At instantmoneyguru.com, accessible from instantmoneyguru.com, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by instantmoneyguru.com and how we use it. If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us. This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collect in instantmoneyguru.com. This policy is not applicable to any information collected offline or via channels other than this website.

By using our website, you hereby consent to our Privacy Policy and agree to its terms. The services provided on the Website can be used only by the legal residents of the United States over 18 years old. The operation of the Website is aligned with federal, state and local laws of the USA. Thus, once You willingly register on the Website by submitting Your information via the online form you hereby consent to our Privacy Policy and agree to its terms. You confirm that You understand that the use of the information You submit on the Site is governed by these documents. For this reason, You are encouraged to study these documents carefully prior to submitting Your information on the Website. If You disagree with or misunderstand the clauses of the Terms of Use and Privacy Policy of this Website and/or refuse to accept the provisions of the documents stated above, You should cease using the services of the Website and should not provide Your information and register on the Website via online form or in any other way submit and share Your information on the Website. If You have doubts regarding the use of the Website or its services, You can contact us via the details we provide on the Website. If You willingly refuse to use the Website, You should close this and other pages of this Website.

I. Personally and Non-Personally Identifiable Information In order to register on the Website and use its services, You need to provide Your personally identifiable information (PII) via the online form on the Website. The way this information is collected, stored, shared, and used is determined by the provisions of this Privacy Policy. This information is essential to provide You with the service You request by using the Website. If You do not need to use the service of the Website or for some reason decide to cease the use of the Website, You should not submit Your PII information on the Website. PII includes but is not limited to the following information: Your first and last names, address, email address, telephone number, date of birth, employment information, Social Security number, other ID information, banking information. Apart from PII, we collect Your non-personally identifiable information (NPII) available upon Your using the Website regardless of submitting any personal information on the Website. NPII includes but is not limited to the user’s behavioral data, such as Internet Protocol (IP) data, browser details, geo position, user’s operating system, the pages of referral and exiting, date and time details, Internet service provider details etc. The NPII we collect from You can be transmitted to the third parties we contract with unless You exploit the means to hide Your NPII or express Your request to stop using Your NPII directly.
How we use your Information
We collect, store, share and use Your PII information under the provisions of this Privacy Policy. All the information You provide is protected by our top security means and encryption methods. The information You submit by registering for the services is used to perform search and connect with one or more lenders we contract with who can provide You with the loan products You expressed Your interest in. Your submission of the information is considered as an expressed will to be connected with a lender or financial service provider. Additionally, the information we collect can be used to contact You in order to provide with the marketing information on the products You expressed You interest in. Moreover, we can use this information to provide protection from potential malicious activity and fraud in the Internet. We will collect, store, share and use Your information only upon Your expressed consent You give while clicking the respective button or ticking the box of consent, which authorizes us to use Your information as set herein.

We use the information we collect in various ways, including to:

Provide, operate, and maintain our website

Improve, personalize, and expand our website

Understand and analyze how you use our website

Develop new products, services, features, and functionality

Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes

Send you emails

Find and prevent fraud

Your PII can be shared with governmental entities, disclosed completely or partially upon request from any authority or authorized organization if such disclosure is lawful and considered necessary for these reasons:

it is ordered or required to comply with the legal processes;

it is obligatory to protect the property of the owner of the Website or its affiliates and in no way contradicts applicable laws;

it is necessary to prevent crime and/or protect national security;

it is necessary to protect personal or public safety.

In case of merging, acquisition, consolidation or purchase of the owning company and its assets, it is possible that Your PII may be transferred and, thus, disclosed to the receiving party on the course of the stated actions. According to the court’s decision on insolvency proceeding, if it takes place, in case of liquidation of the owning company, the liquidating party or the authorized representatives of the company can transfer, sell, dispose or license Your PII within the provisions stated by this court’s decision. In this case, it is possible that the owners of the PII shared on the Website will be notified of the forthcoming procedures and modifications upfront or the notification will be published openly on the Website. It is possible that acquisition, merging and other stated modifications are associated with a non-US company.

It is possible that Your PII can partially (excluding such sensitive information as SS number and banking and financial data) be shared for the marketing purposes with some of third party marketers, lenders and advertisers, we contract with. In this case, the receiving parties, as third part marketers, may use this information and share it with other third party marketers who may initiate marketing activity towards You in the way of presenting You the products You have expressed Your interest previously while submitting Your information. In case You decide to opt out from receiving such marketing messages and/or offers, You can easily unsubscribe and eliminate Your information from the lists compiled by these third party marketers to send You messages simply by using an unsubscribe option (option button or link) in the respective message. The means for marketing activity include but are not limited to direct mail, short messages, online banner ads, telemarketing calls, emails etc.). Apart from that, Your information can be used to track Your online activity and collect Your online behavioral and searching information. This activity is usually performed to improve the quality of the services presented to You online and adjust marketing activity to Your requirements and needs.Keep in mind that the way third party marketers use Your information is subject to the provisions of their legal documentation and regulations, including but not limited to the privacy policies and the terms of use of their websites and services. For this reason, since we take no obligations for the manner Your information can be used by these parties, we encourage You to acknowledge how Your information is to be used according to the provisions of the legal documentation of these third party marketers. If You wish to eliminate Your information from any of the lists or databases of these third party marketers, You should contact them directly. By continuous use of the Website and attempt to use the services presented on the Website, You expressly agree that You have read and understand the provisions of the legal documents, which control the use of Your information on the Website, and the terms of collecting, storing, sharing and using of You PII and the way Your shared PII can be used by third party lenders and third party marketers.

By agreeing to the Terms of Use and this Privacy Policy, You confirm that we and third party lenders and marketers with whom Your information is shared according to the provisions of this Privacy Policy can use Your PII for advertising purposes, including but not limited to email and telemarketing Your PII can be used for direct and indirect communication, including but not limited to telemarketing calls, assistance calls and credit product and service offers via the telephone number You have provided in the online form. Either we or third party lenders and marketers can use this number even though it is listed in any corporate, state, or federal Do-Not-Contact registry, suppression lists or the like. Since Your submitting of the information via online form is determined as an attempt to make a purchase or receive a service, the processing and application of Your request is performed according to the provisions of Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the "ATSR"). According to ATSR, even if Your telephone number is listed in FTC Do-Not-Call List, we are authorized to contact You upon Your given consent using telemarketing. Since Your inquiry to third party marketers and request for the service on the Website are also considered as a an attempt to make a purchase, according to ATSR these third party marketers are also authorized to contact You using telemarketing. By giving Your consent to use the Website and provide Your information to use our services, You confirm that You are at least 18 years old and legally authorized to own and use a mobile device. You also confirm that You realize and understand the liabilities and possible charges associated with Your participation in telemarketing campaigns. Your service provider may also collect Your information. These procedures and interaction with Your service provider are regulated by the policies and terms stated by these organizations and have nothing to do with this Privacy Policy and other regulating documents on this Website.

Like any other website, instantmoneyguru.com uses 'cookies'. These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity. The information from children under 18 years old is strictly banned and will not be performed on the Website. We provide filters, which enable anyone of illegal age to provide information on the Website. In case we detect any PII received from a user under 18 years old, we will immediately delete this information. According to the fact that we do not voluntarily collect, store, share or use any PII from the users under 18 years old, we follow and comply with the Children’s Privacy Protection Act ("COPPA") and this Privacy Policy is built in consideration with the provisions of this Act.