Effective Date: March 1, 2015
How We Collect Information
When you visit the Site, we may collect certain personal information that you voluntarily provide to us. This personal information may include, among other items, your name, email address, telephone number, mailing address, demographic information (such as age or gender), and social security number. We may collect this information when you apply for credit, contact us with questions, create an account with us, make a payment on your account, complete surveys or questionnaires, or otherwise interact with us. We may also collect certain information about your medical procedures, and other health-related information, when you apply for credit from your doctor through MD Credit.
In addition to the information you provide, we may receive personal information about you from other third-party sources and combine it with the information you provide to us. This may include information from credit bureaus, social media, or general searches.
As a part of the personal information we collect, we may collect certain financial information from you in order to process your application or provide our services. Please read our financial privacy notice [GLBA Notice] for more information regarding what personal information we collect.
We may also receive information about your device location through a mobile app in the future. If you do not want to provide your location to us, please use the settings available on your mobile device to limit this sharing.
How We Use Information
We use the information you provide to us, as well as other information we collect about you and your visit to the Site, for a variety of purposes, including to:
- Provide and improve our services;
- Contact you about the Site or your account;
- Create your account credentials;
- Monitor, secure, operate, and improve the Site;
- Prevent fraud;
- Customize your experience with the Site;
- Provide advertising and other offers that we think may be of interest to you;
- Send you promotional offers from other third parties; and
- For other purposes described to you when we collect certain information.
- Underwriting, credit analytics, and securitization
- Reporting derogatory items
- Third party collections
How We Share Personal Information
We share personal information in accordance with applicable laws. For more information on how we may share, and your rights related to that sharing, please see our financial privacy notice [NOTE: Insert a link to the GLBA Notice here.] We may share information when required by a court order or subpoena, or as part of a merger or sale of all or part of MD Credit (including at bankruptcy). We may share non-personal information in our discretion.
Collection and Disclosure of Medical Information
By using this Site, you agree that we may use the personal medical information submitted by you through this Site for direct marketing purposes and may disclose or sell your medical information to third parties for such purposes.
We may partner with ad networks and other online advertising providers (“Advertising Providers”) in order to serve ads on behalf of us or other non-affiliated parties on the Site and across the Internet. These ads may be presented to you based on products and services these Advertising Providers think are relevant to your interests. These preferences may be inferred based on information Advertising Providers collect about your browsing behavior on the Site and other non-affiliated sites and apps across time. We adhere to the Digital Advertising Alliance’s (“DAA”) Self-Regulatory Principles. To learn more about, or opt-out of, this type of advertising from participants in the DAA, you can visit www.aboutads.info. If you wish to opt-out of this type of advertising on your mobile device, you can download the DAA’s AppChoices app from your device’s application store.
Reviewing and Updating Personal Information
If you need to review or update any personal or financial information you have provided to us, you may do so by logging into your account and updating that information. You are also welcome to email us at support@MDCredit.us or by calling support at (844) 632-3200.
Third Party Links
The Site is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under the age of 13.
We protect the personal information we collect through the Site with reasonable administrative, technical, and physical measures.
Updating This Policy
USE OF DATA COLLECTED: We use your contact information to send you information about our company and other notices, offers or promotional material. We may also use your personal, demographic and profile data for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes. Information collected by us may be added to our databases and used for future e-mails or postal mailings regarding new products and services, and upcoming events. Notwithstanding the foregoing, we will not use your personal or financial information such as Social Security Number-related information, and/or bank account information (“Sensitive Information”) for any other purpose, or transfer the same to any third party other than our loan servicer.
YOUR RIGHTS TO YOUR PERSONAL DATA: Upon request via postal mail or e-mail, we will provide you a summary of personal information retained by us. We will only send your personal records to you by US Mail and only to the postal address that we have on file for you.