WAN-PRESS.ORG TERMS & CONDITIONS
Glad to have you on Wan-Press.org!
Our mission is to help people make better financial decisions. In Wan-Press.org you can compare loan rates and savings account interests, credit cards, debt management products, as well as read information about various aspects of keeping your personal economy in check.
Please be advised that Wan-Press.org is not a lender nor a bank. We strive to ensure the information provided on our website is as accurate as possible, but we are not able to guarantee anything. Therefore, it is important that you always verify prices, as well as the terms and conditions prior to taking out a loan or using any other third-party service advertised in Wan-Press.org. This ensures responsible borrowing.
Wan-Press.org is owned by and operated by Biactivity SLU, with office in Barcelona, Spain.
Using or browsing Wan-Press.org requires that you accept these terms and conditions and policies.
THIRD-PARTY LENDERS AND ADVERTISERS
Wan-Press.org works with third-party advertisers and lenders to advertise their products. Sponsored articles may be highlighted on this website. However, we still aim to list loans according to total cost and not by the commission that we receive.
Please be advised that terms may vary by state, age, or each individual’s credit profile. We cannot guarantee a loan match nor can we guarantee the amount of a loan. Please be aware that some lenders perform credit checks using specialized credit bureaus.
Wan-Press.org is in no way responsible for determining customer’s credit score, loan terms, interest rate or any other such terms. Wan-Press.org takes no part in any contract formed between customer’s and third-party advertisers.
Applying for a loan or using other services or products provided by third-parties may result in checking customer’s credit score and other personal information. Wan-Press.org does not perform any credit checks. All credit checks and verifications of person’s identity is done by a third-party.
SHARING OF INFORMATION
Application information, contact information, or any other type of personal information is not shared with or sold to third-party advertisers.
Late payments on loans may result in additional fees and/or collection activities. Please be advised that each lender has its own terms and conditions. Therefore, it is important to review each lender’s policies for further information. Wan-Press.org is not responsible of any late payments, harm or additional costs derived from using third-party services or products.
Non-payment of credit could result in collection activities. Because each lender has its own terms and conditions, it is essential that you review specific policies for each lender to gain additional information.
RENEWAL POLICIES AND SUSTAINED USE OF LOANS
Each lender has its own renewal policy, which may vary from one lender to another. Therefore, it is important to review your lender’s lending policy.
USE OF TRACKING LINKS
We add affiliate tracking links in Wan-Press.org. The purpose of these links is to track the action of a user on third-party websites.
Wan-Press.org is not responsible for the contents of these links or any other information on third-party websites.
It is not allowed to copy, print, alter or store any content in Wan-Press.org without a written content from the owner of Wan-Press.org.
Wan-Press.org contains content from third-parties such as stock image databases. Wan-Press.org has a permission or a license for the use of third-party content or creatives.
Wan-Press.org is not responsible for any incorrect information that may appear on this website or on third-party website. In addition, information presented on this website should not be construed as legal advice, as this is not something that Wan-Press.org provides.
Wan-Press.org or it’s owner is not responsible of any contracts made between customers and third-parties. Customers and third-parties shall take full responsibility of their actions, products, services and contracts. There is always risks involved with financial products such as loans and investment. Wan-Press.org is not responsible for any losses, damages or harm caused by the information on Wan-Press.org website or any third-party website.
Wan-Press.org is not responsible for the contents of outgoing links on this website.
Wan-Press.org is not responsible for the information provided in user reviews and comments. We reserve the right to delete or alter the user comments and review without any prior notice.
Please be advised that we use analytics and track the sources of traffic coming into the Wan-Press.org website with cookies. With cookies, we are able to make conclusions regarding the number of people who use this site via a mobile device or PC, opposed to identifying any specific person using cookies. All information is anonymous and we cannot identify individuals based on this information.
You can change how cookies are used in your browser settings. By giving us your consent, you agree to how we or any third-party services may use these cookies.
HOW COOKIES ARE USED
Please be aware that when a person is redirected to an offer on the Wan-Press.org website, (such as when a user clicks our affiliate link and is then redirected to a lender website,) a cookie will be placed in the user’s browser. These cookies allow us to track leads. This means we will be able to know if the user actually completed the loan application, or made any other actions on the third-party website.
Facebook Pixel enables us to pass advertising messages on the Facebook platform specifically to the readers of Wan-Press.org. For example, if we post a new blog post, we can make it appear on Facebook (remarketing). However, this is only possible with your active voluntary consent.
Facebook Inc., 1601 Willow Road, Menlo Park, Calif. 94025, USA (hereinafter “Facebook”) acts as a processor in this regard and collects the following data via Facebook Pixel:
- Data from the HTTP header such as IP addresses, web browser information, document, page location, referrer (previously visited page).
- Pixel-specific data such as pixel ID and Facebook cookie (which web pages you visit)
Optional values such as Facebook conversions.
The data obtained via the Facebook Pixel is anonymous to us. We use this data for statistical purposes. This helps us measure the performance of our marketing activities and publish relevant and quality content.
You can always switch off the Facebook pixel on Wan-Press.org and revoke your consent. Alternatively, you can disable the storage of cookies in your browser settings.
GOOGLE UNIVERSAL ANALYTICS
To analyze the use of the Wan-Press.org website, we use Google Universal Analytics, from Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA (hereafter “Google”). This script is called when using the website and helps us to analyze the following information:
- Number of page views
- Dwell time on the page
- Operating system and type of device
- Time of pageview
- Geographical location of the terminal
On behalf of Biactivity SLU, Google will use this information to evaluate your use of the website. We use the listed information to optimize our content and to give you a better experience with Wan-Press.org.
We use the IP anonymization, in which your IP address is shortened. This ensures that you can not be clearly identified by the IP address. Google Universal Analytics uses the pseudonymized user ID, which makes it possible to detect a re-visit of a website cross-device. Using Wan-Press.org does not collect personally identifiable information through Google Universal Analytics.
The IP address provided by Google Analytics as part of Google Analytics will not be merged with other Google data. The data sent by us and linked with cookies, user identifications (eg user ID) or advertising IDs will be automatically deleted after a maximum of 24 months. The deletion of data whose retention period has been reached is done automatically once a month.
If you want to avoid measuring data through Google Universal Analytics, you can disable Google Universal Analytics using this browser extension. To prevent Universal Analytics tracking across devices, you must opt-out on all systems you use.
Alternatively, you can make an appropriate configuration for the cookie setting in your browser.
To protect messages sent via the contact form, we use the reCAPTCHA service from Google Inc. (Google). The query is used to distinguish whether the input is made by a human or abused by an automated and mechanical processing. The query includes the sending of the IP address and any other data required by Google for the reCAPTCHA service to Google.
For this purpose, your input will be transmitted to Google and used there. By using reCAPTCHA, you agree that the recognition you provide will be used to digitize old works.
On behalf of Biactivity SLU, Google will use this information to evaluate your use of this service.
AFFILIATE TRACKING COOKIES
Biactivity SLU, the operator of the Wan-Press.org website, has integrated affiliate links from various affiliate networks and other third-party advertisers.
Wan-Press.org takes on the role of the publisher by publishing content. Various providers assume the role of advertisers. By using the content and comparison service on Wan-Press.org, you can access the advertiser’s site via an affiliate link, where you may order the financial product or request a loan. In the case of a successful sale, we receive a commission that allows us to publish further free content for you and to improve our comparison systems.
As soon as you reach the provider as a user via our affiliate link, a cookie will be saved on your browser. The purpose of the storage of cookies is to process the commission payments between merchants and publishers, which are handled by the affiliate network.
The saved affiliate cookies contain no personal data. The only stored information is the identification number of the publisher (Wan-Press.org), as well as the ordinal number of the visitor of the website, and the time and the index of the affiliate link. All affiliate cookies will be deleted after 90 days.
As mentioned above, you can prohibit the storage of cookies in your browser settings. You also have the option to delete your cookies at any time.
RIGHT TO INFORMATION AND OBJECTION
You always have the right to inform yourself about your personal data stored by Biactivity SLU (owner and operator of Wan-Press.org). You also have the option of revoking your consent at any time and requesting the deletion of the personal data already processed.
If you have further questions about the processing of your personal data, you can always contact us in writing.E-mail: email@example.com
Upon request, you will be notified in writing if and what personal data Biactivity SLU has stored about you. You can prohibit the processing of your data at any time in writing without giving reasons.
We would like to share with you how we handle the information that we collect.
When you use, interact with, or access our services, you are agreeing to our Terms and Conditions. You are also consenting to how we collect and share, or otherwise use information about you. Due to the fact that we may collect anonymous information about you in certain cases, it is important for you to know that we are dedicated to securing the protection of your data.
You should also be aware that we may, on occasion, provide links to third-party applications or websites, or third-party content. When you interact with a third-party feature or leave our services, it is important for you to read the relevant third party’s terms of service or privacy policies to ensure that you understand how the third party may collect and share information.
There are three primary ways in which we collect information about our users. These methods include providing information to us when we ask others for information about you, and with automatic technology.
1. INFORMATION YOU PROVIDE TO US
On occasion, we may ask you to provide us with information. This may include both personal and non-personal information. You may also provide personal information to us when contacting us via email, telephone or the contact form. Personal information is also collected when you write user reviews or comments on this website. When non-personal information is combined with personal information, it is treated as personal information.
2. INFORMATION COLLECTED AUTOMATICALLY
Along with the information that you provide us, we may collect certain types of information automatically with your consent. This information is critical to improving your experience on our website while allowing us to offer more personalized recommendations. We may use a variety of technologies to collect and store information related to our services. This may include browser web storage, cookies, web beacons, etc. We may collect three types of usage information:
- Device Information – This refers to information related to the way that you access our services, such as browser type, operating system, etc.
- Server Log Information – This refers to information collected automatically in system logs. This information may include the date and time of access, your IP address, device or browser configuration, and cookie information.
- Location Information – We may also use certain types of information, such as your device information or IP address in order to establish your location. Additionally, we may also make requests to use location-enabled services to improve our services. This information will only be used with your consent.
3. INFORMATION PROVIDED ABOUT YOU BY THIRD PARTIES
Wan-press.org does not usually acquire personal information from third parties. However, some of our features depend on information collected about you from third parties. In some instances, we may work with third-party partners to supplement the information that we collect from you.
SOCIAL MEDIA – FACEBOOK / GOOGLE+ / TWITTER
Biactivity SLU links social networking services such as Facebook (Facebook Inc., 1601 S. California Avenue, Palo Alto, CA 94304, USA), Twitter (Twitter Inc., 795 Folsom St., Suite 600, San Francisco, CA 94107, USA ) and Google+ (Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA). When visiting Wan-press.org, no data is transferred to these companies because we did not include any plugins.
By clicking on the corresponding logo or the button of the social network, you will be taken to its website, where data can be collected by the operator of the social network. We have no control over the scope of collecting this data.
You have the option to protect your privacy by making the appropriate changes to settings to protect your privacy directly on the social network.
Twitter http: / /twitter.com/privacy
HOW THE INFORMATION WE COLLECT IS USED
We utilize the information that we collect from you, as well as from third parties, to communicate with you, operate our services, conduct research, and improve our services.
We reserve the right to use, access, disclose, preserve, or transfer any information at any time without providing notice to you for the following purposes:
- To comply with applicable laws, subpoenas, regulations, or legal processes
- To enforce our Terms of Service
- To protect the integrity, safety, security, or rights of our services, members, equipment, or any third party
- To detect, prevent, or address fraud, technical issues, or security
Please note that all personal information stored is automatically deleted within 24 months. You have the right to know what personal information is stored about you. You also have the right to request us to delete or alter any personal information store of you. In these cases, write a request to us.
WHEN THE INFORMATION WE COLLECT IS SHARED
We do not share, rent or sell personal information to any third-parties for any purposes.