLC may refer you to other lenders. If you chose to apply for a loan through a lender we refer you to, a consumer report will be obtained to evaluate your credit worthiness in connection with your application for credit. If we receive your response after the expiration date, or the name and address on this offer differs from the information you provide to us, we will treat your response as an application for an account that was not pre-screened. If you choose to continue that application, a credit report will be obtained to evaluate creditworthiness in connection with your application for credit. If you omit, misrepresent, or falsify any information on an application for a loan, the lender may deny your request for an account. A consumer report will be acquired and reviewed to verify, among other things, your identity to protect your information. Upon request, you will be informed of the name and address of the credit reporting agency providing said report. Subsequent consumer reports may be requested and used in connection with an updated application, extension of new credit, or renewal application.

 

**Interest rates will vary and are based on lender terms. Ranges from 5.99%-36.0%

†For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 6.03% and a 1.11% origination fee of $111 for an APR of 6.78%. In this example you will receive $9,889 and will make 38 monthly payments of $304. Your APR will be determined based on your credit at time of application. There is no down payment and there is never a pre-payment penalty. Closing of your loan is contingent upon your agreement to all of the required terms of specific lenders.

 

For more information, contact us either by:

Calling us at 1-888-474-4087  or

Emailing us at compliance@signatureonefinancial.com