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California Notice at Collection
This Notice lists the categories of personal information Arbor collects and identifies the business or commercial purposes for which the categories of Personal Information will be used. Arbor reserves the right to change or update the Notice at any time. The Notice was last updated on September 2, 2021.
This Notice does not apply to the personal information that we may collect from you if you are an employee or contractor of Arbor. If you work on behalf of Arbor, we will provide you with a separate privacy notice as applicable.
Personal information (“Personal Information”) is generally defined as information that, alone or in combination with other information, could identify, relate to, describe, reference, be reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household. The information we collect may include certain kinds of Personal Information. Depending on where you reside, categories of Personal Information may include, but are not limited to, your name, shipping/billing address(es), telephone number, email address, username and password, IP address or other online identifiers, browsing or search history, credit/debit card number or other financial information, professional or employment-related information, office address and other business information, demographic information, consumer preferences, biometric information such as fingerprints, precise location information, or any other type of information that, directly or indirectly, is reasonably capable of being associated with you.
When using the Services, the Personal Information we may collect includes contact information such as your name, address, email address, and phone number.
If you submit applications for loans or other Services, Arbor may collect unique identifiers about you, such as your signature and social security number.
To access Arbor Loan Express (ALEX) or certain other parts of the Services that require you to log in before using them, you may need to provide us with account information, such as your username and password.
Some Services will collect historical information about you, including your employment information and records of personal property.
We may gather certain navigational information in an automated manner about where visitors go on our Web Sites and information about the technical efficiencies of our Web Sites and Services. In the process of gathering navigational information, data that generally is non-personally identifiable information (i.e. domain type, browser version, service provider and IP address) may be collected which will provide information regarding a visitor’s use of our Web Site.
We may also gather voluntarily provided Personal Information through the ability to have questions answered through our ‘Contact Us’ section. Data we collect through these and other interactions you have with us may include demographic information that may include Personal Information such as your age and gender. Information that we may collect about you through online interaction includes information that you input and data resulting from your activity on the Web Sites or through the Services.
Other Personal Information we collect may include transaction information like your bank account information or other payment or financial data and general location information such as your address or zip code.
Arbor also may make inferences about you based on some combination of the preceding categories of collected Personal Information. To the extent Arbor does this and these inferences can reasonably by associated with you, Arbor will treat those inferences as Personal Information as well.
The Web Site may include social media features, such as widgets or other interactive features. These features may collect your Internet protocol address, which page you are visiting on the Web Site, and may set a cookie to enable the feature to function properly.
The Personal Information Arbor collects allows us to improve our product and service offerings as well as improve the Web Site’s functionality. For example, borrower information collected is used to help us identify what loan products the borrower should have access to. It provides us a way to contact you and provide you with login credentials and other account information.
Depending on the nature of your interaction with Arbor, we may use collected Personal Information and other data to:
− process loan applications;
− maintain proper business records and other relevant records;
− respond to questions, comments or other messages;
− send Arbor newsletters or other updates with information or advertising relating to the Services;
− process loan transaction information;
− perform evaluations and surveys regarding your experiences with the Services;
− contact you if there are issues with information or content you provided through the Services;
− provide ongoing technical support related to the Web Sites and other Services;
− communicate with you regarding additional uses of your Personal Information beyond the scope of this list and this Notice;
− improve the content and general administration of the Services;
− perform internal operations related to the Web Sites (e.g., fraud prevention);
− troubleshoot software issues and operational problems with the Web Sites;
− conduct data analysis and testing; and/or
− monitor usage of the Web Sites.
Right to Opt-Out
We may obtain your Personal Information from third parties to engage in online marketing efforts. You have the right, at any time, to direct us not to sell your Personal Information. To opt out, visit the Do Not Sell My Personal Information request form. We will act upon opt-out requests within 15 days of receipt, and will notify you and/or your authorized agent when the request has been processed.