Privacy Policy

Personal Energy Finance, Inc. dba Home Improvement Financial Solutions ("PEFI"), all participating municipalities, and all PEFI service providers respect your privacy and are dedicated to protecting the privacy of your information through our compliance with this policy. This policy applies solely to information that users and visitors such as contractors, participating municipalities, consumers, etc. provide through this PEFI online interface (i.e., website or mobile application) and any PEFI affiliate or subsidiary online interface that links to this policy, for example, [www.benjifinancing.com] (our “Website”). This policy describes the types of information we may collect from you or that you may provide when you visit our Website and our practices for collecting, using, maintaining, protecting and disclosing any non-public private information that you provide PEFI (the “Privacy Policy).

PRIVACY POLICY

This Privacy Policy covers the information provided to us when you visit our Website and obtain or seek to obtain PEFI’s services. The policy also applies to information we collect in e-mail, text and other electronic messages between you and our Website. PEFI services are intended for U.S. residents 18 years of age and above. Please be aware that other websites that you may access through our Website may collect personally identifiable information about you. Our Privacy Policy does not cover those third party websites, and we encourage you to read their privacy policies prior to providing them with your personal information.

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using our Website, you agree to this Privacy Policy. This Privacy Policy may change from time to time (see Will This Privacy Policy Change?). Your continued use of our Website after we make changes is deemed to be acceptance of those changes, so please check the Privacy Policy periodically for updates.

HOW DOES PEFI COLLECT AND USE YOUR INFORMATION?

PEFI may collect and use your personal information:

Certain information PEFI collects about you may be publicly available via government records, telephone books, and other widely available media (i.e. the Internet).

INFORMATION YOU PROVIDE

PEFI collects several types of information from and about users of our Website, including information:

PEFI collects the personal information you provide when:

OPTIONAL INFORMATION

When accessing our Website, we may give you the option of submitting general information, for purposes related to providing you with new energy or water efficiency, renewable energy products or financial services that may be of value to you. Certain information must be provided at the time you submit your request for a financial service or product.

INFORMATION COLLECTED FROM OTHER SOURCES

PEFI may also collect information about you from the following sources:

PLANNING TOOLS

When you use our planning tools we collect information including email address, financing you may be considering, interest rate, and financing terms. We use this information to provide you email communications that you may have requested.

CONTACTING PEFI

When you contact PEFI with a question or suggestion we collect your name, email address, and telephone number. We only use personal information we collect for the abovementioned reasons (see How Does PEFI Collect and Use Your Information?).

MONITORING AND RECORDING TELEPHONE CALLS

PEFI may monitor and/or record telephone calls for security and customer service purposes. Please be aware that by calling PEFI you consent to having your phone call monitored and/or recorded.

TECHNICAL INFORMATION

We use technology to:

We use this information for routine website maintenance, to establish that you are a unique user, to assist you in the financing process, and/or for purposes of assessing the effectiveness of our website, products and services. If you choose to disable cookies, you will still be able to access most of our Website. However, as a security precaution, in order to apply for financing, you may be required to enable cookies on your Internet browser. You may also use cookies to remember your log-in username, if you elect this option. If you do not elect this option, you will be required to re-enter your username and password each time you access your account. These cookies do not contain any personally identifiable information. We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). We may share this anonymized information with outside companies to assist them with assessing the effectiveness of their website content. PEFI and the third parties who assist in operating the online services do not respond differently or limit their practices under the terms of this Privacy Policy when you access those online services with a browser that uses a do not track signal or similar mechanism.

WE PROTECT YOUR INFORMATION

THIRD PARTY ADVERTISEMENT

PEFI does NOT allow third party advertisers to track your browsing activities on our Website for their own purposes. PEFI may share your email or other contact information with third party advertising and social media companies to provide you with information regarding PEFI products and services which may be of interest to you. If you wish to opt out and not have your information shared with such companies, please contact us by email [info@benjifinancing.com] or phone [(800) GO-BENJI].

DOES PEFI SHARE YOUR PERSONAL INFORMATION WITH THIRD PARTIES?

PEFI may share your personal information:

CAN YOU ACCESS YOUR INFORMATION?

At present, you can access your information by contacting PEFI by phone.

FINANCING APPLICATIONS

You may view your disclosures, including your application. If you request paper copies of your disclosures when you submit your application, we will send you a paper copy in addition to providing your disclosures electronically.

HOW DOES PEFI SAFEGUARD YOUR PERSONAL INFORMATION?

PEFI uses a variety of security safeguards to protect your information from loss, misuse, alteration or destruction. For example, you will only be able to access information in your PEFI account by submitting the username and password you created during registration. We provide access to your personal information to PEFI employees on a "need to know" basis. We also use Secure Sockets Layer (SSL) technology supporting up to 128-bit encryption to prevent unauthorized parties from viewing any personal information transmitted to or from PEFI during your session.

HOW LONG WILL YOUR INFORMATION BE STORED?

We maintain electronic and hard copy financing application information for funded/closed/withdrawn financing for a period of 7 years in accordance with federal and state laws.

WHO CAN YOU CONTACT FOR PRIVACY RELATED ISSUES?

To ask questions or comment about this Privacy Policy or our privacy practices, contact us at:
Personal Energy Finance, Inc.
Attn: Privacy Department
15073 Avenue of Science
San Diego, CA 92128
[info@benjifinancing.com]

WILL THIS PRIVACY POLICY CHANGE?

It is our policy to post any changes we make to our Privacy Policy on our Website. If we make material changes to how we treat our users' personal information, we will notify you by e-mail to the primary e-mail address specified in your account and/or through a notice on our Website home page. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Website and this Privacy Policy to check for any changes.

© BENJI 2016.

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