Effective: January 1, 2020 | Last Updated: January 1, 2020
This Online Privacy Policy applies to johnsimonfinancial.com, John Simon Financial mobile applications, and associated websites directing viewers to this policy (collectively "John Simon Financial Services"). "John Simon Financial," "we," "us," and "our" refer to John Simon Financial and its subsidiaries. "Your device" means any computer, tablet, smartphone, or device accessing our services.
John Simon Financial websites may contain links to third-party sites. This policy does not apply to third-party owned websites and services.
By using John Simon Financial Services, you consent to this updated Privacy Policy.
We collect personally identifiable and non-personally identifiable information.
Personal Information collected includes: name, address, email address, state of residence, phone number, amount of unsecured debt, visitor interactions with Our Services, how visitors heard about us, and other voluntarily provided information.
Non-personal information includes: browser type, device type, operating system, areas visited, date and time of access, ISP information, and referring site identity.
We use collected information to:
John Simon Financial may collect Social Security Numbers in business operations. We protect SSN confidentiality and security by: (i) limiting access to SSNs and (ii) maintaining reasonable safeguards against loss, misuse or unlawful disclosure.
We obtain certain information using cookies, web beacons, and other technologies. We do not link information gathered by these tools to personally identifiable information you submit.
John Simon Financial may place electronic "cookies" in browser files when you access Our Services. Cookies are small text pieces sent by your web browser.
Cookie types:
Our Services use both persistent and session cookies. Persistent cookies track and target user interests to enhance experience. Session cookies ease navigation.
We use cookies to: (i) recognize your computer when visiting, (ii) track you navigating Our Services, (iii) improve usability, (iv) analyze use, and (v) personalize the website and target advertisements.
We use "web beacons" (Internet tags, pixel tags, clear GIFs) and "click stream" data analysis. Web beacons link web pages to servers and may transmit information collected through cookies. "Click stream" data is your virtual trail while browsing. We use these to gather visit data about Our Services, including device information and IP address, without identifying you by name.
Web browsers typically accept cookies automatically. You can usually prevent or selectively accept cookies through browser "Help" section preferences. You can delete already-placed cookies. Without cookies, some features may be unavailable or not display properly, resulting in less smooth or personalized browsing.
For general cookie information and disabling/enabling advice, visit allaboutcookies.org.
We use automated third-party analytics services like Google Analytics or Facebook Pixels to evaluate Our Services use and improve performance and user experiences. These entities use cookies and tracking technologies. We do not share your name and contact information with these providers; however, cookie-generated information about your site use (including IP address) may be transmitted to and stored on U.S. servers.
We use network advertisers serving advertisements on third-party websites and media (including social platforms). This enables targeting advertisements for products and services you might find interesting. Third-party providers may use cookies, JavaScript, web beacons, Flash cookies, and other tracking technologies measuring ad effectiveness and personalizing content. These third-party cookies are governed by each entity's specific privacy policy, not this one.
Learn more about interest-based advertisements and opt-out options at the Digital Advertising Alliance and Network Advertising Initiative.
We do not currently respond to "Do Not Track" signals because we do not track individual users across the web. No other parties may collect personally identifiable information about consumer online activities over time and across different websites when using John Simon Financial Services.
For more information about Do Not Track, visit allaboutdnt.com.
We take reasonable security precautions securing personally identifiable information you provide against loss, misuse, alteration, or unauthorized access. Unfortunately, no data transmission or storage method is guaranteed secure, and we assume no responsibility for harm, loss, or damage from information transmission.
Our Services are not directed to individuals under thirteen (13). John Simon Financial does not seek or knowingly collect personal information from children under 13. We request children under 13 not disclose personal information through Our Services. Learn more about the Children's Online Privacy Protection Act (COPPA) at ftc.gov.
Regardless of current or prior telemarketing opt-in/opt-out elections, you expressly consent to contact from us, our agents, representatives, affiliates, or anyone calling on our behalf for purposes arising from or relating to your loan and/or account at any provided telephone number or physical/electronic address. You agree we may contact you via SMS (text messages), prerecorded messages, artificial voice, auto-dialed calls and messages. Automated messages may play when answered by you or someone else. Agents may leave answering machine, voice mail, or text messages. You consent to SMS, calls, and messages (including prerecorded, artificial voice, and autodialed) at specific numbers provided or reasonably associated with your account regarding your application, loan, and/or account. You certify provided telephone numbers are your contact numbers and you are permitted receiving calls there. You agree promptly alerting us when stopping use of any number. Your cellular provider will charge according to your plan. You also agree we may contact you by email using provided addresses. We may listen to and record calls between you and representatives without notice as permitted by applicable law, including for quality monitoring.
Per California law, we automatically treat individuals with California addresses or phone numbers (when disclosed) as requesting non-sharing of information with nonaffiliated third parties except per applicable California law. We limit information sharing about you with our affiliates per applicable California privacy laws.
California's "Shine The Light" law permits California residents requesting once yearly, free of charge, information about personal information categories disclosed to third parties for their direct marketing. California residents wanting such requests should contact us per the "Contact Us" section below.
Per the California Consumer Privacy Act ("CCPA"), see the Supplemental Privacy Notice to California Residents section below.
Per Vermont regulations, we automatically treat Vermont billing address accounts as if requesting non-sharing with nonaffiliated third parties and limiting affiliate information sharing. If disclosing information to nonaffiliated third parties with joint marketing agreements, we disclose only your name, address, contact information, and transaction/experience information.
Per state law, you may request placement on our internal Do Not Call List by contacting us directly with written requests to privacy@johnsimonfinancial.com. Nevada law requires providing: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone: 702-486-3132; Email: BCPINFO@ag.state.nv.us.
If John Simon Financial merges, sells, or reorganizes (including insolvency or bankruptcy transfers), your personally identifiable information will likely be transferred assets. We may, in sole discretion, notify you via email and/or prominent website notice for 30 days of ownership or control changes.
This Privacy Policy may change anytime reflecting changing legal, regulatory, or operational requirements. For material changes, we post updated policy here and change "Last Revised" date at the top. Any amendments become effective immediately upon posting. Continued use following posted updates constitutes acceptance.
For questions or accessing/correcting submitted personal information through Our Services, contact:
John Simon Financial
Attention: Privacy Inquiries
Telephone: 866-697-2194
Email: privacy@johnsimonfinancial.com
Effective: January 1, 2020 | Last Updated: January 1, 2020
This section provides additional information for California residents per the California Consumer Privacy Act of 2018 ("CCPA"). California residents have certain rights, subject to legal limitations, regarding collection, use, and sharing of personal information below.
In the past 12 months, we collected and disclosed to third parties for business purposes the following Personal Information categories relating to California residents:
| Category | Examples | Collected | Disclosed |
|---|---|---|---|
| A. Identifiers | Real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, SSN, driver's license number, or similar identifiers. | YES | YES |
| B. Personal Information (Cal. Civ. Code § 1798.80(e)) | Name, signature, SSN, address, telephone number, driver's license number, bank account number, credit/debit card number, or other financial, medical, or health insurance information. | YES | YES |
| C. Protected Classification Characteristics | Age, race, color, ancestry, national origin, citizenship, religion, marital status, medical condition, disability, sex/gender, gender identity, sexual orientation, veteran or military status. | YES | YES |
| D. Commercial Information | Records of personal property, products or services purchased, obtained, or considered, or purchasing/consuming histories or tendencies. | YES | YES |
| F. Internet or Similar Network Activity | Browsing history, search history, information on consumer interactions with websites, applications, or advertisements. | YES | YES |
| G. Geolocation Data | Physical location or movements. | YES | YES |
| H. Sensory Data | Audio, electronic, visual, or similar information, including call recordings and photographs. | YES | YES |
| I. Professional or Employment-Related Information | Current or past employment history, qualifications, licensing, and disciplinary record. | YES | YES |
| K. Inferences from Other Personal Information | Profiles reflecting preferences, characteristics, behavior, attitudes, intelligence, abilities, and aptitudes. | YES | YES |
We may collect personal information from:
We may disclose personal information to:
In the past 12 months, we have not "sold" CCPA personal information, including minors under 16. We will not sell personal information if we have actual knowledge the consumer is under 16, unless receiving affirmative authorization.
Right to Opt-out of Sales: We are not selling California resident personal information.
Right to Access: You have the right requesting we disclose certain information about past 12-month collection and use.
Right to Delete: You have the right requesting we delete collected and retained personal information, subject to exceptions.
You can submit access and/or deletion requests by:
You may only make verifiable consumer access or data portability requests twice within 12 months. We use good faith efforts responding to verifiable consumer requests within 45 days of receipt.
You have the right not receiving discriminatory treatment exercising CCPA privacy rights. We will not discriminate exercising CCPA rights.