GoVALoans.com, LLC (“GoVALoans” and referred to in the first person at times in this Privacy Policy) is committed to protecting the privacy of our clients and other users of our website. This Privacy Policy (“Policy”) governs the way in which GoVALoans collects and uses personal information collected from clients through this website and any other product or service that GoVALoans provides (the “Services”).
By using this website and any of the Services, you acknowledge that you have read and agree to the terms as they are described in this Policy. Additionally, any continued use of this site following posted changes to this Policy will be deemed as your acknowledgement and acceptance of the changes.
Data Collected
GoVALoans collects three types of information: Personal Data, Non-Personal Data, and Financial Data.
Personal Data
GoVALoans will only collect Personal Data when it is provided through any forms, applications, surveys, or any other means in which data is collected through the Services. Personal Data includes, but is not limited to, name, email address, phone number, social security number, and physical address.
This Personal Data is used to facilitate the loan process and provide you with the most efficient and personally beneficial version of the Services.
Non-Personal Data
GoVALoans collects Non-Personal Data automatically when you visit this website or any other website, portal, or interface related to the Services. Non-Personal Data collected may include information such as the browser type and version that is being used, your device’s IP address, the time and date in which you visit or use the Services, and your location when you are accessing this website or using the Services.
This Non-Personal Data is used for internal purposes to analyze the usage of this website and any of the Services.
Financial Data
GoVALoans collects Financial Data when you provide it and, with your permission, through third party consumer credit-reporting agencies. Financial Data collected may include information such as income, account balances, credit history, and credit score.
This Financial Data will be used to accurately assess your financial situation to assist us in providing the Services in the best way for your personal financial situation.
Disclosure of Collected Data
We will only share personal data with third party service providers as required to facilitate the provision of the Services. We will not disclose any data we collected with third parties except as follows:
States in Which you are Applying For a Loan | Companies in which we Disclose Collected Data | Recipient of Collected Data Privacy Policy |
Virginia, North Carolina, Delaware, District of Columbia, Florida, Georgia, Maryland, Pennsylvania, South Carolina, Tennessee, West Virginia | TowneBank Mortgage | TowneBank Privacy Policy |
We partner with the businesses identified above in the states that are indicated in the corresponding cell to help facilitate the loan process and provision of the Services and will disclose personal information to them in order for them to assist in providing the Services. These companies are only entitled to the access to your data for the purposes of facilitating the Services and will disclose data in accordance with their privacy policy, each of which are linked in the table above. If you do not agree with their privacy policy, please do not use our services.
We may also disclose collected data in certain circumstances in which we believe in good faith that disclosure is necessary to comply with a subpoena, to protect the personal safety of the clients that use the Services, or to protect the rights of GoVALoans.
Third-Party Services
This website or any of our other Services may contain links to the website or services of a third-party that is operated independently of GoVALoans, and that we have no control over. Any such third-party websites or services are not subject to the terms of this Policy and we assume no responsibility for the privacy practices of the third-party. We strongly advise you to thoroughly review any such third-party’s privacy policy before visiting their websites or using their services.
Cookies
Cookies are identifiers that are sent from websites that you visit to your computer to provide tailored features for your web browsing experience. There are two types of cookies: first-party and third-party. We use first-party cookies to collect data on the usage of our website and also use first-party cookies to facilitate the secure areas of the Site in which a private login is necessary.
Our site may contain content from third parties from time to time, such as advertisements that may use third-party cookies.
You can opt out by blocking cookies on your device. Note that blocking cookies from your device will only block them from the specific browser that you are using. Thus, you should block cookies from every browser and device that you access our site on if you wish to opt out.
Communications
By filling in information on our website or through any of our services, you may receive various communications including phone calls and emails regarding GoVALoans services. You may opt-out of any of these communications by following an unsubscribe link on email, or by expressing your wishes to opt-out on the phone. You can also opt-out by contacting by using the contact information provided in this Policy.
GoVALoans will also be required to communicate with you throughout the provision of the Services. You will not be able to opt-out of these communications that are directly related to your transaction.
CALIFORNIA RESIDENTS
The state of California affords their citizens certain rights to privacy under the California Consumer Privacy Act (CCPA). The CCPA requires companies to disclose the type of personal information that has been collected about their consumers, a list of the personal information that they have sold about their consumers, and a list of the categories of personal information in which they have disclosed about consumer for a business purpose in the preceding 12 months.
In the previous 12 months, we have collected personal information about our consumers from the consumers themselves, other third parties such as consumer credit reporting agencies, and publicly available sources. The information collected includes the personal, non-personal, and financial data as described above in this Policy. This information is considered to be, under California law, in the categories of identifiers, personal information, and internet or other similar network activity.
In the previous 12 months, we have not knowingly sold any of our consumers personal information.
We have only disclosed this information to the companies indicated in the table above for the state in which you have applied for our Services. This information has been disclosed solely for the purposes of providing the Services. We may also disclose any information we have collected to any other third-party that the consumer and/or customer gives us permission to disclose such information to.
We will not collect additional information, sell information, or use any information collected for purposes other than those laid out above without notifying you.
The CCPA gives California residents additional rights that include the Right to Opt-Out, the Right to Know, the Right to be Forgotten, and the Right to Non-Discrimination. These rights must be exercised.
The Right to Opt-Out gives California consumers the right to opt-out of a business selling or sharing their personal information.
The Right to Know gives California consumers the right to have access to their information that is collected, to know from which sources it is collected, to know how it is used, and to know to whom the information is disclosed.
The Right to be Forgotten gives California consumers the right to request that all of their personal information and any record pertaining to them be removed from a company’s database.
The Right to Non-Discrimination gives California consumers the right to not be discriminated against for the exercise of their privacy rights in which they are entitled to under the CCPA.
Exercising Your Rights under the CCPA
To Exercise your rights under the CCPA, you may make a request by sending us an email at optout@goVAloans.com with the “CCPA Request” in the subject line. You may also make a request by phone at 833-825-6261.
Upon these requests, we may ask for additional personal information to verify we are dealing with the correct individual. These requests are not final, as the law may not require or allow us to honor your request. Please do not consider the request fulfilled until you receive a confirmation message in writing from optout@goVAloans.com or visit Opt Out Preferences.
INDIVIDUALS OR BUSINESSES LIVING IN THE EUROPEAN UNION WHEN DATA IS COLLECTED
Along with the rest of this Policy, individuals or businesses that are in the European Union at the time of the collections of any data subject to this Policy are afforded additional rights. The General Data Protection Regulation (“GDPR”) affords individuals or business in the European Union the following rights:
Rights | Description of Right |
Right to Access | Individuals and Businesses protected under the GDPR have the right to request access to any data that we collect pertaining to them and request copies of such data. Note that there may be a small fee associated with the request of copies of the data. |
Right to Rectification | Individuals and Businesses protected under the GDPR have the right to request that GoVALoans corrects any information that you believe is inaccurate, as well as the right to request that we complete any information that you think is incomplete. |
Right to Data Portability | Individuals and Businesses protected under the GDPR have the right to request that the information we have collected be transferred to another organization or directly to you, under certain conditions laid out in the GDPR. |
Right to Erasure | Protected Individuals and Businesses have the right to request that we erase your personal information in which we have collected. |
Right to Restrict Processing | Individuals and Businesses that are protected under the GDPR have the right to request that we restrict the processing of your personal data, under conditions laid out in the GDPR. |
Right to Object to Processing | Individuals and Businesses that are protected under the GDPR have the right to object to our processing of your personal data. |
For more information regarding the GDPR please click here.
Contacting the Appropriate Authority for GDPR Complaints
Should you wish to file a complaint regarding your GDPR rights or if you feel we have not addressed any concerns you have in a manner in which satisfies you, you should contact the Information Commissioner’s Office regarding your concerns.
You can initiate your complaint by clicking here.
CONTACT
If you have any questions about this Policy, any data that we keep pertaining to you, or if you would like to exercise one of your data protection rights or have questions about the rights, please do not hesitate to contact us.
Email: info@mygova.com
Phone: 833-825-6261
