Resource Capital Management Advisors Privacy Policy & Federal Privacy Notice

Information Provided by You

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We collect personal information about you that you provide while you use Resource Capital Management Advisors websites, including but not limited to, resourcecapitalmanagementadvisors.com or any associated websites, desktop or mobile applications (collectively, the “Resource Capital Management Advisors website” or “Resource Capital Management Advisors websites”). We collect this information when you apply for credit or register as a borrower or investor. Additional information may be gathered during your subsequent use of the Resource Capital Management Advisors websites, or when we communicate with you via telephone, email or other means.

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Certain personal information must be supplied when you apply for credit and/or register as a borrower or investor, or in connection with servicing your account, in order to meet our legal obligations, verify your identity, facilitate determinations for credit eligibility, protect against fraud, and complete your transaction. The following categories of information may be collected:

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• Your basic identifying information (for example, your name, address, email, telephone number, and date of birth);

• Your Social Security number;

• Your employment and income information;

• Your bank account information;

• For a loan to be used with a merchant or service provider (e.g., a home improvement provider), the identity of the merchant or service provider and the name of the party that will receive the good or service;

• Other information you may provide in connection with a financial product or service, such as your demographic information (where permitted or required by applicable law) and the location and value of the property securing your loan;

• Government-issued identification or additional information for identity verification;

• Any personal information you provide us.

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We may also collect information that you provide to us about your co-applicant in connection with a joint application or loan. By submitting information about someone other than yourself, you represent that you are authorized to provide us with that person’s information for the purposes identified in this Privacy Policy and/or in connection with our services.

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In addition, we gather names, email addresses, and phone numbers of people who contact us with questions.  We collect this information only for the purpose of responding to inquiries.  If you use our “refer-a-friend” feature, we will collect information from you in order to process your referral request.

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You may also provide your information to certain third-party financing platforms who will process your application for credit and may provide your information to us. The use of your information by that online financing platform is governed by that company’s privacy policy.

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If you use the comments section of our blog on resourcecapitalmanagementadvisors.com, you should be aware that information you submit is stored there and will be visible to other users of the Resource Capital Management Advisors websites.

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Information Collected From Third Parties

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When you check your rate or apply for credit through Resource Capital Management Advisors, we will collect information from credit bureaus and other third parties to facilitate determinations for credit eligibility, perform analyses, provide you with marketing offers and assess risks related to extending credit to you and any co-applicant and, if you are a personal loan applicant, to help investors determine whether to commit to your personal loan. If you obtain a personal loan or credit card through Resource Capital Management Advisors, we also collect information throughout the life of your financial obligation through Resource Capital Management Advisors from credit bureaus and other third parties in order to assess risks associated with your financial obligation, perform analyses, provide information to investors interested in buying or selling your financial obligation, and to provide you with marketing offers. If another company refers you to Resource Capital Management Advisors or assists you in any way in the application process, we may also collect your information from that company in order to process your application.

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The following categories of information are generally collected for personal loan applicants, and customers:

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• Your identifying and application information (for example, your name, address, email, telephone number, date of birth, social security number, and employment information);

• Your credit score, credit history and other information related to your creditworthiness, identity and financial transactions;

• Your bank account information and transactions;

• If you applied for a loan to be used with a merchant or service provider, information related to any dispute you submit regarding the merchant or service provider;

• If you applied for a loan that is processed through an online finance platform other than Resource Capital Management Advisors, the status and terms of your loan or loan offer through that platform;

• If you applied for a home equity product through Resource Capital Management Advisors, information related to your demographics (as required by law) and property, and any other information to evaluate and complete your application.

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If you register as an investor through Resource Capital Management Advisors, we will collect information from credit bureaus and other third parties to verify your identity and bank account information and assess risks related to your account.  If another company refers you to Resource Capital Management Advisors or assists you in any way in the registration or investing process, we may also collect your information from that company in order to process your registration or request, or to update your account information.

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Information Gathered Based on Your Activity on the Resource Capital Management Advisors' Websites

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In order to provide services to you, improve our business and maintain records required by law, Resource Capital Management Advisors collects information about your transactions and activity.  For personal loan borrowers, this includes your payment history. For investors, this includes your fund transfers and purchases.  For all users, Resource Capital Management Advisors and/or its service providers collect information about your visits to www.resourcecapitalmanagementadvisors.com, and other Resource Capital Management Advisors websites and the computer or device through which you access our websites, such as your IP address, geographical location, operating system, browser type, referral source, time and length of visit, button clicks and/or page views, and your mobile device identifier (IDFA or AAID). With respect to individuals that have not created user accounts with Resource Capital Management Advisors, we do not associate the information that we collect with an identifiable consumer or household.

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For customers using our mobile apps, the mobile apps may periodically collect, transmit, and use geolocation information to enable certain features, including features that prevent fraudulent use and send alerts, but only if you expressly authorize collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the mobile app is being used or not at all, depending on your selection. You can change your location permissions at any time in your mobile device settings.

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Tracking Technologies

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Cookies and Web Beacons. Resource Capital Management Advisors and our marketing partners and service providers use technologies such as, but not limited to, cookies, beacons, tags, and scripts, to analyze trends, administer the Resource Capital Management Advisors websites, track users’ movements around the Resource Capital Management Advisors websites, and gather information about our user base as a whole. We may receive reports on this activity on an individual and aggregated basis.

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We use cookies when you interact with Resource Capital Management Advisors websites to keep track of your personal session, help authenticate your account, and detect fraud.  Cookies are also used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to Resource Capital Management Advisors websites.  You can control the use of cookies within your web browser.  However, if you reject cookies, your ability to use some features or areas of Resource Capital Management Advisors websites may be limited.

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Usage Data & Site Activity.  Resource Capital Management Advisors also uses Local Storage, such as HTML5, to store content information and preferences. Various browsers may offer their own management tools for removing HTML5.

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Third Party Technologies.  Resource Capital Management Advisors partners with third parties to manage our advertising services on other websites and evaluate overall Resource Capital Management Advisors website performance, and/or to collect certain information when you visit and interact with Resource Capital Management Advisors websites and services. These third party companies may use technologies, such as cookies, to recognize browsers and to gather information about your activities on Resource Capital Management Advisors websites and other sites in order to provide you advertising based upon your browsing activities and interests, or to help us track the success of our marketing efforts, your interactions with Resource Capital Management Advisors websites, and overall Resource Capital Management Advisors website performance. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out of certain advertising networks by clicking here.  Please note that this does not opt you out of receiving all ads and you may still encounter generic ads.

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Do-Not-Track Signals

Resource Capital Management Advisors does not process or respond to “do not track” signals or other similar signals whereby a visitor to a website requests that it disable collection of information about the visitor’s online activities over time and across different websites.