Privacy Policy

Ariel Online, Inc. ("Ariel Online Inc.) is committed to respecting the privacy rights of users of the PersonalLoanOffers.com website (the "Website"). PersonalLoanOffers.com created this privacy policy (the "Privacy Policy") to give you confidence as you visit and use the Website, and to demonstrate its commitment to fair information practices and to the protection of privacy.

State Law & Accompanying Rights
Please understand that you may have additional rights originating from State laws based on where you live. These State-based rights may augment, strengthen, or otherwise somehow compliment any privacy rights you have inherently or under Federal law. Our policy is to comply fully with the privacy policies of every jurisdiction in which we operate. Accordingly, you are free to use our Contact information to reach us at any time to assert any State rights.

This Privacy Policy applies whether you are accessing the Website via a personal computer, a mobile device or any other technology or devices now known or hereafter developed or discovered. This Privacy Policy is only applicable to the Website and not to any websites owned by PersonalLoanOffers.com's parent companies, subsidiaries or affiliates or other third-parties (collectively, "Third-Party Websites"), which may have data collection, storage and use practices and policies that differ materially from this Privacy Policy. For additional information, see the section concerning Third-Party Websites, below.

BY USING THE WEBSITE, YOU REPRESENT AND WARRANT THAT: (1) YOU ARE AT LEAST 18 YEARS OLD, A RESIDENT OF THE UNITED STATES, AND ARE OTHERWISE LEGALLY QUALIFIED TO ENTER INTO AND FORM CONTRACTS UNDER APPLICABLE LAW; AND (2) YOU HAVE READ AND UNDERSTOOD, AND AGREE TO THE TERMS OF, THIS PRIVACY POLICY. IF YOU DO NOT UNDERSTAND OR DO NOT AGREE TO BE BOUND BY THIS PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE.

1. U.S. GOVERNING LAW The Website is designed and targeted to U.S. audiences and is governed by and operated in accordance with the laws of the U.S. PersonalLoanOffers.com makes no representation that this Website is operated in accordance with the laws or regulations of, or governed by, other nations. If you are located in the European Union or elsewhere outside of the U.S., you access and use the Website at your own risk and initiative and you, not us, are responsible for compliance with any applicable local and national laws. By using the Website and/or providing us with your Personal Information (as defined in Section 3(e), below), you: (1) consent to the transfers and processing of any Personal Information you provide to the Website; (2) acknowledge that U.S. law provides a lower standard of protection for personal data than the laws of various countries including, but not limited to, the European Union; and (3) understand that the Website will deal with your Personal Information in accordance with this Privacy Policy and U.S. law. CONSEQUENTLY, YOU HEREBY WAIVE ANY CLAIMS THAT MAY ARISE UNDER THE LAWS AND REGULATIONS THAT APPLY TO YOU IN OR OF ANY OTHER COUNTRY OR JURISDICTION.

2. CHILDREN'S PRIVACY PersonalLoanOffers.com does not solicit or knowingly collect personally identifiable information from children under the age of 13. If PersonalLoanOffers.com obtains actual knowledge that it has collected personally identifiable information from a child under the age of 13, PersonalLoanOffers.com will immediately delete such information from its database. Because PersonalLoanOffers.com does not collect personally identifiable information from children under the age of 13, PersonalLoanOffers.com has no such information to use or disclose to third parties.

3. INFORMATION COLLECTION PRACTICES (a) Traffic Data. Like most website operators, PersonalLoanOffers.com automatically gathers information of the sort that browsers automatically make available, including: (i) Internet Protocol (IP) addresses; (ii) domain servers; (iii) types of computers accessing the Website; (iv) types of Web browsers accessing the Website; and (v) full Uniform Resource Locator ("URL") click stream data, including referring URLs, date and time, and content viewed or searched for on the Website (collectively "Traffic Data"). Traffic Data is anonymous information that does not personally identify you.

(b) Cookies. A "Cookie" is a string of information that a website stores on a user's computer, and that the user's browser provides to the website each time the user submits a query to the website. The purpose of a Cookie is to identify the user as a unique user of the Website. PersonalLoanOffers.com uses "session" cookies to collect information about your use of the Website and to give you a more personalized browsing experience and help you navigate the Website more efficiently from page to page. These cookies are temporary and are deleted when you close your browser. PersonalLoanOffers.com uses "persistent" cookies to gather statistical information about repeat usage from your computer or workstation. For additional information on 'PersonalLoanOffers.com' uses of Cookies, see the section concerning Information Use and Disclosure Practices/Traffic Data and Information Gathered Using Cookies and Web Beacons, below.

IF YOU DO NOT WISH TO HAVE COOKIES PLACED ON YOUR COMPUTER, YOU SHOULD SET YOUR BROWSERS TO REFUSE COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE UNDERSTANDING THAT CERTAIN OF THE SERVICES AND CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF COOKIES. IF YOU REFUSE COOKIES, YOU ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

(c) Web Beacons. "Web Beacons" (also known as clear gifs, pixel tags or web bugs) are tiny graphics with a unique identifier, similar in function to Cookies, and are used to track the online movements of web users or to access Cookies. Unlike Cookies which are stored on the user's computer hard drive, Web Beacons are embedded invisibly on web pages (or in e-mail). Web Beacons may be used to deliver or communicate with Cookies, to count users who have visited certain pages and to understand usage patterns. For additional information on "PersonalLoanOffers.com" uses of Web Beacons, see the section concerning Information Use and Disclosure Practices/Traffic Data and Information Gathered Using Cookies & Web Beacons, below.

(d) Ad Serving. PersonalLoanOffers.com uses third-parties for advertising and analytics for pages that we host. These third-parties may place Cookies on your machine, use Web Beacons, gather Personal Information, gather IP addresses and log data to collect traffic and activity data in order to deliver relevant metrics, content, and advertising. The collection of this information by third-parties are subject to such third-parties' privacy policies. For additional information, see the section concerning Third-Party Websites, below.

(e) Personal information: during the loan request process, you will be asked to provide PersonalLoanOffers.com certain information that personally identifies you ("Personal Information"). Personal Information includes: (1) "Identity/Contact Data" (such as your name, address, email address, phone number, social security number, your employer and your work phone number); and (2) "Demographic Data" (such as your birthday, city/town, zip code, state, residence information, financial history, employment history, job title, job level, industry and monthly income). In each case, you will be asked to provide Personal Information; the Website will not gather it surreptitiously. BY PROVIDING YOUR SOCIAL SECURITY NUMBERS, YOU THEREBY EXPRESSLY CONSENT THE COLLECTION BY PersonalLoanOffers.com OF SUCH INFORMATION. PersonalLoanOffers.com may supplement the Personal Information you provide with additional Personal Information gathered from public sources or from third-parties (e.g., consumer reporting agencies, third-party service providers, etc.) who may lawfully provide such information to PersonalLoanOffers.com.

(f) Widgets. The Website includes Social Media Features, such as the Facebook Like button. These Features may collect your IP address, which page you are visiting on the Website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

4. INFORMATION USE AND DISCLOSURE PRACTICES (a) Traffic Data and Information Gathered Using Cookies and Web Beacons PersonalLoanOffers.com analyzes Traffic Data and information gathered using Cookies and Web Beacons to help PersonalLoanOffers.com better understand who is using the Website and how they are using it. By identifying patterns and trends in usage, PersonalLoanOffers.com is able to better design the Website to improve your experience, and to serve you more relevant and interesting content and advertisements. From time to time, PersonalLoanOffers.com may release Traffic Data and information gathered using Cookies and Web Beacons in the aggregate, such as by publishing a report on trends in the usage of the Website. PersonalLoanOffers.com does not attempt to link information gathered using Cookies or Web Beacons to Personal Information.

(b) Personal Information (i) Generally. PersonalLoanOffers.com uses your Personal Information and to identify you, to confirm facts about you, to send you information about PersonalLoanOffers.com and ' PersonalLoanOffers.com' products and services, and to contact you when necessary in connection with your use of the website. PersonalLoanOffers.com uses your Demographic Data to customize and tailor your experience on the Website. As with Traffic Data and information gathered using Cookies and Web Beacons, from time to time PersonalLoanOffers.com may release Demographic Data in the aggregate, such as by publishing a report on trends in the usage of the Website.

(ii) Disclosure Practices. Except under the following circumstances, PersonalLoanOffers.com will keep your Personal Information private, and will not sell or otherwise share it with third parties:

Disclosure to Parent Companies, Subsidiaries and Affiliates. PersonalLoanOffers.com discloses Personal Information to its parent companies, subsidiaries and affiliates for marketing and/or administrative purposes.

Disclosure to Lenders. PersonalLoanOffers.com refers consumers to lenders who provide short-term loans. PersonalLoanOffers.com discloses Personal Information to lenders, who use your Personal Information to identify you, to confirm facts about you, to deliver financial products and services to you, to help assess requests for financial products and services, and as necessary to service your loan.

Marketing Communications. PersonalLoanOffers.com provides your Personal Information to third parties, so that they may contact you directly, online and offline, with information about additional products and services ("Marketing Communications"). You may opt-out of having your Personal Information provided to third parties for the purpose of Marketing Communications by clicking here and following the opt-out instructions. Even after opting-out, you may continue to receive Marketing Communications from third parties to whom PersonalLoanOffers.com has already has provided your Personal Information. You will be responsible for contacting those third parties directly to request that you receive no further Marketing Communications.

Disclosure in Connection with Services. PersonalLoanOffers.com discloses Personal Information to those who help it provide Services, including those who perform technical, administrative and data processing tasks such as ad serving (see Section 2(d), above), email management, hosting, billing, fulfillment, and data storage and security.

Links to Third Party Websites
We have included links on this website for your use and reference. We are not responsible for the privacy policies on these websites. You should be aware that the privacy policies of these websites may differ from our own.

By Law or to Protect Rights. PersonalLoanOffers.com discloses Personal Information when required to do so by law, or in response to a subpoena or court order, or when PersonalLoanOffers.com believes in its sole discretion that disclosure is reasonably necessary to protect the property or rights of PersonalLoanOffers.com, third parties or the public at large.

Business Transfers; Bankruptcy. PersonalLoanOffers.com reserves the right to transfer all Personal Information in its possession to a successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of 'PersonalLoanOffers.com' assets. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred Personal Information will be subject to this Privacy Policy, or to a new privacy policy if you are given notice of that new privacy policy and an opportunity to affirmatively opt-out of it. Personal Information submitted or collected after a transfer, however, may be subject to a new privacy policy adopted by 'PersonalLoanOffers.com' successor organization.

5. YOUR CALIFORNIA PRIVACY RIGHTS Under California's "Shine the Light" law (CA Civil Code 1798.83), California residents who provide personal information to businesses in obtaining products or services for personal, family or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. PersonalLoanOffers.com has elected the second option. To opt-out of having your information shared with third parties, click here and follow the opt-out instructions.

6. SECURITY OF PERSONAL INFORMATION The security of your personal information is important to us; PersonalLoanOffers.com has implemented and maintains reasonable security procedures and practices to protect against the unauthorized access, use, modification, destruction or disclosure of your Personal Information. When you enter sensitive on our registration forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

7. EMAIL COMMUNICATIONS; MARKETING COMMUNICATIONS By submitting a request through the website, you consent to receive certain administrative email communications from PersonalLoanOffers.com. You also consent to receive periodic online and offline marketing communications from PersonalLoanOffers.com. You may opt-out of receiving PersonalLoanOffers.com marketing communications at any time by clicking here and following the opt-out instructions.

8. USER ABILITY TO ACCESS, UPDATE, AND CORRECT PERSONAL INFORMATION You represent and warrant that all information you provide on any application form or otherwise in connection with your use of the Website will be complete and accurate. To confirm the completeness and accuracy of, delete or make changes to, your Personal Information, please email PersonalLoanOffers.com at [email protected]

9. THIRD-PARTY WEBSITES PersonalLoanOffers.com neither owns nor controls Third-Party Websites. Accordingly, Third-Party Websites are under no obligation to comply with this Privacy Policy except with respect to Personal Information provided directly to them by PersonalLoanOffers.com. Before visiting or providing Personal Information to a Third-Party Website, you should inform yourself of the privacy policies and practices (if any) of that Third-Party Website, and should take those steps necessary to, in your discretion, protect your privacy.

10. DATA RETENTION We will retain and use your Personal Information as necessary to comply with our legal obligations, to resolve disputes, and to enforce our agreements.

11. UPDATES AND CHANGES TO PRIVACY POLICY We may update this Privacy Policy to reflect changes to our information practices. If we make any change in how we use your Personal Information we will notify you by means of a notice on this Website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Effective Date: November 14, 2013 Ariel Online, Inc. 401 E. Las Olas Blvd, Suite 130-484, Ft. Lauderdale, FL 33301 [email protected] PersonalLoanOffers.com.

COPYRIGHT WARNING: The legal notices and administrative pages on this website, including this one, have been diligently drafted by an attorney. We at Ariel Online, Inc. have paid to license the use of these legal notices and administrative pages on https://www.personalloanoffers.com for your protection and ours. This material may not be used in any way for any reason and unauthorized use is policed via Copyscape to detect violators.

 

 

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Residents of Arizona, Arkansas, Georgia, New York, North Dakota, Oregon, West Virginia, Connecticut and Washington are not eligible to apply for financing.

The operator of this site is not a direct lender. Financing terms, conditions and policies vary by lender, state and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $25,000 loans, and not all applicants will be approved for their requested lending amounts. Repayment periods vary by lender and state. Lenders may use collection services for non-payment.

Loan terms, conditions and policies vary by lender, state and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Lending extensions and renewals may not be offered by all lenders. Short-term loans are meant for temporary cash needs only and are not intended as a long-term financial solution - please borrow responsibly.

Approvals are not guaranteed and are subject to the borrowing details meeting lender qualification. Repayment period terms and amount are determined by the lender. We attempt to connect individuals with relevant offers subject to the borrowing profile submitted by the consumer. Please note that, while certain lenders may offer up to the advertised maximum loan amount, maximum dollar funding is atypical. Most consumers can expect to qualify for a smaller amount based on qualification.

What is the APR for financing I may get from a lender when connected on this site? PersonaLoanOffers.com is not your direct lender. This site is a lender connecting network that attempts to connect you with internet lenders for your needs. The exact APR your lender may offer you can vary. Your provider must disclose all this information prior to any obligation. Typical representative APR range is somewhere between 261% to 1304% for a short term loan that is intended for 14 days. It is important that you review the specific lending terms offered before you obligate yourself to the terms.

The operator of this website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. The information you submit on this site will be shared with lenders and related service providers in an attempt to find a loan that can work for you. The information you submit on this site will be shared with lenders and related service providers in an attempt to find a loan that can work for you. The information you submit on this site will be shared with lenders and related service providers in an attempt to find a loan that can work for you. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long term solution. Please borrow responsibly!