Privacy Policy

Effective Date: December 1, 2024

Consent

By using our website, you agree to our Privacy Policy and consent to its terms. Your use of our services indicates your acceptance of how we collect, use, and protect your information.

Information We Collect

We may collect personal and non-personal information to provide and improve our services. This includes:

Personal Information:
- Name, email address, phone number, and physical address.
- Proof of income (e.g., pay stubs, bank statements) for financing purposes.
- Details you provide when registering for an account or contacting us directly.
Non-Personal Information:
- IP addresses, browser type, device information, and interaction data via cookies and analytics tools.

How We Use Your Information

We use the information collected for purposes such as:

Providing and maintaining our services.
Personalizing and improving user experiences.
Understanding how our website is used to enhance its functionality.
Communicating with users for customer support, updates, and promotional purposes.
Preventing fraud and ensuring the security of our platform.

Log Files

IBA uses standard log files to track website activity. This includes IP addresses, browser types, ISP details, timestamps, referring/exit pages, and click data. These are used for analyzing trends and improving site functionality but are not linked to personally identifiable information.

Cookies and Web Beacons

Cookies are used to enhance your browsing experience by storing preferences and tracking website usage. You can manage cookie preferences through your browser settings. Some cookies may also be used by third-party advertisers for targeted advertising.

Advertising Partners

Our advertising partners, including Google, may use cookies like DART to deliver relevant ads based on your browsing behavior. You can opt out of personalized advertising through Google's Ads Settings.

Third-Party Privacy Policies

IBA's Privacy Policy does not apply to third-party advertisers or websites. We encourage you to review their respective Privacy Policies for detailed information on data collection and management.

CCPA Privacy Rights (For California Residents)

California residents have the right to:

Request access to the specific personal data collected about them.
Request deletion of their personal data.
Opt-out of the sale of their personal data.

To exercise these rights, contact us. We will respond within one month.

GDPR Data Protection Rights (For European Residents)

Under GDPR, you have the right to:

Access and obtain copies of your personal data.
Request corrections to inaccurate or incomplete data.
Request deletion of your personal data under certain conditions.
Restrict or object to the processing of your data.
Request data portability to another organization.

To exercise these rights, contact us. We will respond within one month.

Children’s Information

Protecting children’s privacy is a priority. IBA does not knowingly collect personal data from children under 13. If you believe your child has provided such information, contact us immediately, and we will remove it promptly.

Data Security

We take data security seriously and use measures such as encryption, firewalls, and role-based access to protect your information. Despite these efforts, no method of online storage or transmission is entirely secure.

Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal obligations. Any updates will be posted on this page, and the effective date will be updated accordingly.

Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

Email: info@incomebasedapproval.com
Phone: +1-862-291-4644
Address: Paterson, NJ