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Privacy Policy

Last Updated and Effective: January 1, 2020

You are visiting a website owned and operated by LendingTree, LLC. LendingTree, LLC and its subsidiaries (collectively, “LendingTree”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read below and learn how we collect, protect, share, and use your information as part of our technology platforms, and all of our products and services

SnapCap’s website and services are designed for businesses and are not intended for individuals’ personal, family or household use. Accordingly, we treat all personal information collected by or on behalf of SnapCap, including information about any visitors to our website, as pertaining to individuals acting as business representatives, rather than in their personal capacity.

This privacy policy applies to www.snapcap.com and all websites owned and operated by LendingTree on which this privacy policy is displayed (such websites referred to hereafter as the “Website(s)” or “Site(s)”, whether individually or collectively) as well as LendingTree affiliates.

  1. Information We Collect
  2. a. Identifying Information: We collect information that could identify you such as your name, address, telephone number, mobile number, email address, and Social Security Number. We may also collect this type of information from you about others, such as co-borrowers.

    b. Other Information: We also collect information such as demographic data, data about your online activity, and other information that is not used to identify you.

  3. How We Collect Information
  4. a. Information provided by you: We collect information from you when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Services.

    b. Information from service providers: Information is collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.

    c. Information from cookies and other tracking technologies: We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Site and collect Information. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Site may not function properly.

  5. How We Use Your Information
  6. We may use collected information to:
    i. Deliver the products and services you requested
    ii. Improve customer service
    iii. Improve our Site
    iv. Personalize your user experience
    v. Communicate with you about products or services that may be of interest to you
    vi. Manage our business

  7. Who Do We Share Your Information With?
  8. a. LendingTree affiliates: We may share information about you or provided by you with the LendingTree affiliates.

    b. Network Partners: In submitting an inquiry or using another other Service provided through the Website, you agree that LendingTree may share information about you or provided by you with lenders and other third parties which provide services to our consumers in our network (collectively, “Network Partners”) to deliver the products and services your requested. PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services. You should contact these Network Partners directly concerning their privacy and information sharing practices. Pursuant to the contracts between LendingTree and its Network Partners, if you select a Network Partner through a LendingTree website, LendingTree may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Loan. LendingTree and its Network Partners may exchange information about you, your loan terms, and your accounts for the purpose of providing you with information about financial services and products. LendingTree may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.

    c. LendingTree Service Providers: We may share information with Service Providers that perform certain services on our behalf including, but not limited to, credit bureaus, marketing partners, or entities providing business analysis and/or website or product support.

    d. Other Situations: We may also disclose information about you or provided by you at our sole discretion:
    i. In response to a subpoena or similar investigative demand, a court order, a request for cooperation from a law enforcement agency, self-regulatory body, or other governmental agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
    ii. When we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of the LendingTree Business, our users, our employees, or others; or to enforce our Site’s terms and condition or other agreements or policies.
    iii. In connection with a substantial corporate transaction involving the LendingTree Business, such as a sale of LendingTree or any entity, brand or division thereof, a divestiture, merger, consolidation, asset sale, or bankruptcy.
    iv. In connection with state and/or federal licensing requirements regarding the reporting of information contained in the loan inquiries we receive from you. You authorize LendingTree to obtain any and all required information from the Network Partners that have interacted with you in order for LendingTree to comply with current laws and regulations as well as with any requests from state or federal regulators. This information could include, but is not necessarily limited to, the loan you selected and the terms of the loan you selected.
    v. We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

  9. o Cookies and Do Not Track
  10. a. We may use cookies and other technologies such as web beacons and pixels to collect information about your online activities over time and across third-party websites or online services or which may allow a third party to track your online activities over time and across different sites when you use the Websites.

    b. The Websites do not support Do Not Track browser settings and we do not participate in any frameworks that respond to Do Not Track signals.

  11. o Marketing and Communications
  12. a. Communications: You may adjust your communications preferences through your My LendingTree profile. You may also modify your preferences by clicking on an unsubscribe link at the bottom of certain emails sent from LendingTree.

    b. Advertising on third party sites: We may use third-party tracking technology. This technology allows targeted advertisements to you from LendingTree Businesses. Some of these advertising companies may be networks that are members of the Network Advertising Initiative which offers a single location to opt out of ad targeting from member companies. The opt-out is available at http://optout.networkadvertising.org/#!/

  13. Updating and Accessing Your Information
  14. a. The appropriate method(s) for accessing your information, if any, will depend on which Site or services you have used. Depending on the respective Site or service, you may have the ability to view or edit some of your information online using the respective Site or service’s interface. If you have submitted a loan request through us, you can update your information by contacting our Customer Care Department at [email protected]. Our address is 11115 Rushmore Drive, Charlotte, NC 28277.

  15. How We Protect Your Information
  16. a. We follow industry standard security measures (including physical, electronic, and procedural measures) to help safeguard your information from unauthorized access and disclosure. We also require employees to comply with information security safeguards, we use encryption in the transmission of your information between your system and ours, and we use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persons from gaining access to your information.

    b. No system can be completely secure. Therefore, although we take steps to secure your information, we cannot guarantee that your information, searches, or other communication will always remain secure.

  17. Changes to this Privacy Policy
  18. LendingTree has the discretion to update this privacy policy at any time. When we do, we will revise the date at the top of this page. We encourage you to frequently check this page for any changes to stay informed about how we are helping to protect the information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

  19. Visiting our Websites From Outside the United States
  20. The Site is governed by the laws of the United States and is intended for the enjoyment of individuals connected to the internet from a physical location within the United States only. We make no representation that the Site is governed by or operated in accordance with the laws of any other nation.

  21. Compliance with Children’s Online Privacy Protection Rule
  22. This Website and App are not intended for individuals under 18 years of age, and we do not knowingly collect personal information from individuals under 18. If we learn we have collected or received personal information from a person under 18 without verification of parental consent, we will delete the information. If you believe we might have any information from or about a person under 18; please contact us at 1 (800) 555-8733.

  23. LendingTree ChatBot Disclosure
  24. Our LendingTree chat bot is enabled by Microsoft Bot Framework. The Microsoft Bot Framework is a set of web-services that enable intelligent services and connections using conversation channels you authorize. As a service provider, Microsoft will transmit content you provide to our bot/service in order to enable the service. For more information about Microsoft privacy policies please see their privacy statement here: http://go.microsoft.com/fwlink/?LinkId=521839. In addition, your interactions with this bot/service are also subject to the conversational channel’s applicable terms of use, privacy and data collection policies. To report abuse when using a bot that uses the Microsoft Bot Framework, please visit the Microsoft Bot Framework website at https://www.botframework.com and use the “Report Abuse” link in the menu to contact Microsoft.

  25. How to Contact Us
  26. a. If you have any questions about this privacy policy, the practices of any LendingTree Business, or your dealings with a LendingTree Business, please contact us at:

    Compliance Officer
    LendingTree, LLC
    11115 Rushmore Drive
    Charlotte, NC 28277