We break up the types of information you share into Non-Personal Information and Personally-Identifiable Information.
"Non-Personal Information" is information that is not Personally-Identifiable to you and that we automatically collect when you access our Website with a web browser.
"Personally-Identifiable Information" is non-public information that is Personally-Identifiable to you, whether provided by you or that we obtain about you. Personally-Identifiable Information may include information such as your name, address, social security number, email address, and other related information such as credit scores. It includes any information that you upload/email to us or that you physically provide to us.
Belmont collects your Personally-Identifiable Information in the following ways:
When you apply for financing with us, we will use your Personally-Identifiable Information to pull a credit report in order to assess your credit-worthiness. We will also use this information to further complete Finance Documents that you must sign.
You will have to provide Personally-Identifiable Information in order to grant you access to our Electronic Signature Website in order to execute Finance Documents.
There are online forms on our Website where you can request information from Belmont. The information you enter on these forms may contain Personally-Identifiable Information.
When you use our Website, Belmont automatically collects certain computer information by the interaction of your mobile phone or web browser with our Website. Such information is typically considered Non-Personal Information. Belmont also collects the following:
We automatically receive information from your web browser or mobile device. This information includes the name of the Website from which you entered our Website, if any, as well as the name of the Website to which you’re headed when you leave our Website. This information also includes the IP address of your computer/proxy server that you use to access the Internet, your Internet Website provider name, web browser type, type of mobile device, and computer operating system. We use all this information to analyze trends among our Users to help improve our Website.
All financial companies need to share their customers’ personal information to run their everyday business. In some cases, you can limit how Belmont shares this information; in other cases, you cannot as noted as below. We use your information as follows:
Belmont uses your Personally-Identifiable Information in our day-to-day business operations to process your finance application, request credit checks, report to credit bureaus, etc. We obviously have to share your Personally-Identifiable Information with third parties (i.e. credit bureaus) in order to do our business. You cannot limit this sharing. We may also contact you about your current financing application, repayment of financing, etc. You cannot limit this sharing or stop us from contacting you since you are requesting financing and have a legal obligation to repay your debt to us if we provide financing to you. Finally, we may contact you with offers of new products and services that we think may be of interest to you. You can let us know if you don’t want to continue receiving such offers.
Belmont may use the Personally-Identifiable Information you provide to us along with any Non-Personal Information we receive to provide our Website to you as well as to make improvements to it. You cannot limit this sharing.
Belmont does not sell, rent, or otherwise provide your Personally-Identifiable Information to third parties for marketing purposes. However, we may use your Non-Personal Information for data aggregation purposes which might be sold to other parties at our discretion. Any such data aggregation would not contain any of your Personally-Identifiable Information. We may provide your Personally-Identifiable Information to affiliates that provide services to Belmont with regards to our Website (i.e. email processors, webhosting companies, etc.); such affiliates will only receive information necessary to provide their respective services and will be bound by confidentiality agreements limiting the use of such information.
Belmont may be legally required to disclose your Personally-Identifiable Information, if such disclosure is (a) required by subpoena, law, or other legal process; (b) necessary to assist law enforcement officials or government enforcement agencies; (c) necessary to investigate violations of or otherwise enforce our Legal Terms; (d) necessary to protect us from legal action or claims from third parties; and/or (e) necessary to protect the legal rights, personal/real property, or personal safety of Belmont, other customers, employees, and affiliates.
As noted in our Legal Terms, Belmont is intended for use by customers in North America. As such, we do NOT comply with European Union Data Collection laws, including Directive 95/46/EC, GDPR, and Privacy Shield framework.
Belmont and our affiliates fully comply with international laws regarding SPAM, including CANSPAM and others and expect you to do so as well in the use of our Website. We agree that we will not sell, rent, or trade your email address to any unaffiliated third-party without your permission. We, and you also agree, but using our Website to:
Belmont has constructed our Website using industry standard encryption and authentication tools to protect your Personally-Identifiable Information. When we collect your Personally-Identifiable Information through our Website, we encrypt this information and attempt to prevent unauthorized access to it by using industry standard technologies, such as encryption software, routers and firewalls. Unfortunately, due to the nature of the Internet, we cannot completely guarantee that your Personally-Identifiable Information is completely protected. We strongly urge you to protect any password you may have for our Website and to not share it with anyone. You should always log out of our Website when not in use, especially if you are sharing a computer or mobile device with someone else or are using a public computer.
You may change some of your Personally-Identifiable Information with our Website by updating your online account. However, certain items such as your name or social security number cannot be updated without contacting us directly at (877) 547-2926. This is due to the fact your Finance Documents are directly tied to this information. As such, we will have to update such items manually. Making these changes will also require you to execute additional Finance Documents.