Privacy Policy

Our website does not collect personally identifiable information about individuals except when such individuals specifically provide such information on a voluntary basis, such as when joining the network, customer login, user login (collectively “registering”) at our website or contacting us through our website. VRML uses such information collected primarily to provide better service to our customers and vendors, to comply with our legal obligations, to operate and grow our business, to improve and customize the content you see, to provide the products, services or membership benefits you request, and to contact you about special promotions and new products.  This website is primarily designed for commercial users and is not intended for personal, family or household purposes.

VRML may collect the IP addresses of visitors to our site. This information may be aggregated to measure the number of visits, average time spent on the site, pages viewed, etc. VRML may use this information to measure the use of our site and to improve the content we offer. We may share with third parties this experiential information or other data which does not personally identify visitors to our site.

You are not required to register in order to access our site. Certain portions of our site may be restricted to registered users. Any information you provide is voluntary.  If you register on the site we may collect your contact information, i.e. your name, address, birth date, email address, telephone number and other information you provide to us about yourself.  You agree to provide accurate and current information and to update that information as appropriate and you will update it as necessary.

You may also be given the opportunity to select or create a password to be used to access your information or to obtain access to certain online services not available to anonymous visitors.  Please be aware that our information security software may cause some e-mail messages or other documents sent via this website not to be received. If you send us an email or request information we may retain your email address or other information you provided and use it to respond to your inquiry or otherwise as provided in this Privacy Policy.

Prospective borrowers may submit information including name, email address, and telephone number to begin the loan application process. Prospective borrowers may choose to submit loan applications online through a feature powered by a third party service provider pursuant to a contract that prohibits it from using the information you provide for any purpose other than to provide this service to us. Loan application information collected may include contact information, financial and employment information and information regarding the purposes for the loan among other information. Please read our U.S. Consumer Privacy Notice here.

Prospective independent contractor vendors, including appraisers, real estate agents and brokers, or other professionals may submit information to apply to become a vendor by visiting the “Join Our Vendor Network” page, which may be operated by an authorized vendor. Information collected may include name, address, telephone and fax numbers, email address, education history, resume, copy of current state license/certification, insurance and workers’ compensation coverage, military service, immigration status and employment history, women and minority-owned status, or other information.

By providing personal information through this site you explicitly agree to our collection, use and sharing of all such information as described in this Privacy Policy. You agree that we may use the personal information you provide VRML and our affiliated companies for general commercial purposes including to respond to your inquiries, process orders, contact you, and let you know about products or services which may be of interest to you or to personalize our service to meet your needs or preferences. This may involve sharing certain information with others.

You may be given the option to make payment through this site. We may use a third-party payment processor for this purpose, in which case your information is either submitted directly to the payment processor or is transferred by us to the payment processor.

Our website uses “cookies” and other similar technologies, such as Google Analytics, to help personalize your online experience, such as recognizing your name when you revisit, as well as to assist us in marketing, advertising, and analysis. A cookie is a text file that is anonymously placed on your hard disk by a web page server. Cookies or other technologies placed when you visit our site may personally identify registered users and allow us to monitor certain statistics which help us improve our services, such as how many site visitors view certain pages on our website or receive our advertisements when visiting other websites. Some cookies may be deleted once you leave our site (“session cookies”), while other cookies remain after your leave our site (“persistent cookies”) so that you are recognized when you return to the site.  We may permit selected third parties to collect information from our site visitors about their online activities over time and across other websites through the use of cookies.

You also may have the ability to accept or decline cookies on your device. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our website or have some of our services, being automatically recognized as a registered user, function properly.

We do not currently employ technology to respond to do-not-track signals from your browser.

By providing your email address you agree to receive communications from us and our affiliates related to the commercial relationship and transaction, including industry news and information and/or programs of interest or marketing material, employment opportunities, vendor opportunities, professional offerings, or responses to your inquiries. To unsubscribe from promotional emails, follow the instructions in the email.

Registered users have the ability to update their information by accessing their account. You have the right to access and update your personal information submitted to us. You may access your information at any time to add, change or delete certain profile information by simply logging in.

We do not disclose personal information to third parties for monetary consideration but we may disclose your information with our affiliated companies. We may also disclose personal information to unaffiliated third parties if: (1) you request or authorize it; (2) the information is provided to help complete a transaction for you; (3) the information is provided to comply with the law, applicable regulations, governmental and quasi-governmental requests, court orders or subpoenas, to enforce our legal notice disclosure or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.); (4) the disclosure is done as part of a purchase, transfer or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, customer information may be one of the transferred assets); (5) the information is provided to our agents, independent contractors, outside vendors or service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, sending emails about our products or services, etc.); (6) the information is shared with third parties for their marketing use; or (7) to others as described in this Privacy Policy. We may also gather aggregated data about you and disclose such aggregated (but not personally identifiable) information to third parties for promotional, data analysis or other purposes.

Because of the nature of our business, our products and services are not designed to appeal to minors, and therefore we do not knowingly attempt to solicit or receive any information from children under 18. If we have reason to believe that information is being provided by a person under the age of 18 we will not collect the information.

You should be aware that information sent to us using this website may not be secure in transmission.

While we take steps to protect your personal information and keep it secure, you also play a role in protecting your information. You can help to maintain the security of your online transactions by not sharing your password with anyone. If we receive instructions using your log-in information and password we will assume that the instructions have been authorized by you. VRML cannot guaranty the security of any information you transmit to us or from our site, and therefore you use our site at your own risk.

A. Your California Privacy Rights (Shine the Light Act)

We may share your personal information with third parties for their direct marketing purposes.  California residents with an established business relationship with us are permitted by California law to request once a year information about the manner in which we shared certain categories of information with others for their marketing purposes during the prior calendar year.  Please email us at CPRA@vrmlending.com to request this disclosure.

B. California Privacy Rights Act (“CPRA”) Notice

The CPRA provides verified California residents with the following rights regarding their personal information. For purposes of the CRPA personal information means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.

CPRA Rights

1. Information Access Rights. California residents have the right to request, up to twice in a 12 month period, and receive:
   1. disclosure of our personal Information Collection Practices during the prior 12 months, including the categories of personal information we collect, the categories of sources of such information, our business purpose for collecting or sharing such information, and the categories of third parties with whom we share such information.
   2. a copy of the personal information we have collected about them during the prior 12 months, or at your option since January 1, 2022 (Data Portability).
   3. Information Disclosure Practices during the prior 12 months, including a list of the categories of personal information sold with the category of third party recipients and a list of the categories of personal information that we disclosed for a business purpose.
2. Information Correction Right. California residents have the right to request that we correct information that we hold which is inaccurate.  We will require that you provide information about yourself so that we can verify your identity before we can make any change in the information we hold about you and we will use commercially reasonable efforts to make the requested corrections.  In some cases, for instance if you have an account with us, you can update your information by logging into your account. You can make information correction requests at any time.
3. Information Deletion Right. California residents have the right to request that we delete (and direct our service providers to delete) their personal information subject to certain exceptions. You may make deletion requests at any time. By way of example, we are not required to comply with a request to delete information if the information is necessary for us to complete a transaction for you or otherwise perform a contract; to detect, protect against, or prosecute security incidents, fraud or illegal activity; to use the information only internally in ways reasonably aligned with your expectations as our customer (such as maintaining sales records), and to comply with legal obligations.
4. Opt Out Rights. 
   1. Do Not Sell My Personal Information. If you are 16 years of age or older, you have the right, at any time, to direct us to not sell your personal information. We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the “right to opt-in”) from either the consumer who is at least 13 but not yet 16 years of age, or the parent or guardian of a consumer less than 13 years of age.
   2. Do Not Share My Personal Information. You have the right to opt out of having your personal information shared with others for cross-context or behavioral advertising purposes. This does not include using your interactions with us or information that you provide to us to select advertisements to show you.
   3. Limit Processing of Sensitive Personal Information. You have the right to tell us not to process or disclose Sensitive Personal Information for any purpose other than the purposes disclosed at or before the time we originally collected it.

Making CPRA Requests and Our Responses

1. Access Correction and Deletion. To exercise the access, correction, and deletion rights California residents may contact us by calling (844) 900-5535, emailing us at CPRA@vrmco.com or clicking vrmco.com/cpra-request. We will ask you for information that allows us to reasonably verify your identity (that you are the person about whom we collected personal information) and will use that information only for that purpose. If you do not have a registered account with us we may request that you submit a signed statement under penalty of perjury that you are the individual you claim to be. We cannot respond to your request or provide you with personal information if we cannot verify your identity and confirm that the personal information relates to you. We will acknowledge receipt of your request within 10 days and will endeavor to respond within forty-five days of receipt of your request, but if we require more time (up to an additional forty-five days) we will notify you of our need for additional time.Any disclosures we provide will only cover the 12-month period preceding receipt of your request, but you may request that we expand the 12-month period to cover information collected since January 1, 2022, and we will honor that expanded request unless doing so would involve a disproportionate effort. For Data Portability requests we will endeavor to provide the information in a format that is readily useable, including by mailing you a paper copy or providing an electronic copy to your registered account, if you have registered an account with us.
2. Out Rights. If you are a California resident over the age of 16 and would like to instruct us not to sell your personal information, not to share your information for cross-context behavioral marketing purposes, or to limit processing of your Sensitive Personal Information please call us at (844) 900-5535, email us at CPRA@vrmco.com or click vrmco.com/cpra-request. We will comply with your request within 15 days.

   You may also opt out by activating a user-enabled global privacy control, such as a browser plug-in or privacy setting, device setting, or other mechanism, that communicates or signals your choice to opt-out of the sale and sharing of personal information. When we receive such a signal we will stop setting third party, analytics, or advertising partner cookies on your browser.  This will prevent the sale or sharing of information relating to that specific device through cookies to our advertising or analytics partners. This option does not stop all sales or sharing of your information because we cannot match your device’s identification or internet protocol address with your personally identifiable information like your name, phone number, email address or ZIP Code.  If you delete cookies on your browser, any prior do not sell or do not share signal is also deleted and you should make sure that your user-enabled setting is always activated.

We will not discriminate against you as a result of your exercise of any of these rights.

Using an Authorized Agent. You may submit a request through someone holding a formal Power of Attorney. Otherwise, you may submit a request using an authorized agent only if (1) you provide the authorized agent with written permission to make a request and (2) you verify your own identity directly with us.  We will require the agent to submit proof to us that they have been authorized to make requests on your behalf.

Information Collected, Sources, and Business Purpose for Collection

During the past 12 months, we have collected the following categories of information from the listed sources, used it for the listed business purposes and shared it with the listed categories of third parties. The categories of information include information we collect from our website visitors, registered users, employees, vendors, suppliers and any other person that interacts with us either online or offline. Not all information is collected about all individuals. For instance, we may collect different information from applicants for employment or from vendors or from customers.

We will occasionally amend this Privacy Policy to reflect feedback and we reserve the right to make changes to this Privacy Policy at any time. The use of your information is subject to the Privacy Policy and Terms of Use in effect at the time of use. The provisions contained in this Privacy Policy supersede all previous notices or policies regarding our privacy practices with respect to this site. We post the effective date of our Privacy Policy on our site. We encourage you to check our site frequently to see the current Privacy Policy to be informed of how VRML is committed to protecting your information and providing you with improved content on our website. If we make material changes to this Privacy Policy we will post the revised Privacy Policy and the revised effective date on this site.

If you have any questions or comments regarding our Privacy Policy or our website, you can contact us at VRM Lending LLC Corporate Headquarters, Attention:  Privacy Department, 740 Corporate Center Drive, Suite 200, Pomona, CA 91768, Tel.  888-419-2272; Fax (909) 865-4909. This site is owned and operated by VRM Lending LLC which controls any information submitted through this site.