Privacy Policy

New Century Financial, Inc. (“NCF“) is serious about protecting the privacy of your personal information. We have put strict policies into place to ensure that the privacy of your personal information is protected while still enabling you to make use of the website (the “Site“) or the services provided by NCF (the “Services“). We use information collected about you through the use of the Services or on the Site solely for the purposes set out in this policy. Terms of this privacy policy may be updated from time to time, so please check our website for updates.

Your Consent

By using this Site or the Services, you consent to the terms of this Privacy Policy. If you do not agree to this Privacy Policy, please do not access or otherwise use the Site or Services.

Text Messaging Terms and Conditions

By opting in to receive text messages from New Century Financial or our subsidiaries or affiliates (hereinafter, “We,” “Us,” “Our”) (the “Service”), you agree to these Text Messaging Terms and Conditions (the “Agreement”). Your participation in the Service is also subject to our Privacy Policy and Terms and Conditions of Use, which are expressly incorporated by reference herein. This Agreement is not intended to modify other Terms and Conditions or Privacy Policy that may govern the relationship between you and Us in other contexts.

Our terms and conditions of use require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, waive your right to a trial by jury and require claims to be resolved through final and binding arbitration. if you do not agree to our terms and conditions, you may not participate in the service.

• Providing Telephone Numbers and Duty to Notify: You verify that the mobile number provided to Us is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide. Should any of your contact information change, including ownership of your telephone numbers, you agree to immediately notify us before the change goes into effect by emailing us at Info@NewCenturyFinancial.com .
• Your Consent to Receive Automated Calls/Texts: You acknowledge that by voluntarily providing your telephone number(s), you expressly agree to receive recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from Us concerning Our products, services, offers, promotions, and transactions, as well as your relationship with Us. You understand that consent is not required to make any purchase from Us. Message and data rates may apply.
• Opt Out Instructions: Your consent to receive automated texts is completely voluntary. You may opt-out at any time. To opt out of text messages, reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any mobile message from Us, or email Info@NewCenturyFinancial.com and specify that you want to opt out of text messages. You may also text HELP or email us at Info@NewCenturyFinancial.com for help. You acknowledge and agree to accept a final text message confirming your opt-out.
• Indemnification to Us: You agree to indemnify Us for any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you and/or your failure to notify us of any changes in your mobile telephone number. You agree to indemnify, defend and hold us harmless from and against any and all such claims, losses, liability, costs and expenses (including reasonable attorneys’ fees).
• Participation Requirements: By participating in the Service, you acknowledge and agree that you are eighteen (18) years of age or older. You must have a wireless device of your own, capable of two-way messaging, be using a participating wireless carrier, and be a wireless service subscriber with text messaging service. Not all cellular phone providers carry the necessary service to participate. Check your phone capabilities for specific text messaging instructions.
• Miscellaneous: You warrant and represent to Us that you have all necessary rights, power, and authority to agree to these Terms and perform your obligations hereunder, and nothing contained in this Agreement or in the performance of such obligations will place you in breach of any other contract or obligation. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect and enforceable. We reserve the right to change this Agreement from time to time. Any updates to this Agreement shall be communicated to you. You acknowledge your responsibility to review this Agreement from time to time and to be aware of any such changes. By continuing to participate in the Service after any such changes, you accept this Agreement, as modified.

Data Collection

We may collect limited non-personally identifying information your browser makes available whenever you visit a website. This information includes your IP address, browser type, browser language, the date and time of your visits, and cookies that may uniquely identify your browser. We collect information from you when you register for our Services which you choose to provide. This information may include, but is not limited to, your name, e-mail address, mailing address, phone number, social security number and bank account information. We also collect information regarding our transactions and experiences with you, including your payment history. We may also collect information from third parties’ websites or applications as specified in this Privacy Policy below.

Use of Information

Any of the information we collect from you may be used in one of the following manners:

• To operate, maintain, improve, and provide our Services to you;
• To verify your identity;
• To register you as a user and identify you when you sign in to your account;
• To determine your eligibility for our Services;
• To improve customer service;
• To develop and improve our website.

Protection of Information

We implement reasonable security measures, including, but not limited to, firewall barriers, Secure Socket Layer (SSL) encryption techniques, and authentication procedures, to maintain the safety of your personal information. You acknowledge, however, that no system is perfectly secure. While we strive to protect your personal information, NCF cannot ensure or warrant the security of any data or content you transmit to us, and you do so at your own risk. In the event of a breach of the confidentiality or security of your information, we will notify you within a reasonable time frame so you can take appropriate protective steps and to inform you of the steps that NCF is taking with respect to such breach.

Cookies

We may use tracking technology (cookies), which can help us make our website more user-friendly, efficient, and secure. Cookies are small text files that are stored on your PC and used by your browser. Your browser can be configured so that cookies can be accepted with your permission or completely blocked.

Google Analytics

We use Google Analytics to help analyze how users use the site. The tool uses “cookies,” which are text files placed on your computer, to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the website (including your IP address) is transmitted to Google. This information is then used to evaluate visitors’ use of this website and to compile statistical reports on website activity.

We will never (and will not allow any third party to) use the statistical analytics tool to track or to collect any Personally Identifiable Information of visitors to our site. Google will not associate your IP address with any other data held by Google. Neither we nor Google will link, or seek to link, an IP address with the identity of a computer user.

You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Disclosure of Information

We do not sell, trade, or otherwise transfer your personal information to third parties. However, we may share your information with trusted third parties who assist us in operating our website, conducting business, or servicing you. We may share your information with our contracted and trusted service providers and affiliates only to assist us with our business operations and to provide our services to you.

We may also disclose your information:

• To comply with any applicable law, regulation, legal process or governmental request;
• To enforce our terms, including investigations of potential violations thereof;
• To protect against harm to the rights, property, or safety of NCF, our users, yourself, or the public;
• To detect, prevent, or otherwise address fraud or security issues;
• To any other third party with your prior consent to do so.

Third Party Services

The Services may enable you to interact with or contain links to your Third Party Account and other third party websites, mobile software applications, and services that are not owned or controlled by us (each a “Third Party Service”). We are not responsible for the privacy practices or the content of these Third Party Services. Please be aware that the Third Party Services may collect personal information from you. Accordingly, you should read the privacy policy of each Third Party Service that you choose to use or interact with.

Compliance with Governing Law

You agree that this privacy policy is governed by the laws of the State of Texas excluding the choice of law provisions thereof. All California loans made or arranged pursuant to a California Finance Lenders Law License.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page, and in such event your continued use of the Site, shall constitute your acceptance of such updated privacy policy.