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We have a strong commitment to providing excellent service.
Information We Collect and Its Uses
We collect your personal information if you decide to apply for one of our loan products via our website. We use personal information to assure we are promoting safe and responsible lending practices.When you apply for a loan on Ascott Group International LLC, you are asked to provide information such as: name, address, phone number, email address, and other similar information. We may also ask for certain financial information, including your bank account numbers, routing numbers, debit card numbers or other similar information that may be needed for funding and repayment purposes. We may use your email address to send communications and confirm information while trying to process your loan request. We may use your contact information to keep you updated about future offers or promotions unless you specifically opt-out online or otherwise notify us.
We may also require you to provide additional information to help verify identity and/or manage risk with such information as date of birth, social security number, or other information. As a part of our underwriting for loans, we will consider bank account information provided by you and we may detect additional bank accounts under your ownership. Ascott Group International LLC may look to third parties such as credit bureaus, affiliates or other companies to help validate this information as well. We may also consider information about you from non-credit reporting data providers including for example, information about your location and the location of your mobile devices and other publicly available information about you.
Website Usage Information
Ascott Group International LLC wants to create the best user experience possible when one visits our website. As a result we store transaction history and user relationships/interactions. We also collect certain information from users’ browsers using a small text file called “cookies” for record-keeping purposes. This type of cookie allows us to recognize if a user visits multiple pages on our site during the same session and will expire once you close your browser and the cookie itself does not store any personally identifiable information you submit while on our site.We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
Fraudulent Device Reputation Information
To protect both you and us, we use services provided by a third-party to help decide whether to accept transactions from personal computers, mobile phones, or other devices. The third-party service checks whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party’s server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party’s server returns a response recommending that transactions be accepted or denied, according to settings we have selected. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our website or application. If your requested transaction is declined, or if you have questions about our use of a “device reputation” service, please contact Customer Service at 808-359-2181
Links and Information with Other Sites and Third Parties
Ascott Group International LLC will not share a user’s personal or financial information with other customers. Our goal in collecting personal identifiable information during website usage is to provider users with a safe, efficient and customized experience while educating one on the products and services that Ascott Group International LLC offers.
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