Welcome to BankingNinja.com. The bankingninja.com website (the “Site”) is comprised of various web pages operated by Cordus Partners, LLC (“Cordus” “BankingNinja”, “we”, “us”, or “our”). BankingNinja is committed to maintaining your confidence and trust as it relates to the privacy of your information. Please read below and learn how we collect, protect, share and use your information as part of our technology platforms, including, without limitation, the bankingninja.com website (“Site”), and all of our products and services.
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
Personal Identification Information
We may collect personal identification information (“PII”) from you in a variety of ways, including, but not limited to, when you visit our Site, subscribe to the newsletter, and in connection with other activities, services, features or resources we make available on our Site. You can always refuse to supply PII, except that it may prevent you from engaging in certain Site related activities.
The types of PII we collect may include:
- Your contact information such as your name, address, phone, and email.
- Information that we use to make decisions about your loan application, such as your date of birth, social security number, and credit scores.
- Information about your income, including your paycheck frequency and annual income.
- Non-personal identification information
We may also collect non-personal usage information (“Usage Information”) about you whenever you interact with our Site. Usage Information may include the browser name, the type of computer and technical information about your connection to our Site, such as your operating system, IP address, the page served, the time, the preceding page views, the Internet service providers utilized and other similar information.
Web Browser Cookies
We, or our third party service providers, may place cookies, including the Google Analytics cookie, on your computer or mobile device for security purposes, to facilitate site navigation and to personalize your experience while visiting our Site. Cookies may also be used to associate you with social networking sites like Facebook and Twitter and, if you so choose, enable interaction between your activities on the Site and your activities on such social networking sites.
How We Use Collected Information
BankingNinja may collect and use your information for the following purposes:
- To improve customer service
Information you provide helps us respond to your customer service requests and support needs more efficiently.
- To personalize user experience
We may use PII in the aggregate to understand how our users as a group use the services and resources provided on our Site.
- To improve our Site
We may use feedback you provide to improve our products and services.
- To process payments
We may use the PII you provide to process your payments and other transactions.
- To run a promotion, contest, survey or other Site feature
We may send you information you agree to receive about topics we think will be of interest to you.
- To send periodic emails
We may use your email address to respond to your inquiries, questions, and/or other requests. If you opt-in to our mailing list, you will receive emails that may include company news, updates, related product or service information, etc. If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
Information We Receive From Third Parties
We may receive information about you from third parties. For example, if you access the Site through a third-party connection or log-in, or otherwise link an account to the Site, that third party may pass certain information about you and your use of its service to us. This information could include the user ID associated with you, any information that you have permitted the third party to share with us, and any information you have made public in connection with that service. You should always review and, if necessary, adjust your privacy settings on third-party websites and services before linking them to the Site. You may also unlink your third party account from the Site by adjusting your settings on the third party service.
How We Protect Your Information
We adopt data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. However, no electronic data transmission or storage of information can be guaranteed to be 100% secure. Please note that we cannot ensure or warrant the security of any information you transmit to us, and you use the Site and provide us with your information at your own risk.
Sharing Your Personal Information
- Third Parties
We may share your PII with third parties that perform functions on our behalf (or on behalf of our partners) such as service providers that host or operate our Site, process your loan applications, analyze data, process transactions and payments, provide customer service; advertisers; or other third parties that provide marketing or promotional assistance.
- Your Agreement To Have Your Personal Information Shared
- Business Transfers
We may share your PII with other entities and our affiliates primarily for business and operational purposes. In the event that BankingNinja is involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction.
- Legal Disclosure
We may transfer and disclose your information to third parties to comply with a legal obligation; when we believe in good faith that the law or a governmental authority requires it; to verify or enforce our Terms and Conditions or other applicable policies; to address fraud, security or technical issues; to respond to an emergency; or otherwise to protect our rights or property or security of third parties, visitors to our Site or the public.
Third Party Websites
Advertising or other content on our Site may link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website’s own terms and policies.
We do not knowingly collect, use or disclose personally identifiable information from anyone under 13 years of age. If we determine upon collection that a user is under this age, we will not use or maintain his/her PII without the parent/guardian’s consent. If we become aware that we have unknowingly collected PII from a child under the age of 13, we will make reasonable efforts to delete such information from our records.
Consent To Processing And Transfer Of Information
The Site is governed by and operated in, and in accordance with the laws of, the United States, and are intended for the enjoyment of residents of the United States. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that information we collect may be transferred to and processed in the United States. By using the Site, or providing us with any information, you (a) acknowledge that the Site is subject to the laws of the United States, (b) consent to the collection, processing, maintenance and transfer of such information in and to the United States and other applicable territories in which the privacy laws may not be as comprehensive as or equivalent to those in the country where you reside and/or are a citizen, and (c) waive any claims that may arise under those laws.
Cordus Partners, LLC
30 N Gould Street, Suite N
Sheridan, Wyoming 82801
Updated as of January 11, 2020