We share your personal information with other companies so that they can market their products or services to you. If you do not want us to share your personal information with these companies, contact us at [email protected].
Additionally, We share personal information about you under the following circumstances:
Loan Products or Service Requests – If you submit a request for information about a loan product or service offered through this website, we will share the personal information contained in your request form (such as your full name, address, telephone number, property location, self-assessed value, or Social Security Number(if applicable)) with third parties, which include banks, mortgage lenders and brokers, and lead aggregators (collectively, “Lender” or “Lenders”) in our client network to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with Lenders in our network. For example, we may use your Social Security Number, your Year of Birth, or your personal information to validate your self-reported information and help us better match you with Lenders.
All Providers in our network have entered into agreements with LMB, and are required to comply with federal and state privacy regulations. By submitting your request to LMB, you understand that you are providing express written consent, and Providers may contact you on a recorded line by telephone or mobile device, including SMS and MMS, through automated or prerecorded means, email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. Your consent to be contacted is not required as a condition to purchase a good or service. If one of the Providers contacts you and you wish not to be contacted again by that Provider with respect to your inquiry, then you should specifically make a request to that Provider not to contact you again. Please note that Providers may maintain the information you provided whether you elect to use their services.
For a complete list of licenses and disclosures, please click here
Text Marketing Messages (SMS/MMS). If you opt in to receive marketing and promotional text messages from Us, our affiliates, or third party advertisers, you may receive marketing and promotional text messages regarding financial services and products. To opt-in, you can text message the keyword LowerMyBills to short code 60107 to receive SMS marketing messages from us, our affiliates, or third party advertisers or by submitting a request to be contacted form. Our mobile text messages are intended for subscribers over the age of 18 and are delivered via U.S. short code 60107. By opting in to receive text messages, you acknowledge and agree to the terms and conditions provided in this policy, the LMB Terms of Use and State Privacy Notice. We may use an automatic dialing system to deliver text messages to you. The Federal Communications Commission, (“FCC”), requires prior express written consent to send telemarketing messages using an automatic telephone dialing system. By your opt-in to receive promotional marketing text messages, you give your express written consent to us to use an automatic dialing system to deliver text messages, including SMS/MMS, to the telephone or cell phone number to which you have directed us to transmit these text messages. You may receive up to 5 message(s) per month for financial services products, related services and other opportunities we think will be of interest to you. We do not charge you when you send a text to the short code 60107 or when you receive a response. However, message and data rates may apply depending on the wireless plan that you have with your carrier. You are responsible for managing the types of SMS texts you receive. For help, text HELP to 60107 , email [email protected], or call +1 310-348-6838. You may elect to stop receiving marketing or promotional texts at any time by text messaging STOP to short code 60107. You consent that following such a request to unsubscribe, you may receive one (1) final message from us confirming that you have been inactivated in our system. Following such confirmation message, no additional text messages will be sent unless you provide us your express written consent to receive messages.
Mobile Carriers. The 60107 short code is supported on most U.S. carriers, including but not limited to persons with text-capable phones subscribing to AT&T, Verizon Wireless, T-Mobile®, Sprint. Please note, however, that the supporting mobile carriers may change without notice, and the mobile carriers (for example, T- Mobile) are not liable for delayed or undelivered messages.
Credit Card Requests – If you wish to match to a credit card provider, you will be asked to provide your personal information (such as your full name and home address).
Other Products or Service Requests – If you submit a request for information about a product or service other than a loan such as home improvement, realtor services, Internet access, insurance or long distance service, you will be asked to provide your personal information (such as your full name, address, telephone number and email address). The personal information you submit is collected by LMB and shared with the particular business provider operating the service or providing the product you requested. Where the service is operated by one of our business providers, the collection, use and disclosure of your personal information will be subject to that business providers’ privacy notice. Our business providers may contact you by telephone, email, or regular mail based on the information you provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of our providers contacts you by telephone and you wish not to be contacted again by that business provider with respect to your inquiry, then you should specifically make a request to that provider not to contact you again.
Vendors – We sometimes disclose the information we collect to companies that operate various services for us such as marketing distribution, advertising, processing resumes, or certain product functionalities. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose.
Job Postings and Affiliate Providers– We allow for the online submission of resumes and employment related information. Please note that the information (including personal information) collected through the online job application process on the Career section of our website is not subject to this Privacy Notice. However, we want to assure you that information obtained from our job site will be used solely for the purpose of accepting and evaluating your submission for possible employment and the related purposes described on our Career page.
Affiliate Providers – We may also collect personal and business information submitted through the “Affiliate Program” section of our website. This information submitted through the “Affiliate Program” is not subject to this Privacy Notice. However, the information obtained through the Affiliate Program will be used solely for the purpose of accepting and evaluating your submission as a possible Affiliate Provider.
Subsidiaries, Parent or Sister Companies – We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies to give you more options to your customer requests and provide you better service. For example, we may share your information with LowerMyBills.com. If you do not want your information shared in this manner, please email us at [email protected]
Aggregate, Non-Directly Identifying Information. We may share aggregated information (i.e., information about you and other customers collectively, but not directly and specifically identifiable to you) and other pseudonymized personal information we collect with third parties, including affiliates to develop and deliver targeted advertising on our Site and on the websites of third parties. If you would prefer that we do not utilize cookies with your website experience, or would prefer to restrict the use of cookies with network advertising providers, please see the “Offering You Choices” section below.
As Permitted by Law – – We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar legal process. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of LMB’s Terms of Use, or as otherwise required by law. We may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
Business Transfer – As with any other business, it is possible that LMB in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by LMB, including your personal information, customer and business account information, but would continue to be bound by this Notice unless you consent otherwise. You will be notified via email and/or a prominent notice on our Web site of any change in ownership or material changes to the uses of your personal information, as well as any changes to choices you may have regarding your personal information.
Non-Affiliated Companies: From time to time, we may share your personal information with non-affiliated third parties. For example, we may share personal information to provide a product or service that we feel may be of interest to you. We may also sell or share your personal information to a third party advertiser that will use your personal information for their own marketing purposes.
How We Respond to “Do Not Track” Signals – Some web browsers provide a “Do Not Track” feature that sends a signal to websites you visit that you do not want to have your online activity tracked. We do not respond to Web Browser “Do Not Track” signals at this time.
Push Notifications –If you explicitly consent to receive browser-based push notifications (“Push Notifications”) on LMB, we (directly or by our service provider) will process your IP address and approximate geographical location (country). We will use this information for the purpose of sending you browser notifications on our website(s) as well as third party websites for marketing purposes. Push Notifications may include advertisements from us and/or third party advertisers about products and services you might be interested in. We also send push notifications from third party advertisers about products and services you may be interested in that direct you to a third party website for more information. As a result, third party materials that LowerMyBills does not own or control may be transmitted, stored, accessed or otherwise made available using LMB. Note that we use Pushnami services, which its privacy policy is available here: https://pushnami.com/privacy-policy/.You may unsubscribe from receiving push notifications, at any time, through your standard browser settings.
