Interpretation and Definitions
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Disclaimer:
- Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Disclaimer) refers to Konduit Works, Inc, a Delaware Corporation, located at 12110 Sunset Hills Rd, #600, Reston, VA 23113.
- Service refers to the Website (access to financial product offers from our lender partners and financial advice)
- You means the individual accessing the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
- Website refers to RateBunni, accessible from https://www.ratebunni.com
The website is owned and operated by the Company. We value your patronage and your privacy. This notice describes how we protect your privacy when we collect and use information about you provided by you through our Website as well as information collected offline and the measures we take to safeguard that information. We take this responsibility seriously and we diligently safeguard your personal information. This policy explains:
- What information we collect and receive about you
- How we collect and use it
- With whom we share your information
- How we protect personal information electronically (Security Notice)
Our Website is a general audience site and we do not knowingly collect personal information from children under the age of 13. For more information about the Children’s Online Privacy Protection Act (COPPA), view the FTC website at ftc.gov
1. What Information We Collect and Receive About You
We might receive or collect several types of information about you, such as the information described below.
Personally Identifiable Information or PII: Identify you such as your name, address, telephone number, mobile number, e-mail address and social security number identifies you personally, such as your name, address, email address, Social Security number or phone number.
Non-Personally Identifiable Information or Non-PII: We also collect information such as demographic data and data about your online activity on our website that does not identify you. We may also collect and store information that you provide to us about your income, employment and monthly mortgage or rental payments.
2. How We collect Information You Provide to us
From you: When you fill out forms or fields in connection with your inquiring about or obtaining our services. The information you provide in your inquiry form does not alter or change.
Other Sources : We may obtain information about you from third parties such as credit reports, information about your home and demographic information. We do not pull a hard inquiry relating to your credit bureau report rather a soft inquiry is performed in order to assist in complying with federal, state and local laws. Information such as Social Security Number (SSN), date of birth (DOB), address and phone number may be verified to assist in the prevention of identity theft, consumer identification and verification by third party services. Our Company takes your privacy seriously and performs these checks using industry best practices and standards. We may also collect information about you from sources other than you, such as from social media websites i.e., Facebook, LinkedIn, Twitter or others with your consent.
3. How We Use Information
We may use the information we collect from you for various lawful business purposes such as finding the available credit options, pushing your request to lenders, communicate with you, conduct research and development to improve or enhance our Services and our users’ experience, and promote our Services. We may use information to:
a. Deliver the products and services you requested.
b. Perform functions as described to you at the time of collection.
c. Manage your customer relationship with provide you with customer support.
d. Communicate with you via e-mail, postal mail and/or SMS to your mobile device about products or services that may be of interest to you.
e. Build and display content and services customized to your interests on our website and other websites.
f. Targeted advertisements and measure the overall effectiveness of our online advertising, content, programming and other activities.
g. We may use financial information to match you with lenders, provide you with lenders’ conditional loan offers, auto dealers, auto lenders, personal loan providers, etc. As well as to verify your identity, protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.
4. With Whom Do We Share Your Information
a. Lenders or Matching Service Providers: In submitting an inquiry for a loan product or other service offered through this website, when you click on any button indicating an acceptance or agreement to terms, a continuance of processing or submission, you signify your agreement to proceed you are consenting, acknowledging and agreeing to the disclosure of your PII, as described herein, with lenders in our network (“Lenders”) with whom you are or may be matched. Please note that a soft inquiry of credit will not be performed by the Company unless you authorize us to do so by submitting a completed pre-qualification request. Even if you do not provide your Social Security Number, we may access your credit file to assist in the prevention of identity theft and to verify your request is accurate and complete. Lastly, not all network “Lenders” will obtain your SSN and each “Lender” has its own requirements, disclosures and consent requirements. We may share Non-PII with lenders in our network in our discretion.
BE AWARE that the lenders with whom you are matched may retain or use your Information whether or not you use their services and you should contact these Lenders directly concerning their privacy and information sharing practices which may differ from the Company.
b. Services Providers: We may share your personal information with our authorized service providers that perform certain services on our behalf including, but not limited to service providers that perform services on our behalf in connection with your request for a loan or the funding, sale and/or servicing of your loan. These third parties include, without limitation credit bureaus, other insurance companies, closing agents, marketing and customer services firms, credit card, or entities that provide business analysis or website support. These third parties may have access to PII needed to perform their functions.
c. Other Situations: We also may disclose your information at our sole discretion
I. In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us
II. In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.
III. When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding actual or suspected illegal activity or other wrong doing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our websites terms and conditions or other agreements or policies.
d. To opt out of sharing your information, please email email@example.com
5. How we Protect Your PII
We take industry standard security measures (including physical, electronic and procedural measures) to help safeguard your PII from unauthorized access and disclosure. In addition to the restrictions outlined above, we require employees to comply with information security safeguards, we use encryption in the transmission of your PII between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your PII.
METHODS OF PROTECTING YOUR PERSONAL INFORMATION
|Encryption & website certificates||Industry standard encryption protects the information you share with us from the moment it leaves your computer until it reaches our systems. Look for the secure locked padlock on your browser, which means you are using a secure web connection. Consult your web browser documentation for more information.|
|Session time-outs||We employ session time-outs to protect your account. You will be logged out of the website automatically after a period of inactivity. This reduces the risk of others being able to access your account if you leave your computer unattended.|
|Passwords / One time passcode||You should never share your password or one time passcode with anyone. Your one time passcode is not known to any Company’s employee or third party, this passcode expires within 10mins or till the session time-out. We will never ask for your one time passcode by phone or email. If you ever receive a communication claiming to be from the Company that asks for your one time passcode, you should immediately report it by contacting us firstname.lastname@example.org.|
6. Third Party Links and Policies
Our Website contains links to other websites owned and operated by third parties. These third parties and their servers may be located in the United States or in other countries. We do not control, and are not responsible for, the privacy and security practices of these third parties. We recommend that you review the privacy and security policies of these third parties to determine how they handle Information they may collect about you.
7. Subscriptions / Unsubscribe
When you create an account or “submit” information for a service through our Website, may send your information to its lenders and associated third parties as provided in the Terms and Conditions Agreement for use of our Website. If at any time you do not wish to continue to receive communications from the Company, lenders or its associated third parties’ communications, you may modify your preferences by reaching us at email@example.com, or clicking the unsubscribe link at the bottom of all our communication. For SMS communication, please follow the opt-out steps specified in SMS. In addition, you agree to reach out directly to any lenders, providers, etc. with whom you have been matched to notify them of your preferred method of contact.
8. Social Media Widgets
9. Changes to Our Privacy Notice
Want More Information?
Thanks for taking the time to read through all this. If you have questions regarding this policy or privacy practices at the Company, you can email us at firstname.lastname@example.org or write to us at: Konduit Works, Inc 12110 Sunset Hills Rd, #600, Reston, VA 210190.
PLEASE PRINT AND RETAIN A COPY OF THIS CONSENT AGREEMENT FOR YOUR RECORDS