Mariner Finance Website Privacy Statement
Effective: December 2019
Last Updated: July 20, 2020
Table of Contents:
- Collection, Use, and Disclosure of Personal Information
- Collection, Use, and Disclosure of Other Information
- Changes to Your Information
- Changes to Privacy Statement
- Mariner Finance Contact Information
- Additional Privacy Information for California Residents
- COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION
This Site collects personal information about you that is provided through various forms and in various places on the Site, including by entering it via an online form, over the phone, and by any other means through which you interact with our services. Personal information includes information that identifies, relates to, describes, references, or is capable of being associated with a particular consumer or household and may include information such as your name, address, telephone number, mobile number, email address, and Social Security Number.
You are responsible for ensuring that any personal information you provide is truthful, accurate and up-to-date. We will collect and store personal information you decide to provide to us for our records, but we are not liable to you if the information you provide is not accurate. You agree that we may use any of your personal information that you provide to us to communicate with you. Additionally, if you apply for a loan on the Site, you must truthfully and accurately complete our online application, which includes your provision of personal information. Accurate, up-to-date information is necessary to view your credit history, process your application, and to contact you.
Mariner takes various precautions to safeguard your personal information against loss, theft, and misuse as well as unauthorized access, disclosure, alteration, and destruction. For example, all online applications are encrypted to maintain the security of your information. Once received, your personal information is stored in the United States in accordance with United States law.
As permitted by law, Mariner may disclose all categories of personal information that it has collected to third parties in accordance with our Privacy Notice (located at the bottom of this page), as needed to assist in administering our services and marketing activities, as required by law, as necessary to protect our rights (such as if you fail to repay a loan), as necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person, as required to comply with a judicial proceeding, court order, or legal process served on us, and/or as specifically consented to by you.
Third parties may also collect personal information about your online activities through the Site in order to assist Mariner in offering its services and products, marketing, and administration of the same. Additionally, we may disclose your personal information for a business purpose to a third party with whom we have entered into a contract that describes such a purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
- COLLECTION, USE AND DISCLOSURE OF OTHER INFORMATION
The Site may gather other information about you depending on how your browser is configured. That information may include the Internet Protocol (IP) address(es) used to access the Site, the number of times you visit the Site, the time and length of the visit, the operating system and browser type used to access the Site, your screen resolution, the particular web pages viewed right before and while visiting the Site, how long you remain on specific pages, your navigation patterns, where you go upon leaving the Site, or similar details.
Non-personal information collected as a result of your visit to the Site may be disclosed to third parties, but will not be associated with you personally. In other words, the Site may disclose that a unique user accessed the Site a particular number of times and spent specific amounts of time on different pages, but we will not disclose the identity of that user (and most likely would have no way of identifying who that user was unless the user voluntarily identified him or herself to us).
Some web browsers have a “Do Not Track” function that allows you to tell websites that you do not want to have your online activities tracked. The Site does not monitor or respond to “do not track” signals or similar mechanisms.
To prevent unauthorized access to your personal data, maintain data accuracy and integrity, and ensure the correct use of information, Mariner follows generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
- CHANGES TO YOUR INFORMATION
You may request access to and/or to change your personal information by contacting Mariner’s Customer Relations at the following phone number or postal address: 877-310-2373, option 3, or Mariner Finance, LLC, Attn.: Customer Relations, 8211 Town Center Drive, Nottingham, MD 21236. If you currently have an account with Mariner, you may log into the Customer Account Center to review and/or edit your profile.
California residents: Please refer to section 7 below for additional information.
- CHANGES TO PRIVACY STATEMENT
Mariner reserves the right at any time and from time to time to modify this Privacy Statement with or without notice. You will be bound by the modifications if you use the Site after a modification has been made. You agree that Mariner shall not be liable to you or to any third party in any way as a result of any such modification. If you do not agree to any changes or terms, you should discontinue your use of the Site.
- MARINER FINANCE CONTACT INFORMATION
If you have any questions or comments regarding this Privacy Statement, please contact Customer Relations at 877-310-2373.
- ADDITIONAL PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS
Pursuant to the California Consumer Privacy Act (“CCPA”), California residents have specific rights regarding their personal information, which are detailed below. This California-specific privacy section incorporates by reference Mariner’s general Privacy Statement and provides a comprehensive description of our online and offline practices regarding the collection, use, and disclosure of personal information.
Note that the rights set forth under the CCPA do not apply to:
- Personal information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulations, or the California Financial Information Privacy Act;
- An activity involving the collection, maintenance, disclosure, sale, communication, or use of any personal information bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living by a consumer reporting agency by a furnisher of information who provides information for use in a consumer report and by a user of a consumer report; and
- Personal information that is collected by us about a natural person in the course of the natural person acting as a job applicant to, an employee of, owner of, director of, officer of, medical staff member of, or contractor of us to the extent that the natural person’s personal information is collected and used by the business solely within the context of the natural person’s role or former role as a job applicant to, an employee of, owner of, director of, officer of, medical staff member of, or a contractor of Mariner.
Categories of Personal Information Collected
We currently collect and, in the 12 months prior to the Last Updated date of this Privacy Statement, have collected the following categories of Personal Information about California residents:
- Category A: Identifiers – Examples: Your real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
- Category B. Customer Records with Personal Information – Any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Note: Some personal information included in this category may overlap with other categories.
- Category C. Protected classification characteristics under State or federal law. Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, sex (including gender, gender identity, veteran or military status).
- Category D: Commercial information. Examples: Information including, but not limited to, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- Category E: Internet or other similar network activity. Examples: Information including, but not limited to, browsing history, search history, information regarding a consumer’s interaction with a website, application, or advertisement
- Category F: Professional or employment-related information. Examples: Current or past job history and/or performance evaluations.
- Category G: Inferences drawn from other personal information. Examples: Information that can be used to create a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
We have collected the above categories of personal information from the following sources:
- Directly from our customers or their agents.
- Indirectly from our customers or their agents. For example, through information we collect in the course of providing services to our customers.
- Directly and indirectly from activity on the Site. For example, from submissions through our online loan application, Customer Account Center, and/or website usage details collected automatically.
- From third parties that interact with us in connection with the services we perform.
We collected the above Personal Information for the following business or commercial purposes:
- For auditing purposes related to our customer relationships, including, but not limited to, verifying the quality of ad impressions and auditing our compliance with applicable law;
- For detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
- For debugging activities to identify and repair errors that impair Site functionality;
- For short-term use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer;
- For performing services for Mariner or on behalf of a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of Mariner or a service provider;
- For internal research for technological development; and
- For use in activities to verify or maintain the quality or safety of Mariner’s services, and to improve, upgrade, or enhance such services.
Disclosure and Sale of Personal Information
In the 12 months preceding the Last Updated Date of this Privacy Statement, we disclosed for a business purpose the categories of personal identified above to the following categories of third parties:
- Our affiliates;
- Our service providers; and
- Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
Mariner does not offer any financial incentives for the collection, sale, or deletion of personal information.
In the preceding twelve (12) months, we have not sold any personal information.
We do not knowingly sell the Personal Information of minors under 16 years of age.
Access to Specific Information
California residents have the right to request that we disclose certain information about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we collected about you.
- If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- For sales of personal information, the personal information categories that each category of recipient purchased; and
- For disclosures of personal information for a business purpose, the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
Please note, however, that we may deny your deletion request if retaining the information is necessary for us or our service providers to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Right to Opt-Out of Sales:
You have the right, at any time, to direct us not to sell your personal information to a third party. This right may be referred to as the right to opt-out. Mariner does not currently sell personal information. However, you may exercise your right to opt out of sales in the event that Mariner subsequently decides to sell personal information that is subject to the CCPA. If Mariner elects in the future to sell personal information and if we at any time receive direction from you not to sell your personal information, we will not sell your personal information that is subject to the CCPA, if any, unless you subsequently provide express authorization for such sales.
Exercising Your Rights:
To exercise your access and deletion rights described above, please submit a verifiable consumer request to us by either:
- Calling us at 877-310-2373, select option 3. Available Monday through Friday, 8:30 am EST to 5:00 pm EST, excluding observed holidays.
- Filling out an online request at any time by clicking HERE.
To exercise your right to opt- out of the sale of your personal information to a third party, please call us at 877-310-2373, select option 3 or click the following link: Do Not Sell my Personal Information.
If you are submitting a request on behalf of a California resident, please submit the request through one of the designated methods discussed above. Please attach a written authorization signed by the California resident authorizing you to make the request on their behalf.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 calendar days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data access requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is manifestly unfounded or excessive, for example, because of a repetitive nature. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
We will not discriminate against you for exercising any of your CCPA rights.
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†We offer personal loans from $1,000 to $25,000, with loans terms from 12 to 60 months. Minimum and maximum amounts dependent on an applicant’s state of residence and the underwriting of the loan. Loans between $1,500 and $15,000 may be funded online. Loans greater than $15,000 or less than $1,500 are funded through our branch network. Specific interest rates and fees are determined as permitted under applicable state law and depend upon loan amount, term, and the applicant’s ability to meet our credit criteria, including, but not limited to, credit history, income, debt payment obligations, and other factors such as availability of collateral. Not all rates and loan amounts are available in all states. Additional fees may apply to some loan offers; some state required and/or permitted fees may be treated as prepaid finance charges. Any such charges shall be in addition to the loan amount requested and/or approved and shall be fully disclosed to the applicant on his/her loan agreement. Not all applicants will qualify for the lowest rates or larger loan amounts, which may require a first lien on a motor vehicle not more than ten years old titled in the applicant’s name with valid insurance. Our loan by phone and online closing process requires a compatible mobile or computer device on which you can access your email and electronic documents. Not all loan types are eligible for loan by phone or online loan closing.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. As a result, under our customer identification program, we must ask for your name, street address, mailing address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
For any stated annual percentage rate (“APR”), the APR represents the cost of credit as a yearly rate and will be determined based upon an applicant’s credit at the time of application, subject to state law limits. A range of APR’s may be applicable, subject to state law limits and individual underwriting. Not all applicants will qualify for a lower rate. APR’s are generally higher on loans not secured by a vehicle, and the lowest rates typically apply to the most creditworthy borrowers. All terms and conditions of a loan offer, including the APR, will be disclosed during the application process. As an example, with an amount financed of $5,000.00 the borrower receives $5,000.00 at an APR of 29.99% and an interest rate of 28.77% which includes a finance charge of $3,640.96. Under these terms, the borrower would make 48 monthly payments of $180.02, for a total of payments of $8,640.96. The amount financed may not be the net proceeds paid if charges other than interest are included in the loan.
*The process uses a “soft” credit inquiry to determine whether a loan offer is available, which does not impact your credit score. If you continue with the application process online and accept a loan offer, or are referred to a branch and continue your application there, we will pull your credit report and credit score again using a “hard” credit inquiry. This “hard” credit inquiry may impact your credit score.