Website Practices

This Privacy Policy applies with respect to the information that Presidential Financial Corporation and its affiliates (the "Company") collect from the Company Website, located at www.presidentialfinancial.com. Amendments to this Privacy Policy will be posted at this URL and will be effective when posted. Your continued use of this site following the posting of any amendment, modification or change shall constitute your acceptance thereof.

I. INFORMATION COLLECTED
We collect non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address, computer settings or most-recently visited URL. We may also ask you to provide certain non-personally identifiable information about yourself, such as your age, etc. We do not collect any personally identifiable information about you unless you voluntarily submit such information to us, by, for example, filling out a survey or registration form. The types of information that may be requested include your name, address, email address, and telephone number. 

II. USE OF INFORMATION
In general, we will only use the information you provide to us for the purpose for which such information was provided. We may also use this information to deliver to you information about our company and promotional material from some of our affiliates, and/or for the purposes of trend analysis, pattern detection, and site administration. Your information may also be used to contact you when necessary. Users may opt-out of receiving future mailings from Company by following the instructions set forth in the opt-out section below. 

Non-personal demographic and profile data may be used to tailor your experience at our site, showing you content in which we think you might be interested. This information may also be shared with advertisers on an aggregate, non-personal basis. Federal law authorizes us to use and to disclose personal information to third parties for the following purposes: (a) when necessary to provide our services or carry out business activities and (b) as required by law or legal processes. Without limiting the generality of the foregoing, we may provide personal information to third parties who are providing services to us on your behalf; to a successor, to our business or the assets thereof; and/or in connection with any legal dispute between you and us or any third party. Presidential Financial does not knowingly market or solicit information from children under 13 without parental consent.

III. USE OF IP ADDRESSES
We use your IP Address to help diagnose problems with our server, and to administer our Website.

IV. USE OF COOKIES
When you view our Website, we might store some information on your computer. This information will be in the form of a "cookie" or similar file. Cookies are small pieces of information stored on your hard drive, not on our site. Cookies do not spy on you or otherwise invade your privacy. Rather, they help you navigate a Website as easily as possible. We use cookies to deliver content specific to your interests and to prevent you from reentering all your registration data at each connection. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. If you choose not to accept cookies, however, some web pages may not display properly or you may not be able to access certain information.

V. SECURITY
Our site has industry standard security measures in place to protect the loss, misuse and alteration of the information under our control. While there is no such thing as "perfect security" on the Internet, we will take all reasonable steps to insure the safety of your personal information.

VI. OTHER WEBSITES; LINKS
Our website contains links to other websites. The Company is not responsible for the privacy practices or the content of such websites, and you should review the privacy policy of such websites prior to visiting.

VII. CORRECT; UPDATE
We allow our users the option to change or modify information previously provided. This may be done by sending an email to pfc-webmaster@presidentialfinancial.com.

Unfortunately, to the extent such information is also stored in other databases, we cannot always ensure that such corrections or deletions will reach the other databases. We will use all reasonable efforts to ensure that your information is removed from or corrected in our records.

VIII. CHOICE; OPT OUT
You may opt-out of receiving communications from our affiliates, and from us, by sending an email to pfc-webmaster@presidentialfinancial.com.

IX. PUBLIC FORUMS
This site may make chat rooms, forums, message boards, and/or news groups available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

X. SENDING COMMENTS/ONLINE FORMS-USE OF PERSONAL INFORMATION
If you choose to provide us with personal information, through such methods as completing an online form or sending us an email, we will use that information to respond to your message and to help us get you the information or services you have requested.

We do not create individual profiles with the information you provide. If information is collected, it will be used solely in connection with such purposes as are described at the point of collection. We do not give, sell, or transfer any personal information to a third party.

However, your email message, question, or comment may be forwarded to other Presidential Financial employees who may be better able to help you. Except as required by law or by the request or requirement of any judicial, legislative, administrative or other governmental body, we do not share our email with any other outside organizations. However, email and online forms are not secure against interception and senders cannot expect privacy. If you are concerned about transmitting personal information such as social security numbers, contact the web page owner for an alternative method to provide the necessary information

Contact us: If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this Website, you can contact us at 800-563-6065 or by emailing pfc-webmaster@presidentialfinancial.com.

HIPAA Compliance
As your lender, Presidential HealthCare Credit is a HIPAA "business associate" and agrees to take on all corresponding responsibilities under the Privacy and Security Rules.