THE LOAN OFFICER PODCAST
WEBSITE PRIVACY POLICY
Version 1.0
Last modified: May 8, 2023
Your privacy is important to The Loan Officer Podcast (“TLOP”). We want you to know what information we collect, use, disclose, transfer, and store based on your use of our Website, so we invite you to take a moment to read through our privacy practices and to <<Contact Us>> if you have any questions.
Please note that our Website is intended to be used by residents of the United States only. If you reside or are located outside the United States, you should discontinue using our Website and not otherwise affirmatively provide your personal information. We do not intentionally collect any personal information or personal data from any non-resident of the United States. If we receive such information, we will delete it immediately.
Table of Contents
Children Under the Age of 16
This Website Privacy Policy
What Categories of Personal Information Does TLOP Collect?
Sources of Personal Information Collected
Purposes of Collecting Personal Information
Collection and Use of Non-Personal Information
To Whom Personal Information is Sold or Shared
Cookies and Similar Technologies
Cookie Policy
Promotional Offers from TLOP
Targeted Advertising and Profiling
Accessing and Correcting Your Information
Opting-Out of Non-Essential Email or Text Communications
“Do-Not-Track” Signals
Protection of Your Personal Information
Retention of Your Personal Information
Changes to Our Privacy Policy
Data Privacy Questions
Contact Information
Children Under the Age of 16
Neither the Website nor our Services are directed to or intended for persons under 16 years of age, unless such person has obtained the consent of such person’s parent or guardian. We do not knowingly collect, sell or share personal information from persons under 16. If you are under 16, do not use or provide any information on this Website or through any of its features, register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.
If we discover that we have received personal information from a visitor under the age of 16 without the consent of the visitor’s parent or guardian, we will delete that information from our system as quickly as possible. If you believe we might have any information from or about a child under 16, please contact us using the information provided in the <<Contact Us>> section.
If you are under the age of 16 and would like to use our Website and Services, have your parent or guardian contact us using the information provided in the <<Contact Us>> section so that we may obtain the affirmative consent of your parent or guardian to the collection and use of your personal information as set out herein.
This Website Privacy Policy
This Privacy Policy applies to personal information collected:
- On this Website, https://tloponline.com/ (the “Website”), through our Website, the services, communications, and information offered through our Website (the “Services”), and anywhere else this Privacy Policy is posted;
- In email, text, and other electronic messages;
- Through our digital properties and Services;
- When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this Website.
This Policy does not apply to information collected by:
- Us offline or through any other means, including on any other website operated by TLOP or any third party;
- Any third party (including our affiliates, partners, and sponsors), including through any application or content that may link to or be accessible from or through the Website;
- To information publicly available from government records;
- To de-identified or aggregated consumer information.
By using the Website, you agree to us collecting, using, storing, disclosing and otherwise processing your personal information in accordance with this Privacy Policy. If you do not consent to the collection, use, storage, disclosure or other processing of your personal information as described in this Policy, you should discontinue using our Website and not otherwise affirmatively provide your personal information. This Policy may change from time to time (see <<Changes to Our Privacy Policy>>). Your continued use of this Website after we make changes is deemed to be acceptance of those changes. Please check the Policy periodically for updates.
What Categories of Personal Information Does TLOP Collect?
Personal information is data that identifies, relates to, describes, references, is reasonably capable of being associated with, is linked, or could reasonably be linked, directly or indirectly, with a particular consumer, household or device (“personal information”).
Personal Information Collected Directly From You
Examples of personal information that you may provide directly includes:
- Name;
- Email address;
- Postal address;
- Date and Month of birth;
- Any other identifier by which you may be identified online or offline.
We do not collect biometric information or sensory data on the Website. We do not collect non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. § 1232g, 34 C.F.R. Part 99)).
If you provide any personal information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their personal information in accordance with this Policy.
You are responsible for ensuring the accuracy of personal information you provide to us. Inaccurate information may affect your ability to use the Services, including the information you receive when using the Services and our ability to contact you. While you are not required to provide the personal information that we request, if you chose not to do so, we may not be able to provide you with our Services or respond to questions you may have.
Sources of Personal Information Collected Indirectly from You
We automatically collect and store certain types of information about your equipment, browsing actions and patterns, as well as your use of the Website. Examples of the type of personal information we may collect automatically include:
- IP address of the device you are using;
- Device ID;
- Location of your device;
- Browser type;
- Browsing history;
- Search history;
- Details about your activity on the Website, including pages visited, files or content viewed, time spent viewing content, how you got to the website, and download information;
- Information about other devices you may have used to access the Website;
- Products or services purchased or considered, credit/debit card number (not automatically saved), other purchasing or consuming tendencies on other websites;
- Mobile device information (e.g., operating system type and version; screen resolution; device language setting; device type, model, and manufacturer; mobile carrier; operating system; and other device attributes);
- Information about your internet connection or equipment you use to access the internet;
- Whether we have previous contact or relationships with you for business development purposes;
- Information about whether you’ve engaged with TLOP’s brand on social media platforms such as Facebook, LinkedIn, TikTok, and Instagram;
- Derived information reflecting employer name;
- Geographic location (city, state); and
- Information about what categories of websites you have browsed outside of our Website.
The information we collect automatically helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
- Estimate our audience size and usage patterns;
- Store information about your preferences, allowing us to customize our Website according to your individual interests;
- Speed up your searches; and
- Recognize you when you return to our Website.
See <<Cookies and Similar Technologies>> for information on technologies we may use for automatic data collection.
Sources of Personal Information Collected
We may collect personal information in the following ways:
- Directly from you when you provide it to us;
- When you visit our site or download information from our site;
- When you contact us;
- When you participate in our Online Community;
- When you participate in an online survey;
- Automatically as you navigate through the Website, including usage details, IP addresses, and information collected through cookies or other tracking technologies;
- From third parties, for example, our service providers; and
- If you interact with our Website by sharing on a social media platform, we may collect the information that you post.
Examples of the types of information we may receive from other sources are:
- Personal information, such as your name, personal and professional mailing address, email and phone number;
- Profile information, comments, and similar information provided to or on social networks and other forums that connect to us;
- Interests, demographic data, and purchasing behavior;
- Information collected from you offline or through other channels. For example:
- Information you provide when attending an event or other in-person function;
- Information you provide over the phone with us.
Some of the information we collect may, when combined with other information, be personal information that could be used to identify you. Such information is treated as personal information.
Purposes of Collecting Personal Information
We collect your personal information for the following purposes:
- To respond to your inquiries and provide support;
- To present our Website and its contents to you;
- To provide you with information or services that you request from us, such as registration for online or in-person events, and email alerts and updates;
- To allow you to sign up for free or paid membership accounts;
- To keep you posted on TLOP’s latest announcements and upcoming events;
- To provide you with information about us, our Services, and our business activities;
- To comply with any applicable COVID-19 tracing efforts;
- For customer service and customer support purposes;
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection activities;
- To facilitate payment or delivery of services requested;
- To help prevent transactional fraud;
- To provide you with support and respond to your inquiries, such as to investigate and address your concerns, and monitor and improve our responses;
- Speed up your searches;
- To provide, personalize, measure, and improve your experience with our Website and to deliver content, product and service offerings;
- Estimate our audience size and usage patterns;
- To help maintain and improve the safety, security, and integrity of our Website and Services;
- Recognize you when you return to our Website so that we can return you to where you were on the Website;
- To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website or Services is among the assets to be transferred;
- For testing, research, analysis, and product development, such as to develop and improve our Website, Services, databases, other technology assets, and other offerings;
- To respond to law enforcement requests as required by applicable law, court order or governmental regulation;
- To support our general business operations;
- To notify you about changes to our Website or Services;
- As described to you when collecting your personal information;
- To fulfill any other purpose for which you provide it; and
- For any other purpose with your consent.
TLOP does not use your personal information in a manner that may facilitate or promote illegal or inappropriate acts.
From time to time, we may use your personal information to send important notices, such as communications about our terms, conditions, and policies. Because this information is important to your interaction with TLOP, you may not opt out of receiving these communications.
Collection and Use of Non-Personal Information
We also collect data in a form that does not, on its own, allow us to identify a specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose. Examples of non-personal information that we collect and how we may use it are language, zip code, area code, referrer URL, and the time zone where a TLOP website or service is used or accessed so that we can better understand user behavior and improve our services. We also may collect information regarding user activities on our Website and from our other services and aggregate that information to help us provide more useful information to our users and to understand which parts of our Website and Services are of most interest. Aggregated data is considered non-personal information for the purposes of this Privacy Policy.
To Whom Personal Information is Sold or Shared
TLOP strives to collect only the personal information that we need. We do not sell or share your personal information in exchange for money.
We may share your personal information by disclosing it to a third party for a business purpose. We make these disclosures under written contracts that describe the purposes, require the recipient to keep the personal information confidential, and prohibit using the disclosed information for any purpose except performing the contract. These disclosures include:
- Our affiliates (such as companies that we own, that own us, or companies that share common ownership with us);
- Consultants, service providers, and other third parties that perform services on our behalf, such as data management and storage providers, analytics and research companies, professional advisors, social media partners, including Facebook, LinkedIn, TikTok, Instagram, YouTube, and Spotify;
- Law enforcement agencies, regulators, and courts in response to a court order, subpoena, regulatory requirements or similar legal process, to report any activities we reasonably believe to be unlawful, or as otherwise required by law;
- To combat fraud or criminal activity, and to protect our rights, users, and business partners, or as part of legal proceedings affecting TLOP;
- To another entity in connection with a merger, transfer of data assets, reorganization, divestiture, financing, dissolution, or similar corporate event involving all or part of our business;
- To enforce or apply our agreements, including for billing and collection purposes;
- If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of our company, our customers, or others;
- Where it is necessary to respond to a public health emergency, or in an emergency, to protect the safety of your health and property;
- To a reasonable extent, for purposes of carrying out news reporting and media monitoring for public interests; and
- Otherwise with your consent.
Cookies and Similar Technologies
We may use cookies, pixel tags, local storage, and other technologies to automatically collect information through the Website. These technologies allow us to understand who has interacted with us and also help us to operate our Website and Services more efficiently.
- Cookies. Cookies are small data files created by web browsers and downloaded onto your computer or other device when you access a website. Cookies help make your browsing experience with our Website more personal. Different cookies serve different purposes, such as recognizing your devices, storing information about your preferences, identifying the geographic area of a user, tracking browsing habits and preferences, recalling information entered on forms, login pages, or other features of the Website. This helps us understand how the Website is being used and is used to generally improve your browsing experience on the Website.
Session Cookies expire once you close your web browser. Persistent Cookies stay on your computer or mobile device until you delete them. For information on cookies that TLOP uses, please see our <<Cookie Policy>>.
- Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded on the Website that collects information about users’ engagement on the site. The use of a pixel allows us to record, for example, that a user has visited a particular web page.
- Tracking/Marketing/Advertising Cookies.
Tracking/Marketing/Advertising cookies track your online activity to help advertisers deliver more relevant advertising or to limit how many times you see an ad. These cookies can share that information with other organizations or advertisers. These are persistent cookies and usually originate with third-parties.
- Analytics Cookies. Google Analytics and Google Ads collect information regarding visitor behavior and visitor demographics for our Website. For more information on how Google uses your information, please see Google’s Privacy Policy, at https://policies.google.com/privacy?hl=en-US, and Google’s Advertising Policy, at https://policies.google.com/technologies/ads?hl=en-US.
- Social Media Cookies. Social media cookies are stored on your computer browser to help you log into your social media accounts faster. Social media companies may recognize you and collect information about your visit to our Website, and they may set a cookie or employ other tracking technologies. Your interactions with those features are governed by the privacy policies of those companies.
Categories of Cookies
There are different ways to classify cookies, including based on when they expire or whether they are managed by us or a third party.
| Type of Cookie | Description |
| First Party Cookies | First Party Cookies are those that may be managed by TLOP and originate from our Website. |
| Third Party Cookies | Third Party Cookies originate with service providers or business partners providing services on or through our Website, and can be used by these third parties to recognize your device when it visits other websites. Third Party Cookies may also be used for other purposes, such as analytics, advertising, and social media features. |
| Strictly Necessary | These cookies are necessary for the Website to function and cannot be switched off in our systems. Strictly necessary cookies are typically set in response to actions or services that you request, such as setting your privacy preferences, logging in, filling out a form, or putting items in a shopping basket. Strictly necessary cookies can also be used to manage sessions on load-balanced servers or to ensure user requests are routed consistently to the correct server. You can set your browser to block these cookies or to alert you about these cookies, but some parts of the Website will not work if you select such settings. |
| Performance Cookies | Performance cookies are sometimes called analytics cookies. These cookies count visits and traffic sources so the performance of our Website can be measured and improved, including determining whether a user is new or returning, distinguishing users from one another, and calculating new and returning visitor statistics. These cookies help us to know which pages are the most and least popular on the Website and to see how visitors move around the Website. For example, we use Google Analytics to help us understand how frequently the same people revisit the Website, how the Website is found (from advertising or referring websites), and which pages are most frequently viewed. All information collected through these performance cookies is aggregated and anonymous. This information is combined with data from a large number of other users to create an overall picture of Website use, and is not identified individually or personally and is not linked to any other information we store about you. |
Cookie Policy
What Cookies Do We Use?
TLOP uses Performance/Analytics cookies, First-Party Cookies, Third-Party Cookies, and Strictly Necessary Cookies. These cookies include:
| Cookie Name | Placed By | Expiration | Functionality | Purpose | Stored Personal Data |
| _ga_* | Google Analytics | 1 year | To store and count pageviews | Statistics | Not identified |
| _ga | Google Analytics | 2 years | To store and count pageviews | Statistics | Not identified |
| YSC | YouTube | Session | To store and track interaction | Marketing / Tracking | User ID |
| VISITOR_INFO1_LIVE | YouTube | 6 months | To provide bandwidth estimations | Functional | None |
| aiovg_rand_seed | https://tloponline.com/ | 1 day | To provide user with relevant videos | Preferences | Not identified |
| pmpro_visit | PaidMembership Pro | Session | To manage user memberships | Preferences | Not identified |
| CONSENT | YouTube | 2 years | To store cookie consent preferences | Functional | Not identified |
| yt-remote-device-id | YouTube | Never | To store user’s video preferences | Functional | Not identified |
| yt.innertube::requests | YouTube | Never | To register a unique ID to store data on videos user has seen | Unclassified | Not identified |
| yt.innertube::nextId | YouTube | Never | To register a unique ID to store data on videos user has seen | Unclassified | Not identified |
| yt-remote-connected-devices | YouTube | Never | To store user’s video preferences | Unclassified | Not identified |
Why Do We Use Cookies?
We use cookies to learn how you interact with our Website and to improve your experience and provide you additional functionality on the Website. We may also use pixels for the same purposes.
How Do Third Parties Use Cookies on our Website?
We work with limited third parties to provide certain services on the Website. These third parties include Facebook, LinkedIn, TikTok, Instagram, Youtube, and Spotify. They may use their own cookies to collect information about your actions on our Website. TLOP does not control third party cookies.
For more information on how these third party service providers collect and use information please refer to their privacy policies.
How do I Control Cookies?
If you choose, you can set your browser to reject cookies, or you can manually delete individual or all of the cookies on your computer by following your browser’s help file directions. However, if your browser is set to reject cookies or you manually delete cookies, this may alter your access and use of some of the pages and features on our Website.
Users can visit Google Analytics Opt-out Browser Add-on Download Page, https://tools.google.com/dlpage/gaoptout, for information on how to opt-out of Google Analytics.
You may also reject or block all or specific types of cookies from our Website by setting your preferences. You can change those preferences at any time.
You may also visit https://allaboutcookies.org/ or https://www.aboutcookies.org/ for details on how to delete, reject, or block cookies and for further information on cookies generally.
Promotional Offers from TLOP
If you do not wish to have your email address or other contact information used by TLOP to promote our products or services, you can opt-out by contacting us via the contact information provided in the <<Contact Us>> section. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt-out does not apply to information provided to TLOP as a result of a contractual relationship you may have with us.
Targeted Advertising and Profiling
TLOP does not engage in targeted advertising or profiling.
Accessing and Correcting Your Information
If you have created an account on our Website, then you can review and change your personal information by logging into the Website and visiting your account profile page.
You may also <<Contact Us>> to request access to, correct, obtain, or delete any personal information that you have provided to us. In some instances, we cannot delete all your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement, cause the information to be incorrect, or the request is otherwise subject to a legal exception.
Opting-Out of Non-Essential Email or Text Communications
If you do not wish to receive email or text communications from us, you may opt-out of receiving such communications by emailing or writing to us as provided in the <<Contact Us>> section below. You may also reply to the email or text in question and request that you receive no further correspondence from us. You may follow this same procedure to change or update information you have previously provided to us.
Your election not to receive promotional and marketing correspondence from us will not (a) preclude us from corresponding with you, by email, text or otherwise, regarding your existing or past relationship with us, nor (b) preclude us, including our employees, contractors, agents and other representatives, from accessing and viewing your personal information while maintaining and improving the Website.
“Do-Not-Track” Signals
Some web browsers may transmit “do-not-track” signals to Website with which the user communicates. The Website does not monitor or identify “do not track signals,” and such signals will not impact the operation of this Website.
Protection of Your Personal Information
TLOP takes the security of your personal information very seriously. TLOP protects your personal information both during transit and storage using industry-standard encryption and limits access to your personal information as appropriate. When you use some TLOP services or applications or post on a TLOP forum or social networking service, the personal information and content you share is visible to other users and can be read, collected, or used by them. You are responsible for the personal information you choose to share or submit in these instances. TLOP will retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
We protect the personal information we may collect from the Website by using industry standard security precautions against loss and unauthorized access, destruction, use, modification or disclosure of that information. We comply with the security safeguards detailed in our computer security policies and procedures, and routinely monitor that compliance. When credit card or other financial information is transmitted over the Internet we use industry standard SSL (secure socket layer) encryption to protect that information.
You also share certain responsibilities to ensure the safety and security of your information. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. If you have an account with us and have reason to believe your password has been obtained by a third party without your consent, please reset your password in your account settings and/or the device(s) you use to access the Website. You may also contact us immediately through the contact information in the <<Contact Us>> section to inform us of this issue.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Retention of Your Personal Information
TLOP may retain your personal information for as long as it is required for a legitimate business purpose, to comply with its statutory obligations, to comply with contractual obligations between you and TLOP, to perform ongoing due diligence processes, and/or to assert or defend against legal claims.
If you provide us with your personal information and do not have an account with us, we will retain your information for a period required to comply with any legal, regulatory or legitimate business requirements. We may also retain aggregated information beyond this time for research purposes and to help us develop and improve our services. You cannot be identified from aggregate information retained or used for these purposes.
Changes to Our Privacy Policy
We may revise this Privacy Policy from time to time as we add new features, as our business operations change affecting the use of personal information, or as laws change that may affect our Website or Services. If we make material changes to this Privacy Policy, we will post a new date at the beginning of this Privacy Policy of when Policy was last revised. You are responsible for periodically visiting our Website and this Privacy Policy to check for any changes.
Data Privacy Questions
If you have any questions or concerns about TLOP’s Privacy Policy or data processing or if you would like to make a complaint about a possible breach of local privacy laws, please <<Contact Us>>.
Contact Information
If you have any questions, concerns, or comments about this Privacy Policy, or to exercise any of your data privacy rights, you may contact us at:
TLOP
theloanofficerpodcast@gmail.com