Sunshine State Credit, LLC

Privacy Policy

Welcome to www.sunshinestatecredit.net (the “Site”).  This Site is operated by Sunshine State Credit, LLC (“Sunshine,” “we,” “us,” and “our,” as applicable).  We recognize and respect the importance of maintaining the privacy of our guests, customers, and other users and have therefore established this Privacy Policy.  Described below is what information we collect, how we collect it, the purposes for which we use the information, and other helpful information.  This Privacy Policy is part of our online Terms of Service, which governs your use of the Site.  By visiting this Site, you are accepting the practices described in this Privacy Policy and agree to receive future revisions to our Privacy Policy through our Site.  In addition to this Privacy Policy, please see our Consumer Privacy Notice for information about how Sunshine gathers, maintains, and stores your personal information.  This Privacy Policy is applicable only to visitors and users of the Site, and it may not be applicable to transactions or information gathered outside the Site.  This Site is not directed to or intended for individuals under the age of 18.

What information do we gather?

The information collected through the Site may include, without limitation:

When do we collect information?

From time to time, the Site collects personal information online, such as when: (i) you register an account with us, apply for a line of credit or for sales financing, or conduct any other e-commerce business with us; (ii) you submit questions or comments to us; or (iii) you voluntarily change your profile information.  This information is collected through our Site, through your communication or correspondence with us by e-mail, telephone, or any other form of electronic communication, or when you when you modify your account information in any way.  The information you enter might be collected even if you cancel or do not complete the intended use, registration, application, or submission process. 

What are "cookies" and how does the Site use them?

Cookies are small pieces of information or data stored by your browser on your computer’s hard drive, at a web site’s request.  The cookies, web beacons, or other related identification devices used by this Site may gather personal information or non-personal information, and these cookies are used to: (i) remember you when you login to our site; (ii) remember your settings and preferences; (iii) help us understand the size of our audience, traffic, and bandwidth patterns; and (iv) manage Site information and graphics displayed on your computer.  If your browser refuses to accept cookies, you may experience browsing difficulties or the inability to log in to your account or apply for products and/or services online.  Refusal of cookies may disrupt or disable other features of the Site, such as the security features that automatically terminate your login session if you forget to logout. 

How we use the information about you that we collect?

The information that we collect from you is used to provide you with the services, content, and features of the Site.  In accordance with our Consumer Privacy Notice, from time to time we may use your information to advertise the products and services of Sunshine and its affiliates, and we may share your information with our business partners and affiliates who provide products and services that may benefit you.  In addition, we use information we collect to:

We may disclose information to third parties about your Account or the transfers you make:

How long do we retain the collected information?

Most types of information we collect through the Site are retained according to our document and information retention policies.  However, certain types of information, such as contracts or tax related documents, are retained permanently, or as required by law.  We reserve the right to change our information retention policy from time to time, so please check with us frequently for updates in how we retain information.  At your request, and as permitted by law, we will delete or destroy any of your information that you do not want us to retain.  However, we reserve the right, at our sole discretion, to retain archival copies of such information for our records, and our archival copies will be retained in accordance with this Privacy Policy. 

With whom do we share the information the Site receives?

The Site respects the privacy of its guests, customers, users, and other visitors.  We may disclose any of your information to: (i) our vendors, employees, and business affiliates for the purpose of operating the Site, providing our credit services, and providing enhanced service and features to you; (ii) our business partners, affiliates, and other third parties who are interested in offering you certain products or services; (iii) authorities or legal counsel when we believe disclosure to be appropriate to comply with any law, regulation, or governmental or law enforcement request, or to comply with a judicial process; and (iv) any other person or entity when we deem such disclosure reasonably necessary to protect our rights or property, our members, employees, officers, or directors.  We will make such disclosures only to the extent necessary to serve our purpose. 

Credentials

Certain features and portions of the Site may require account registration and log-in processes for which you will need a user name, password, or other authentication credentials.  Any such credentials provided to you may be used by you solely for your individual or internal business use of this Site.  Your use of your credentials is governed by our online Terms of Service agreement.    

Consent to Transfer

The Site is operated in the United States.  If you are located outside the United States, please be aware that any information you provide to us will be transferred to the United States.  By using the Site or providing us with your information, you hereby consent to this transfer.  Although we will collect and use your information only as stated in this Privacy Policy, laws generally applicable to the protection of personal data in the United States may not be as stringent as those in some users’ home jurisdictions. 

Links

In offering our online credit services through the Site, we may partner with affiliated third-party vendors that provide certain information, services, or other useful tools, and we may provide you with links to, or otherwise direct you to, the websites of such third-party affiliates.  You should be aware that when you navigate to third-party web sites, you will be subject to the privacy policies and terms of use of those third-party web sites, not ours.  While we support the protection of privacy on the Internet, we cannot be responsible for the actions of third parties.  We encourage you to read the posted privacy statement and user terms and conditions whenever interacting with, and prior to providing any personal information to, any other web site.

Your Security

For your safety and security on the Site, we use encryption, flash objects, firewalls, login credentials, data encryption, and other security features.  The Site, the data exchanged through the Site, and the data available on the Site are stored on secure servers hosted, operated, and maintained by a reputable third-party hosting service.  Other third-party technical professionals are consulted when necessary to provide hosting or maintenance services. 

The Site uses one or more security certificates from trusted commercial certificate authorities to encrypt all data transmissions through the Site.  However, your external e-mail communications with us are not protected by any digital security, and you should assume that such communications are visible by third-parties. 

No transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.  Although we make reasonable efforts to safeguard your personal information once we receive it, we cannot guaranty the security of information you transmit to us.  We cannot be, and are not, responsible for the actions of our third-party vendors, or for unauthorized access to information by hackers, or by other unauthorized third-parties. 

Your Consent and Changes to this Policy

Subject to the above provisions, by using our Site, you consent to the collection and use of information by us and the terms of this Privacy Policy.  We may change our Privacy Policy from time to time and we will post those changes so that you are always aware of what information we collect, how we use it, and under what circumstances we may disclose it.  By using the Site, after such changes and posting, you agree to be legally bound and to abide by the changes and other provisions contained in the Privacy Policy and Terms of Service agreement. 

Last updated: February 28, 2014

Copyright ©2014 by Sunshine State Credit, LLC.  All rights reserved.