PRIAVACY POLICY

Privacy Policy

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

Interpretation, Definitions & Legal References

Interpretation

Words with capitalized initial letters have meanings specified under the following conditions.

The provided definitions maintain the same significance whether presented in singular or plural form.

Definitions and Legal references

In the context of this Privacy Policy:

  • This Website (or this Application): The property that enables the provision of the Service.
  • Owner (or We): CobraloanTools - The natural person(s) or legal entity that provides this Website and/or the Service to Users.
  • You : The person who accesses or utilizes the Service, or the organization or legal entity that the individual represents while accessing or using the Service, as applicable. In the context of the General Data Protection Regulation (GDPR), You may be denoted as the Data Subject or referred to as the User, signifying that you are the individual using the Service."
  • Company : The entity (referred to as either "the Company," "We," "Us," or "Our" in this Agreement) is identified as CobraloanTools located at Opp M K Brothers Indl Est, Andheri Kurla Rd, Jarimari, Andheri (west) . In the context of the GDPR, the Company serves as the Data Controller.
  • Affiliate : An entity that has control over, is controlled by, or is under common control with another party. In this context, "control" implies ownership of 50% or more of the shares, equity interest, or other securities that carry voting rights for the election of directors or other managing authorities.
  • Account : A distinct user account established for your access to our Service or specific sections of our Service.
  • Service : The service provided by this Website as described in these Terms and on this Website.
  • Country : Delaware, United States
  • Service Provider : Any individual or legal entity processing data on behalf of the Company. This term encompasses third-party entities or individuals engaged by the Company to support, deliver, or perform services related to the Service, or aid the Company in analyzing Service usage. In the context of the GDPR, Service Providers are categorized as Data Processors.
  • Third-party Social Media Service: It is defined as any website or social network platform where a User can log in or establish an account for accessing the Service.
  • The Facebook Fan Page: A public profile uniquely established by the Company on the Facebook social network and can be accessed at
  • Personal Data : Any information that relates to an identified or identifiable individual. For the purposes for GDPR, Personal Data means any information relating to You such as a name, an identification number, location data, online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity.
    For the purposes of the CCPA, Personal Data means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with You.
  • Personally Identifiable Information : Refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains.
    Under GDPR, Personal Data refers to any information about you, including but not limited to your name, identification number, location data, online identifier, or factors related to your physical, physiological, genetic, mental, economic, cultural, or social identity.
    According to the CCPA, Personal Data encompasses information that identifies, relates to, describes, or can be associated with you. This includes data that could reasonably be linked, either directly or indirectly, to you.
  • Cookies : A cookie is a string of information that a website stores on a visitor’s computer, mobile device or any other device, including information about Your browsing history on the website as one of its various functions.
  • Data Controller : For the purposes of the GDPR (General Data Protection Regulation), it refers to the Company as the legal person which alone or jointly with others determines the purposes and means of the processing of Personal Data.
  • This Website (or this Application): The property that enables the provision of the Service.
  • Device : Any tool capable of accessing the Service, such as a computer, cellphone, or digital tablet.
  • Usage Data : It refers to any information collected automatically, either generated through the utilization of the Service or derived from the Service infrastructure itself (e.g., the duration of a page visit).
  • Business : As defined by the CCPA (California Consumer Privacy Act), it pertains to the Company serving as the legal entity responsible for collecting consumers' personal information. It is the entity that not only determines the purposes and means of processing such information but also oversees its collection either directly or on behalf of another entity. Whether operating independently or in collaboration with others, this entity plays a pivotal role in deciding how consumers' personal information is processed and conducts its operations within the State of California.
  • Consumer : As outlined by the CCPA (California Consumer Privacy Act), is defined as a natural person who meets the criteria of being a California resident. This residency status, as specified in the legislation, includes two key classifications: firstly, any individual present in the USA for reasons other than a temporary or transitory purpose, and secondly, any individual domiciled in the USA who temporarily resides outside the country for a temporary or transitory purpose.
  • Sale : In the context of the CCPA (California Consumer Privacy Act), refers to the act of selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating a Consumer's personal information to another business or a third party. This exchange occurs through various mediums, including oral, written, electronic, or other means, and involves the transfer of such information in return for monetary or other valuable consideration.

What Personally Identifiable Information is collected?

Types of Data Collected

Personal Data

  • First Name and Last Name
  • Email address
  • Phone number
  • Address, City, State, Province, ZIP or Postal code
  • Social media profile information

Usage Data

Usage Data is automatically gathered during your use of the Service.

This may encompass details such as your Device's Internet Protocol address (e.g., IP address), browser type, browser version, the specific pages you visit on our Service, the date and time of your visit, the duration spent on those pages, unique device identifiers, and additional diagnostic data.

When you connect to the Service via a mobile device, we may automatically collect certain information, including, but not limited to, the kind of mobile device you utilize, your mobile device's unique ID, your mobile device's IP address, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers, and other diagnostic data.

Moreover, we may gather information that your browser transmits whenever you visit our Service, whether through a traditional browser or a mobile device.

Tracking Technologies and Cookies

We utilize Cookies and similar tracking technologies to monitor activity on Our Service and store specific information. The tracking technologies employed include beacons, tags, and scripts, serving to collect and track data, as well as enhance and analyze Our Service. The technologies in use may involve :

  • Cookies or Browser Cookies : These are small files placed on Your Device. You can instruct your browser to reject all Cookies or notify You when a Cookie is being sent. However, if You decline Cookies, certain parts of Our Service may become inaccessible. Unless You adjust your browser settings to refuse Cookies, Our Service may use them.
  • Web Beacons : Certain sections of Our Service and Our emails may contain small electronic files referred to as web beacons (also known as, pixel tags, clear gifs and single-pixel gifs). These files enable the Company, for instance, to tally users who have visited specific pages or opened an email, and they contribute to other pertinent website statistics (such as tracking the popularity of a particular section and verifying system and server integrity).
  • Flash Cookies : Some features of Our Service may employ locally stored objects (Flash Cookies) to gather and store information about Your preferences or activity on Our Service. Note that Flash Cookies are managed separately from the browser settings used for Browser Cookies. For details on deleting Flash Cookies, refer to the information available at Adobe's guide.

There are two types of cookies: "Persistent" and "Session" Cookies. Persistent Cookies persist on your personal computer or mobile device even when you go offline, whereas Session Cookies are deleted when you close your web browser. We employ both Session and Persistent Cookies for the following purposes:

  • Necessary / Essential Cookies :
    Type : Session Cookies
    Administered by : Us
    Purpose : Essential for providing services on the website and enabling specific features. These Cookies authenticate users and prevent fraudulent use of user accounts. Without them, requested services cannot be provided, and they are used solely for service provision.
  • Cookies Policy / Notice Acceptance Cookies :
    Type : Persistent Cookies
    Administered by : Us
    Purpose : Identify if users have accepted the use of cookies on the website.
  • Functionality Cookies :
    Type: Persistent Cookies
    Administered by : Us
    Purpose : Remember choices made on the website, such as login details or language preference, to enhance user experience and eliminate the need to re-enter preferences.
  • Tracking and Performance Cookies :
    Type : Persistent Cookies
    Administered by : Third-Parties
    Purpose : Used to track information about website traffic and user interactions. The collected information may indirectly identify individual visitors and is associated with a pseudonymous identifier linked to the accessing device. Additionally, these Cookies may be used to test new pages, features, or functionality.
  • Targeting and Advertising Cookies :
    Type : Persistent Cookies
    Administered by : Third-Parties
    Purpose : Track browsing habits to display advertising likely to be of interest. These Cookies use browsing history to group users with similar interests. With permission, third-party advertisers place Cookies to show relevant adverts on third-party websites.

For more details about the cookies we use and your choices concerning cookies, please refer to our Cookies Policy.

Utilization of Your Personal Data

The company may employ Personal Data for the following purposes :

  • To Provide and Maintain Our Service : Monitor the usage of our Service.
  • To Manage Your Account : Manage your registration as a user, providing access to various Service functionalities.
  • For the Performance of a Contract : Develop, comply with, and undertake purchase contracts for products, items, or services.
  • To Contact You : Utilize email, telephone calls, SMS, or other electronic communication forms for updates, security notifications, and informative communications related to Service functionalities, products, or contracted services.
  • To Provide News, Special Offers, and General Information : Deliver information about goods, services, and events similar to those you've purchased or inquired about, unless you opt out.
  • To Manage Your Requests : Attend and manage your requests.
  • To Deliver Targeted Advertising : Develop and display tailored content and advertising, working with third-party vendors, and measuring effectiveness.
  • For Business Transfers : Evaluate or conduct mergers, sales, restructuring, or other transfers of assets, including Personal Data in such transactions.
  • For Other Purposes : Utilize information for data analysis, identifying usage trends, evaluating promotional campaign effectiveness, and enhancing Service, products, services, marketing, and user experience.

Sharing Your Personal Information :

  • With Service Providers : Share personal information for Service monitoring, advertisement display, and payment processing.
  • For Business Transfers : Share or transfer personal information during negotiations of mergers, sales, financing, or acquisitions.
  • With Affiliates : Share information with affiliates, ensuring compliance with this Privacy Policy.
  • With Business Partners : Share information with business partners for offering specific products, services, or promotions.
  • With Other Users : Information shared in public areas may be viewed and distributed by all users. Interactions on Third-Party Social Media Services may be visible to contacts on those platforms.
  • With Your Consent : Disclose personal information for any other purpose with your explicit consent.

Retention of Your Personal Data

Personal Data shall be processed and stored for as long as required by the purpose they have been collected for.

Therefore :

Personal Data collected for purposes related to the performance of a contract between the Owner and the User shall be retained until such contract has been fully performed.

Personal Data collected for the purposes of the Owner’s legitimate interests shall be retained as long as needed to fulfill such purposes. Users may find specific information regarding the legitimate interests pursued by the Owner within the relevant sections of this document or by contacting the Owner.

The Owner may be allowed to retain Personal Data for a longer period whenever the User has given consent to such processing, as long as such consent is not withdrawn. Furthermore, the Owner may be obliged to retain Personal Data for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority.

The Company will also preserve Usage Data for internal analysis purposes. Typically, Usage Data is retained for a shorter duration, unless its retention is essential for enhancing security, improving the functionality of Our Service, or complying with legal obligations that necessitate the prolonged retention of such data.

Once the retention period expires, Personal Data shall be deleted. Therefore, the right of access, the right to erasure, the right to rectification and the right to data portability cannot be enforced after expiration of the retention period.

Transfer of Your Personal Data

Your data, including Personal Data, is processed at the Company's operational offices and other locations involved in the processing. This implies that the information might be transferred to and maintained on computers located outside your state, province, country, or other governmental jurisdiction where data protection laws may differ from those in your jurisdiction. Your agreement to this Privacy Policy, coupled with your submission of such information, signifies your consent to this transfer.

The Company is committed to taking all reasonable steps to ensure that your data is handled securely and in accordance with this Privacy Policy. No transfer of your Personal Data will occur to an organization or country unless adequate controls, including the security of your data and other personal information, are in place.

Disclosure of Your Personal Data

Business Transactions:

If the Company is engaged in a merger, acquisition, or asset sale, your Personal Data may be transferred. Notice will be provided before your Personal Data is transferred and subjected to a different Privacy Policy.

Law Enforcement:

Under specific circumstances, the Company may need to disclose your Personal Data as required by law or in response to valid requests from public authorities, such as a court or government agency.

Other Legal Requirements:

The Company may disclose your Personal Data in good faith, believing that such action is necessary to comply with a legal obligation, protect and defend the rights or property of the Company, prevent or investigate possible wrongdoing in connection with the service, protect the personal safety of users of the service or the public, and protect against legal liability.

Security of Your Personal Data:

While the security of your Personal Data is a priority for us, it's important to note that no method of transmission over the Internet or electronic storage is 100% secure. Although we strive to use commercially acceptable means to safeguard your Personal Data, we cannot guarantee its absolute security.

Do you Allow Third-Party Services to Collect Information?

In addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect this information from our Users. We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them from Users. Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information given to them.

The detailed information on processing of Personally Identifiable Information is shown below:

Advertising

This type of service allows User Data to be utilized for advertising communication purposes. These communications are displayed in the form of banners and other advertisements on this Website, possibly based on User interests.

Google AdSense (Google LLC)

Google AdSense is an advertising service provided by Google LLC. This service uses the DoubleClick Cookie, which tracks use of this Website and User behavior concerning ads, products and services offered.

Personal data processed : Cookies, Usage Data

Place of processing : United States - Privacy Policy - Optout

Analytics

The services contained in this section enable the Owner to monitor and analyze web traffic and can be used to keep track of User behavior.

Google Analytics (Google LLC)

Google Analytics is a web analysis service provided by Google LLC. Google utilizes the Data collected to track and examine the use of this Website, to prepare reports on its activities and share them with other Google services. Google may use the Data collected to contextualize and personalize the ads of its own advertising network.

Personal data processed : Cookies, Usage Data

Place of processing : United States - Privacy Policy - Optout

How does the Website use Personally Identifiable Information?

We use Personally Identifiable Information to customize the Website, to make appropriate service offerings, and to fulfill buying and selling requests on the Website. We may email Users about research or purchase and selling opportunities on the Website or information related to the subject matter of the Website. We may also use Personally Identifiable Information to contact Users in response to specific inquiries, or to provide requested information.

We may also use your personal information for other reasons such as for commercial purposes (as indicated within the section “Detailed information on the processing of Personal Data” within this document), as well as for complying with the law and defending our rights before the competent authorities where our rights and interests are threatened or we suffer an actual damage.We will not use your personal information for different, unrelated, or incompatible purposes without notifying you.

Do You Share Information with Third-Party Services?

We may share Personally Identifiable Information and/or aggregated information about our Users, including the demographics of our Users, with our affiliated agencies and third party vendors. We also offer the opportunity to “opt out” of receiving information or being contacted by us or by any agency acting on our behalf.

Behavioral Remarketing

Our company employs remarketing services to reach out to you with advertisements after you've accessed or visited our Service. We, along with our third-party vendors, use both cookies and non-cookie technologies to recognize your device and gain insights into how you utilize our Service. This enables us to enhance our Service based on your interests and deliver advertisements that are more likely to capture your attention.

These third-party vendors collect, store, process, and transfer information about your activity on our Service in accordance with their privacy policies. Their activities enable us to:

  • Measure and analyze traffic and browsing activity on our Service.
  • Display advertisements for our products and/or services on third-party websites or apps.
  • Measure and analyze the performance of our advertising campaigns.

Some of these vendors may utilize non-cookie technologies that are not affected by browser settings blocking cookies. Your browser may not provide the option to block such technologies. To decline the collection and use of information for interest-based advertising, you can use third-party tools such as :

Additionally, you can opt-out of all personalized advertising on your mobile device by enabling privacy features such as Limit Ad Tracking (iOS) and Opt Out of Ads Personalization (Android). Consult your mobile device's Help system for more information.

We may share information, such as hashed email addresses, with these third-party vendors. This allows them to recognize and deliver ads to you across devices and browsers. For details on the technologies used by these vendors and their cross-device capabilities, please refer to the privacy policies of each vendor.

Here is a list of third-party vendors we use:

  • Google Ads (AdWords)

    Google Ads Remarketing is a remarketing and behavioral targeting service provided by Google LLC that connects the activity of this Application with the Google Ads advertising network and the DoubleClick Cookie. Users can opt out of Google's use of cookies for ads personalization by visiting Google's Ads Settings.. Privacy Policy – Opt Out.

  • Bing Ads

    Bing Ads remarketing service is provided by Microsoft Inc.You can opt-out of Bing Ads interest-based ads by following their instructions: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads You can learn more about the privacy practices and policies of Microsoft by visiting their Privacy Policy page: https://privacy.microsoft.com/en-us/PrivacyStatement

  • Twitter

    Twitter remarketing service is provided by Twitter Inc.You can opt-out from Twitter’s interest-based ads by following their instructions: https://support.twitter.com/articles/20170405 You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy

  • Facebook

    Facebook remarketing service is provided by Facebook Inc.You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/516147308587266 To opt-out from Facebook’s interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217 Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

  • Pinterest

    Pinterest remarketing service is provided by Pinterest Inc. You can opt-out from Pinterest’s interest-based ads by enabling the “Do Not Track” functionality of your web browser or by following Pinterest instructions: http://help.pinterest.com/en/articles/personalization-and-data You can learn more about the privacy practices and policies of Pinterest by visiting their Privacy Policy page: https://about.pinterest.com/en/privacy-policy

  • AdRoll

    AdRoll remarketing service is provided by NextRoll, Inc. You can opt-out of AdRoll remarketing by visiting this AdRoll Advertising Preferences web page: http://info.evidon.com/pub_info/573?v=1&nt=1&nw=false or the Opt Out of Personalized Advertising web page: https://help.adroll.com/hc/en-us/articles/216599538-Opting-Out-of-Personalized-Advertising If You are a California resident, please read the “Information For California Residents Only” section in the Privacy Policy of NextRoll, Inc: https://www.nextroll.com/privacy#service-13 For more information on the privacy practices of AdRoll, please visit the NextRoll, Inc. Privacy Policy web page: https://www.nextroll.com/privacy

  • Perfect Audience

    Perfect Audience remarketing service is provided by NowSpots Inc.You can opt-out of Perfect Audience remarketing by visiting these pages: Platform Opt-out (http://pixel.prfct.co/coo) and Partner Opt-out (http://ib.adnxs.com/optout).For more information on the privacy practices of Perfect Audience, please visit the Perfect Audience Privacy Policy & Opt-out web page: https://www.perfectaudience.com/privacy/index.html

  • AppNexus

    AppNexus remarketing service is provided by AppNexus Inc. You can opt-out of AppNexus remarketing by visiting the Privacy & the AppNexus Platform web page: https://www.appnexus.com/platform-privacy-policy#choices For more information on the privacy practices of AppNexus, please visit the AppNexus Platform Privacy Policy web page: https://www.appnexus.com/platform-privacy-policy

Payments

In instances where we offer paid products and/or services within our Service, we may utilize the services of third-party payment processors for payment processing. It's important to note that we do not store or collect your payment card details. Instead, this information is directly provided to our third-party payment processors, whose handling of your personal information is governed by their respective Privacy Policies. These payment processors strictly adhere to the standards set by PCI-DSS (Payment Card Industry Data Security Standard), as overseen by the PCI Security Standards Council—a collaborative effort involving major brands like Visa, Mastercard, American Express, and Discover. These standards are designed to ensure the secure handling of payment information.

Below are some of the third-party payment processors we may use, along with links to their respective Privacy Policies:

When using our Service to make payments via bank transfer, we may request information to facilitate the transaction and verify your identity.

How is Personally Identifiable Information stored?

Personally Identifiable Information collected by CobraloanTools is securely stored and is not accessible to third parties or employees of CobraloanTools except for use as indicated above.

How Can Users Opt-Out From Collection of Information

Users may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by either :

  • Calling us at .
  • Emailing us at contact@cobraloantools.com .

Are Cookies Used on the Website?

Cookies are used for a variety of reasons. We use Cookies to obtain information about the preferences of our Users and the services they select. We also use Cookies for security purposes to protect our Users. For example, if a User is logged on and the Website is unused for more than 10 minutes, we will automatically log the User off. Users who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using CobraloanTools , with the drawback that certain features of Website may not function properly without the aid of cookies.

How does CobraloanTools use login information?

CobraloanTools uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Website, track a Users movement and use, and gather broad demographic information.

What partners or service providers have access to Personally Identifiable Information from Users on the Website?

CobraloanTools has entered into and will continue to enter into partnerships and other affiliations with a number of vendors. Such vendors may have access to certain Personally Identifiable Information on a need to know the basis for evaluating Users for service eligibility. Our privacy policy does not cover their collection or use of this information. Disclosure of Personally Identifiable Information to comply with the law. We will disclose Personally Identifiable Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose Personally Identifiable Information when reasonably necessary to protect the safety of our Users.

How does the Website keep Personally Identifiable Information secure?

All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Users is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers or social security numbers, is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Users for any such occurrences.

GDPR Privacy

Legal Basis for Processing Personal Data under GDPR

Under the General Data Protection Regulation (GDPR), we may process Personal Data under the following legal conditions:

Consent :

  • You have provided explicit consent for the processing of Personal Data for one or more specific purposes.

Performance of a Contract :

  • Provision of Personal Data is necessary for the performance of an agreement with you and/or for any pre-contractual obligations thereof.

Legal Obligations :

  • Processing Personal Data is necessary for compliance with a legal obligation to which the Company is subject.

Vital Interests :

  • Processing Personal Data is necessary to protect your vital interests or those of another natural person.

Public Interests :

  • Processing Personal Data is related to a task carried out in the public interest or in the exercise of official authority vested in the Company.

Legitimate Interests :

  • Processing Personal Data is necessary for the purposes of the legitimate interests pursued by the Company.

In any case, the Company is committed to providing assistance in clarifying the specific legal basis that applies to the processing of Personal Data. This includes specifying whether the provision of Personal Data is a statutory or contractual requirement, or a necessity to enter into a contract. If you have any questions or concerns regarding the processing of your Personal Data, please feel free to reach out for further clarification.

Your Rights under the GDPR

The Company undertakes to respect the confidentiality of Your Personal Data and to guarantee You can exercise Your rights.

You have the right under this Privacy Policy, and by law if You are within the EU, to:

  • Request access to Your Personal Data.The right to access, update or delete the information We have on You. Whenever made possible, you can access, update or request deletion of Your Personal Data directly within Your account settings section. If you are unable to perform these actions yourself, please contact Us to assist You. This also enables You to receive a copy of the Personal Data We hold about You.

  • Request correction of the Personal Data that We hold about You.You have the right to have any incomplete or inaccurate information We hold about You corrected.

  • Object to processing of Your Personal Data.This right exists where We are relying on a legitimate interest as the legal basis for Our processing and there is something about Your particular situation, which makes You want to object to our processing of Your Personal Data on this ground. You also have the right to object where We are processing Your Personal Data for direct marketing purposes.

  • Request erasure of Your Personal Data.You have the right to ask Us to delete or remove Personal Data when there is no good reason for Us to continue processing it.

  • Request the transfer of Your Personal Data.We will provide to You, or to a third-party You have chosen, Your Personal Data in a structured, commonly used, machine-readable format. Please note that this right only applies to automated information which You initially provided consent for Us to use or where We used the information to perform a contract with You.

  • Withdraw Your consent.You have the right to withdraw Your consent on using your Personal Data. If You withdraw Your consent, We may not be able to provide You with access to certain specific functionalities of the Service.

Exercising of Your GDPR Data Protection Rights

You may exercise Your rights of access, rectification, cancellation and opposition by contacting Us. Please note that we may ask You to verify Your identity before responding to such requests. If You make a request, We will try our best to respond to You as soon as possible.

You have the right to complain to a Data Protection Authority about Our collection and use of Your Personal Data. For more information, if You are in the European Economic Area (EEA), please contact Your local data protection authority in the EEA.

CCPA Privacy

Information We Collect

The Website collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information").

In particular, Website has collected the following categories of personal information from its consumers within the last 12 months:

Category Examples Collected
A.Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. NO
B.Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. NO
C.Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). NO
D.Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. NO
E.Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO
F.Internet or other similar network activity. Browsing history, search history, information on a consumer's interaction with a Website, application, or advertisement. NO
G.Geolocation data. Physical location or movements. NO
H.Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. NO
I.Professional or employment-related information. Current or past job history or performance evaluations. NO
J.Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO
K.Inferences drawn from other personal information. Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. NO

Personal information does not include:

  • Publicly available information from government records.
  • Deidentified or aggregated consumer information.
  • Information excluded from the CCPA's scope, like certain health or medical information and other categories of information protected by different laws.

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from you. For example, from forms you complete or products and services you purchase.
  • Indirectly from you. For example, from observing your actions on our Website.

Sources of Personal Information

The categories of personal information outlined above are obtained from the following sources :

Directly from You :

  • Information is collected directly from you, such as through forms completed on our Service, preferences expressed or provided through our Service, or details obtained from your purchases on our Service.

Indirectly from You :

  • Information is obtained indirectly by observing your activity on our Service.

Automatically from You :

  • Information is automatically collected from you, for example, through cookies that we or our Service Providers set on your device as you navigate through our Service.

From Service Providers :

Information is acquired from service providers, including but not limited to:

  • Third-party vendors engaged to monitor and analyze the use of our Service.
  • Third-party vendors employed for advertising purposes on our Service.
  • Third-party vendors enlisted to deliver targeted advertising to you.
  • Third-party vendors handling payment processing.
  • Other third-party vendors utilized to provide the Service to you.

By obtaining information from these diverse sources, we aim to enhance the quality and effectiveness of the services we provide to you on our platform.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
  • To process your requests, purchases, transactions, and payments and prevent transactional fraud.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our or our affiliates' assets in which personal information held by us or our affiliates about our Website users is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice.

Using Personal Information for Business or Commercial Purposes

We may have utilized or disclosed, and continue to use or disclose, in the preceding twelve (12) months, various categories of personal information for business or commercial purposes. These categories include:

Category A: Identifiers

Category B: Personal information falling under the California Customer Records statute (Cal. Civ. Code § 1798.80(e))

Category D: Commercial information

Category F: Internet or other similar network activity

It is important to note that the mentioned categories align with the definitions provided by the California Consumer Privacy Act (CCPA). This clarification is not indicative of the disclosure of all examples within each category. Rather, it represents our genuine belief, based on the best available knowledge, that some information falling under these categories may have been disclosed.

In instances where we disclose personal information for business or commercial purposes, a contractual agreement is established. This agreement outlines the specific purpose of the disclosure and mandates the recipient to maintain the confidentiality of the personal information while restricting its use solely to fulfill the terms of the contract.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We may share your personal information with specific categories of third parties. These include but are not limited to :

  • Service providers.
  • Data Aggregators.
  • Payment processors.
  • Our affiliates.
  • Our business partners.
  • Third-party vendors to whom you or your agents grant authorization for us to disclose your personal information in connection with the products or services we provide to you.
[wpl_cookie_details]

Sale of Personal Information Involving Minors Under 16 Years of Age

We refrain from selling the personal information of consumers whom we are aware are under 16 years of age, unless we obtain affirmative authorization (the "right to opt-in") from either the consumer between 13 and 16 years of age or the parent/guardian of a consumer under 13 years of age. Consumers who choose to opt-in to the sale of personal information retain the right to opt-out of future sales at any time. To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by contacting us.

If you suspect that a child under the age of 13 (or 16) has provided us with personal information, please get in touch with us, providing sufficient details to facilitate the deletion of that information.

Your Rights under the CCPA

The CCPA provides California residents with specific rights regarding their personal information. If You are a resident of California, You have the following rights:

  • The right to notice.You have the right to be notified which categories of Personal Data are being collected and the purposes for which the Personal Data is being used.
  • The right to request.Under CCPA, You have the right to request that We disclose information to You about Our collection, use, sale, disclosure for business purposes and share of personal information. Once We receive and confirm Your request, We will disclose to You:
    • The categories of personal information We collected about You
    • The categories of sources for the personal information We collected about You
    • Our business or commercial purpose for collecting or selling that personal information
    • The categories of third parties with whom We share that personal information
    • The specific pieces of personal information We collected about You
    • If we sold Your personal information or disclosed Your personal information for a business purpose, We will disclose to You:
      • The categories of personal information categories sold
      • The categories of personal information categories disclosed
  • The right to say no to the sale of Personal Data (opt-out).You have the right to direct Us to not sell Your personal information. To submit an opt-out request please contact Us.
  • The right to delete Personal Data. You have the right to request the deletion of Your Personal Data, subject to certain exceptions. Once We receive and confirm Your request, We will delete (and direct Our Service Providers to delete) Your personal information from our records, unless an exception applies. We may deny Your deletion request if retaining the information is necessary for Us or Our Service Providers to:
    • Complete the transaction for which We collected the personal information, provide a good or service that You requested, take actions reasonably anticipated within the context of our ongoing business relationship with You, or otherwise perform our contract with You.
    • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
    • Debug products to identify and repair errors that impair existing intended functionality.
    • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
    • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
    • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if You previously provided informed consent.
    • Enable solely internal uses that are reasonably aligned with consumer expectations based on Your relationship with Us.
    • Comply with a legal obligation.
    • Make other internal and lawful uses of that information that are compatible with the context in which You provided it.
  • The right not to be discriminated against.You have the right not to be discriminated against for exercising any of Your consumer's rights, including by:
    • Denying goods or services to You.
    • Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties.
    • Providing a different level or quality of goods or services to You.
    • Suggesting that You will receive a different price or rate for goods or services or a different level or quality of goods or services.

Exercising Your CCPA Data Protection Rights

In order to exercise any of Your rights under the CCPA, and if You are a California resident, You can contact Us:

  • By email: Only You, or a person registered with the California Secretary of State that You authorize to act on Your behalf, may make a verifiable request related to Your personal information.
  • By phone number:
  • By mail: Opp M K Brothers Indl Est, Andheri Kurla Rd, Jarimari, Andheri (west)

Your request to Us must:

  • Provide sufficient information that allows Us to reasonably verify You are the person about whom We collected personal information or an authorized representative
  • Describe Your request with sufficient detail that allows Us to properly understand, evaluate, and respond to it

We cannot respond to Your request or provide You with the required information if we cannot:

  • Verify Your identity or authority to make the request
  • And confirm that the personal information relates to You

We will disclose and deliver the required information free of charge within 45 days of receiving Your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonable necessary and with prior notice.

Any disclosures We provide will only cover the 12-month period preceding the verifiable request's receipt.

For data portability requests, We will select a format to provide Your personal information that is readily useable and should allow You to transmit the information from one entity to another entity without hindrance.

Do Not Sell My Personal Information

You have the right to opt-out of the sale of your personal information. Upon receiving and verifying a consumer request from you, we will cease selling your personal information. To exercise your right to opt-out, please contact us.

Our service providers, such as analytics or advertising partners, may utilize technology on the service that qualifies as the sale of personal information under the CCPA law. If you wish to opt out of the use of your personal information for interest-based advertising purposes and these potential sales outlined in the CCPA law, follow the instructions below.

Please be aware that any opt-out is specific to the browser you use, and you may need to opt out on each browser you utilize.

Website:

You can opt out of receiving personalized ads served by our service providers by following the instructions provided on the service through:

The opt-out will set a unique cookie on your computer tied to the browser you use for opting out. If you change browsers or delete the cookies saved by your browser, you will need to opt out again.

Mobile Devices:

Your mobile device may offer the option to opt out of using information about the apps you use for serving targeted ads based on your interests:

  • "Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices.
  • "Limit Ad Tracking" on iOS devices.

You can also prevent the collection of location information from your mobile device by adjusting the preferences on your device.

"Do Not Track" Policy in Compliance with the California Online Privacy Protection Act (CalOPPA)

Our service does not acknowledge or respond to Do Not Track signals. While our service itself does not alter its behavior based on such signals, it's important to note that certain third-party websites may monitor your browsing activities.

If you are accessing these external websites, you have the option to manage your preferences in your web browser to convey your desire not to be tracked. The ability to enable or disable "Do Not Track" (DNT) can typically be found in the preferences or settings page of your web browser. Adjust these settings according to your preferences regarding online tracking.

Your California Privacy Rights (California's Shine the Light law)

Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their Personal Data with third parties for the third parties' direct marketing purposes.

If you'd like to request more information under the California Shine the Light law, and if You are a California resident, You can contact Us using the contact information provided below.

California Privacy Rights for Minor Users (California Business and Professions Code Section 22581)

California Business and Professions Code section 22581 allow California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted.

To request removal of such data, and if You are a California resident, You can contact Us using the contact information provided below, and include the email address associated with Your account.

Be aware that Your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

How can Users correct any inaccuracies in Personally Identifiable Information?

Users may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by either:

  • Emailing us at contact@cobraloantools.com

Can a User delete or deactivate Personally Identifiable Information collected by the Website?

We provide Users with a mechanism to delete/deactivate Personally Identifiable Information from the Website’s database by contacting. However, because of backups and records of deletions, it may be impossible to delete a Users entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward.

User rights

These are summarized rights that you have under data protection law:

  • The right to access
  • The right to rectification
  • The right to erasure
  • The right to restrict processing
  • The right to object to processing
  • The right to data portability
  • The right to complain to a supervisory authority
  • The right to withdraw consent

What happens if the Privacy Policy changes?

We will let our Users know about changes to our privacy policy by posting such changes on the Website. However, if we are changing our privacy policy in a manner that might cause disclosure of Personally Identifiable Information that a User has previously requested not be disclosed, we will contact such User to allow such User to prevent such disclosure.

Links to other websites

https://cobraloan.com/ contains links to other websites. Please note that when you click on one of these links, you are moving to another website. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours.

Back to home page