Privacy Policy

---

 The HELOC Company respects your privacy and the privacy of visitors to www.theheloccompany.com and all sites and mobile applications (collectively “sites”) that link to this Privacy Policy (“Policy”). 

This Policy applies to our sites and describes how The HELOC Company may collect, use, and share information about you from our sites. We encourage you to read this Policy before using the sites. By visiting our sites, you agree to the terms of this Policy. We have the right to use your information as described in this Policy. If you do not agree to these terms, please leave the site.

In addition to this Policy, The HELOC Company’s written Privacy Notice[JHR1]  further describes how we collect, use, and share personal identifiable information (defined below) shared with us, including when you apply for or purchase our products and services and become our customer.

There are two types of information collected on our sites: Personally Identifiable Information (PII) and Non-Personally Identifiable Information (NPII).

Personally Identifiable Information (“personal information”) is information that identifies you as an individual, such as your name, mailing address, email address, age range, geo-location, phone carrier, or other device information, etc. We obtain personal information when you voluntarily submit or provide the information to us, through the use of cookies (see below) and when we collect your geo-location, phone carrier, or other device information directly or through third-party vendor(s).

Non-Personally Identifiable Information (“non-personal information”) is information that does not identify you as an individual, such as your browser type, IP Address, and the URL of the web sites you visited before or after our sites. The HELOC Company may automatically collect certain types of non-personal information from you when you use our sites. We may also collect non-personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.

The HELOC Company may use personal information it can collect on our sites for a variety of reasons related to fraud protection, obtaining a better understanding of your needs and interests, and to develop and provide you with products, services, and features that better meet your needs or requests.

The HELOC Company collects on-line information when you provide it to us or submit it through the use of technology, such as an online application, a form submission, or request for information.

We may require you to provide contact and identity information if you choose to use certain services on our sites. We indicate which fields must be completed to take advantage of a particular service or feature.

We may use cookies and similar tracking technologies to track your activity on our sites, improve your experience, gather information for statistical and other information, and to store certain information . We may use Tracking technologies, such as beacons, tags, or scripts to collect and track information and to improve our service. 

A cookie is a small file sent by a site that is saved on your electronic device. It holds information a site may need to personalize your experience and/or gather statistical information, such as which pages are visited, what is downloaded, the Internet provider’s domain name, and/or the addresses of sites visited immediately before and after coming to our sites. The HELOC Company may also use cookies in conjunction with third party services to obtain demographic data on visitors to our sites. The information collected enables us to provide products and services that may better suit your needs.

You can instruct your browser to refuse all cookies or indicate when a cookie is being sent. Since each browser is different, check the “Help” menu of your browser to learn how to change your cookie preferences.

Cookies can be “persistent” or “session” cookies. Persistent cookies remain on your personal computer or mobile device when are offline. Session cookies are deleted as soon as you close your browser.

A flash cookie collects and stores information. Some sections of our sites may use local stored objects to collect and store information about your preferences or activity on our sites. Flash cookies are not managed by the same browser settings as those used for browser cookies.

Web beacons (also known as “clear gifs”, “pixel tags”, “embedded pixels”, or “single-pixel gifts”) are small electronic files that permit The HELOC Company  to collect IP addresses for the purpose of system administration, server integrity, authentication, and server security. We may use the information to count users who visit our sites, and our server may log your IP address. We may use beacons (embedded pixels) to identify unique user visits to our sites. These may also be used in emails to provide information on if or when the email was opened to track marketing responses. Information collected using these technologies may be associated with your email address. 

We may share personal information among The HELOC Company and its affiliated companies, if any, and with select third parties as permitted or required by law. For information on who we may share your personal information with once you apply for our products or services, or become our customer, view our [Privacy Notice[JHR2] ].

We also reserve the right to share your personal information with third parties if we believe such action is necessary in order to: (a) conform with the requirements of any court order, law or legal process, including to respond to any government or regulatory request; (b) protect or defend our legal rights or property, our sites or our users; or (c) investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or violations of the terms and conditions of using our sites.

Our sites do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If we learn that personal information on a child under the age of 13 is collected, we will delete that information from our systems. If you are a parent or guardian and are aware your child provided us with personal data, please contact us at (800) 218-3991 and we will take steps to remove the information from our servers.

The security of your personal information is very important to us, and we are committed to protecting the information we collect. We have security measures in place that seek to protect against the loss, misuse, or alteration of information that The HELOC Company has collected from you through our sites.

Remember, however, no information transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, The HELOC Company cannot ensure or guarantee the security of any information you transmit to us or from our on-line products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our sites.

By visiting our sites, you accept the terms and conditions of this Policy, and we have the right to use your information as described in this Policy.

This Policy applies only with respect to the information that we collect on-line on our sites and not to any information that The HELOC Company collects through other methods or sources.

If you do not believe we or our sites are abiding by this privacy policy, please notify us immediately by calling (800) 218-3991. To report a complaint or submit feedback, you may call this number or mail us at the address below.

The HELOC Company may update, modify, or amend this Policy at any time. We will post any changes on this page and update the “Last updated” date at the top of the page. Your continued use of our sites after any changes to this Policy are posted on our sites constitutes your acceptance of those changes. Please check this page periodically for updates. Changes to this Policy will not affect our use of previously provided personal information.

Your use of this site is subject to certain Terms of Use.

When you submit any information to The HELOC Company in connection with any of our products and services, you consent to The HELOC Company’s processing of this information as necessary to provide you the products and services.

If you have any questions or comments about our Policy and/or the way it affects you, please feel free to contact us by:

By Telephone: (800) 218-3991

By Mail: 

The HELOC Company 

7402 Colesville Rd., 

Suite 1100, 

Silver Spring, MD 20910