Privacy Policy

Reviewed 1/2/2021

CEMAPHORO.COM Privacy Statement

Your privacy is important to us. This Privacy Statement describes the types of information Cemaphoro Inc. collects from and about you when you visit our website (“Site”), www.cemaphoro.com. This Privacy Statement also explains how Cemaphoro may use and disclose such information, as well as your ability to control certain uses of it.

For additional information about how we collect, use, and disclose your personal information in connection with our financial products or services, please see the Cemaphoro Loan Privacy Notice below.

INFORMATION COLLECTION

Information You Provide to Us

Cemaphoro collects information from you when you choose to provide it to us. This may include when you create an account, apply for a loan, accept a preapproved firm offer of credit, request information from us, sign up for newsletters or our email lists, use our Site, or otherwise contact us.

The information we collect may include your name, address, email address, telephone or mobile phone number, Social Security number, and financial account information. You may be required to provide certain personal information to apply for and receive Cemaphoro services.

Information We Automatically Collect

We may use cookies or other technologies to automatically collect certain information when you visit our Site or interact with our emails. For example, if you are responding to an offer of credit, we may automatically populate your personal information into our system once you enter your offer code. Additionally, we may automatically collect certain non-personal information from you such as your browser type, operating system, software version, and Internet Protocol (“IP”) address. We also may collect information about your use of the Site, including the date and time of access, the areas or pages that you visit, the amount of time you spend using the Site, the number of times you return, whether you open, forward, or click-through emails, and other Site usage data.

You may adjust your browser or operating system settings to limit this tracking or to decline cookies, but by doing so, you may not be able to use certain features on the Site or take full advantage of all of our offerings. Check the “Help” menu of your browser or operating system to learn how to adjust your tracking settings or cookie preferences. Please note that our system may not respond to Do Not Track requests or headers from some or all browsers.

Information Collected From Other Sources

We may obtain information about you from other sources, including credit bureaus and fraud detection services. This information may include name, updated address or contact information, and information about your credit history and score. We may combine this information with the information we collect from and about you to determine continued creditworthiness, provide fraud detection services, and help us provide our services to you.

INFORMATION USE

Cemaphoro may use the information we collect from and about you to:

  • Evaluate your creditworthiness in response to a preapproved firm offer of credit or request for financial services;
  • Contact you in response to a loan application or otherwise;
  • Provide loan servicing;
  • Develop new products or services;
  • Provide you with customized Site content;
  • Research, address problems with, and improve the usage and operations of the Site;
  • Protect the security or integrity of the Site and our business; and
  • As described to you at the point of data collection.

INFORMATION SHARING

Cemaphoro may share the information we collect from and about you: (1) to our Service Providers, if the disclosure will enable them to perform a business, professional, or technical support function for us; (2) as necessary if we believe that there has been a violation of Cemaphoro’s Terms of Use or of our rights or the rights of any third party; (3) to respond to judicial process or provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (4) as described to you at the point of collection.

Cemaphoro may sell or purchase assets during the normal course of our business. If another entity acquires us or any of our assets, information we have collected from and about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through the Site in a manner that is consistent with this Privacy Statement.

SERVICE PROVIDERS

Cemaphoro may contract with third parties to perform functions related to the Site (“Service Providers”). Service Providers will have access to your personal information needed to perform their business functions, but may not use or share that personal information for other purposes.

LINKS TO OTHER WEBSITES

The Site may have links to third-party websites, which may have privacy policies that differ from our own. We are not responsible for the practices of such sites.

CHILDREN’S PRIVACY

Protecting children’s privacy is important to us. We do not direct the Site to, nor do we knowingly collect any personal information from, children under the age of thirteen.

DATA SECURITY

We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers and Site visitors. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures.

ACCESS TO YOUR PERSONAL INFORMATION

If you have an account with us, you may sign in to your account on the Site and update the personal information contained in the account.

UNSUBSCRIBE

To unsubscribe from Cemaphoro’s marketing emails, please click the personalized link at the bottom of a marketing email.

IF YOU HAVE QUESTIONS

If you have any questions about this Privacy Statement or the practices described herein, you may contact us at legal@cemaphoro.com or 651 N Broad St Suite 206, Middletown DE 19709.

REVISIONS TO THIS STATEMENT

Cemaphoro reserves the right to revise this Privacy Statement at any time. When we do, we will post the change(s) on the Site. If we change the Privacy Statement in a material way, we will provide appropriate notice to you.