Open Path Lending Privacy Policy  

Privacy and Cookie Policy

This Privacy and Cookie Policy (“Policy”) describes Open Path Lending’s (“we,” “our,” or “the Company”) practices regarding information collected from individuals (“Users”) who access our website at www.openpathlending.net (“Site”), or otherwise share personal information with us. This Policy applies to all products and services offered by Open Path Lending.

1. Grounds for Data Collection

We collect and process personal information (any information that may identify you with reasonable means; hereinafter “Personal Information”) based on the following legal grounds:

• To perform our contractual obligations and provide you with services
• To protect our legitimate interests
• To comply with legal and regulatory requirements

By using the Site, you consent to our collection, storage, use, and disclosure of your Personal Information as described in this Policy. We encourage Users to read this Policy carefully to make informed decisions.

2. Information We Collect

Types of Information Collected

1. Non-Personal Information: This includes un-identified and non-identifiable information about Users, which may be collected via your interaction with the Site. Non-personal information may include browser types, operating systems, language preferences, access times, and aggregated usage data (e.g., pages viewed, clicks, and browsing behavior).
2. Personal Information: Individually identifiable information that can reasonably identify an individual, such as:

• Device Information: Includes geolocation data, IP address, unique identifiers (e.g., MAC address, UUID), and data on your activity on the Site.
• Registration Information: Information provided by you upon registration or during use of the Site, such as name, email address, physical address, and other contact details.

How We Collect Information

We receive Personal Information in several ways:

• Directly from you when you voluntarily provide details to register or use our services
• Through your interaction with our Site
• From third-party providers, such as analytics vendors and public registers

3. Cookie Policy

What Are Cookies?

Cookies are small text files that websites place on your device to collect information and improve User experience. Cookies help us recognize Users, track interactions, and enhance Site functionality.

Types of Cookies Used

• Session Cookies: Temporary cookies that enable normal browsing and are deleted when you close your browser.
• Persistent Cookies: Stored on your device for a fixed period and used for repeat visits to remember preferences.
• Third-Party Cookies: Set by third-party services that appear on our Site, such as analytics providers, to analyze web access and user behavior.

Managing Cookies

You may control and delete cookies via your browser settings. Disabling cookies may impact certain Site functionalities.

Google Analytics

We use Google Analytics to gather statistical data on Site usage, which helps us improve our services. Google Analytics does not collect personally identifiable information, and the IP address assigned to you on the day of your visit is anonymized. For details on Google Analytics’ data practices, review their Terms of Use and Privacy Policy.

4. How We Use Information Collected

We use Personal Information for the following purposes:

• Communicating with You: To send updates, technical notices, and responses to inquiries.
• Improving User Experience: By analyzing and personalizing our Site content.
• Marketing and Advertising: To inform you of our latest updates, services, and relevant offers.
• Data Analysis: Conducting statistical and analytical analysis to enhance Site functionality.

In addition to these uses, we may share Personal Information with subsidiaries, affiliates, and trusted third-party providers for specific purposes, such as:

• Hosting and operating the Site
• Personalizing Site display
• Advertising and retargeting
• Performing technical diagnostics or analytics

5. Sharing Your Information

We do not rent, sell, or share Personal Information with third parties except as described in this Policy. We may share aggregated, de-identified information with our business partners, affiliates, or advertisers for analytical purposes. We may also disclose Personal Information to third parties if required to:

• Comply with legal requirements or regulations
• Enforce our policies or investigate potential violations
• Prevent illegal activities, suspected fraud, or security issues
• Protect the rights, property, or safety of ourselves, Users, or third parties

6. Your Rights

You may exercise the following rights concerning your Personal Information:

• Access: Receive confirmation and access to your stored Personal Information.
• Rectification: Request corrections to any inaccurate or incomplete data.
• Erasure: Request deletion of Personal Information under certain conditions.
• Restriction: Request limited processing of Personal Information.
• Objection: Object to processing of your data for specific purposes.
• Data Portability: Receive a copy of data you provided to us in a commonly used format.
• Complaint: File a complaint with a relevant regulatory authority.

Please note that these rights may be limited by our legitimate interests or regulatory requirements.

To exercise these rights or inquire further, please contact our Data Protection Officer (“DPO”) at info@openpathlending.net.

7. Retention of Information

We retain Personal Information as needed to fulfill our services, comply with legal obligations, and resolve disputes. Retention periods vary based on the nature of the information and purpose of collection, with an emphasis on disposing of outdated data responsibly.

8. Third-Party Websites

Our Site may link to third-party websites. This Policy does not apply to those sites, and we are not responsible for their practices. We encourage you to review the privacy policies of any third-party sites you visit.

9. Changes to This Policy

Open Path Lending reserves the right to update this Policy at any time. We will revise the date at the bottom of this page when updates are made. Continued use of the Site indicates acceptance of any changes.

10. Contact Us

For any questions regarding this Privacy and Cookie Policy, please contact us at:

Website: www.openpathlending.net

Last Updated: Nov. 2024