Non-Personal Information & Cookies
When you visit the CLD site, we automatically collect certain non-personal information, such as "cookies." A cookie is unique identifier that allows us to recognize your computer each time you visit our site. Cookies can help us improve the use of our site by providing quick log-in, streamlined navigation and up-to-date content for all users. Should you configure your browser to reject cookies, you may disable some of our site's features. Our cookies do not contain personal information nor can they read or transmit any data on your computer's hard drive.
Commercial Loan Direct uses web measurement technology (Google Analytics) to automatically track how visitors interact with commercialloandirect.com including where they came from, what they did on the site and whether they completed any pre-determined tasks while on the site. Aggregate data is used to help Commercial Loan Direct improve our user interface and diversify our content offerings to meet the needs of our customers, track operational problems, prevent fraud and improve the effectiveness, security and integrity of the site. This information does not identify you personally and data is only retained in accordance with Commercial Loan Direct’s data retention policy. For each page that you visit, we collect and store only the following technical information:
Date and time of access
URL address of the commercialloandirect.com web page visited
Internet domain and IP address from which our website was accessed
Type of browser and operating system used to access our site (if provided by the browser)
URL address of the referring page (if provided by the browser)
Completion or success status of the request for a web page or other on-line item
File size of the web page visited
This information is only used to help us make the site more useful for you. With this data we learn about the number of visitors to our site and the types of technology our visitors use. We never track or record information about individuals and their visits and we do not share this data with anyone outside Commercial Loan Direct unless necessary for law enforcement purposes.
Personal Information Collected
Throughout this Policy, we refer to the nonpublic personal information that identifies you or your accounts as "personal information." Personal information includes information about you that is personally identifiable, such as your name, address, email address, or phone number and other information that is not otherwise publicly available (such as your date of birth, social security number and financial information). While visiting commercialloandirect.com, we do not collect any personal information about you unless you voluntarily choose to provide that information to us. If you do choose to provide personal information, it will be used for the express purpose for which it was intended, such as analyzing your financial request for feasibility or responding to informational requests.
The personal information you provide is used in order to identify you as our customer, establish and manage customer accounts, complete customer transactions, understand customer needs, enhance products and services, and comply with legal and regulatory requirements.
Use of Collected Personal Information
We may use the personal information that you provide to us as follows:
To assess your credit-worthiness if you apply for credit;
To respond to inquiries you may have about your account or other related matters;
To reply to your request for information or content;
To provide you with the services you are requesting (which may include sharing information with potential financing lenders or other service providers);
To consider you for employment or contract work if you apply for a job.
We may also use the personal information that you provide to help us improve the content and function of this or other sites affiliated with commercialloandirect.com, better understand our customers and markets, improve our products and services, enhance our marketing efforts, and to later contact you, electronically or otherwise, about products or services that we believe may interest you or to send a customer satisfaction survey. Commercial Loan Direct never sells nor shares Personal Information with third parties for commercial marketing purposes.
Sharing Collected Personal Information
CLD only shares the Personal Information that you provide under the following circumstances:
To Lending Affiliates: to assess creditworthiness, analyze financial feasibility, and provide loan product options as requested.
To Contracted Service Providers: to establish, administer, and manage accounts, evaluate credit, provide customer service and benefits, process transactions and statements, close loan requests, process job applications, or perform services or business operations on our behalf.
To Non-Affiliated Third Parties: to companies providing services in connection with processing and closing of any requested financing; to credit bureaus for the purpose of reporting your credit information; or to regulators or auditors, to protect against fraud. We may also disclose your personal information to government entities or third parties when legally compelled to do so, such as to comply with the law, enforce our Terms and Conditions, or to protect the rights, property or safety of Commercial Loan Direct, its employees, contractors, customers, visitors to this site, and others.
Business Transfers: As we develop our business, we may sell or buy businesses or assets, or be involved in mergers or other corporate reorganization. In transactions such as these, your personal information may be shared in connection with any of the foregoing types of transactions.
Other Third Parties: We do not share your personal information with Third Parties except as outlined above.
Social Media & Third-Party Websites
Commercial Loan Direct uses some social media tools and websites to interact with its customers and resource partners. Social media websites are used to publicize loan programs and services and engage with members of the public. We do not use third party websites to solicit and collect personal information from individuals. Any personal information collected by a third party website will not be transmitted to us unless required for law enforcement purposes or as otherwise permitted by law. Commercial Loan Direct’s privacy and other web policies do not apply to these third party sites and we encourage you to read the policies of the third party site when deciding whether to use it.
Commercial Loan Direct may use online survey instruments to obtain feedback on your experience with our website, services, and other customer service topics. The survey is voluntary and does not collect personal information other than what you had already previously provided. If you decline the survey you will still have access to the same information and resources of commercialloandirect.com as those who do take the survey. The full survey reports are available only to Commercial Loan Direct managers and other staff who require this information to perform their duties, although some survey answers may be published on our website with first names, a last name initial, and the property type. Commercial Loan Direct retains the data from the survey results in accordance with its data retention policy.
Website Users under 18 Years of Age
CLD operates general audience web sites that are accessible by the public. This website is not intended for visitors under 18 years of age (“Children”). Because we care about the safety and privacy of children online, we do not knowingly solicit or collect personal information from or about Children, nor do we knowingly market our products or services to Children. It is possible that by fraud or deception we may receive information pertaining to Children. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by Children, please do so by sending an e-mail to [email protected]
Users Outside of the United States
Commercial Loan Direct uses commercially reasonable measures to protect personal information from unauthorized access, deletion or alteration. In addition, we have physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your Personal Information. As part of our security practices, we do not send automated requests for personal information without first notifying our customers. Certain Personal Information that we transmit to you by email, such as your credit information, is encrypted. Standard email communications are not encrypted. Therefore, you should not transmit your Personal Information to us through email.
Online Security Tips
Commercial Loan Direct is committed to ensuring the security of the websites it operates and our systems. However we also feel that you, as the end-user, should also ensure that you are adequately protected when you use the Internet. To that end, we recommend the following security best practices:
Install anti-virus, anti-spyware and other internet security software on your PC. Use it regularly and keep it up-to-date.
Regularly update your PC's operating system and web browser software with the vendor's software patches and updates to protect your PC against known vulnerabilities.
Prevent unauthorized people from using your PC.
Change your passwords often.
If you notice suspicious activity in your accounts, report it immediately to the appropriate parties.
Do not download or open any attachments sent to you by unsolicited email as they may contain malicious programs that can compromise your PC's security, once opened.
Be on the alert for phishing scams that ask for your personal information for fraudulent purposes.
Access web sites by typing the web addresses directly into your web browser or by using web addresses you have bookmarked, instead of via embedded links in unsolicited emails.