Privacy Policy

PLEASE READ CAREFULLY

Last Updated: May 10, 2019

Welcome to Torque, a website operated by Leveragebox LLC (the “Company”, “we”, “us”, or “our”). We consider privacy to be of utmost importance to our users. We respect your privacy and are committed to protecting it through our compliance with this privacy policy (this “Privacy Policy”). This Privacy Policy describes the types of information we may gather from you or that you may provide to us when you use our website, https://torque.loans (the “Website”) and the services, features, and functionality offered by the Company (together with the Website, the “Services”). Our terms and conditions (the “Terms and Conditions” or “Terms”), which can be found at https://torque.loans/tos, are expressly incorporated herein by reference and are an integral part hereof.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. IF YOU ARE UNWILLING TO AGREE TO THIS PRIVACY POLICY, OR YOU DO NOT HAVE THE RIGHT, POWER AND AUTHORITY TO ACT ON BEHALF OF AND BIND THE BUSINESS, ORGANIZATION, OR OTHER ENTITY YOU REPRESENT, DO NOT CLICK ON THE BUTTON, DO NOT ACCEPT, AND DO NOT ACCESS OR OTHERWISE USE THE WEBSITE AND/OR SERVICES.

1. Changes to this Agreement
   1. We reserve the exclusive right to make changes to this Privacy Policy from time to time, in our sole discretion. Your continued access to and use of the Services constitutes your agreement to be bound by specific terms of this Privacy Policy posted at such time. You acknowledge and agree that you accept this Privacy Policy (and any amendments hereto) each time you access the Website or utilize the Services in any manner. Therefore, we encourage you to review this Privacy Policy regularly as you shall be bound by it.
   2. If, within thirty (30) days of us posting changes or amendments to this Privacy Policy, you decide that you do not agree to the updated terms of the Privacy Policy, you may withdraw your acceptance to the amended terms by providing us with written notice of your withdrawal from this Privacy Policy to the email address provided in Section 8.1 hereof. Upon providing us with the written notice of the withdrawal of your acceptance to this Privacy Policy, you shall no longer be authorized to access or use the Website or Services, and you must immediately cease in doing so.
2. Eligibility
   1. Age. By accessing our using the Services, you represent and warrant that you are at least eighteen (18) years of age. If you are under the age of eighteen (18), you may not, under any circumstances or for any reason, use the Services.
   2. Legality. You are solely responsible for ensuring that this Privacy Policy are in compliance with all laws, rules, and regulations applicable to you and in your jurisdiction. If your use of the Services, or any functionality provided or activity enabled thereby, is prohibited or conflicts with any applicable law, rule or regulation, you may not, under any circumstances or for any reason, use the Services.
   3. Criteria. We may, in our sole discretion, refuse to offer the Services to any person or entity and change the eligibility criteria for use thereof at any time.
3. Applicability
   1. This Privacy Policy applies to all of your interactions with us via the Website, through your use of the Services, and your interactions with us in connection therewith.
4. Types of Information We Collect
   1. We DO NOT Collect Personal Information. In the course of your access to, and use of, the Website and Services, we DO NOT request or collect any information from you by which you may be personally identified, including your name, postal address(es) (street number, city, state, zip code, country), e-mail address, telephone number, or any other identifier by which you may be contacted online or offline (“Personal Information”).
   2. We ONLY Collect Non-Personal Information. In connection with your access to, and use of, the Website and Services, we may gather information from your browsing session that does not individually identify you, such as your IP address, domain server, internet browser and version, device, and data related to usage, performance, site security, traffic patterns, and compliance with the Terms and Conditions (“Non-Personal Information”).
5. How We Gather Non-Personal Information From You or About You
   1. We gather Non-Personal Information automatically as you navigate through the Website, including general Website and Services usage details, time stamps, IP addresses and information gathered through cookies, analytics providers, web beacons, and other tracking technologies.
   2. As you navigate through and interact with the Website and the Services, we may use automatic data collection technologies to gather certain information about your computer equipment, browsing actions and patterns, including:
      • Usage Details. When you access and use the Website and Services, we may automatically gather certain details of your use of the thereof, including traffic data, location data, logs, time stamps, and resource use.
      • Device Information. We may gather information about your computing device’s internet connection, including your IP address and browser type.
   3. To facilitate automatic collection of Non-Personal Data, we may use a number of technologies, including for example, browser cookies. A browser cookie, not a part of the Website or the Services, is a small file placed on your computing device. You may refuse to accept browser cookies by activating the appropriate setting on your device. However, if you select this setting you may be unable to access certain aspects of the Website or Services. Unless you have adjusted your device setting so that it will refuse cookies, whenever you interact with us via a web browser our system may issue cookies.
6. Third-party Use of Cookies and Other Tracking Technologies
   1. Some content or applications on the Website or that are provided in connection with the Services are served by third parties, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to gather information about you when you use the Website and Services. WE DO NOT CONTROL THESE THIRD PARTIES’ TRACKING TECHNOLOGIES OR HOW THEY MAY BE USED. IF YOU HAVE ANY QUESTIONS ABOUT AN ADVERTISEMENT OR PERCEIVED TARGETED CONTENT, YOU SHOULD CONTACT THE RESPONSIBLE PROVIDER DIRECTLY.
7. How We Use Your Information
   1. We use information that we gather about you in a manner described above or that you provide to us to:
      • Present the Website and its contents to you;
      • Make the Services available to you;
      • Provide you with information that you request from us;
      • Improve the Services that we offer;
      • Monitor, review, and improve the function and efficiency of the Services;
      • Facilitate transactions that you initiate, enter into, or otherwise participate in through or via the Services;
      • Carry out our obligations to you and to third parties;
      • Allow you to participate in interactive features of the Services;
      • Fulfill any other purpose for which you provide it (including automatic gathering of information or information that you provide to a third party); and
      • Carry out any other action or other purpose with your consent.
   2. We do not collect, store, process, host, access, or utilize, share, disseminate, or disclose any of your Personal Information.
   3. We may disclose Non-Personal Information at any time, for any purpose, and without restriction.
8. Notices
   1. The Website is operated by the Company. All feedback, comments, questions, requests for technical support, requests for information and other communications relating to the Website or this Privacy Policy should be directed to: