Rising Sun Group, LLC
Privacy Policy
Rising Sun Group, LLC, dba Rising Sun Lending, values your patronage and protecting your confidential information is a priority. Our policies and procedures reinforce the fact that Rising Sun Lending strongly believes in protecting the confidentiality and security of the information we collect about you as a customer, potential customer, or former customer. We have adopted the following policies and procedures that apply to all internet websites that Rising Sun Lending operates to safeguard the personal information about you in our possession.
Introduction
Our Privacy Pledge
- We do not sell or rent customer information.
- We share customer information with certain employees and with companies providing services on our behalf in order to service your needs.
- Our policy is to require all employees and companies providing services on our behalf to keep customer information confidential.
- Our privacy policy applies to potential customers as well as current and former customers.
Safeguarding Personally Identifiable Information
- We have adopted policies and procedures designed to protect your personally identifiable information from unauthorized use or disclosure.
- We have implemented physical, electronic and procedural safeguards to maintain confidentiality and integrity of the personal information in our possession and to guard against unauthorized access. These include among other things, procedures for controlling access to customer files, building security programs and information technology security measures such as the use of passwords, firewalls, virus prevention and use detection software.
- We continue to assess new technology as it becomes available and to upgrade our physical and electronic security systems as appropriate.
- Our policy is to permit employees to access your personal information only if they have a business purpose for using such information, such as administering, providing or developing our products or services.
- Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.
Information We Collect About You
We collect information about you to help us serve your financial needs, to provide you with quality products and services and to fulfill legal and regulatory requirements. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:
- Enabling our financial services partners to implement automatic payments and funds transfer
- Contacting you if there is a problem completing a transaction you requested or to discuss a problem with your account
- Implementing collection activities as needed
- Maintaining regular communications with you as may be necessary to execute loan application, loan agreement and certain stipulations such as identity verification, income verification and employment verification
- Our policy, which governs the conduct of all of our employees, requires all employees to safeguard personally identifiable information about the consumers and customers we serve or have served in the past.
In addition, we gather names and email addresses of people who contact us
through our website with questions about our company or lending operations.
We collect this information for the sole purpose of responding to such inquiries
and do not store the contact information unless requested by these people.
Lastly, we (and/or our service providers) collect information about your
computer and your visits to our website, such as your IP address, geographical
location, browser type, referral source, length of visit, and page views through
the use of log files. We (and/or our service providers) use this aggregated
information in the administration of our website to improve its usability and to
evaluate the success of particular marketing/advertising campaigns, search
engine optimization strategies, and other marketing activities. We (and/or our
service providers) use non-identifying and aggregated information to help
optimize our website based on the needs of our users. Additionally, third parties
may collect certain similar information about your computer and other pages
you may visit when you visit our website, as discussed further below.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as
necessary to comply with our legal obligations, resolve disputes, and enforce
our agreements.
Communications from Our Site, Including Sites of Our Affiliates
Links to Third Party Websites
Rising Sun Lending is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to websites that are owned or operated by companies other than Rising Sun Lending (“third-party websites”) are provided solely as an access point to obtain information on products and topics that may be useful to the users of Rising Sun Lending website. Third-party websites may have different privacy policies and/or security standards governing their sites. When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the third-party website before providing any information on that website.
Testimonials
Rising Sun Lending may display personal testimonials of satisfied customers on our sites in addition to other endorsements. With your consent we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at info@risingunslending.com.
Compliance with State and Federal Laws
This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.
Session time-outs
We employ session time-outs to protect your account. You will be logged out of the site automatically after a specified period of inactivity. This time-out feature reduces the risk of others being able to access your account if you leave your computer unattended.
Passwords
At a minimum, we require the use of both numbers and letters in your password. We have also instituted secure steps by which you can regain access to your account should you forget your password, including the use of a security question. Your password is not known to any employee or third party with whom we may partner, and we will never ask for your password as a means of identifying yourself. You should never share your password with anyone, and if you ever receive an email purporting to come from Rising Sun Lending that asks for your password, you should immediately contact us.
What you can do
You can take several precautions to protect the security of your computer and personal information. For instance, you can start by using a well-chosen password. You should avoid using any information that others can easily learn about you, such as a family member’s name or birthday, and you can also use specifically characters in place of letters. We also recommend that you change your password often. You can also install and update antivirus and firewall software to protect your computer from external attacks by malicious users. When you are finished with a session on our site, be sure that you log out and close the browser window.
To protect your account, we send automatic notifications confirming certain actions taken on your account, such as changes to a password or external linked account. We do this for your own protection so that you can be sure no one else is making changes to your account without your knowledge. However, the security offered through these notifications can be undermined if other people have access to your email account. Therefore, you might consider restricting access to the email account you registered with on this site and/or changing your password on that email account frequently.
If you use a computer that is accessed by other people, such as in a public library or internet café, we recommend that you take special precautions to protect the security of your account and personal data. When you are finished using your site, you should log out completely, then close the browser window and clear the browser’s cache file.
You should also be aware of fraudulent attempts to gain access to your account information known as “phishing”. Phishing is a tactic used by scammers in which unsuspecting people are brought to a website by a genuine- looking email purporting to be from a legitimate company. The phony or “spoof” email takes the person to a website that looks legitimate but in fact is not. Either in the email itself or on this fake site, scammers will ask for login information to gain access to people’s accounts and withdraw their money. Rising Sun Lending will never ask for login information to gain access to customer’s account and access sensitive information. Rising Sun Lending will never ask you for your login information in the context of any email, physical mail, phone call or otherwise. In general, you can protect yourself against phishing by never providing personal or login information via an email instead, go to the website directly. You might also make it a habit to check the URL of a website to be sure that it begins with the correct domain.
Changes to Our Privacy Policy
We may make changes to our privacy policy in the future. If you choose to receive e-mail messages or newsletters from us, you may later modify your choice by contacting us at phone number 1-844-777-9988. You will also be given the opportunity, in any general bulk commercial e-mail that we send to you, to opt out of receiving such messages in the future. We will attempt to address your request immediately but it may take up to ten (10) days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as processing requests, conditional loan offers, requests for additional information, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. Note: If we have already provided your information to a third party as part of your loan application then you may have to change your preferences directly with that third party.
Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at phone number 1-844-777-9988. Our employees are trained through Policies and Procedures to take action on your instructions within thirty (30) days. Please note that we may still need to contact you for legitimate business reasons such as servicing of your loan or other non-marketing purposes.
Changes to Our Privacy Policy
If you have any questions about this privacy policy, please write us at:
Rising Sun Group, LLC
610 Professional Drive • Suite 280
Gaithersburg, MD 20879
info@risingsunlending.com
Effective Date of this Policy: 10/19/2021.