Terms & Conditions

This Privacy Statement describes how we collect, use and share information obtained by and through our website. The term “Liberty Career Finance” or “Liberty” or “we” or “us” or “our” in this Statement means U.S. affiliates or subsidiaries of Liberty Career Finance linking to this Statement.

Information that you provide to Liberty when you apply for or obtain a product or service from us to be used primarily for personal, family or household purposes is also governed by a separate notice entitled Liberty Career Finance Privacy Policy. If you are such an applicant or customer, please refer to that notice for additional information about our privacy practices.

By using this website or our mobile applications, you agree to the terms and conditions of this Statement

Information We Collect.

We collect general types of information about you when you visit and use our website, including personal information, demographic information, and online/mobile activity information.

Personal information is information that can be used to identify you. This is information which you are prompted to provide to us during the registration process or in customer service communications. This collection includes, but is not limited to, your name, address, telephone number(s), Social Security Number and email address, credit card number(s) or bank account(s). We also obtain your credit report.

Demographic information is information that may or may not be unique to you in the sense that it refers to selected population characteristics. Such information includes your ZIP code, telephone number(s) (including mobile phone type, number(s) and carriers), birth date, gender, salary range, education, marital status, occupation, industry of employment, and personal and online interests.

Online/Mobile Activity Data is information pertaining to how you use our website, the areas of our website that you visit, and what services you access.   This also includes information about your computer hardware and software, including your IP address, geographic location, browser preference, operating system type, domain names, times that you access the internet, social media preferences and other websites you have visited.

Third party information is information about you that we acquire from a third party, which may include personal, demographic, or behavioral information. This information may be combined with the information that we collect from our website.

How We Collect Information

When You Use or Visit Our Website

Liberty may collect information about you when you browse our website or use our online services. We may collect Personal Information when you voluntarily provide it to us through forms on our website or in our mobile applications, such as survey forms, loan applications, contest entries, and login pages for online account management or mobile application access.

“Cookies”, a feature in your browser software, may be used to collect information. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our website and other online tracking devices such as pixel tags and clear GIFs (also known as web beacons) to collect Online/Mobile Activity Data from you depending on your browser settings. Cookies are small text files that a website’s server places on your computer.  Cookies provide a means for websites that you visit to track browsing activities conducted with your computer.  A Web beacon is a small string of software code that represents a graphic image on a website or email.

Liberty may also partner with certain third parties to deliver advertisements and monitor activities on our own website and other websites.   Our partners may use cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors.
When You Use Our Mobile Apps

Additionally, Liberty may collect Online/Mobile Activity Data when you access third party mobile applications or use the browser on your mobile device to access our website.  For example, if you have enabled location services on your mobile device, we may collect geolocation data from your device.

When You Use Our Other Technology Tools

We may also collect Personal Information while monitoring and using our technology tools and services, including our interactive voice response systems. We may collect or receive information about you from other sources, such as keeping the contact details we already hold for you accurate and up to date using publicly available sources.

When You Use Our Social Media Pages

Liberty may establish official pages on social media that will enable consumers and customers to discuss their experiences with our products and services.  We may also partner with companies that operate social media websites through which you may engage with Liberty.  When you interact with us on social media websites we may collect information such as your likes, interests, feedback and preferences. When you interact with our partners, you are subject to their terms of use and privacy policies.  We may collect information from our social media partners, but only if you choose to share with them and they, in turn, share such information with us.  Never include sensitive personal, financial or other confidential information such as your Social Security Number, account number, phone number, mailing address or email address when posting or commenting online. Any posts you make on our official social media pages — including posts that contain pictures, comments, suggestions, opinions, complaints or Personal Information — are available to others who use those pages and are subject to the terms of use and privacy policies of the companies that operate the websites on which they appear. Please refer to the policies of those companies to better understand your rights and obligations regarding such posts.  You are also subject to this Statement and our social media guidelines when you visit our official social media pages.

Cookie Type. We use “session” cookies which are not permanently stored on your hard drive. Session cookies usually expire after inactivity or when you close your browser. Session cookies allow us to keep track of this data until you have completed your search or registration.

Removing Cookies. You can accept, decline or remove cookies, at any time, by modifying your browser settings. Please see the “help” section of your browser or read more about cookies at http://cookiecentral.com.

Web Beacons. We may use electronic images known as Web beacons (sometimes called single-pixel gifs, clear gifs or action tags) which allow us to collect information about your visit to our website, measure and improve the effectiveness of advertisements and track delivery of advertising. Web beacons collect only a limited set of information including a cookie number, time and date of page view, as well as a description of the page on which the Web beacon resides.

Disabling Web Beacons. Because Web beacons are the same as any other content request, you cannot opt out or refuse them. However, they can be rendered ineffective by either opting out of cookies or changing the cookie setup in your browser.

How We Use Information Collected.

Providing Services and Products. We use the information we gather on our website to provide you with the services and or products you have requested. This may include passing your information on to a third party to provide such services or products. Although our contractual arrangement limits how this party can use your information, we do not control the privacy practices of third parties. If you have any questions or wish to remove your information from the third-party databases, you will need to contact that party directly.

Customer Support Services. We will use the information to confirm your registration and complete transactions requested by you or verify information you have provided to us to assist you with any support services you request.