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This practice is required to provide our clients with notice of our privacy practices about your protected personal information collected from this website.

Consent
By using this website, you agree to understand and accepting the terms listed in this privacy policy. We reserve the right to update, amend, or change this Privacy Policy at any time to conform to new laws and regulations or changes in business standards. This privacy policy does not extend to any third party websites that link to or from our websites, and we are not responsible for any of the content on that site. Those websites have their own privacy policies, and it is recommended that users read through them before providing any information to the website owner.

Information Security
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way, such as the Secure Socket Layer (SSL) protocol. All forms have 256-bit encryption to transmit information securely.

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

Our privacy policy does not cover content that is transmitted via email to our office. Email does not have the same encryption and security protocols and should not be used to transmit sensitive information.

Log Information
When you use our website, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.

Cookies enable us to customize your browsing experience and speed up website load times. You have the ability to accept or decline cookies at any time. If you decline cookies, you do not have access to the benefits of a custom web browsing experience.

Information Sharing
Our monthly newsletter service sends monthly newsletters with relevant information to the topic of interest. Your email will not be sold, rented or leased to a third-party. You may remove your name from the newsletter list at any time by following the removal instructions at the bottom of any newsletter sent.

Social Media Policy
We are not responsible for any information collected by social networks on which we maintain a social media presence. These include, but are not limited to, Facebook, Google, Twitter, Pinterest, and LinkedIn. Each social network has its privacy policy, and it should be read before creating an account on the network. We are not responsible for any marketing or retargeting performed by a social network after you have visited our pages.

Changes to This Policy
Please note that this Privacy Policy may change from time to time. While we expect most such changes will be minor, we will post any Policy changes on this page.

Electronic Communications Disclosure and Consent

You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, “Communications”) that we, Consolidated Investment Corp provide in connection with your loan or the servicing of your loan. Your consent gives permission to communicate with you electronically regarding any activity related to the loan or transaction identified herein.

Communications include, as applicable:

  • communications about your loan application, including your interest rate, finance charges, and APR, and the final terms of your loan;
  • terms and conditions and policies you agree to, including updates to these agreements or policies;
  • initial or periodic disclosures;
  • payment receipts;
  • notices of default;
  • federal and state tax statements we are required to make available to you; and
  • any other information relating to your payments to us.

We will provide these Communications to you by e-mailing them to you at your registered e-mail address. It is your responsibility to keep your registered e-mail address up to date so that we can communicate with you electronically. You have the right to request paper copies of any communication. Paper copies can be requested by calling 512 472-7297 during our operating hours 8:00 AM CST to 5:00 PM CST, each Monday through Friday & 8:00 AM CST to 1:00 PM CST on Saturday that is Business Days.

In order to access and retain electronic Communications, you will need: a computer with an Internet connection; a current web browser that includes 128-bit encryption and with cookies enabled (e.g. Internet Explorer version 8.0 and above, Firefox version 2.0 and above, Chrome version 3.0 and above, or Safari 3.0 and above); a valid e-mail address; and sufficient storage space to save past Communications or an installed printer to print them. You confirm that you have access to the necessary equipment and software to receive and save/print our Communications to you.

 Notwithstanding your agreement and consent to exchange information with us electronically as provided in this Consent, we reserve the right to provide you, and the right to require you to provide us, with a written or paper version of any Communications in addition to or instead of an Electronic Record of the Communications in our discretion or as the law may require. If you are required by law or the terms of any agreement with us to provide any notice in writing, you must provide that notice in writing notwithstanding your agreement to exchange information with us electronically as provided in this Consent, unless we specifically advise you in a Communication that you may provide the notice electronically.

You may withdraw your consent to receive Communications electronically by e-mailing us at [email protected]; by calling us at 512-472-7297 during our operating hours 8:00 AM CST to 5:00 PM CST, each Monday through Friday & 8:00 AM CST to 1:00 PM CST on Saturday that are Business Days; or by writing to us via regular mail at 909 E Cesar Chavez St. Austin, TX 78702. Withdrawal of your consent to receive Communications electronically does not dismiss your obligation under this agreement. Upon receipt of your withdrawal of your consent to receive Communication electronically, all further Communications will be conducted via U.S. Mail, courier, process server, or other means of posting written paper Communications in your direct possession.

Effective August 6, 2013