PRIVICA INC. TERMS OF SERVICE

Privica, Inc (“Company” or “we” or “our”), owns and operates the website http://www.privica.com, (the “Site”). Through the Site, Privica operates a prospective customer database (the “Service”), by which it compiles, sorts and process transactions on behalf of consumers who have shown an interest in applying for financial products or services offered by Privica.

Your Privacy is Top Priority

Privica recognizes the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you. Please review our Privacy Policy for more information. To maximize the friendliness our Site usage you do not need to complete any registration forms.

Security

We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information (such as banking transactions) over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Disclosure

As Privica grows, we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that Privica or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of the transferred assets. For more information see our “Notification of Changes” section below.

Finally, Privica reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Company’s rights or property, other visitors, members, or anyone else that could be harmed by such activities. Company also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.

Sharing information with Co-Branded Partners

Some of the services offered on our website may be co-branded with contracted partners. Co-Branded offerings will be identified directly for the product or service. Where a co-branded product or service provider is identified will be provided directly to that provider’s website, not Privica. The Product or Service provider shall control your data once submitted to them. For purposes of identification and tracking, your contact information (name, address, phone, e-mail address, etc.) is shared with Privica.

Site and Service Updates

We will send the user site and service announcement updates. Members are able to unsubscribe from service announcements, which contain information about the service. We also communicate with customers to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.

Correct / Update Information

If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please contact us at customersupport@privica.com or log into your account here on http://www.privica.com.

CALIFORNIA CONSUMER PRIVACY ACT

Do not sell my personal information

These disclosures are required by the California Consumer Privacy Act (“CCPA”) and applies only to users who are California Residents and to “personal information” that is subject to the CCPA. California Residents with disabilities may access this notice by contacting us at  admin@Privica.com  and requesting assistance.

Personal Information Sales Opt-Out and Opt-In Rights

Consumers who opt-in to personal information sales may opt-out of future sales at any time.

To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by visiting the following our webpage and sending us a message.

Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by visiting our website and sending us a message or resubmitting your information.

We will only use personal information provided in an opt-out request to review and comply with the request.

We collect from consumers the following categories of personal information about California consumers:

• Personal and online identifiers, such as name and email address;
• Categories of information described in Section 1798.80(e) of the California Civil Code, such as telephone number;
• Internet or other electronic network activity information, such interactions with our website; and
• Professional or employment-related information.

We use and disclose the personal information we collect for our commercial and business purposes, as further described in our Privacy Policy and Advertising Disclosures. Our commercial purposes include advertising, marketing and matching services with 3rd party providers, while business purposes include, auditing related to our interactions with you; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging; and performing services.

While we may disclose all categories of personal information we collect to our service providers, we do not, and will not, sell personal information under the CCPA.

To opt out, please contact us at admin@Privica.com.

For all requests, you must put the statement “California Shine the Light Privacy Request” in the body of your request, as well as your original information you provided to include your name, phone number, email address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.

To verify your request, we will compare the information you provide in your request to any information we maintain about you. Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled.

You may designate an authorized agent to make a CCPA request on your behalf by designating such an agent in writing or through a power of attorney. We will require the agent to provide us with proof that you have authorized the agent to make the CCPA request on your behalf prior to accepting a request from the agent.

If you ask us to delete certain information, you may no longer be able to access or use the Services.

This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them. View our Advertising Disclosures here

ACCESSIBILITY

Last Update: July 21, 2021

If you have difficulty using or accessing any element of this website, please feel free to contact us and we will work with you to provide the information, item, or transaction you seek through a communication method that is accessible for you consistent with applicable law (for example, through telephone support). Any issues with site accessibility or suggestions on how we can improve our site should be reported to  admin@Privica.com.

Privica.com is committed to ensuring accessibility of its website and intranet to people with disabilities. We endeavor to have new and updated web content produced by our organization to meet WCAG 2.0, Level AA conformance. We are actively taking a variety of steps and devoting resources to continually enhance the accessibility of our website and other technology.

Third-party content providers are aware of our web accessibility policy. Privica.com will also favor providers based on their accessibility conformance claims. Unfortunately, some third-party content on our site, including maps, may not be accessible despite best efforts.

This policy will be reviewed annually on or before September 1st of each year, using the process described at Website Accessibility Conformance Evaluation Methodology. Reviews are the responsibility of the IT department, among others. Accessibility checks will be incorporated into the publishing workflow for all new content. Although we are proud of the efforts that we have completed and that are in-progress, we at Privica.com view accessibility as an ongoing effort.

This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them. View our Advertising Disclosures here

SERVICE PROVIDERS

Last Update: July 21, 2021

Lexxiom, Inc.

Consumer Law Center

Upside Legal, LLC

Philip Sellers, P.C.

Ramsaran Law Group, A Law Firm

This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them. View our Advertising Disclosures here

ADVERTISING DISCLOSURE

Last Update: July 21, 2021

Free Privica.com Services

The offers that you are matched up with are from companies or attorneys/law firms that we may receive compensation from. Based on our initial review of such companies or individuals, we feel comfortable introducing them to our readers. We will not recommend something just because we’re offered payment to endorse or promote it. However, we do recommend that you shop around and compare services and costs with other companies while performing your own due diligence, especially since people’s experiences with companies can change over time.

We may be compensated for the following:

• Referrals to consumers who use the online form or locator line that may provide expert answers to questions;
• Marketing tax resolution, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance;
• Ads served through companies such as Google (We don’t totally control all of the specific ads that appear on our site.);
• Referrals to services that help consumers with tax resolution, credit correction, student loan, consumer law services such as FDCPA and bankruptcy assistance and that may negotiate settlements on their debts.

We are not attorneys, and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies before you hire them. If you are already working with an attorney, we urge you to ask them your questions. After all, they will be familiar with your situation and the laws in your state.

We hope that you find Privica.com helpful in your efforts to get a fresh start.

Personal Loans Advertiser Disclosure

The Personal Loan offers that appear on this site are from companies or affiliates from which Privica.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Privica.com does not include all Personal Loan companies or all types of offers available in the marketplace.

Personal Loan Providers determine the underwriting criteria necessary for approval. You should review each Provider’s terms and conditions to determine which loan works best for you and your own personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s or affiliates discretion. There is never a guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms that were shown.

Be sure to speak with your representative about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. Lenders may charge an origination fee generally around 1% of the amount sought. Be sure to ask up front about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $35,000 may be available through participating lenders or affiliates; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms, and rates offered. In some cases, lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Ask your representative for details.

Credit Card Advertiser Disclosure

The card offers that appear on this site are from companies or affiliate offers from which Privica.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear). Privica.com does not include all card companies or all card offers available in the marketplace.

Credit Card Providers determine the underwriting criteria necessary for approval. You should review each Provider’s terms and conditions to determine which card works for you and your personal financial situation. Information is provided by the Credit Card Providers and is not a guarantee of approval.

All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s discretion. All reasonable efforts are made to provide and maintain accurate information. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown.

All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s discretion. All reasonable efforts are made to provide and maintain accurate information. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown.

See the online Provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the provider’s website.

Business Loans Advertiser Disclosure

Business Loan offers that appear on this site are from companies or affiliates from which Privica.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Privica.com does not include all Business Loan companies or all types of offers available in the marketplace.

Business Loans are those loans that are for commercial use and any property and/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes.

Most of our Business Funding Partners or affiliates, do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements.

There is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Partners determine the underwriting criteria necessary for approval, you should review each Partner’s terms and conditions to determine which business funding option works for your business’s financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Partner’s discretion. There is never a guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. Ask your loan representative for details.

Student Loan Refinancing Advertiser Disclosure

Student loan offers that appear on this site are from companies or affiliates from which Privica.com may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Privica.com does not include all student loan companies or all types of offers available in the marketplace.

Pursuant to the contracts between Privica.com and the Partners or affiliates on its Network, Privica.com may also receive information from the Partner or affiliate regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to the Partner/affiliate’s use of your information will be found in their specific Privacy Policy.

Potential savings may vary based on the interest rates, balances and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the LIBOR (or other index utilized by the lender) rate, and will vary based on applicable terms and presence of a cosigner. Fixed interest rates may be based on applicable terms and presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice and may not be available in all states or for all types of current student loans. Such changes should only apply to applications taken after the effective date of change. Please note: Due to federal regulations, Lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The Lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. Privica.com is not a lender or creditor, it does not offer, extend or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures, please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.

Please Note:

1. Certain federal and private student loans may not be eligible for consolidation/refinance.
2. Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).
3. Consolidation/refinance may lead to other negative results, such as loss of grace periods.
4. Loans in default generally cannot be consolidated until completion of a repayment trial plan so tell your lender if you are in default and determine relevant options (be wary of those asking for upfront fees as well)
5. Other options or programs may fit your needs (i.e. personal loan, debt consolidation and/or debt relief). Consult your financial and/or tax advisor prior to making any decisions.

Privica.com is not a creditor as it does not offer, extend or alter credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with financial products such as mortgages, auto loans, personal loans, student loans, etc. Privica.com does not originate or fund any product it markets; rather it has a network of lenders or Partners/affiliates. You may choose to speak with one or more of these lenders or Partners/affiliates to determine what your actual terms and savings may be. Only a lender can provide you with a formal application for credit, your inquiry form here is merely an expression of interest and/or intent to obtain credit or assistance. You must discuss your actual credit situation and fill out the lender’s required documents prior to obtaining an extension of credit. Network lenders may not have the best or the lowest rates so you are encouraged to continue to shop and compare additional lenders, credit unions, local financial institutions, etc. to ensure you are truly getting your best deal for your situation.

You should contact your tax professional or other financial advisor to determine if you can actually realize savings by refinancing when it can extend the life of your current loan. You should ask the lender about all terms, rates, fees and costs associated with each product and if you will realize a net tangible benefit from the same. All initial estimated savings is done by trying to calculate what your rate may be; however, Privica.com does not have that information and cannot guarantee potential savings or that lenders will approve you for such product that would warrant those savings. Rates are not guaranteed and change daily. Lenders/Brokers/Dealers/Partners that perform the actual underwriting will have to determine if you meet their underwriting criteria which is unknown to Privica.com at the time of matching/offer/quote delivery. All amounts are estimates and examples only and do not represent an actual offer.

This website is intended for informational purposes and as a reference tool to match consumers with companies that may be able to assist them.