Terms & Conditions.

By using our website and services, including text messaging, you agree to these terms.

1. Introduction

These Terms and Conditions govern your use of Ruan Loan website and our services. If you disagree, please do not use our website or services.

2. Using Our Website

●      Age Restriction: You must be at least 18 years old to use our website and services, including text messaging.

●      Legal Use Only: You may not use our website or text messaging for any illegal or unauthorised purpose. You must obey all relevant laws.

●      Changes: We may modify, stop, or remove any part of our website, services, or content without notice.

●      Your Responsibility: You are responsible for how you use any information or materials from our website, including text messages. We are not liable for any issues that arise.

3. Intellectual Property

All text, images, logos, software, videos, and text message content on our website are protected by copyright and other laws. You may not copy, distribute, change, or use any of our content without our written permission.

4. Privacy

●      Privacy Policy: Our Privacy Policy explains how we collect, use, and protect your data, including information you share through text messages. By using our website and text messaging, you agree to our Privacy Policy.

●      No Data Sharing: We do not share or sell your personal information, including the content of your text messages.

5. No Guarantees

●      Information: Information on our website is for general knowledge only. We do not guarantee it is accurate, complete, or reliable.

●      No Liability: We are not responsible for any losses or problems that may occur from using our website, text messaging services, or any information they provide.

6. Other Websites

We may link to third-party websites. We are not responsible for their content or how they handle your data. Use them at your own risk.

7. Limitation of Liability

As allowed by law, Ruan Loan is not liable for any damages (direct, indirect, or otherwise) caused by using our website, services, or text messaging.

8. Your Responsibility to Protect Us

You will protect Ruan Loan including its officers, directors, employees, and affiliates, from any claims, losses, or expenses (including legal costs) arising from your use of our website or if you break these Terms and Conditions.

9. Laws and Disputes

These Terms and Conditions are governed by the laws of Palm Beach County, Florida. Any disputes relating to these terms will be resolved in the courts of Palm Beach County, Florida.

10. Changes to These Terms

We may change these Terms and Conditions at any time. If we do, your continued use of our website and services, including text messaging, means you accept the updated terms.

11. Contact

For questions about these Terms and Conditions, please email us at:  apply@ruanloan.com

Privacy Policy.

Protecting Your Privacy

We value your privacy. This Privacy Policy outlines how we collect, utilize, share, and safeguard your information when you use our website (“Site”) and services, including text messaging. By using our services, you agree to the terms of this policy.

What We Collect

●     Personally Identifiable Information (PII): This includes your name, email, address, phone number, and any other details you directly provide, even through a text message.

●     Non-Personally Identifiable Information (Non-PII): Technical data like your IP address, browser, device details, website usage, including how you use our text messaging.

How We Use Your Data

●     Service Delivery: To provide and enhance our services, including our text messaging.

●     Communication: Responding to your questions (including those via text), and for marketing if you opt-in.

●     Analytics: Understanding how you use our Site and text features to make improvements.

●     Legal Compliance: Fulfilling legal requirements.

We Do Not Sell Your Data

Your information, including that shared via text, is never sold.

Security Measures

We take reasonable steps to protect your data against unauthorized access or misuse. However, no internet-based system is 100% secure.

Third-Parties

We only share your information when legally obligated or to provide necessary services. We ensure they handle your data securely and in line with this Privacy Policy.

Cookies, etc.

We may use cookies and similar technologies for better user experience, analytics, and personalization. You can manage these settings in your browser.

External Links

We may link to other websites. Please review their privacy policies as we are not responsible for their practices.

Children’s Privacy

Our services, including texting, are not for children under 13. We do not intentionally gather their data.

Updates

This Privacy Policy may change. The “Last Updated” date reflects revisions. Continued use of our services means you accept any changes.

Questions?

If you have questions about this policy or our data practices related to text messaging, contact us at: apply@ruanloan.com