Privacy Policy

Last update: March 15th, 2017

This Privacy Policy explains how information is collected, used and disclosed by us, Radius, with respect to your access and use of our Loan Management Solution (the “Service”), which is provided through Radius’s website and/or mobile application operated by NQLB LTD. This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site. We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.
 
Information Collection And Use 
While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to your name (“Personal Information”).
 
Categories of Information We Collect 
  1. Information You Provide to Us : When you register to use Radius, communicate with customer service, or send us an email, you provide us with information that we collect. Such information may include your IP address, name, physical address, email address, phone number, cell phone number, credit card information, alternative payment details and other information such as gender, occupation and other demographic information. By providing us with this information, you consent to your information being collected, used, disclosed and stored by us in accordance with this Privacy Policy.
  2. Other Information We Receive and Store : When you register to use Radius, we store “cookies,” which are strings of code, on your computer. We also use electronic images known as Web beacons. With those cookies, we are aware of and collect information concerning when you visit our Website, when you use Radius, your browser type and version, your operating system and platform and other similar information. With Web beacons, we can determine when you open email we send you, and collect other data. You may turn off all cookies that have been placed on your computer by following the instructions on your browser on how to block cookies that have been placed on your computer. However, if you block our cookies it will be more difficult, and maybe impossible, to use the Services.
  3. Tracking Our Emails to Our Customers : When we send emails to our own registered Radius customers, we’ll sometimes track who opened the emails and who went so far as to click on any of the hyperlinks. We do this to measure the performance of our Email Campaigns, and to improve our offerings to specific customer segments.
  4. Information From Other Sources : We may obtain additional information about you by using your email address, or other information, to directly, or through one or more services, search over the internet, or elsewhere. We thereby obtain information that appears to be related to such email address or other information, such as a name, age and participation in social media websites.
 
Use and Disclosure of Your Personal Information 
We will use and disclose your Personal Information only as follows: 
  1. To promote use, including continued use, of our Services. For example, if you leave your personal information when you visit our Website and do not sign up for any of the Services, we may send you one or more emails asking whether you wish to sign up. If you use any of our Services, and may benefit from using one or more other Services we offer, we may send you an email telling you about the other Service or Services.
  2. To bill and collect sums owed to us. Uses for this purpose include sending you emails, invoices, receipts and notices of delinquency, to alert you if we need a different credit card number, and to otherwise try to collect money owed. We use third parties to handle secure credit card transaction processing and send billing information to such third parties, who maintain all information in confidence, to process your orders and credit card payments.
  3.  To send you System Alert Messages to let you know about temporary or permanent changes to our Services including planned outages, new features offered, version updates, point releases, major releases, abuse warnings, changes to our Privacy Policy and possibly other documents and agreements.
  4. To help enforce compliance with our Terms of Use and applicable law including, but not limited to, helping to create credit bureau information, to develop and test algorithms, heuristics and other methods and tools for detecting violations and to apply those methods and tools.
  5. To provide customer support and obtain feedback.
  6.  To protect the rights and safety of us and our employees, Customers, owners, officers and others.
  7.  To meet legal requirements such as complying with court orders and valid subpoenas.
  8.  To provide information received hereunder to representatives and advisors such as attorneys and accountants to help us comply with legal and other requirements.
  9. To prosecute and defend a court, arbitration or similar proceeding.
  10. To support and improve the Services we offer including adding features and providing benchmarking and other comparison information regarding, for example, the relative success of a Customers compared to other institutions in the same or different regions. Benchmarking and similar information is derived from aggregating and analyzing data.
  11. To communicate with you concerning your account for an informational, as opposed to promotional, purpose.
  12.  To transfer your information in the event of the sale of substantially all of the assets of our business to a third-party or in the event of a merger, consolidation or acquisition. However, in such event, any acquirer will be subject to our obligations under this Privacy Policy.
  13. To send you informational and promotional materials that you elect (“opt-in”) to receive.
 
Customer Data 
Your clients and client’s information is stored on a secure Radius server. We do not, under any circumstances, steal your data, contact people on your database, sell your data, or share your data with any other party, except as required by law or, regarding contacting, except in response to a complaint. Only carefully selected, authorized personnel have access to view your data. We do not hold your data hostage. We do not make it difficult for you to reclaim it. You may export (download) your data from Radius at any time so long as we have a copy. We will use and disclose the information in your Data only for one or more of the following purposes:
 
  1. To help enforce compliance with our Terms of Use and applicable law including, but not limited to, helping to create white lists and black lists, to develop and test algorithms, heuristics and other methods and tools for detecting violations, and to apply those methods and tools.
  2. To bill and collect sums owed to us.
  3. To protect the rights and safety of us and our employees, Customers, owners, officers and others.
  4. To meet legal requirements such as complying with court orders and valid subpoenas.
  5. To prosecute and defend a court, arbitration or similar proceeding.
  6. To support and improve the services we offer including adding features and providing benchmarking and other comparison information based on aggregating and analyzing data.
  7. To transfer your information in the event of the sale of all, or substantially all, of the assets of our business to a third-party or in the event of a merger, consolidation or acquisition. However, in such event, any acquirer will be subject to our obligations under this Privacy Policy.
  8. To provide information received hereunder to representatives and advisors such as attorneys and accountants to help us comply with legal and other requirements.
  9. To provide customer support and obtain feedback about our Services, but only for and from the Customer whose Personal Information and User Data are being used.
 
Log Data 
Like many site operators, we collect information that your browser sends whenever you visit our Site (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor and analyse this.
 
Communications 
We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that …
 
Cookies 
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive. Like many sites, we use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Site.
 
Security 
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
 
Changes To This Privacy Policy 
This Privacy Policy is effective as of March 15th, 2017 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
 
Contact Us 
If you have any questions about this Privacy Policy, please contact us