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Privacy & Terms Of Use 2018-07-12T13:04:03+00:00

Last Updated 7/11/2018

THE PRIVATE MONEY LENDING GUIDE is committed to protecting your privacy. This privacy policy tells you about our online collection, use and disclosure of personal information. The terms of this policy apply to all personal and business information collected on the website PrivateMoneyLendingGuide.com and other sites, in the United States or in other countries, which may be connected to PrivateMoneyLendingGuide.com.

This site is operated by Affinity Worldwide and may be accessed in the United States and abroad. For personal information protection purposes, Affinity Worldwide is the controller and, unless otherwise noted, is also the processor of the information. Information collected may be retained as long as it is reasonably required for the purposes it was collected.

CONSENT TO COLLECT YOUR PERSONAL INFORMATION: When you visit this site, certain non-personal information, such as the website that referred you to us, your IP address, browser type and language, and access times, may be collected automatically as part of the site’s operation. We also may collect navigational information, including information about the pages you view, the links you click, and other actions taken in connection with the site. Demographic information (e.g., your occupation, hobbies, gender, or interests) may also be collected and may be linked to your personal information.

We only collect personal information about you after you have provided us with your consent to collect that specific information. By voluntarily providing this information to us, you consent to the collection and use of your personal information as set out in this privacy policy.

INFORMATION COLLECTED INCLUDES

  1. Information collected when you send an email inquiry from the site, including the directory search parameters you provided and the content of any fields into which you enter information.
  2. Information collected when you sign up for our email newsletter including your name and email address.
  3. Information collected when you make a purchase including your credit card number and billing address.
  4. Information collected, if you are a LENDER and sign up for our Lender Directory, including your name, company, photo, mailing address, email, phone, company description and any other information you provide to be included in your listing.

You may always choose not to provide personal information, but if you so choose, certain products and services may not be available to you.

USE OF YOUR PERSONAL INFORMATION. Affinity Worldwide collects and uses your personal information to:

  • process your email inquiries or newsletter subscriptions;
  • include your profile in our directory and website posts and pages;
  • process your transactions;
  • provide customer service;
  • perform research and analysis aimed at improving our products, services and technologies;
  • display content that is customized to your interests and preferences;
  • communicate with you about your transactions, new products and services. We may send transaction-related communications such as welcome emails and purchase confirmations. We may also send you surveys or marketing communications to inform you of new products or services or other information or offers that may be of interest. These surveys or marketing communications may come from Affinity Worldwide or its subsidiaries. If you do not wish to receive surveys or marketing communications, you may email an unsubscribe request to info@privatemoneylendingguide.com

Personal information collected by Affinity Worldwide may be stored and processed in the United States or any other country in which Affinity Worldwide or its parent, affiliates, subsidiaries or agents maintain facilities, and by providing us with your personal information and using our sites or services, you consent to any such transfer of information outside of your country.

DISCLOSING YOUR PERSONAL INFORMATION. Except as set out in this privacy policy, Affinity Worldwide does not disclose or sell your personal or business information to any third-parties.

We may disclose your information to third-party service providers who perform services on our behalf. For example, we may hire other companies to handle the processing of payments, to provide data storage, to host websites, to fulfill orders and shipments, to assist in marketing, to conduct audits, etc. Those third-party service providers (i) shall be permitted to obtain only the information they need to provide the service, (ii) must protect information to the same extent as Affinity Worldwide, and (iii) shall be prohibited from using it for any other purpose.

ACCESSING YOUR PERSONAL INFORMATION. If you would like to review or revise information that you previously provided to us, you may contact Customer Service by email at info@privatemoneylendingguide.com for assistance.

INFORMATION PREFERENCES. If you decide that you do not want to receive marketing communications from us, please let us know by contacting your Customer Service by email at info@privatemoneylendingguide.com.

If you choose not to receive marketing communications, you will continue to receive transactional or directory communications (e.g., confirmation emails and profile updates).

USE OF COOKIES AND OTHER TECHNOLOGIES.  Affinity Worldwide uses “cookies” to enable you to sign in to our services and to help personalize your online experience. A cookie is a small text file that is placed on your hard drive. Cookies contain information, including personal information, which can later be read by a web server in the domain that issued the cookie to you. The information that cookies collect includes the date and time of your visit, your registration information, session identification number and your navigational history and preferences.

Cookies offer you many conveniences. They allow us to identify registered users when they return to the site and could also save you time by eliminating the need to repeatedly enter the same information.

In some cases, our third-party service providers may use cookies on our sites. We have no access to or control over these cookies. This privacy statement covers the use of cookies by Affinity Worldwide only, and does not cover the use of cookies by third parties.

You have the ability to accept or decline cookies. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, you may not be able to sign in or use other interactive features of our sites and services that depend on cookies but you will be able to perform basic navigation through the site.

In addition to cookies, we may use other technologies, including single-pixel gifs (also known as web beacons) on our Web sites and in promotional e-mail messages or newsletters. These tiny electronic images assist us in determining how many users have visited certain pages or opened messages or newsletters. We do not use these images to collect personal information.

SECURITY OF YOUR PERSONAL INFORMATION. The security of your personal information is important to us. We follow generally accepted industry standards to help protect your information including without limitation:

  • limiting access to your personal information to those of our employees who require it to provide services to you;
  • requiring employees to sign confidentiality agreements to protect customer and other confidential information;
  • requiring third-party service providers to sign confidentiality agreements to maintain the confidentiality of your personal information and not to use it for any unauthorized purposes;
  • encrypting credit card information on our order forms using secure socket layer (SSL) technology; and
  • storing your personal information in secure computer systems which protect it from unauthorized access or use.

No method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

If a password is used to protect your account and personal information, it is your responsibility to select a strong password not readily subject to determination by others and to keep your password confidential.

 LINKS. We may link to Web sites, including those of our subsidiaries and third-party content providers, which have different privacy policies and practices from those disclosed here. We assume no responsibility and shall not be liable for or arising from the policies or practices of such linked sites, and encourage you to become acquainted with them prior to use.

CHANGES TO THE PRIVACY POLICY. We reserve the right to change the terms of this privacy policy at any time. When we make changes, we will revise the “last updated” date at the top of the policy. If there are material changes to this statement or in how Affinity Worldwide will use your personal information, we will notify you by prominently posting a notice of such changes here or on our home page, or by sending you an email. We encourage you to review this policy whenever you visit one of our sites.

Last Updated 7/11/2018

THIS AGREEMENT governs your use of the Private Money Lending Guide website. This website is owned and operated by Affinity Worldwide. Access to and use of this website is provided by Affinity Worldwide to you on condition that you accept these Terms of Use, and by accessing or using this website, you acknowledge that you have read and accept these Terms of Use and that your access to and use of this website shall be subject to these Terms of Use. If you do not agree to accept and abide by these Terms of Use you should not access or use this website.

Affinity Worldwide may revise and update these Terms of Use at any time and without notice. You are cautioned to review the Terms of Use posted on the website periodically. Your continued access or use of this website after any such changes are posted will constitute your acceptance of these changes.

You may not interfere with the security of or otherwise abuse this website or any system resources, services or networks connected to or accessible through this website. You may use this website only for lawful purposes.

DISCLAIMER AND LIMITATIONS OF USE. The contents, text, images, data, forms, articles, questions and answers, discussions, legal and financial information and other materials (“Content”) contained and maintained on the Private Money Lending Guide are for informational or educational purposes only and no Content or portion of this website should be construed as, or relied upon as, legal, financial or investment advice; as the providing of legal, financial or investment services or as the recommendation of forms or of the opinions from author of Content. Neither viewing this website, nor the transmission or receipt of materials in connection with this website, shall create any attorney-client, confidential or fiduciary relationship between Affinity Worldwide, its website contributors and you, or between Affinity Worldwide, its website contributors and any entity which you represent.

INTELLECTUAL PROPERTY. All materials (including the organization, design, and presentation of such materials) on this website (the “Materials”) are the exclusive property of Affinity Worldwide and may be protected by intellectual property laws including laws relating to copyrights, trade-marks, trade-names, internet domain names, and other similar rights.  Users may view this website and download and print copies of the Content for individual use only and only in accordance with the intended purposes of this website, so long as such use is consistent with these Terms of Use and with applicable laws. Any other copying, distribution, retransmission, or modification of Content without the express prior written permission of the Affinity Worldwide, or its contributors, is strictly prohibited.

© 2018 Affinity Worldwide. All rights reserved.

PRIVACY. Affinity Worldwide is committed to respecting the privacy of the personal and company information of the individuals and businesses with whom we interact. Please see our Privacy Policy for further details.

CONTENT ON THE WEBSITE. Affinity Worldwide updates the information on this website regularly. However, Affinity Worldwide cannot guarantee and does not accept any responsibility or liability for the accuracy, currency or completeness of the information on this website. This website, its content and its links are provided on an as-is basis and are to be viewed and/or used only at the sole risk of User, to the fullest extent permitted by law. Affinity Worldwide may revise, supplement or delete information, services and/or the resources contained in the website at any time, for any reason, and reserves the right to make such changes without prior notification to past, current or prospective visitors.

LINKED WEBSITES. This website may provide links to third party websites for your convenience only. The inclusion of these links does not imply that Affinity Worldwide monitors or endorses these websites. Affinity Worldwide does not accept any responsibility for such websites or their content. Affinity Worldwide shall not be responsible or liable, directly or indirectly, for any damage or loss, caused or alleged to be caused by or in connection with the use of or the reliance upon any information, content, goods or services available on or through any third party websites or linked resources.

INTERNET SOFTWARE OR COMPUTER VIRUSES. Due to technical difficulties with the Internet, Internet software or transmission problems could produce inaccurate or incomplete copies of information contained on this website. Computer viruses or other destructive programs may also be inadvertently downloaded from this website.

Affinity Worldwide shall not be responsible or liable for any software, computer viruses or other destructive, harmful or disruptive files or programs that may infect or otherwise impact the use of your computer equipment or other property on account of your access to, use of, or browsing on this website or your downloading of any of the Materials from this website. Affinity Worldwide recommends that you install appropriate anti-virus or other protective software.

WEBSITE AND MATERIALS PROVIDED “AS IS.  HIS WEBSITE AND THE MATERIALS ARE PROVIDED “AS IS” WITHOUT REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED REPRESENTATIONS, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. AFFINITY WORLDWIDE DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR THE MATERIALS WILL MEET YOUR REQUIREMENTS OR THAT THEIR USE WILL BE UNINTERRUPTED OR ERROR FREE.

LIMITATION OF LIABILITY. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR USE OF THIS WEBSITE AND THE MATERIALS INCLUDING WITHOUT LIMITATION ANY OF THE INFORMATION CONTAINED HEREIN OR THEREIN.

IN NO EVENT SHALL AFFINITY WORLDWIDE OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR ANY OTHER PECUNIARY LOSS) IN CONNECTION WITH ANY CLAIM, LOSS, DAMAGE, ACTION, SUIT OR OTHER PROCEEDING ARISING UNDER OR OUT OF THESE TERMS OF USE, INCLUDING WITHOUT LIMITATION YOUR USE OF, RELIANCE UPON, ACCESS TO, OR EXPLOITATION OF THIS WEBSITE, THE MATERIALS OR ANY PART THEREOF, OR ANY RIGHTS GRANTED TO YOU HEREUNDER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER THE ACTION IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHERWISE.

IN ANY EVENT, THE TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS OF USE OR THE USE OR EXPLOITATION OF ANY OR ALL PART OF THIS WEBSITE OR THE MATERIALS IN ANY MANNER WHATSOEVER SHALL BE LIMITED TO THE LESSER OF (A) FIVE ($5.00) U.S. DOLLARS, OR (B) THE LOWEST AMOUNT TO WHICH AFFINITY WORLDWIDE MAY LIMIT ITS TOTAL MAXIMUM AGGREGATE LIABILITY IN ACCORDANCE WITH APPLICABLE LAW.

SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE LIABILITY OF AFFINITY WORLDWIDE OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

INDEMNIFICATION. You agree to indemnify and hold Affinity Worldwide harmless from and against all claims or liability of any nature, kind, or amount whatsoever asserted against Affinity Worldwide arising out of or in connection with your access to or use of this website or the Materials or any breach by you or anyone acting on your behalf of any of these Terms of Use.

EMAIL. Feel free to email Affinity Worldwide at info@privatemoneylendingguide.com. However, the Internet is not a fully secure medium and any communication may be lost, intercepted or altered. Affinity Worldwide shall not be liable for any damages related to communications or attempted communications to or from this website. You agree with respect to any information provided by you to us through this website or via e-mail that:

  • Affinity Worldwide has no obligation concerning such information except as provided for in our Privacy Policy;
  • The information is non-confidential except as provided for in our Privacy Policy;
  • Affinity Worldwide may use, disclose, distribute or copy the information and may use any ideas, concepts or know-how contained in the information for any purpose without compensation; and
  • The information is truthful and disclosure of the information does not violate the legal rights of others.

APPLICABLE LAW. This website is controlled, operated and administered by Affinity Worldwide from Kansas City, Missouri. This website can be accessed from anywhere in the United States, all provinces and territories of Canada, as well as from other countries around the world. Each of these jurisdictions has laws that may differ from or conflict with those of Missouri, but by accessing this website, you voluntarily and intentionally waive the application of all laws that differ from or conflict with Missouri law to the fullest extent that such differing or conflicting laws may be waived, and you acknowledge and agree that all matters relating to access to or use of this website or the Materials shall be governed by the laws of the State of Missouri, United States of America, and the federal laws of the United States of America (without reference to conflicts of laws principles).

You also agree that any claims or disputes whatsoever arising hereunder shall be submitted to the exclusive jurisdiction and venue of the courts of the state of Missouri and acknowledge that you do so voluntarily.

GENERAL. Affinity Worldwide’s failure in any instance or multiple instances to insist upon or enforce strict performance by you or any other person or entity of any provision of these Terms of Use shall not be construed as a waiver of any provision or right and shall not be asserted or construed as a pattern, custom, or practice inconsistent with or in abrogation of any provision hereof.

If any provision or part thereof of these Terms of Use is wholly or partially unenforceable the parties or, in the event the parties are unable to agree, a court of competent jurisdiction, shall put in place thereof an enforceable provision or provisions, or part thereof, that as nearly as possible reflects the original intent of the parties.

CONTACT. If you have concerns relating to this website or these Terms of Use, please contact PMLG at info@privatemoneylendingguide.com.