Privacy Policy

Privacy Policy

This Privacy Policy describes the information Qoin 365. (“Qoin 365,” “we,” “us” or “our”) collects about you, how we use and share that information, and the privacy choices we offer.  It regulates the processing of information relating to you and grants both of us various rights with respect to your personal data. It describes what type of information we collect, how we use that information, and to whom we can provide that information. It also informs you of how to notify us to stop using your information. We are located in the United States of America. You may be located in a country that has laws which are more restrictive about the collection and use of your personal information. However, by using our website, you agree to waive the more restrictive laws and be governed by the laws of the United States of America.

We reserve the right to make change to this Privacy Statement at any time.

By accessing the Site and by using the Service, you agree to, and are bound by, the terms and conditions of this Privacy Policy.  IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OR SERVICE.

Information We Collect.

Collection of Information.   Qoin 365 may collect the following categories of personal information about you, including but not limited to the following:

Personally Identifiable Information. Personally Identifiable Information is information that may be used to identify a particular individual. We collect your personally identifiable information when you provide it to us through your registration on our website. We may also collect it when you send us communications via email or call us with a question. The types of personally identifiable information we may collect include: name, physical address, telephone number or mobile number, social security number, email address, date of birth, driver’s license number, credit cards and bank account information as well as employment information. For business loans this includes your business information such as ein#, business name, and license. Please note that you must be 18 years of age to use our services.

Information from Third-Party Sites: In order to display information to you or to fulfill your requests for certain products and services through a Service, we may collect, on your behalf, your account and other personal information from Third-Party Sites that you register under your account via the Service.  We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties.

Demographic Information. Behavioral information is information pertaining to how you use our website, the areas of our website that you visit, what services you access, and 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, and other websites you have visited.

Credit Card Information and Bank Account Information. We may, in certain instances, collect credit card number(s), bank account and related information, when you request a product or service on our website. When the credit card or bank account information is submitted to us, such information is encrypted and is protected with SSL encryption software. We will use the credit card or bank account information for the purpose of processing and completing the transaction you requested. Such information will be disclosed to third parties as necessary to complete the requested purchase transaction.

Use of Cookies, Web Beacons, and JavaScript.

Cookies: “Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our website. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this website again, cookies allow us to customize our content according to your preferences. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our website, and deliver specific content to you based on your past viewing history.

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 have the ability to 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 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 verify your registration, and provide you with the services and or loan products you have requested. This may include passing your information on to a third party to provide such services or products.

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.

Improving Our Website. We use the information we gather to respond to any inquires you make, operate and improve the functionality of our website, and deliver the products and services advertised on our website. Our services include the display of personalized products, content, and advertising, relating to your experience and interests.

Promotional Material. We will use the information to contact you when we have special offers or promotions.

Disclosure of Information to Others.

Lenders and Networks of Lenders. We share your personally identifiable information, including all information on your registration, with participating lenders in our network and other third party lenders or networks with whom we have a business relationship. We also share your personally identifiable information with vendors who assist us in verifying your identity.

Promotional Third Party. In addition, we share your name, address, email address, IP and telephone number with unaffiliated third party marketers and list managers with whom we have a business relationship. Any third parties with whom we share personally-identifiable information have their own policies which describe how they use and disclose your information.

Website Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include third parties who host our website, analyze our data, provide marketing assistance, and provide customer service.

Anonymous information: We share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the kinds of visitors that come to our website, and how those visitors use our website. This includes demographic information and behavioral information.

Legal Process: We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.

Acquisition or Merger: We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.

Third Party Collection and Use of Information.

There are links on our website that automatically redirect you to third party websites that we do not operate or control and are not covered under this Privacy Statement. You should review the privacy policies and terms of use of all third party web sites you access. These third party web sites may independently solicit and collect information from you. Also, once we have referred you to a participating lender, each lender has its own Privacy Statement which may be very different from our policy and you should review that policy immediately upon such referral to know how the lender will collect, use and share your information.

Security of Information.

We endeavor to safeguard and protect your information. When you submit information on our website, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk. However, access to your information is strictly limited and not accessible to the public.

Changes to Privacy Statement.

We reserve the right to make material changes to the substance of this Privacy Statement. We will post those changes through a prominent notice on the website, so that you will always know what information we gather, how we might use that information, and to whom we will disclose it. All changes will be effective forward from the date such change is posted.

California Resident Rights.

A California resident who has provided personal information to a business with whom he/she has established a business relationship, for personal, family, or household purposes (“California customer”), is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties’ direct marketing purposes. However, under the law, a business is not required to provide such information if the business adopts and discloses to the public (in its Privacy Statement) a policy of not disclosing customer’s personal information to third parties for their direct marketing purposes, unless the customer first affirmatively agrees to the disclosure, and as long as the business maintains and discloses this policy. Rather, the business may comply with the law by notifying the customer of his or her right to prevent disclosure of personal information and providing a cost free means to exercise that right.

As stated in this Policy, you have agreed to allow us to share information with third parties for their direct marketing purposes until you remove your information; and thus, you have agreed to this disclosure. California customers may request further information about our compliance with this law by sending us an email at support@qoin365.com. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.

In addition, California Residents have the right to know how we respond to their web browser “do not track” signals or other mechanisms. We do not respond to such signals or other mechanisms.

Contact Us With Any Questions.

This Privacy Policy describes the information Qoin 365. (“Qoin 365,” “we,” “us” or “our”) collects about you, how we use and share that information, and the privacy choices we offer.  It regulates the processing of information relating to you and grants both of us various rights with respect to your personal data. It describes what type of information we collect, how we use that information, and to whom we can provide that information. It also informs you of how to notify us to stop using your information. We are located in the United States of America. You may be located in a country that has laws which are more restrictive about the collection and use of your personal information. However, by using our website, you agree to waive the more restrictive laws and be governed by the laws of the United States of America.

We reserve the right to make change to this Privacy Statement at any time.

By accessing the Site and by using the Service, you agree to, and are bound by, the terms and conditions of this Privacy Policy.  IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OR SERVICE.

Information We Collect.

Collection of Information.   Qoin 365 may collect the following categories of personal information about you, including but not limited to the following:

Personally Identifiable Information. Personally Identifiable Information is information that may be used to identify a particular individual. We collect your personally identifiable information when you provide it to us through your registration on our website. We may also collect it when you send us communications via email or call us with a question. The types of personally identifiable information we may collect include: name, physical address, telephone number or mobile number, social security number, email address, date of birth, driver’s license number, credit cards and bank account information as well as employment information. For business loans this includes your business information such as ein#, business name, and license. Please note that you must be 18 years of age to use our services.

Information from Third-Party Sites: In order to display information to you or to fulfill your requests for certain products and services through a Service, we may collect, on your behalf, your account and other personal information from Third-Party Sites that you register under your account via the Service.  We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties.

Demographic Information. Behavioral information is information pertaining to how you use our website, the areas of our website that you visit, what services you access, and 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, and other websites you have visited.

Credit Card Information and Bank Account Information. We may, in certain instances, collect credit card number(s), bank account and related information, when you request a product or service on our website. When the credit card or bank account information is submitted to us, such information is encrypted and is protected with SSL encryption software. We will use the credit card or bank account information for the purpose of processing and completing the transaction you requested. Such information will be disclosed to third parties as necessary to complete the requested purchase transaction.

Use of Cookies, Web Beacons, and JavaScript.

Cookies: “Cookies” are a feature in your browser software. If enabled, cookies store small amounts of data on your computer about actions you take on the pages of our website. Cookies assist us in tracking which of our features you visit most often, and what content you viewed on past visits. When you visit this website again, cookies allow us to customize our content according to your preferences. We may use cookies to keep track of the number of return visits, accumulate and aggregate statistical information generally pertaining to our website, and deliver specific content to you based on your past viewing history.

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 have the ability to 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 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 verify your registration, and provide you with the services and or loan products you have requested. This may include passing your information on to a third party to provide such services or products.

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.

Improving Our Website. We use the information we gather to respond to any inquires you make, operate and improve the functionality of our website, and deliver the products and services advertised on our website. Our services include the display of personalized products, content, and advertising, relating to your experience and interests.

Promotional Material. We will use the information to contact you when we have special offers or promotions.

Disclosure of Information to Others.

Lenders and Networks of Lenders. We share your personally identifiable information, including all information on your registration, with participating lenders in our network and other third party lenders or networks with whom we have a business relationship. We also share your personally identifiable information with vendors who assist us in verifying your identity.

Promotional Third Party. In addition, we share your name, address, email address, IP and telephone number with unaffiliated third party marketers and list managers with whom we have a business relationship. Any third parties with whom we share personally-identifiable information have their own policies which describe how they use and disclose your information.

Website Functionality. We share your information with companies and individuals we employ to perform technical functions on our behalf. Examples include third parties who host our website, analyze our data, provide marketing assistance, and provide customer service.

Anonymous information: We share aggregated anonymous information about you, combined with other persons using our website with third parties, so that they can understand the kinds of visitors that come to our website, and how those visitors use our website. This includes demographic information and behavioral information.

Legal Process: We disclose your information if legally required to do so, or at our discretion, pursuant to a request from a governmental entity, or if we believe in good faith that such action is necessary to (a) conform to legal requirements or comply with legal process; (b) protect our rights or property, or our affiliated companies; (c) prevent a crime or protect national security; or (d) protect the personal safety of users or the public.

Acquisition or Merger: We may disclose and transfer your information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation or purchase of all or a substantial portion of our assets. In the event we become the subject of an insolvency proceeding, whether voluntary or involuntary, we or our liquidator, administrator, receiver or administrative receiver may sell, license or otherwise dispose of, such information in a transaction approved by the court.

Third Party Collection and Use of Information.

There are links on our website that automatically redirect you to third party websites that we do not operate or control and are not covered under this Privacy Statement. You should review the privacy policies and terms of use of all third party web sites you access. These third party web sites may independently solicit and collect information from you. Also, once we have referred you to a participating lender, each lender has its own Privacy Statement which may be very different from our policy and you should review that policy immediately upon such referral to know how the lender will collect, use and share your information.

Security of Information.

We endeavor to safeguard and protect your information. When you submit information on our website, such information is protected both online and offline. We have security measures in place to protect against the loss, misuse, and alteration of personal information under our control. The servers in which we store your information are kept in a secure physical environment. The servers have industry standard firewalls. Access to such servers is password protected and access by our employees is limited. Currently, we use Secure Socket Layer software (“SSL”) to protect data and to secure any transactions. SSL encrypts information including credit card number(s), and names and addresses, as they are transmitted over the Internet. Please be advised that, although we take commercially reasonable technological precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure; therefore, we cannot and do not warrant that your information will be absolutely secure. Any transmission of data at or through our website is at your own risk. However, access to your information is strictly limited and not accessible to the public.

Changes to Privacy Statement.

We reserve the right to make material changes to the substance of this Privacy Statement. We will post those changes through a prominent notice on the website, so that you will always know what information we gather, how we might use that information, and to whom we will disclose it. All changes will be effective forward from the date such change is posted.

California Resident Rights.

A California resident who has provided personal information to a business with whom he/she has established a business relationship, for personal, family, or household purposes (“California customer”), is entitled to request information about whether the business has disclosed personal information to any third parties for the third parties’ direct marketing purposes. However, under the law, a business is not required to provide such information if the business adopts and discloses to the public (in its Privacy Statement) a policy of not disclosing customer’s personal information to third parties for their direct marketing purposes, unless the customer first affirmatively agrees to the disclosure, and as long as the business maintains and discloses this policy. Rather, the business may comply with the law by notifying the customer of his or her right to prevent disclosure of personal information and providing a cost free means to exercise that right.

As stated in this Policy, you have agreed to allow us to share information with third parties for their direct marketing purposes until you remove your information; and thus, you have agreed to this disclosure. California customers may request further information about our compliance with this law by sending us an email at support@qoin365.com. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.

In addition, California Residents have the right to know how we respond to their web browser “do not track” signals or other mechanisms. We do not respond to such signals or other mechanisms.

Contact Us With Any Questions.

Qoin 365 is a marketing platform for Quintess Funding LLC NMLS#1619403 for mortgage loans.  For business loans Qoin 365 brokers the loans to our network of direct lenders.  Qoin 365 does not endorse, warrant, or guarantee service or products by any lender or broker.

NMLS Consumer Access | State Licensing | Privacy & Security | Terms of Use | Lifetime Guarantee

Qoin 365 is a marketing platform for Quintess Funding LLC NMLS#1619403 for mortgage loans.  For business loans Qoin 365 brokers the loans to our network of direct lenders.  Qoin 365 does not endorse, warrant, or guarantee service or products by any lender or broker.

NMLS Consumer Access | State Licensing | Privacy & Security | Terms of Use | Lifetime Guarantee