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DFS Loans for Everyday Needs is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the DFS Loans for Everyday Needs Web site and governs data collection and usage. By using the DFS Loans for Everyday Needs website, you consent to the data practices described in this statement.

Collection of your Personal Information

DFS Loans for Everyday Needs collects personally identifiable information when you apply for a loan at the DFS Loans for Everyday Needs Web Site, such as your e-mail address, name, home or work address, or telephone number, social security number, driver’s license number, whether you rent or own your home and the length of your occupancy, your employer, and your employer’s contact information, your income, your bank account information, and personal references. DFS Loans for Everyday Needs will use your personally identifiable information for the sole purpose of reviewing and acting upon your application for a loan, and will not share such information with any third party, except as may be required by applicable law.

There is also information about your computer hardware and software that is automatically collected by DFS Loans for Everyday Needs. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by DFS Loans for Everyday Needs for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the DFS Loans for Everyday Needs Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through DFS Loans for Everyday Needs public message boards, this information may be collected and used by others. Note: DFS Loans for Everyday Needs does not read any of your private online communications.

DFS Loans for Everyday Needs encourages you to review the privacy statements of Web sites you choose to link to from DFS Loans for Everyday Needs so that you can understand how those Web sites collect, use and share your information. DFS Loans for Everyday Needs is not responsible for the privacy statements or other content on Web sites outside of the DFS Loans for Everyday Needs and DFS Loans for Everyday Needs family of Web sites.

Use of your Personal Information

DFS Loans for Everyday Needs collects and uses your personal information to operate the DFS Loans for Everyday Needs Web site, process the loan for which you have applied, or deliver to you other products or the services you may have requested from DFS Loans for Everyday Needs. DFS Loans for Everyday Needs also uses your personally identifiable information to inform you of other products or services available from DFS Loans for Everyday Needs and its affiliates. DFS Loans for Everyday Needs may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

DFS Loans for Everyday Needs does not sell, rent or lease its customer lists to third parties. DFS Loans for Everyday Needs may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party without your express authorization. In addition, DFS Loans for Everyday Needs may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to DFS Loans for Everyday Needs, and they are required to maintain the confidentiality of your information.

DFS Loans for Everyday Needs does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

DFS Loans for Everyday Needs keeps track of the Web sites and pages our customers visit within DFS Loans for Everyday Needs, in order to determine what DFS Loans for Everyday Needs services are the most popular. This data is used to deliver customized content and advertising within DFS Loans for Everyday Needs to customers whose behavior indicates that they are interested in a particular subject area.

DFS Loans for Everyday Needs Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) comply with applicable law or with legal process served on DFS Loans for Everyday Needs or the Web Site; (b) protect and defend the rights or property of DFS Loans for Everyday Needs; and, (c) act under exigent circumstances to protect the personal safety of users of DFS Loans for Everyday Needs, or the public.

Use of Cookies

The DFS Loans for Everyday Needs Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize DFS Loans for Everyday Needs pages, or register with the DFS Loans for Everyday Needs Web Site, a cookie helps DFS Loans for Everyday Needs to recall your specific information on subsequent visits. This simplifies the process of recording any of your personal information that is necessary to facilitate your use of the DFS Loans for Everyday Needs Web Site.. When you return to the same DFS Loans for Everyday Needs Web site, the information you previously provided can be retrieved, which enables you to use the DFS Loans for Everyday Needs features that you previously customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the DFS Loans for Everyday Needs Web Site.

Security of your Personal Information

DFS Loans for Everyday Needs secures your personal information from unauthorized access, use or disclosure. DFS Loans for Everyday Needs secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When your personal information (such as a social security or bank account number) is transmitted to the DFS Loans for Everyday Needs Web Site, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

DFS Loans for Everyday Needs will occasionally update this Statement of Privacy to reflect company and customer feedback. DFS Loans for Everyday Needs encourages you to periodically review this Statement to be informed of how DFS Loans for Everyday Needs is protecting your information.

Contact Information

DFS Loans for Everyday Needs welcomes your comments regarding this Statement of Privacy. If you believe that DFS Loans for Everyday Needs has not adhered to this Statement, please contact DFS Loans for Everyday Needs at ifelner@barrmgmt.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.