PRIVACY POLICY

This document represents a legal document that serves as our Privacy Policy. It governs the privacy terms of our Website.   Our Privacy Policy is part of our Legal Terms. Capitalized terms, unless otherwise defined below, have the meaning specified within the Definitions section our Terms of Website.

The last update to our Privacy Policy was posted on December 6, 2018.

Your Privacy

Financial companies generally choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Belmont follows all legal requirements to protect your privacy.  Our Privacy Policy is a legal statement that explains how we may collect information from you, how we may share your information, and how you can limit our sharing of your information.  Please read this Privacy Policy carefully to understand what we do.

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.

Information We Collect

Belmont collects your Personally-Identifiable Information in the following ways:

Financing Application

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.

Using Our Electronic Signature Website

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.

Online Forms

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. 

Computer Information Collected

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:

Cookies

Our Website uses “Cookies.” A Cookie is a small piece of data stored on your computer or mobile device by your web browser.  We use Cookies to identify the areas of our Website that you have visited.  We may also use Cookies to identify you as a Member so that you can access various parts or features of our Website.  Finally, we may use Cookies to personalize the Content that you see on our Website.  Most web browsers can be set to disable the use of Cookies.  However, if you disable Cookies, you may not be able to access features on our Website correctly or at all.  We never place Personally-Identifiable Information in Cookies.

Automatic Information

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.

How We Use Your Information

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:

Day-to-Day Business Operations

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.

Providing and Improving Our Website

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.

Sharing Information with Affiliates, Providers, and Other Third Parties

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.

Legally Required Releases of 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.

Disclosures to Successors

If Belmont is acquired or merges, in whole or in part, with another business that would become responsible for providing the Website to you, we retain the right to transfer your Personally-Identifiable Information to the new business.  The new business would retain the right to use your Personally-Identifiable Information according to the terms of this Privacy Policy as well as to any changes to this Privacy Policy as instituted by the new business.

European Union Data Collection Laws

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.

California Online Privacy Protection Act

Belmont fully complies with California Online Privacy Protection Act.  As such, Belmont allows you to visit our Website anonymously.  Our Privacy Policy is easily found from our main landing page.  As stated at the beginning of our Privacy Policy, you can easily see when it was last updated; and if you are a customer, we will use your registered email with us to let you know of any significant changes to our Privacy Policy.  Finally, if you are a customer, you can always update your Personally-Identifiable information by accessing your account, as already noted in our Privacy Policy.

“Do Not Track/Follow” Settings

In compliance with applicable laws, Belmont wants you to know that our Website does currently honor “do not track” or “do not follow” settings as your web browser may allow.  However, we may choose to do so in future.  If we do change this policy in the future, it will be reflected here in an update to our Privacy Policy. 

Google Analytics and Adsense

We do not currently use Google Analytics or Google Adsense on our Website, but reserve the right to do so in the future.   If we do change this policy in the future, it will be reflected here in an update to our Privacy Policy. 

Our Email Policy

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:

  • Identify advertisement emails sent as such, either in the subject or clearly in the message body.
  • Never send emails with fake or misleading subjects or return email addresses.
  • Allow recipients to unsubscribe by using the link at the bottom of each email and honor such requests as quickly as commercially reasonable.

Our Security Policy

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.

Privacy Policy Updates

Belmont reserves the right to modify this Privacy Policy at any time.  You should review this Privacy Policy frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page. We will also change the "Last Updated" date at the beginning of this Privacy Policy.  Any changes we make to our Privacy Policy are effective as of this Last Updated date and replace any prior Privacy Policies. 

Changing Your Information

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.

Questions About Our Privacy Practices or This Privacy Policy

If you have any questions about our privacy practices or this Privacy Policy, please contact company’s administrator for our Website at our corporate address as listed on our Website (currently 6810 Johnnies Ln, Stevens Point, WI 54482) or by email at privacy@belmontfinancellc.com