Centennial Funding Privacy Policy

EFFECTIVE DATE: June 17, 2016

The Centennial Financial (“We” or “Centennial Funding”) Digital Privacy Policy (USA) (“Privacy Policy”) describes how we gather and use your information through a variety of means. By accessing this website, or other Centennial Funding services (collectively, the “Website”) on any computer, mobile phone, tablet or other device (collectively, “Device”), you agree to our Privacy Policy. Centennial Funding may modify this Privacy Policy at any time. Your use of the Website constitutes your acceptance to this Privacy Policy and any updates. This Privacy Policy is incorporated into, and is subject to, the Terms of Use.

1. Data Information Collection Personal Data: Personally identifiable information (“Personal Data”) is any information that can be used to identify a specific individual, such as your name, email address, home address, phone number, and credit card information. This Website collects Personal Data when you interact with the Website. We may also obtain Personal Data from reputable third parties. Aggregate and Anonymous Data: Aggregate and anonymous data is information that does not identify you specifically including data collected automatically regarding your interaction with the Website (“AA Data”). Information we may collect includes, but is not limited to, the total number of visitors to the Website, the number of visitors to each page of the Website, device identifier and hardware information, IP address, browser type and language, cookie information, system type, whether or not you have enabling software to access certain features, access times, referring website URLs and other information about your interaction with us. Centennial Funding may analyze this AA Data for trends and statistics, but such information will be maintained, used in aggregate form only and it will not contain Personal Data other than an IP address. We may use such AA Data to analyze trends to better administer the Website. We may use third party service providers to help us operate our business or administer activities on our behalf. We may share your information with these third parties for those limited purposes.

2. Cookies and Similar Technologies: We use “cookies” or other similar technologies to collect AA Data. A “cookie” is a data file placed on a Device when the Device is used to visit the Website. When you click on a “Buy” button or a promotional offer on the Website, an affiliate cookie tracks your use and any purchases made on third party merchant web sites; this allows Centennial Funding to collect commissions on purchases that you make from third party merchants. We may also use a service that collects data remotely by using “pixel tags,”“web beacons,”“clear GIFs,” or similar means. This information is AA Data.

3. Privacy of Children: We do not knowingly collect or solicit Personal Data from children under the age of eighteen (18).

4. Use of Your Data Personal Data: We will use your Personal Data for the purposes for which it was provided. For example, if you provide Personal Data to enter a contest or sweepstakes, we will use it to enter you. We may also use your Personal Data to provide you with information about features, services, and other offerings that may be of interest to you. If you provide us with your telephone number, we may use it to call you about your order or to provide information and offers about other products or services we offer. We also may send information or offers to Website users on behalf of other businesses. Under certain circumstances (for example if you win a contest) we may post your Personal Data on the Website. We will notify you of this possibility when you provide the Personal Data and, if possible, when the Personal Data is posted. Cookies and similar tools may be used to relate your use of the Website and AA Data to Personal Data. If any AA Data is linked with Personal Data, the linked AA Data will then be treated as Personal Data. AA Data: We may also use Personal Data in aggregate form for purposes of research or analysis. We may share this type of AA Data with a variety of third parties, including our affiliates, agents, and current and prospective business partners. We may use AA Data collected from the Website for site administration, advertising and promotional purposes, and we may share such information with various affiliated and unaffiliated entities for such purposes. We may also enter into agreements with outside companies that possess technology that allows the Website to customize the advertising and marketing messages you receive on the Website. This data may be shared with these companies for this purpose.

5. Disclosure of Personal Data: Disclosure to Third Parties: We may provide your Personal Data to carefully-screened marketing partners or other third parties for the purpose of contacting you with marketing and other information about products, services, or publications in which we believe you may have an interest. These partners may offer you products and services they think may be of interest to you. If you do not want us to share your Personal Data with marketing partners or third parties for their marketing or promotional purposes, you may opt-out of such sharing by contacting us at [email protected]. In addition, we may hire other companies to perform certain business-related functions on our behalf. When we employ a third party to perform these functions, that third party will only be provided with the particular Personal Data it needs to perform its function, and is required to protect the Personal Data. We may also share Personal Data with third parties for purposes specified at the time of collection, such as for their marketing or promotional purposes. We will provide you with an opportunity to elect or decline these services or opportunities (see “Your Choices” below). In the event you have elected to unsubscribe from any of our services, we will share your Personal Data with third parties with whom we jointly offer such services solely to the extent necessary to ensure that your request not to receive such communications is honored. In addition, for third party sponsored sweepstakes, contests, or promotions, we may request Personal Data from you that may be shared with the sweepstakes sponsor upon request. Disclosure to Others: We may disclose Personal Data without providing you with a choice under the following circumstances to: (1) protect the legal rights, privacy or safety of Centennial Funding or its subsidiaries, affiliates or its or their employees, agents and contractors; (2) protect the safety and security of visitors to the Website or other properties; (3) protect against fraud or other illegal activity or for risk management purposes; (4) respond to inquiries or requests from public authorities; (5) permit us to pursue available remedies or limit the damages that we may sustain; (6) enforce our Terms of Use; or (7) comply with the law or legal process. Your credit card numbers, CVS (back of the card) numbers and expiration dates are never revealed by the Website to anyone except to processing agencies and/or law enforcement authorities and/or in connection with fraud investigations and litigation. If Centennial Funding sells all or part of the Website or makes a sale or transfer of assets or is otherwise involved in a merger or business transfer, we may, in our sole discretion, transfer, sell or assign your Personal Data to a third party as part of or in connection with that transaction. Upon such transfer, the Privacy Policy of the acquiring entity may govern the further use of our Personal Data.

6. Links to Third Party Sites / Merchants : The Website contains links to third party web sites. Centennial Funding is not responsible for the privacy practices or the content of these third party web sites, including any sites that speak to a special relationship or partnership with Centennial Funding. Be aware that these third party web sites are not controlled by Centennial Funding and are not subject to this Privacy Policy. To ensure the protection of your privacy, you should review the applicable privacy policy of any third party web site you link to from this Website.

7. You can use the Website without providing any Personal Data, but if you decline to provide Personal Data, you may not be able to use certain services or features. If you have previously provided Personal Data to the Website and are receiving emails or other communications from the Website and you do not want to receive such emails, please discontinue your subscriptions by contacting us at [email protected], or clicking “unsubscribe” at the bottom of the communication. We may, however, retain records of your Personal Data as needed in order to comply with applicable federal, state, or local law. You may elect or decline to receive offers of interest from third parties by contacting us at [email protected]. If you have unsubscribed from any Centennial Funding communications, due to advanced production schedules, you may receive communications already in production.

8. Public Sharing: If you join or use certain social media services from the Website, you agree to publicly share a basic amount of information like your user name and city location. You may also choose to share your activity on other social media platforms, such as Facebook and Twitter. Please read the privacy policies of those social media platforms, as your information and activity that are published on those platforms will no longer be governed by this Privacy Policy.

9. Centennial Funding Sharing Information that is publicly shared may be used by Centennial Financial for promotional purposes.

10. California Privacy Rights Under California’s “Shine the Light” law, California residents who provide Personal Data to the Website may request certain information regarding our disclosure of Personal Data to third parties for their direct marketing purposes. To make such a request, please contact us at [email protected].

11. Protecting Your Information: We take reasonable security precautions to secure the Personal Data that you choose to provide against the loss, misuse, alteration, or unauthorized access of such information. Unfortunately, no transmission of data over the Internet is guaranteed to be completely secure. While we strive to protect your Personal Data, we cannot ensure or warrant the security or confidentiality of any Personal Data you transmit to us.

12. Terms of Use: Your use of the Website and its services, and any disputes arising from them, is subject to this Privacy Policy as well as the Terms of Use. Please review our Website Terms of Use, which explains other terms governing the use of the Website and our services.

13. Changes to this Privacy Policy: From time to time, we may revise this Privacy Policy. If we make material changes to the way we collect or use Personal Data, we may provide notice of those changes by either: (1) announcing the change on the home page of the Website; or (2) taking such other action as we deem appropriate under the circumstances, such as posting the revised draft of this Privacy Policy on the Website. By continuing to use the Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, please do not continue using the Website.

14. Contacting Centennial Funding: If you have any questions about this Privacy Policy, Personal Data gathered by this Website, or about the operation of this Website, or if you wish to unsubscribe from the Website, please contact us at [email protected] or write to us at: Centennial Funding, 1460 Broadway, New York, NY 10036.

"Cookies” are small data files transferred by a website to your computer’s hard drive. Centennial Funding or its service providers send cookies when you surf our site or sites where Centennial Funding ads appear, make purchases, request or personalize information, or register yourself for certain services. Accepting the cookies used on our site, sites that are “powered by” another company on Centennial Funding’s behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalize and enhance your experience. Cookies are typically classified as either “session” cookies or “persistent” cookies. • Session cookies do not stay on your computer after you close your browser. • Persistent cookies remain on your computer until you delete them or they expire. Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, there may be some features of our site that will not be available and some Websites may not display properly. In most instances, however, a customer may refuse a cookie and still be able to navigate our website without issue. A web browser is usually set to accept cookies automatically but can be changed to decline them. Information on how to adjust cookie preferences (e.g., preventing your browser from accepting new cookies, etc.) are located in the help and support section of your browser. In most cases, a visitor may refuse a cookie and still fully navigate our Website. Like many companies, we use cookies and other tracking technologies on our online services (referred to together from this point forward as “Cookies”, unless otherwise stated) including HTTP cookies, flash cookies, HTML5 and Flash local storage, web beacons/GIFs, embedded scripts, and e-tags/cache browsers. We may use Cookies for a variety of purposes and to enhance your online experience, for example, by remembering your log-in status and viewing preferences from a previous use of an online service, for when you later return to that online service. Centennial Funding does not store passwords or any other information about a visitor in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated customer information may help Centennial Funding assess the performance of its website and develop strategies to maximize utility. This information may be provided to other companies, including but not limited to third party advertisers. This information does NOT include any personal details that can be used to identify individuals. The cookies that Centennial Funding uses on its Website • Security Cookies – Session cookies used to support security measures within the site. • Yield Manager – This is a tracking pixel that records traffic coming from 3rd party sources. • LivePerson – A tracking pixel used to track web session for customer service web chat. • Centennial Funding – Contains a session cookie recognizing applicant to process loan application through completion • Iovation – Contains a cookie to identify applicants electronic device • DoubleClick – This is a tracking pixel that records traffic coming from 3rd party sources. • H Online – Contains a cookie to identify applicants electronic device • Google Analytics – Web analytics tracking • Google Adwords – Conversion tracking How long does Centennial Funding keep personal information? • Centennial Funding will maintain the information that is necessary to enable Centennial Funding to provide the requested service and only for as long as it takes Centennial Funding to provide any such requested service. • Centennial Funding may still need to keep personal details of customers to ensure that systems reflect your preferences even if a customer has chosen to opt out of allowing Centennial Funding to use that customer’s personal details for marketing purposes. • Centennial Funding may keep records of any transactions a customer enters into on the Centennial Funding Website for a minimum of six years from the end of Centennial Funding’s relationship with the customer. • Centennial Funding may keep other information about a customer only to the extent necessary to comply with applicable laws and to further legitimate business needs. Third Party Websites. We use third party advertising and media companies to serve ads on our behalf across the Internet and to help manage and optimize our Internet business and communications. Through the use of Cookies, such third party companies may collect anonymous information about your visits to our site and your interaction with our ads and content. For instance, they may keep track of how many of our ads you have seen on other web sites before visiting our web site. This information is used to understand your browsing behavior and interests so that we can identify your needs and provide service that is tailored to you. Browser Signals. We do not currently take actions to respond to “Do Not Track” signals from your browser because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.

Opt In To Receive Communications
I hereby consent to the E-Sign Agreement, the “Credit Authorization Agreement the Terms of Service and the Privacy Policy and am/are providing written consent under the FCRA for Centennial Funding and its partners to obtain information from my profile. I agree to be contacted by Centennial Funding and its partners at the telephone number(s)/email address(s) I have provided above to explore personal loan offers, including contact through automatic dialing systems, artificial or pre-recorded voice messaging, text message and any other electronic communication tools. I understand my consent is not required as a condition to purchasing any goods or services from anyone.

Centennial Funding
999 18th St
Suite 3000
Denver, Colorado 80202

You are one step away from being debt free CALL TOLL FREE :

Received a personal customer code in the mail? Have it handy when you call to access your customized plan and save time.

Schedule a Call Back

Refer a friend and receive $500 REBATE *

Once you’re enrolled, refer a friend, family member or colleague and we’ll give you $500 off your total amount due. It couldn’t be any easier.


Found debt freedom for yourself, but know someone who could use our help? If you’re friend enrolls but you have no debt to pay down, we’ll give you $100 cash.