Welcome to Pheabs.com (hereinafter “Company”).
While the Company do everything possible to try and keep Your personal information and data protected, You agree that the Company are not to be held responsible for marketing communications You may get from third party lenders, non-affiliated third parties and loan connecting services that result from using the Company’s services. The Company have no control over how such parties use Your information and data once we have submitted Your application.
The Company comply with the requirements of the OLA, indicating that all guidelines related to accountability, transparency, and the choice in both collecting and distributing Your information have been met. The aforementioned requirements relate specifically to the information the Company collect throughout the Service, and therefore does not apply to the information collected by lenders, third party websites, or the other connecting services.
By giving Your information to the Company, You are consenting to the Company contacting You, in addition to our third party affiliates. This will be the case regardless of any “Do-Not-Call” Registry status. If You feel that any party is abusing Your information or data, please contact us to discuss this further.
The Company’s Service will collect certain types of information from You, including “personally identifiable information” as well as “non-personally identifiable information”.
Personally Identifiable Information, information that could identify a person, is collected when You provide such information to the Company. This is provided when You use our services, an example being when You complete a stage in our submission form.
There are a numerous different types of personally identifiable information the Company can collect about you, including the following:
- Your name
- Your date of birth
- Your contact information (e.g. telephone numbers, home and email addresses)
- Your driver’s license
- Your Social Security number
- Your citizenship
- Information relating to your employment
- Your financial details.
Collection of this type of information enables the Company to provide certain services for You, as well as customer support. This information also helps the Company to collect enough information for our lenders to properly review your application for suitability for borrowing.
Your social security number and financial information may be reviewed by the Company or used to help connect You to the participating lenders within the Company’s loan network, alongside other third party lenders the Company hold a business relationship with.
Your financial information and social security number may also be reviewed to help verify your identity – helping work towards preventing fraudulent transactions.
The personally identifiable information collected also enables the Company to get in touch with You regarding certain services and products You may be interested in – either offered by the Company, the Company’s marketing partners or other third parties. The Company will get in touch with you for this purpose through mobile devices, email, postal mail or telephone – including automatic telephone dialling system, telemarketing calls and pre-recorded/artificial voice message.
The Company’s site will only collect personally identifiable information that is provided by site users voluntarily. It will also collect non-personally identifiable information via third party tracking services or “cookies”.
Non-Personally Identifiable Information, information that is anonymous and therefore cannot identify a person, may also be collected when using the Company’s services.
Specifically, non-personally identifiable information can be collected by the use of “cookies”. They can also by collected through third party tracking systems.
As is the case with personally identifiable information, there are numerous different types of non-personally identifiable information that can be collected about You, including the following:
- Your browser type
- Your access times
- The IP address – not linked to personally identifiable information
- Information about areas of the Service visited by Service users
- Clinked links used during Your visit on the site.
The Company might share with suppliers and other third parties summary non-personally identifiable information. This is used for web site statistics, and will not be linked to any of Your personally identifiable information.
Cookies are data, sent to Your computer when visiting a website. Cookies enable the Company’s Service to identify Your browser and store preferences.
Cookies will not give out personally identifiable information to the Company, and can be disabled if You wish. You can disable Cookies through Your Internet browser settings, however, it’s worth noting that if Cookies are disabled, it might prevent you from using certain features of the Company’s services.
The Company will safeguard your personal information with appropriate security measures. The Company use a reputable service provider for security, which manages the Company’s servers that store Your personal information. The personal information submitted by You through the Company’s Service is also transmitted through an encrypted SSL connection, whilst our networks and computers have firewalls and other such security measures to help protect against the misuse, the loss, or the alteration of information that is under the control of the Company.
Whilst the Company do take reasonable measures to try and keep your data protected, it’s important to note that no system is completely secure. We do take efforts to keep Your information secure, however, we cannot promise this information, or searches and other communications, will remain secure. Therefore, you should not expect that your personal information will always remain secure, and be careful in how You disclose personal information.
For more information on how to protect against identity theft, please go to the Federal Trade Commission’s Consumer Information website – http://www.consumer.ftc.gov
Privacy for Children
The Company’s Services are not designed for use by children. The Company do not collect personally identifiable information knowingly from any child under 13 years old.
The Company reserves the right to share information that has been collected from You via this Service in the following circumstances:
- If You are in violation of the Company’s Terms & Conditions
- When required by law, subpoena, warrant or legal process.
- When requested by a court competent jurisdiction, governmental authority, or Quasi-governmental authority.
- If the Company is acquired or sold.
- If the Company undergoes bankruptcy.
- To improve the content and the design of the Company’s Service.
- When the Company deems such a disclosure is required to protect the Company’s, and / or a third party’s rights, or to protect the Company from any kind of liability.
- To prevent, remedy or address technical, security or fraud-related issues, that may necessarily include exchanging such information with the Company’s trusted third parties for the purposes of fraud prevention.
By providing Your information to the Company via our Service, You agree that the Company, in addition to affiliates and other third parties, are authorised to contact You through telephone, mobile device or email for offers, promotions or to provide information on products or services that may be of interest to You. This is notwithstanding of any Do-Not-Contact registry Your contact details may be listed on, including state, federal or corporate ones.
You agree and understand that in willingly requesting the Company, affiliates and other third parties to contact You through the contact details provided (e.g. mobile device, telephone or email), you waive the right to file a complaint or a claim with the FCC, the FTC, or indeed any state or federal agency regarding this contact.
You also both understand and authorize the Company to be able to share the information collected from You via the Service with interested affiliates and third parties (in accordance with the applicable laws).
You accept all related changes through your continued use of the Company’s website, and / or acceptance of the Company’s emails after any such changes have been posted.
515 E Las Olas Boulevard