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100    <h1>Contact Us</h1>
101    <p>To unsubscribe, please visit our
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103    <p>For questions, please visit our
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224        <p>
225	<strong>Important Disclosures. Please Read Carefully.</strong>
226</p> 
227<p> Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice. 
228</p> 
229<p> This website is not an offer to lend. brainparad.com is not a lender or lending partner and does not make loan or credit decisions. brainparad.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. brainparad.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. brainparad.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, brainparad.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. 
230</p> 
231<p> This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where brainparad.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. 
232</p> 
233<p> By submitting your information via this website, you are authorizing brainparad.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize brainparad.com to share your information and credit history with a network of approved lenders and lending partners. 
234</p> 
235<p>Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria. 
236</p> 
237<p> Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78 Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months. 
238</p> 
239<p>
240	<strong>Lender’s or Lending Partner’s Disclosure of Terms.</strong>
241</p> 
242<p> The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. brainparad.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. 
243</p> 
244<p>
245	<strong>Late Payments Hurt Your Credit Score</strong>
246</p> 
247<p> Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments. 
248</p> 
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256      <span class="logo__txt">brainparad.com</span>
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260          Copyright &copy;
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292<div data-popup-body="TermsOfUse" style="display: none;visibility: hidden;">
293  <div class="wysiwyg">
294    <h1>Terms of Use</h1>
295<p>brainparad.com doing business as
296  <span>brainparad.com</span> (“
297  <span>brainparad.com</span>” or “we” or “our”), owns and operates the website located at
298  <span>brainparad.com</span> (the “Site”).
299  <span>brainparad.com</span> provides and maintains this Site for your information, conditioned on your acceptance, without
300  modification, of the terms, conditions and notices contained in these Terms of Use and in our Privacy Policy. By accessing
301  and using the Site, you accept and agree without limitation to the following:</p>
302<h2>Products and Services</h2>
303<p>
304  <span>brainparad.com</span> is not a lender and is not responsible for any lending product advertised or offered to you,
305  or for any credit decisions made about you. No specific loan products are offered to you on this Site. Specific loan products
306  are offered to you directly by the lender.</p>
307<h2>Esign Consent</h2>
308<p>You agree that clicking “Get Cash Now” (or other such button you use to submit your loan request) acts as your electronic
309  signature. You further consent that we and any lender we share your request with can communicate with you electronically
310  and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse
311  action that a lender is required send to you. You also confirm that you have the ability to access documents electronically,
312  including the ability to view and save PDF files.</p>
313<h2>Loan Inquiry Policy</h2>
314<p>
315  <span>brainparad.com</span> reserves the right to reject your inquiry at any time for any reason not prohibited by law.
316  <span>brainparad.com</span> may require additional information or verification before your loan request is accepted. When
317  you submit your information through a form on our Site, you will be connected with a lender for further consideration based
318  on the lender’s policies and procedures. This does not mean your loan has been approved. Loan approval is solely the lender’s
319  decision.
320  <span>brainparad.com</span> is not responsible for taking, approving or denying your loan request. By submitting your information,
321  you agree that if we cannot find a lender that can offer you the type of loan you initially requested, we will search our
322  network of lenders and lending partners to see if we can find other lenders and lending partners with different loan products
323  to help you.</p>
324<h2>Credit References</h2>
325<p>Participating lenders and lending partners may verify your social security number, driver’s license number or other federal
326  or state identification, as well as review your credit worthiness through national databases that may include Equifax,
327  Transunion, Experian and other credit bureaus. By submitting your information to us, you agree that lenders and lending
328  partners may obtain such credit reports and verify your information.</p>
329<h2>Restrictions</h2>
330<p>You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this
331  Site for any illegal or inappropriate activities.</p>
332<h2>Compliance With Laws</h2>
333<p>You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of this Site and your
334  acceptance or purchase of products or services through any of this Site’s third party vendors.
335  <span>brainparad.com</span> may, in its sole discretion, report actual or perceived violations of law to law enforcement
336  or other authorities. If we become aware of any potential or suspected violation of these Terms of Use or our Privacy Policy,
337  we may (but are not obligated to) conduct an investigation to determine the nature and extent of the suspected violation
338  and the appropriate enforcement action to be taken. During such investigation, we may suspend services to any customer
339  being investigated and may delete data from our servers in order to prevent or minimize further violations. You agree to
340  cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject
341  you to criminal or civil penalties.</p>
342<h2>Intellectual Property</h2>
343<p>The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and
344  images appearing on this Site is the intellectual property of
345  <span>brainparad.com</span>, its licensees, or other third parties who have authorized use of such properties on the Site.</p>
346<p>You have permission to view and make copies of documents, pages, images or other materials or content on this site for the
347  sole purposes of requesting a loan.
348  <span>brainparad.com</span> reserves all other rights in this Site and its contents. You may not distribute, display, transmit
349  or disseminate any documents, pages, images, materials or content without our prior written consent. Nothing contained
350  on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property
351  right.</p>
352<h2>Limitation of Liability and Disclaimer of Warranties</h2>
353<p>
354  <span>brainparad.com</span> uses commercially reasonable efforts to ensure that the information on this Site is accurate,
355  but accuracy is not guaranteed.
356  <span>brainparad.com</span> makes no representations regarding your use of this Site or results that you may or may not obtain
357  through such use.</p>
358<p>NEITHER
359  <span>brainparad.com</span> NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR
360  ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF,
361  THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING
362  BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE
363  EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.</p>
364<h2>Third Party Content</h2>
365<p>This Site may contain links to websites maintained by third parties.
366  <span>brainparad.com</span> is not responsible for the content or privacy policies of third party websites, and the existence
367  of such links should not be considered an endorsement or recommendation of those websites, the product or service offered
368  or any third parties associated with those websites.</p>
369<h2>Privacy</h2>
370<p>
371  <span>brainparad.com</span>’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied
372  through this Site. The Privacy Policy sets out your rights and our responsibilities regarding your personal information.
373  <span>brainparad.com</span> will not use your information in any way inconsistent with the purposes and limitations provided
374  in the Privacy Policy.
375  <span>brainparad.com</span> reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice
376  to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Site signifies your
377  acceptance of such modifications.</p>
378<h2>Security</h2>
379<p>
380  <span>brainparad.com</span> uses industry-recognized technology to protect your personal information. Although
381  <span>brainparad.com</span> takes commercially reasonable measures to secure your personal information submitted through
382  this Site,
383  <span>brainparad.com</span> cannot guarantee that your information will not be intercepted or decrypted by others. So long
384  as
385  <span>brainparad.com</span> uses commercially reasonable security measures, it accepts no responsibility for such interception
386  or decryption except as required by law.</p>
387<h2>Site Use</h2>
388<p>
389  <span>brainparad.com</span> does not charge you any fees for your use of this Site or our marketplace service.
390  <span>brainparad.com</span> is not acting as an agent for (1) you, (2) any lender or (3) any supplier or vendor used in the
391  evaluation of your loan inquiry or other use of this Site.
392  <span>brainparad.com</span> may receive compensation from lenders and lending partners and other third parties for its services.</p>
393<h2>Law and Venue</h2>
394<p>
395 This Site is owned and operated by [Add your company here]. By using or engaging with this Site in any way, you consent to the laws and jurisdiction of the State of Nevada. These Terms of Use and the and Privacy Policy also will be governed by and construed in accordance with the laws of Nevada, without regard to conflict of law provisions. Any legal action brought against this Site (which must be via binding arbitration as set forth below) will be governed by the laws of the Nevada and you agree that the sole jurisdiction and venue for disputes resolution will be in Clark County, Nevada. </p>
396<h2>Binding Arbitration</h2>
397<p>Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of
398  your dealings
399  <span>brainparad.com</span> or with any lender you borrow from as a result of
400  <span>brainparad.com</span>’s service, those issues shall be decided by binding arbitration. Arbitration proceeding shall
401  be conducted under the applicable rules of the American Arbitration Association or JAMS in Clark County, Nevada. The decision
402  of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost
403  of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred
404  in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.</p>
405<h2>Modification</h2>
406<p>
407  <span>brainparad.com</span> reserves the right to modify these Terms of Use from time to time and without notice to you.
408  Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.</p>
409<h2>Indemnification</h2>
410<p>By using this Site, you agree to indemnify, defend and hold harmless
411  <span>brainparad.com</span>, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss,
412  liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your
413  use or attempted use of the Site.</p>
414<h2>Violation of the terms of use</h2>
415<p>By using the Site, you understand and agree that
416  <span>brainparad.com</span> in its sole discretion and without prior notice may terminate your access to this Site and to
417  any services offered, and may remove any content you have provided if
418  <span>brainparad.com</span> believes that such content violates or is inconsistent with these Terms of Use or the Privacy
419  Policy or their intent, or that such content may be disruptive, offensive or in violation of applicable laws.</p>
420<h2>Class Action Waiver</h2>
421<p>ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS.
422  NEITHER YOU NOR
423  <span>brainparad.com</span> WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN
424  ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING
425  WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS.
426  FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS
427  A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT
428  IN A REPRESENTATIVE CAPACITY. THIS CLASS ACTION WAIVER MAY BE LIMITED BY APPLICABLE LAW, BUT IS INTENDED TO BE ENFORCED
429  TO THE FULL EXTENT ALLOWED BY LAW.</p>
430<h2>Miscellaneous</h2>
431<p>Any reference to
432  <span>brainparad.com</span> includes brainparad.com. All rights not expressly granted to you are reserved to
433  <span>brainparad.com</span>
433. The headings used in these Terms of Use are intended for convenience only, and shall not affect
434  the construction and interpretation thereof.
435  <span>brainparad.com</span>’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall
436  not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to
437  be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision
438  of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute
439  the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes
440  and replaces any and all prior written or oral agreements related to the subject matter hereof.</p>
441<h2>Contact Information:</h2>
442<p>
443  Company name: brainparad.com
444  <br> Email Address:
445  <span><a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="1c6f696c6c736e685c7e6e7d75726c7d6e7d78327f7371">[email&#160;protected]</a></span>
446</p>
447<p>
448  <strong>INFORMATION FOR ISPs:</strong>
449</p>
450<p>
451  Website: www.
452  <span>brainparad.com</span>
453  <br> Company name: brainparad.com
454  <br> Email Address:
455  <span><a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="afdcdadfdfc0dddbefcdddcec6c1dfceddcecb81ccc0c2">[email&#160;protected]</a></span>
456</p>
457<p>PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY.
458  <span>brainparad.com</span> IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.</p>
459<p>Notice and Take Down Procedures</p>
460<p>If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may
461  request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below)
462  and providing the following information:</p>
463<ol>
464  <li>Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include
465    a copy or the location (for example, the URL) of an authorized version of the work.</li>
466  <li>Identification of the material that you believe to be infringing and its location. Please describe the material, and provide
467    a URL or any other pertinent information that will allow location of the material.</li>
468  <li>Your name, address, telephone number and email address.</li>
469  <li>A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner,
470    its agent, or the law.</li>
471  <li>A statement that your submission is accurate and that "under penalty of perjury" you are the copyright owner or the owner’s
472    authorized agent.</li>
473  <li>A signature or the electronic equivalent from the copyright holder or authorized agent.</li>
474</ol>
475<p>Send the above information to:</p>
476<p>
477  Legal Department
478  <br> brainparad.com
479  <br> Email Address:
480  <span><a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="5b282e2b2b34292f1b39293a32352b3a293a3f75383436">[email&#160;protected]</a></span>
481</p>
482<p>For all email submissions, please include the subject line: DMCA Takedown Request.</p>
483  </div>
484</div>
485<div data-popup-body="PrivacyPolicy" style="display: none;visibility: hidden;">
486  <div class="wysiwyg">
487    <h1>Privacy Policy</h1>
488<table class="rates-table privacy-table">
489  <tbody>
490    <tr>
491      <th>
492        <strong>FACTS</strong>
493      </th>
494      <td>
495        WHAT DOES
496        <span>brainparad.com</span> DO WITH YOUR PERSONAL INFORMATION?
497      </td>
498    </tr>
499    <tr>
500      <th>
501        <strong>Why?</strong>
502      </th>
503      <td>
504        Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some
505        but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
506        Please read this notice carefully to understand what we do.
507      </td>
508    </tr>
509    <tr>
510      <th>
511        <strong>What?</strong>
512      </th>
513      <td>
514        The types of personal information we collect and share depend on the product or service you have with us. This information
515        can include:
516        <ul>
517          <li>Social Security number and checking account information</li>
518          <li>Transaction history and income</li>
519          <li>Credit history and account balances</li>
520        </ul>
521      </td>
522    </tr>
523    <tr>
524      <th>
525        <strong>How?</strong>
526      </th>
527      <td>
528        All financial companies need to share customers’ personal information to run their everyday business. In the section below,
529        we list the reasons financial companies can share their customers’ personal information; the reasons
530        <span>brainparad.com</span>
531        chooses to share; and whether you can limit this sharing.
532      </td>
533    </tr>
534  </tbody>
535</table>
536
537<table class="rates-table privacy-table">
538  <tbody>
539    <tr>
540      <th>
541        Reasons we can share your personal information
542      </th>
543      <th>
544        Does
545        <span>brainparad.com</span> share?
546      </th>
547      <th>
548        Can you limit this sharing?
549      </th>
550    </tr>
551    <tr>
552      <td>
553        <strong>For our everyday business purposes</strong> – such as to process your transactions, maintain your account(s), respond
554        to court orders and legal investigations, or report to credit bureaus
555      </td>
556      <td>
557        Yes
558      </td>
559      <td>
560        No
561      </td>
562    </tr>
563    <tr>
564      <td>
565        <strong>For our marketing purposes</strong> – to offer our products and services to you</td>
566      <td>
567        Yes
568      </td>
569      <td>
570        No
571      </td>
572    </tr>
573    <tr>
574      <td>
575        <strong>For joint marketing with other financial companies</strong>
576      </td>
577      <td>
578        Yes
579      </td>
580      <td>
581        No
582      </td>
583    </tr>
584    <tr>
585      <td>
586        <strong>For our affiliates’ everyday business purposes</strong> – information about your transactions and experiences
587      </td>
588      <td>
589        Yes
590      </td>
591      <td>
592        No
593      </td>
594    </tr>
595    <tr>
596      <td>
597        <strong>For our affiliates’ everyday business purposes</strong> – information about your creditworthiness
598      </td>
599      <td>
600        Yes
601      </td>
602      <td>
603        Yes
604      </td>
605    </tr>
606    <tr>
607      <td>
608        <strong>For our affiliates to market to you</strong>
609      </td>
610      <td>
611        Yes
612      </td>
613      <td>
614        Yes
615      </td>
616    </tr>
617    <tr>
618      <td>
619        <strong>For nonaffiliates to market to you</strong>
620      </td>
621      <td>
622        Yes
623      </td>
624      <td>
625        Yes
626      </td>
627    </tr>
628  </tbody>
629</table>
630
631<table class="rates-table privacy-table">
632  <tbody>
633    <tr>
634      <th>To limit our sharing</th>
635      <td>
636        <ul>
637          <li>To limit sharing, please use this <a href="/Unsubscribe">Unsubscribe Link</a>.
638            </li>
639         
640        </ul>
641        <strong>Please note:</strong>
642        <p>If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When
643          you are no longer our customer, we continue to share your information as described in this notice.</p>
644        <p>However, you can contact us at any time to limit our sharing as noted above.</p>
645      </td>
646    </tr>
647    </tbody>
648</table>
649
650<table class="rates-table privacy-table">
651  <tbody>
652    <tr>
653      <th colspan="2">
654        Who are we
655      </th>
656    </tr>
657    <tr>
658      <td>
659        Who is providing this notice?
660      </td>
661      <td>
662        brainparad.com (dba
663        <span>brainparad.com</span>)
664      </td>
665    </tr>
666    <tr>
667      <th colspan="2">
668        What do we do
669      </th>
670    </tr>
671    <tr>
672      <td>
673        <strong>How does
674          <span>brainparad.com</span> protect my personal information?</strong>
675      </td>
676      <td>
677        To protect your personal information from unauthorized access and use, we use security measures that comply with federal
678        law. These measures include computer safeguards and secured files and buildings.
679      </td>
680    </tr>
681    <tr>
682      <td>
683        <strong>How does
684          <span>brainparad.com</span> collect my personal information?</strong>
685      </td>
686      <td>
687        We collect your personal information, for example, when you
688        <ul>
689          <li>Submit a loan request</li>
690          <li>Provide your contact information</li>
691          <li>Request help obtaining a loan</li>
692        </ul>
693        <span class="hidden-part">We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.</span>
694      </td>
695    </tr>
696    <tr>
697      <td>
698        <strong>Why can’t I limit all sharing?</strong>
699      </td>
700      <td>
701        Federal law gives you the right to limit only
702        <ul>
703          <li>Sharing for affiliates’ everyday business purposes – information about your creditworthiness</li>
704          <li>Affiliates from using your information to market you</li>
705          <li>Sharing for nonaffiliates to market you</li>
706        </ul>
707        State laws and individual companies may give you additional rights to limit sharing.
708      </td>
709    </tr>
710    <tr>
711      <td>
712        <strong>What happens when I limit sharing for an account I hold jointly with someone else?</strong>
713      </td>
714      <td>Your choices will apply to everyone on your account.</td>
715    </tr>
716    <tr>
717      <th colspan="2">Definitions</th>
718    </tr>
719    <tr>
720      <td>
721        <strong>Affiliates</strong>
722      </td>
723      <td>Companies related by common ownership or control. They can be financial and n
723onfinancial companies.</td>
724    </tr>
725    <tr>
726      <td>
727        <strong>Nonaffiliates</strong>
728      </td>
729      <td>Companies not related by common ownership or control. They can be financial and nonfinancial companies.</td>
730    </tr>
731    <tr>
732      <td>
733        <strong>Joint Marketing</strong>
734      </td>
735      <td>A formal agreement between nonaffiliated financial companies that together market financial products or services to
736        you.</td>
737    </tr>
738  </tbody>
739</table>
740
741<table class="rates-table privacy-table">
742  <tbody>
743    <tr>
744      <th>Other important information</th>
745    </tr>
746    <tr>
747      <td>
748        <p>Material changes to this Privacy Policy will be posted here and are deemed effective upon posting and without additional
749          notice to you. We do not maintain a process for consumers to review and request changes to any personally identifiable
750          information that is collected here.</p>
751        <p>
752          <strong>Vermont residents:</strong> We will not disclose information about you with affiliates or non-affiliated, third
753          party companies or financial institutions, other than as required or permitted by law, without your express permission.</p>
754        <p>
755          <strong>California residents:</strong> We will not share information we collect about you with affiliated or non-affiliated
756          third parties, except in the limited circumstances permitted under state law, or if you give us your permission
757          (i.e., via a request form). Also please note that in order to provide better services to consumers, when we receive
758          a Do Not Track signal, we may ignore such signals. Other parties may collect personally identifiable information
759          about an individual consumer’s online activities over time and across different web sites when a consumer uses
760          our website or service.</p>
761        <p>
762          <strong>North Dakota residents:</strong> We will not disclose information about you with non-affiliated, third party companies
763          or financial institutions, other than as required or permitted by law, without your express permission.</p>
764        <p>
765          <strong>Nevada residents:</strong> If you would like more information regarding this notice or Nevada’s law regarding corporate
766          do-not-call registries, you can contact us at the toll-free number or address included in this notice or the Bureau
767          of Consumer Protection, Office of the Nevada Attorney General at 555 E. Washington Street, Suite 3900, Las Vegas,
768          Nevada 89101; Phone: (702)486-3132; Email: <a href="/cdn-cgi/l/email-protection" class="__cf_email__" data-cfemail="b4f6f7e4fdfaf2fbf4d5d39ac7c0d5c0d19adac29ac1c7">[email&#160;protected]</a>.</p>
769        <p>
770          <strong>Effective Date:</strong> The privacy policy was last updated June 13, 2018.</p>
771      </td>
772    </tr>
773  </tbody>
774</table>
775  </div>
776</div>
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