Privacy Policy


Revised September 22, 2016


WE RESPECT YOUR PRIVACY.

 

Our mission is to connect customers with relevant companies and offers with certainty, simplicity and transparency.  This Privacy Policy details how we use your information to accomplish that in a responsible and friendly manner.

 

Carpe.com is a website and online service owned by Group Guru LLC (“Carpe”, the “Site”, "we" or "us").  The services, websites, features, communications, sub-domains, and software ("Services") offered by us are governed by this Privacy Policy (“Agreement”, or “Policy” or “Privacy Policy”).  Through our Services, we provide credit-related information, matches with products and services, and other features.  All disclosures and consent required under certain state laws are deemed to be received and agreed to as part of this Agreement and by use of our Services. 

 

PLEASE READ THE PRIVACY POLICY CAREFULLY BEFORE PROCEEDING.  THIS POLICY DESCRIBES HOW WE COLLECT, USE, SHARE AND PROTECT YOUR INFORMATION.  THE POLICY ONLY COVERS THE PRACTICES OF CARPE AND WE ARE NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OF ANY WEBSITES OR SERVICES YOU MAY ACCESS FROM OUR SITE.  BY REGISTERING, ACCESSING, BROWSING OR OTHERWISE USING THE SITE OR ANY OF OUR RELATED SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO THIS AGREEMENT.  IF FOR ANY REASON OR AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE USE OF THE SITE.  WE CAN CHANGE THIS AGREEMENT AT ANY TIME WITHOUT NOTICE TO YOU.  THE LAST REVISED DATE ABOVE REPRESENTS THE LAST TIME WHEN CHANGES HAVE BEEN MADE TO THE AGREEMENT.

 

Your privacy is important to us. 

 

 

We collect information from you including, but not limited to:

 

1) Self-reported financial and employment information,

 

2) Self-reported demographic information,

 

3) Self-reported contact information, and

 

4) Self-reported geographic information.

 

 

We use this information to:

 

1) provide information related to Services that fit with your collective profile,

 

2) respond to your requests and/or provide you with information,

 

3) research and analyze your use of, or interest in, our products, services and content,

 

4) manage our business,

 

5) manage our customer relationship with you,

 

6) send you marketing or other communications, and

 

7) display content based on your interests.

 

Carpe may share some of the personal information that you provided, including but not limited to your full name, e-mail address, self-reported information, state of residence, loan amount request, (collectively, “Self-Reported Information”) with our lender partners including banks, lenders, and credit-related service companies (“Partners”).

 

As is true of most websites, we automatically gather information about your computers including but not limited to your IP address, browser type, referring/exit pages, and operating system and store it in log files.  Carpe or our affiliates, agents or third-party suppliers will also use technologies such as cookies, beacons, tags or scripts.  Cookies can be used for website functionality, security, marketing, analytics, and ad operations.  We may combine this automatically collected log information with other self-reported information provided to us. 

 

You may stop receiving any of our electronic communications by contacting us at info@carpe.com.

 

We may share your information with third-parties as described in this Privacy Policy.  We may also disclose your information as required by law such as to comply with a subpoena, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety, investigate fraud or respond to a government request, or if Carpe is involved with a merger, acquisition, or sale of all or a portion of its assets.  You will be notified via email or a prominent notice on our Site of any changes in ownership or use of your personal information.

 

To protect your personal information from unauthorized access and use, we use security measures including computer safeguards, secured files and encryption technology including but not limited to secure socket layer (SSL).  We follow generally accepted standards to protect the information submitted to us, both during transmission and after we receive it.  However, no method of electronic transmission is 100% secure – therefore, we are unable to fully guarantee security.  If you have any questions about our process and practices, please reach out to us at info@carpe.com


Special Notice to California Residents

 

If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

 

Carpe may not share information about you with other companies, whether affiliated or not, except in the limited circumstances permitted under state law, or if you give us permission.  You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes.  California law gives you the right to request from us the following information: (i) categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year; (ii) names and addresses of the third parties that received that information; and (iii) if the natur of the third party’s business cannot be determined from their name, examples of products or services marketed. 

 

To make such a request, please contact us at info@carpe.com

 

Special Notice to Vermont Residents

 

We will not share any information about you with other companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.

 

Special Notice to North Dakota Residents

 

We will only share information about you with our service providers and with third parties as required or permitted by law, or if you give us permission.

 

Any more questions?  We can be reached via regular mail at Carpe.com, 1600 Main Street, Suite #143, Venice, CA 90291 or via email at info@carpe.com.