Privacy Policy

Last Updated 01/20/2014

PaneraiCentral.com (“Company” or “we” or “our”), owns and operates the website located at PaneraiCentral.com, (the “Site”). Through the Site, Company operates a prospective customer data base (the “Service”), by which it compiles, sorts and transfers contact information to businesses on behalf of individual consumers who have shown an interest in applying for a business’ products or services and has affirmatively asked to be contacted by a representative of a product or service business. Company utilizes third party vendors, third party affiliates, and a variety of media advertisements to promote the Site to consumers interested in completing an online application at our Site

Company also promotes its product and service offerings via e-mail or telephone to consumers who requested that they be contacted either through our online application opt-in process via our Site or through an Opt-In process on one of our many vendor or affiliate sites (List Members). List Members will then receive email or telephone contacts only for so long as they wish to continue to receive such contacts.

List Members can get off our telephone and e-mail contact lists at any time, no questions asked. You can remove yourself from further contact from Company by clicking on the OPT-Out link contained in each e-mail, or by sending in your OPT-Out request via e-mail to [email protected].

If you choose to remove yourself from our contact list, if applicable, we will also forward your name and contact information to the specific vendor or affiliate marketer who provided your informational request to us so that they can include your name on their do-not-contact list too. Please bear in mind that if your information was purchased commercially from a third party vendor, Company may not be the only data company your contact information was sold to.

Additionally, our third party vendor or affiliate may have purchased your contact information from someone else and thus you may continue to receive contacts from those companies as well. Company is not responsible for stopping all unwanted contacts from sources beyond our immediate control.

Your privacy is our concern:
We recognize the importance of protecting your personal information. We collect and retain information about you to communicate with you, to process your requests for products and services, and to inform you about other financial services that may be of interest to you through our newsletter. Except as explained here in our Privacy Policy, we do not sell nonpublic personal information about current or former customers, nor do we share this type
of information with anyone other than our affiliates. The examples in this Privacy Policy are illustrative only and are not intended to be exclusive.

We want consumers to feel comfortable using the Site and participating in the Service, so we have created this Privacy Policy to let you know what information we may collect from you on the Site and through the Service and how we may use that information. Please take a moment to review the terms of our Privacy Policy. By using the Site and participating in the Service, you agree to accept the terms of our Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Site or participate in the Service.

Minors
PaneraiCentral.com does not knowingly collect personally identifiable information from children under 13 years of age.

General information collection and use
GetLootToday.com DOES NOT COLLECT any personal information on our website. GetLootToday.com is strictly a matchings service for our advertiser network. Please view the privacy policies of each of the offers that are part of our advertising network to get the latest information in regards to their specific offer.

Choice/opt-out
Our site provides users the opportunity to opt-out of receiving communications from us and our partners as previously described above.

This site gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service. You can send e-mail to [email protected].

Please note that participation in certain activities on our web site may be limited if personally identifiable information is not submitted for the user. E-mail addresses and phone numbers received in an opt-out request will be added to our internal Do-Not-Contact registry within ten(10) Business days following receipt.

Cookies
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. If a user rejects the cookie, they may still use our site however without cookies the user may not have access to certain features on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. To do this we use a tracking utility service offered by Web Trends, Inc. All cookies served on the domain, both session and persistent are tied to the Personally Identifiable Information you provide.

Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies once set on our site.

Links
This web site contains links to other sites. Please be aware that Company is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by Company even in cases where we may frame another site with our own. From
time to time we may co-brand certain services with third parties. It will be clear at the point of collection who is collecting such information and whose privacy statement governs. For example, without limiting the foregoing, we co-brand with insurance brokers, credit reporting agencies and, automotive companies.

Security
We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access, which are located in controlled facilities. When we transmit highly confidential information over the Internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Disclosure
We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Agreement. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances as required by law, third parties may unlawfully intercept or access transmissions or private communications.

In addition, as noted above, if you opt-out of future contact from Company by using the opt-out mechanism provided in each e-mail we send to you on behalf of a third party service provider other than Company, we will provide your email address to the third party service provider so that the third party service provider can add your name and contact information to its own do-not-contact list.

As Company develops; we may buy other businesses or their assets or sell our business assets. Customer information is generally one of the business assets involved in such transactions. Thus, in the event that Company or all of its assets are acquired, customer information, including any visitor information collected through the Site, would be one of thetransferred assets. For more information see our Notification of Changes section below.

Finally, Company reserves the right to disclose member information in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Company’s rights or property, other visitors, members, or anyone else that could be harmed by such activities. Company also reserves the right to disclose visitor or member information when we believe in good faith that the law requires it.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

Sharing information with affiliates
GetLootToday.com DOES NOT COLLECT any personal information on our website. GetLootToday.com is strictly a matchings service for our advertiser network. Please view the privacy policies of each of the offers that are part of our advertising network to get the latest information in regards to their specific offer.

Sharing information with co-branded partners
Some of the services offered on our website are co-branded with contracted partners. Co-Branded offerings will be identified directly on the Quote Request form for the product orservice you choose prior to you having to submit the Quote Request. Where a co-brandedproduct or service provider is identified your Personally Identifiable information will beprovided directly to that providers website, not PaneraiCentral.com. The Product or Serviceprovider shall control your data once submitted to them. For purposes of identification andtracking, your contact information (name, Address, Phone, e-mail address, etc.) is shared with PaneraiCentral.com

We may use personal information to provide the services you’ve requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending “STOP”, “END”, “QUIT” to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

Do Not Call Registry Compliance:
By submitting personal contact and/or financial information, the user hereby grants written permission to PaneraiCentral.com, its affiliated sites, and its business partners for contact via telephone, mail, and/or e-mail. Further, by registering at PaneraiCentral.com you are
consenting to receive phone calls from PaneraiCentral.com, its affiliated sites, and its business partners for contact via telephone, including but not limited to lenders that may contact you regarding a loan and thereby registrants waive their right to file a claim with the FTC or any other agency in reference to these calls or contacts.

SMS Marketing Opt In:
You understand and agree that by voluntarily opting-in to mobile marketing and submitting Your information on this Site to register for Company’s services you authorize and willingly request Company, its affiliates, and other interested third parties to send text-message based communications (“SMS Messages”) to Your mobile device. You further understand and agree that based on Your individual carrier and plan, SMS Message and data rates may apply, and that You are solely responsible for such charges. You further understand and agree that by authorizing and willingly requesting Company, its affiliates, and other interested third parties to send you SMS Messages, you thereby waive your right to file a claim with the FTC or any other agency with regard to such contact. You represent and warrant to Company that You are eighteen (18) years of age or older, that You own or are authorized to use the mobile device to which such SMS Messages may be sent, and that You are authorized to approve any applicable charges. You authorize Company, its affiliates, and other interested third parties to send SMS Messages to Your mobile device, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries.

SMS Marketing Opt Out:
You understand and agree that you must follow the opt-out procedures indicated in a given SMS Message (by texting “STOP”) if You choose to no longer receive SMS Messages from that individual sender. All requests to unsubscribe from receipt of SMS Messages from Company are added to Company’s Do-Not-Contact list within ten (10) days of receipt. If You unsubscribe from receipt of SMS Messages from Company, You may continue to receive SMS Messages from third parties with which You have already subscribed. Requests to unsubscribe from receipt of SMS Messages from third parties must be communicated directly to such third parties. Notwithstanding the foregoing, You understand and authorize Company, its affiliates, and other interested third parties to again send You SMS Messages should You resubmit Your information on this Site to register for Company’s services.

Our former customers
We treat information about our former customers in the same manner as we treat information about our current customers.

Confidentiality and security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information against unauthorized access or use.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

Site and service updates
We will send the user site and service announcement updates. Members are not able to unsubscribe from service announcements, which contain important information about the service. We also communicate with user to provide requested services and in regards to issues relating to the account via e-mail or telephone when requested.

Notification of changes
If at any point we decide to use personally identifiable information in a manner materially different from that stated at the time it was collected, we will prominently post a notice on the website for 30 days. We may also make a reasonable effort to notify users by way of an e-mail. Users have a choice as to whether or not we use their information in this materially different manner.

Correct / Update Information
If you would like to verify any data that we have received from you, make any corrections or disable the use of your personal information, please contact us at [email protected].

Privacy Rights of California Residents: Companies that collect personally identifiable information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having his or her information shared with third parties. We have elected the second option, and you may request that your personally identifiable information not be shared with third parties by sending your request, including your full name, email address and postal address, to: Palm Web Services, LLC, RG Solomon Arcade, Suite 11, P.O Box 605 Charlestown, Nevis, West Indies. California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].