This policy describes the ways we collect, use, share and protect your personal information in connection with your use of and any of its subdomains (the “Site”) and the products and services offered by Vidalia Lending Corporation. By accessing, using our Service, or registering on the Site, you signify that you have read, understood and agree to our collection, storage, use and disclosure of your personal information as described in this Privacy Policy.

What Information we collect

The types of personal information we collect depends on the products and services you use. The information includes:

  • Your contact information such as your name, address, phone, and email;
  • Your date of birth, social security number, and other information provided by consumer reporting agencies, your payment history and other information about you we access to verify your identity and manage risk;
  • Information about your education and your personal interests;
  • Information so we can process your payments such as your bank account numbers and bank account credentials;
  • Information about your employer, current income, assets and certain expenses, including with respect to your employment, bank account credentials and transaction information;
  • Information about you when you visit the Site, including information submitted by you or our other customers when interacting with the Site’s features and using its online communication features.

In addition, when you visit the Site or use the products and services available on the Site we automatically collect certain information from your computer, mobile phone or other access device. Log file information is automatically reported by your browser or mobile device each time you access the Site. When you use the Site, our servers automatically record certain log file information. These server logs may include anonymous information such as your web request, Internet Protocol (“IP”) address, browser type, referring / exit pages and URLs, number of clicks and how you interact with links on the Site, domain names, landing pages, pages viewed, and other such information. When you use the Site, we may also employ clear gifs (also known as web beacons) which are used to anonymously track the online usage patterns of our users. In addition, we may also use clear gifs in HTML-based emails sent to our users to track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Site.

Third-party advertisers may use cookies on the Site for the purposes of targeted behavioral advertising. Although you may not opt out of receiving online advertisements generally, you may control the collection of data by third party advertisers on our Site used for targeted advertising during your visits to other websites. To opt-out of this data collection for targeted advertising on other sites, visit the Network Advertising Initiative.

How we collect information

We collect information about you:

  • From you when you register on the Site, use the Site, apply for a loan or to be a investor, and from your transactions, repayments, account funding and withdrawals, and your communications with us;
  • From third parties such as credit bureaus, identity verification services and other public records or websites.

Why we collect information

We collect this information from you in order to:

  • provide you and other customers with access to the products and services offered through the Site,
  • provide notices and other information to you about, or in connection with, these products and services,
  • provide customer support,
  • protect against fraud, fulfill legal requirements and enforce our agreements, and
  • provide, maintain, develop and improve our services, your experience, and to protect Vidalia Lending and its users.

Referral Program

Our users can refer friends to the Site including through our third-party referral program partner. Referrers may share information with us about referrees including email addresses. In addition, we may share information with referrers as to whether a referree received a loan. This information is provided in order for the referrer to receive credit for referring a customer that has obtained a loan is stored for the sole purpose of sending emails to such referred customers and tracking the success of our referral program. We take reasonable efforts to protect information and do not share any personally identifiable information with referrers, however, in certain instances, a referrer may deduce a referree's identity and determine a specific referree obtained a loan. In the case where a bonus is offered to a user in return for the referral we will only retain the information about the referred parties to properly credit the account of the user initiating the referral. The information is not used for any other purpose.

How we protect your information and use cookies

We protect your personal information from unauthorized access and use by maintaining physical, electronic and procedural safeguards in compliance with applicable law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.

When you access the Site or content or use the products or services available through the Site, we (or companies we work with) may place small data files called cookies or pixel tags on your computer or other device. We use these technologies to recognize you as a customer; customize our services, content and advertising; collect information about your computer or other access device to mitigate risk; help prevent fraud; and improve our products and services.
 You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of the Site. The help legal section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies. However, certain partners may collect incoming IP addresses in connection with your visits to our Site, for example, to avoid double counting the number of new members who joined as a result of an advertising campaign.

In the event that any of your information that we control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify you and take other steps in accordance with any applicable laws and regulations.

Upon termination or deactivation of your Vidalia Lending account on the Site, we may retain your profile information and user content and information for backup, archival, or audit purposes.

Copyright © 2008-2019 Vidalia Lending Corp.
All Rights Reserved.
Vidalia Lending Corp. is authorised and regulated by Securities and Exchange Commission (SEC) with License No. CS200813771 issued October 2008. Vidalia Lending is incorporated with registered office at Unit 601 Summit One Tower #530 Shaw Boulevard Mandaluyong City, Metro Manila Philippines