NXFI PRIVACY POLICY
This “Privacy Policy” outlines how Nxfi LLC, and its subsidiaries and affiliates (referred to as “we,” “us,” or “our”) gather, utilize, and share information when you utilize our Services. The term “Services” collectively refers to various websites, applications, widgets, email notifications, and other mediums, or portions thereof, through which you accessed this Privacy Policy. By utilizing or accessing our Services, you agree to the collection, transfer, manipulation, storage, disclosure, and other uses of Your Information (collectively referred to as “Use of Your Information”) as delineated in this Privacy Policy.
For the purposes of this Privacy Policy, “Your Information” pertains to information about you, which may include personally identifying information, medical and health history information, and/or financial information, and may be of a confidential nature.
This Privacy Policy pertains to our Use of Your Information resulting from your use of our Services and does not extend to the following: (a) information collected through mediums other than our Services; (b) information collected through our Services where a separate privacy policy applies, such as in the case of a sweepstakes entry (please refer to the official rules and privacy policy for each individual sweepstakes for specific policies regarding information sharing and disclosure related to sweepstakes entry); or (c) information collected by any person or entity other than us, even if it is related to our Services, such as a third-party website, application, widget, or lead form.
In addition to this Privacy Policy, our Services are also governed by our Terms of Use and any other documents referenced in this Privacy Policy and our Terms of Use. These documents outline the information we collect from you or that you provide on or to the Services, how Your Information may be used and disclosed by us, and the choices available to you regarding our Use of Your Information and how you can access and update Your Information. Please review this Privacy Policy and the Terms of Use carefully.
Information Gathered and Received About You.
We may obtain or gather various types of information about you, including the details outlined below.
- Name
- Phone Number
- Address
- When you complete forms or fields on our Services;
- When you subscribe to newsletters, other materials, or additional products and services through our Services;
- When you provide information via a third-party application, service, or website;
- When you engage in communication with us or seek information about us or our Services, whether via email or other means;
- When you partake in online surveys;
- When you engage in any of our marketing endeavors, such as contests, events, or promotions;
- When you participate in forums or contribute user-generated content or submissions.
We gather information about you from diverse sources, extending beyond direct interactions, including social media platforms (e.g., Facebook, LinkedIn, Twitter), blogs, other users, and our network of business partners.
Additionally, we compile, receive, and retain data concerning your overall usage patterns and preferences across our services. This encompasses specifics such as the frequency and timing of your interactions, the resources you access, login details, your device type, Internet protocol (IP) address, and browser type. By analyzing this information, we gain insights into your preferences and behavior, facilitating the delivery of personalized experiences and targeted content.
When you access our Services via your computer, mobile phone, or any other device, we may gather various details pertaining to your device. This includes information such as hardware models and identifiers, device type, operating system version, request types, the content of your requests, and fundamental usage data like the date and time of your interactions.
Furthermore, we may capture insights into application-level events and link them to your account to facilitate customer service. Additionally, we might locally store information on your device utilizing mechanisms like browser web storage and application data caches. These practices enable us to enhance your user experience, offer personalized assistance, and optimize our Services for your benefit.
If you opt to enable location services on your device, we may gather data about your precise location, including GPS coordinates from your mobile device. Additionally, we might employ alternative technologies to ascertain your whereabouts, such as by detecting nearby Wi-Fi access points or cell towers. In some cases, we may also obtain location information from third-party sources. These practices enable us to offer location-based features and enhance the relevance of our Services to your specific context. Rest assured, we prioritize the security and confidentiality of your location data in accordance with our privacy standards.
We may obtain your phone number through various channels, such as when you voluntarily provide it to us via our Services, when you call us directly and your number is captured, or if a third party shares your phone number with us. Additionally, we may collect demographic data, such as gender, zip code, and birth date, along with details about your preferences and usage patterns. While this demographic information may not individually identify you, if we combine it with personally identifiable information in a way that identifies you as an individual, we will handle all such data in accordance with our privacy policies. Rest assured, protecting your privacy and confidentiality is paramount to us.
Like many websites, we automatically collect certain information and store it in log files, including internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. This data helps us enhance the services we provide, improve marketing efforts, analyze site functionality, and document your consent to receiving communications from us or our partners. We may combine this log information with other data we collect about you. Additionally, we utilize technologies like cookies, beacons, tags, and scripts to analyze trends, administer the site, track user movements, and gather demographic information about our user base. Cookies help us recognize when you’re logged in, provide personalized features, track interactions with our services, and compile usage information. If you subscribe to our newsletter or register as a member, you’ll receive a cookie upon login to authenticate your identity and grant access to restricted areas. Third-party partners may also use cookies for features or targeted advertising based on your browsing activity. You can manage cookie preferences at the browser level, but disabling cookies may limit certain site features or functionality.
We might utilize Local Storage Objects (LSOs) like HTML5 to store content information and preferences. Our third-party partners may also employ LSOs such as HTML5 for features on our site or to deliver targeted advertising based on your web browsing activity. Many browsers provide their own management tools for removing HTML5. To manage Flash cookies, please click here.
At times, we may engage in partnerships with advertising networks, including third-party advertising servers, agencies, technology vendors, and research firms. For instance, we utilize Google AdSense to display ads on our Services. When you view or click on an ad, a cookie may be set to enhance the delivery of advertisements that could be of interest to you on this or other websites. Additionally, we may utilize third-party advertising networks to display ads on our website or manage our advertising on other platforms. These third-party partners may utilize technologies such as cookies to collect information about your activities across this site and others to provide you with targeted advertising based on your browsing behavior and interests. This practice is commonly known as “online behavioral advertising.” To learn more about how you can prevent certain third-party advertising networks from gathering information about you, please refer to the “Online Behavioral Advertising” subsection of Choices About How We Use and Collect Your Information below.
We may utilize your information for various lawful business purposes, including but not limited to:
How We Use Information:
Engage in Customer Support: We are committed to providing you with exceptional customer support. This includes confirming and completing transactions as requested, verifying information you provide, and delivering administrative notices to ensure smooth and efficient interactions.
Contact and Information Provision: Communication is key to our relationship with you. We may reach out via various channels such as telephone, email, postal mail, or other means to provide updates about our services, share promotional materials, conduct surveys, extend offers, provide personalized information, and collaborate with our business partners to offer you relevant insights and opportunities.
Analyze, Improve, and Manage Operations: We continuously strive to enhance our services and operations to better serve your needs. This involves gathering feedback, anticipating your preferences, analyzing usage patterns, customizing content and advertising, refining marketing strategies, and conducting statistical analysis to identify areas for improvement. Your input is invaluable in shaping our offerings and ensuring they align with your expectations.
Resolve Problems and Ensure Security: Your privacy and security are paramount to us. We utilize your information to address any issues or disputes that may arise, uphold legal and regulatory requirements, enforce our policies, and safeguard the integrity of our services. By doing so, we aim to maintain a safe and secure environment for all users while fostering trust and transparency in our interactions.
Ways We Share Your Information:
General Disclosure of Your Information.
- To individuals authorized to receive it as your agent, based on our reasonable judgment or your business interactions (e.g., your attorney).
- To our third-party vendors to support our internal and business operations, including data processing, verification, storage, surveys, research, internal marketing, delivery of promotional materials, and maintenance and security of our Services. These vendors are contractually obligated to maintain confidentiality and only use Your Information as necessary for these services.
- When using our Services to request quotes, services, or information from third parties (e.g., insurance providers or real estate agents), we may disclose Your Information to them, and we may be compensated for such disclosure. Your Information will be subject to the third party’s information use and sharing practices.
- When engaging in activities sponsored by third parties through our Services (e.g., purchasing products, opting to receive information, or participating in contests), we may disclose Your Information to them, and we may be compensated. Your Information will be subject to the third party’s information use and sharing practices.
- To third parties interested in contacting you or offering related products or services, and we may be compensated for such disclosure.
- As required by law or ordered by a court, regulatory, or administrative agency.
- If we believe it necessary to enforce applicable laws or protect rights, including our own.
- In response to requests by authorities in cases of terrorism or emergencies.
- To enforce our Terms of Use, Privacy Policy, and other agreements.
- In connection with Business Transfers, and to our affiliated companies.
If you do not want Your Information shared as described above, then you should refrain from providing us with Your Information.
If you submit a request through our Services and we share Your Information as described above in connection with your request, you will not have the opportunity to opt out of the disclosure of Your Information in connection with that request.
We may aggregate and de-personalize Your Information by combining it with information about other individuals or by removing characteristics that make the information personally identifiable to you. We reserve the right to share, loan, rent, sell, or otherwise disclose such de-personalized information to third parties for any lawful purpose, without notice or compensation to you.
If our Services contain functionality allowing you to send content to a friend, please note that we may display your email address to your friend and use the information you provide about your friend to facilitate communication, as outlined in this Privacy Policy. We do not store your friend’s email address in our database, and your friend will receive a one-time message notifying them of the shared content.
In cases where you submit information to us for a sweepstakes entry, we reserve the right to share, loan, rent, sell, or otherwise disclose the information you submit with third parties for any lawful purpose, without notice or compensation to you. Participation in these sweepstakes is voluntary, and you have the choice to disclose Your Information or not. Please refer to the official rules and privacy policy for each sweepstakes for specific policies regarding information sharing and disclosure.
It’s important to note that no method of transmission or electronic storage is entirely secure, and we cannot guarantee absolute security. Under certain circumstances, we may be required to disclose Your Information to government authorities or third parties, or unauthorized third parties may intercept or access transmissions or private communications. Therefore, your use of our Services is at your own risk, and we do not promise or guarantee that Your Information will always remain private.
We reserve the right to disclose, lease, sell, assign, or transfer Your Information collected through our Services, along with any personally identifiable information contained in such databases, to third parties in connection with a Business Transfer. This includes scenarios such as share or asset sales, acquisitions, mergers, bankruptcies, or other corporate changes involving us and/or our affiliates.
Our Services are intended for users aged 13 and above. No one under 13 may provide any personally identifiable information through the Services. We do not knowingly collect personally identifiable information from children under 13. If you believe we may have information from or about a child, please contact us.
User-generated content posted on our Services is at your own risk. We offer publicly accessible blogs and interactive media, and we cannot control the actions of other users with whom you share your content. Copies of your user-generated content may remain viewable in cached or archived pages even after removal. Proper access and use of information provided through our Services, including user-generated content, are governed by our Terms of Use.
We aim to offer you options regarding the personally identifiable information you share with us. Below are several mechanisms that give you control over certain information.
Cookies: If you prefer that we do not collect cookies, you have the option to configure your browser settings to refuse cookies or to notify you when cookies are being sent. However, please be aware that disabling cookies may result in certain parts of our Services becoming inaccessible or functioning improperly.
Email Offers from Us: If you no longer wish to receive email offers or newsletters from us, you can opt out of receiving such communications (excluding essential transactional emails related to registration, user data correction, password changes, and similar communications) by following the unsubscribe instructions provided at the bottom of the email.
Accessing and Correcting Personally Identifiable Information: If you have created an account with us through a section of our Services, you can review and update Your Information by logging into your account profile page within that section of our Services and making the necessary changes. We will retain Your Information for as long as your account remains active or as required to provide you with our services, comply with legal obligations, resolve disputes, and enforce agreements.
Log Files: Various browsers may offer tools for managing and removing HTML5 LSOs. To manage Flash LSOs, please visit the relevant settings page.
Online Behavioral Advertising: If you prefer not to have third-party advertisers collect information for the purpose of serving you interest-based ads, you can opt out by following the provided links. Additionally, you can opt out of behavioral advertising conducted by NAI member companies and Google Adsense by following the instructions provided on their respective websites. Please note that opting out of these services does not prevent you from receiving generic advertisements.
Information You Disclose to Third Parties: When using our Services, you may encounter opportunities to receive information or marketing offers from third parties. Any information you provide to such third parties will be subject to their respective privacy policies and practices. We advise reviewing the privacy policies of these third parties before disclosing any information to them. If you no longer wish to receive communications from a third party, you must contact them directly.
Links to Third-Party Websites: Our Services may contain links or provide access to websites operated by third parties. Clicking on these links may redirect you to third-party websites beyond our control. We do not endorse these third parties or their websites, products, services, or practices. We encourage you to review the privacy policies and terms and conditions of any third-party websites before providing any personally identifiable information.
Third-Party Widgets and Plug-ins: Our Services may incorporate social media features and widgets, such as the Facebook Like button or Share this button. These features may collect your IP address and set cookies to enable their functionality. Your interactions with these features are governed by the privacy policies of the companies providing them.
Operation of our Services in the United States: Our Services are operated in the United States. If you are located outside the United States, please note that any information you provide to us will be transferred to the United States. By using our Services or providing us with Your Information, you consent to this transfer.
Changes to this Privacy Policy: We reserve the right to update, amend, or change this Privacy Policy at any time. Any amendments will be effective immediately upon posting on our Services. Material changes will be notified to you before they take effect. We encourage you to periodically review this Privacy Policy for any updates. Your continued use of our Services following changes to this Privacy Policy constitutes acceptance of those changes.
Contacting Us: If you have questions, concerns, or requests regarding our privacy practices or Your Information, please contact us at info@nxfi.com.
State-specific disclaimers may vary based on applicable laws and regulations in your jurisdiction.
California: As a California resident, you may apply for a separate, individual account if married. California law grants you additional rights concerning the use of your personal information. To understand more about your California privacy rights, please refer to our CCPA Privacy Notice.
Maine: You maintain the right to freely choose the agent and insurer for insurance related to a loan. The selection of insurance products from a specific agent or broker does not impact credit decisions by the lender, unless the chosen insurance product fails to comply with the lender’s requirements.
New York: In connection with your credit application, the lender may request a consumer report. The lender or its affiliates may request additional consumer reports without further notice to you for any credit updates, renewals, or extensions. Upon request, the lender will disclose whether a consumer report was obtained and provide details of the consumer reporting agency used.
Ohio: Ohio laws against discrimination mandate equal credit availability to all creditworthy customers. Credit reporting agencies must maintain separate credit histories for each individual upon request. The Ohio Civil Rights Commission oversees compliance with this law.
Rhode Island: Credit reports may be acquired in association with a credit application.
Vermont: By submitting your application, you authorize any lender with whom it is shared, as well as their representatives, to obtain and verify relevant information about you, including credit reports and employment/banking details. If your application is approved, you authorize the granting parties to access additional credit reports and information for account review, collections, or other legitimate purposes.
Wisconsin: No marital property agreement, unilateral statement under Wis. Stat. 766.59, or court decree under Wis. Stat. 766.70, impacts the creditor’s interest unless provided with a copy of the agreement, statement, or decree before granting credit or has prior knowledge of the adverse provision.
Attention: General Manager