Cookie/GDPR Policy (Effective as of January 01, 2024)
Introduction
This Cookie/GDPR Policy is established and is effective as of January 01, 2024. It applies to all users of our website located at rgvloans.net, our mobile applications (collectively, the “Site”), and our related products and services (the “Services”). This policy outlines our practices regarding the collection, use, and protection of information through cookies and other tracking technologies in compliance with the General Data Protection Regulation (GDPR) and other relevant data protection laws.
1. Introduction to Cookies and Similar Technologies
Cookies are small text files that a website or its service provider uses to recognize repeat users, facilitate ongoing access to and use of the site, and allow the site to understand how users interact with the Site for the purpose of improving user experience. We also employ other tracking technologies like web beacons, pixels, and software development kits (SDKs), all of which work similarly to cookies in order to achieve a variety of purposes.
2. Types of Cookies and Purposes
We use several types of cookies and similar technologies on our Site for various purposes:
- Strictly Necessary Cookies: These are essential for the operation of our Site and enable you to navigate the website and use its features, such as accessing secure areas.
- Functionality Cookies: These allow the Site to remember your preferences (like your choice of language or region) and personalize your experience.
- Performance/Analytical Cookies: These collect information about how you use our Site, for instance, which pages you visit and if you encounter any errors. These cookies do not collect personally identifiable information (PII) and are used to improve how our Site functions and performs.
- Targeting/Advertising Cookies: These cookies deliver content that is more relevant to your interests for advertising purposes, both on and off the Site. They may be set by us or by third parties with our permission.
3. Your Consent
By using our Site after January 01, 2024, you consent to the use of cookies in accordance with this Cookie/GDPR Policy. You can provide your consent through an opt-in mechanism on the Site (such as a cookie banner). If you choose not to provide your consent, some features and functionalities may not be available to you.
4. Managing Cookies
You can manage cookies through your browser settings or by using our cookie consent tool. You can opt-out of non-essential cookies at any time by updating your preferences on our cookie consent tool. For more information about how to manage cookies, please visit [Your Cookie Management URL].
5. Data Subject Rights
Under the GDPR, you have rights in relation to the personal data we hold about you. These rights include:
- Right of Access: You can request a copy of your personal data held by us.
- Right of Rectification: You can update or correct your personal data if it is inaccurate or incomplete.
- Right to be Forgotten: In certain circumstances, you can ask for the deletion of your personal data.
- Right to Restrict Processing: Under certain conditions, you may ask us to restrict the processing of your personal data.
- Right to Object: You have the right to object to our processing of your personal data based on legitimate interests or for direct marketing (including profiling).
- Right to Data Portability: You can request a copy of your personal data in a machine-readable format.
To exercise any of these rights, please contact our Data Protection Officer at [Your DPO’s Contact Information].
6. Data Security and International Transfers
We implement appropriate technical and organizational measures to protect your personal data against unauthorized or unlawful processing, accidental loss, destruction, or damage. We also ensure that any third-party service providers adhere to similar standards.
Your personal data may be transferred to, and processed in, countries outside of the European Economic Area (EEA). In such cases, we ensure that appropriate safeguards are in place to protect your personal data, including the use of standard contractual clauses or binding corporate rules.
7. Changes to Our Cookie/GDPR Policy
We reserve the right to modify this Cookie/GDPR Policy at any time. Any changes will be effective upon publication on our Site and will apply to your continued use of the Site following such publication. We encourage you to review this policy regularly for any changes.