Privacy Policy

Below is our policy on what we do with data we collect from our users. Privacy Statement

Effective Date: January 1, 2017

For additional information about how we collect, use, and disclose your personal information in connection with our products or services.


Effn Media Inc. 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 Effn Media Inc. 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.


Effn Media Inc. may use the information we collect from and about you to:

Evaluate your creditworthiness in response to a pre-approved 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.


Effn Media Inc. may share the information we collect from and about you: (1) to our Service funding partners and 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 Effn Media Inc.'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)&nbsp;<strong>Disclosure of Information to Participating Service Providers of Services.&nbsp;</strong>Company will disclose your Personal Information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO our participating service providers, as authorized by you, which include: lenders, agents, and debt management firms FOR ANY PURPOSE IN OUR SOLE DISCRETION. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out (See Opt-Out below). We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of Company. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, described to you at the point of collection.

Effn Media Inc. 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.


Effn Media Inc. 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.


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.


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.


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.


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. Or you may contact us.


If you have any questions about this Privacy Statement or the practices described herein, you may contact us at 1-801-913-8462.