Cookie and Site Privacy Policy

updated: February 2021

Our Cookie and Internet Privacy Policy provides information regarding how we collect, use, and disclose personal information provided to us when you visit us online at our nBuy affiliated web sites within our network.

Items you would like to know about our privacy policy governing our Internet sites:

• how we collect information
• about our use of cookies
• how we protect information submitted by you
• how we share information
• how we link to third-party sites
• revising or removing your information
• displaying of ads

How We Collect Information

We use various tools in order to service your needs while visiting our nBuy affiliated web sites and its related network: see our list of affiliated web sites.

We use these tools to process your requests, improve our web site offerings and navigation, respond to questions, and personalize your online needs. Some of the tools that we may use include:

About Our Use of Cookies

By using or accessing any of our associated web sites within nBuy Associates, Inc. network of sites (“nBuy Sites”), you are consenting to our use of Cookies in help tracking, displaying and monitoring traffic as outlined below. Our web sites include the one you are currently browsing and all web sites associated within the nBuy family: view entire list.

You have the right to remove and block our Cookies through your browser as outline below.

What is a Cookie
A Cookie is a bit of text code that we may develop from time-to-time that will be automatically stored on your computer hard drive when your visit "nBuy Sites". It helps us to identify your computer when you visit us again. Cookies allow the Site to remember important information that will make your use of the site more convenient.

A cookie will typically contain the name of the domain from which the cookie has come, the “lifetime” of the cookie, and a randomly generated unique number or other value. Certain cookies will be used on the Site regardless of whether you are logged in to your account or not.

After your register with our site for the first time, we assign a Cookie to your hard drive so that upon returning to our web site, we identify you as a registered user and link you directly to the page for registered users. The Cookie prevents you from having to reregister each time you visit our site.

The cookie is uniquely yours, and it can only be read by the web site that issued the cookie. Cookies cannot be used to collect information from your computer. Some cookies we may use are temporary, meaning that they expire once you close your browser.

Some cookies we may issue are permanent, meaning they remain on your computer so that when you return to our site, we can identify your computer as a previous user and customize your unique web experience.

Cookies can be deleted from your hard drive at any time. If you delete our cookie from your hard drive and then visit our site again, you will be treated as a first-time visitor since we will not be able to identify your computer.

Current browsers allow you to accept or reject certain cookies based on the Platform for Privacy Preferences ("P3P"). Through enhanced browser settings, users can manage cookies and interactions with P3P-enabled web sites.

There are limitations to P3P, which can restrict your full Internet experience. We have therefore chose not to implement P3P-enabled privacy at this time. Therefore you may receive privacy alert messages when visiting our site if you are using an enabled P3P-enabled browser. Please note that we are committed in providing the highest standards of privacy as outlined in this privacy statement.

Managing Cookies With Your Browser
You can use your web browser to block and remove our cookies if you do not wish to receive a cookie. You can also set your browser to notify you when you receive a cookie. You can easily delete and manage any cookies that have been installed in the cookie folder of your browser. Simply follow the instructions provided by your particular browser manufacturer.

• Google Chrome
• Internet Explorer
• Mozilla Firefox
• Safari (Desktop)
• Safari (Mobile)
• Android Browser
• Opera
• Opera Mobile

If your browser is not listed here, consult the documentation that your particular browser manufacturer provides. You may also consult your mobile device documentation for information on how to disable cookies on your mobile device. If you disable all cookies, you may not be able to take advantage of all the features of "nBuy Sites". 

Other Useful Information

• A number of websites provide information on cookies including:
  AllAboutCookies.org
  https://www.networkadvertising.org
  https://www.usa.gov/optout-instructions
  https://www.gov.uk/help/cookies
• New technologies such as Mozilla's https://support.mozilla.org/en-US/kb/how-do-i-turn-do-not-track-feature allows you to tell websites not to track you
• Internet Explorer has a feature called https://support.microsoft.com/en-us/products/internet-explorer which allows you to import a list of websites you want to block
• The Federal Trade Commission provides useful opt out information here: FTC Online Tracking
• To see which of the most common third-party advertising companies have placed a cookie on your device for the purpose of behavioral advertising, as well as to turn these cookies on or off: https://www.youronlinechoices.com/uk/your-ad-choices
  https://youradchoices.com/control

Use of Third Party Cookies
Our "nBuy Sites" use and display ads from google adsense and google analytics. The use of google adsense allows us to display ads that track your visits to other www sites. The use of google analytics help us to track visitors to our site for performance analysis. You can opt out of the use of 3rd party cookies:

• To opt out of advertising cookies from Google’s ad services:
  https://www.google.com/settings/ads
• To opt out of Google Analytics for all websites:
  https://tools.google.com/dlpage/gaoptout
  

Web Site Tracking Software

Our web servers utilize a tracking software to capture your domain name address (the address of your Internet service provider, not your email address) for purposes of tracking web site statistics.

Note that we never collect information about you unless you voluntarily provide that information through an interview request form, or some other sponsored web site activity. The capture of your domain name is a common practice among all web sites for measuring the number of hits, pages visited, and length of user session.

We use this information to measure the effectiveness of our web site offerings in order to service you better.

Online Interview Forms

We post on our servers online interview and application forms that allow you to enter into a service agreement with companies that have marketing agreements with nBuy.com. These online interview/application forms are secured behind state-of-the-art technology that protects all information that you submit.

Understand that the information you submit is voluntary, but it will be required if you request companies that have partnered with nBuy.com to perform a service for you. The interview forms may request yours and your co-borrowers name, address, your credit status and other personal, financial, and contact information.

The information that you provide to us through the interview process is posted and delivered to the lender(s) that have been authorized to receive your information. These lenders may contact you directly via phone, e-mail or other communications.

The lender(s) may store and use your information at their discretion. Please request a copy of lender's privacy policy once you have been contacted by the lender(s).

Note: The information that you submit will not be stored on our servers of any kind. All information submitted will be posted and delivered to the lender(s) that have marketing agreements with nBuy.com. We do store or collect any information that have been submitted by these online interview forms.

Email Address

You may supply us your email address that authorizes us to:

• contact you either by phone and/or by email
• provide information during the interview process on steps to complete your interview request form
• inform you about new product services and product enhancements that may be of interest to you
• update you on all other information that may require your attention

Email addresses or other contact information WILL NOT be sold to or used by third-party marketing organizations.

Surveys

At times we may sponsor online surveys or other data profile collections to measure our performance or product offerings. All surveys are strictly voluntary and are not required to visit or use other areas of our site or to enter into a transaction with SayPlanning.com.

Some of our online surveys may be marketing oriented surveys, collecting information about your likes, dislikes, purchasing habits, and web site activities. This information helps us deliver content and activities that are customized and relevant to your preferences. This information may be made available to our corporate sponsors in varying degrees of complexity.

Other Activities

At times, we may make chat rooms, forums, message boards, and/or news groups available to our web site visitors. Again, your participation in these activities are strictly voluntary.

You may choose to provide information to participate in these activities. Please be aware that any information that you disclose in these areas becomes public information, so you should exercise caution in disclosing personal information.

Information from Minors

We understand that the use of minors of the Internet cannot be controlled by us. Minors may visit our site and attempt to enter into a transaction by submitting information or participating in some online activity.

We understand that children have unique privacy needs. Therefore, we will not collect without verifiable parental consent any information from children we know to be under 18 years of age, nor will we send them any direct e-mail offers.

How We Secure and Protect Information Submitted by You

Personal information that you submit to uswill be behind our secured firewalls.

In order to submit your information, you must use Secured Socket Layer (SSL) enabled browsers. This ensures that the information you submit through our secured firewalls will be protected from unauthorized use.

In addition, we contract with a network service provide to maintain safeguards to keep information confidential and secure. These include:

• The network service provider protects our systems and networks from the Internet with Firewall systems which can be thought of as selective barriers that only permit specific types of traffic through our systems.
• The network service provider employs Intrusion Detection software and monitors for unauthorized access.
• The network service provider uses encryption technology to protect certain sensitive information that is transmitted over the Internet.

How We Share Information

In order for nBuy.com and its subsidiary sites to service your requests, process your interview request forms, and conduct business from day-to-day, we must share submitted online information with lending partners.

These lenders partners may include credit reporting agencies for approving loan requests, lenders who will underwrite your loan and service your loan requests, and other companies that allow us to service your needs. At no time will these companies use your data for purposes other than the required processes to conduct business.

At times, we may aggregate data that has been collected online for statistical modeling purposes.

Customer data may be shared with modeling companies that help us analyze and profile the data. At no time will these companies use customer data for purposes other than performing the work that we hired them to do.

At times, we may aggregate contact data for purposes of sending you information on additional product and service offerings that may be of interest to you.

Customer data may be shared with mail companies and other direct marketing companies for the purpose of preparing mail forms and other contact media. At no time will these companies use customer data for purposes other than performing the work that we hired them to do.

If at any time you wish to remove your contact information from our contact list, you may do so by following the instructions under our opt-out provisions below.

How We Link to Third-Party Web Sites

nBuy.com is a search-engine provider that links to third-party web sites.

We do not control these third-party sites nor do we control how they collect or use information. We also do not warranty the information supplied by these third-party web sites. They may not adhere to the same privacy policy procedures as ours. It is important that you review their privacy policy before supplying them with any information.

You may come across our sites through a marketing relationship with another company.

We will try to show clearly our logo or other information that identifies us as the provider of services. Please note that information submitted to us through these marketing programs may be collected and shared with our marketing partner.

Revising or Removing Your Information

You have the right to revise or remove your contact information at any time. This may include revisions to your name, address, or other contact information.

You may choose to have your contact information removed from our contact list. This will include your contact information such as email address, telephone number, and mail address.

Your option to remove your name will instruct us not to use your contact information in any direct marketing programs and other media exchange programs.

To revise or remove your contact information, please email us at:

[email protected]

Displaying of Ads

We use third-party advertising companies to serve ads when you visit our network of web sites. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.

Required Amazon Affiliate Disclosure: LetsRenovate.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.