Welcome to Vivan Seva Sanstha®

We’ll help you find the product or service that’s right for you!  we recognize and respect the importance of your information security and your personal privacy. This Privacy Policy describes how we collect and use information about you, which includes using the information you provide to help find solutions that meet your needs.

If you are a visually-impaired customer, a customer who has another disability, or a customer who seeks support in another language, you may access this Privacy Policy by emailing us at Client Services.

This Privacy Policy is provided in a layered format

1. Information Collection and Use
2. Information Sharing Related to Loan Products, Insurance Products, or Service Requests
3. Children’s Privacy
4. Anti-Span Policy
5. Cookie Policy
6. Confidentiality and Security
7. Your Rights and Choices
8. Changes to this Privacy Policy
9. Contact Us
10. California Privacy Notice
11. Contact Us

General Privacy Policy

A Note About Our Network

Our Privacy Policy applies to this website. It also applies to other domain names owned by vivansevasansthan.com  that may or may not point to vivansevasansthan.com. Further, we may from time to time add new sites to our network that may, or may not be listed specifically (by name) within this Privacy policy, however, this Privacy Policy nonetheless applies to such sites. Together, all such websites are referred to as our “Network.”

This policy applies only to our Network and specifically excludes websites maintained by other companies or organizations to which we link. This policy shall only apply to information that we collect online, not off.

We collect and use personal information about you, to respond to your request for products and services offered through this website. Further, we will also collect information from you in order to notify you about products, services, or other opportunities which we feel will be of interest to you. Additionally, even though information that we may collect about you may be considered publicly available (through government records or available through widely distributed media), we will treat all personal information submitted by you as nonpublic personal information. We may collect information about you from (but not be limited to) the following sources:

• Information provided by you in connection with obtaining financial products or services such as mortgage loans (such as full name, telephone number, self-assessed property value, and social security number) and insurance quote requests (such as personal information, personal physical characteristics, personal medical information). Additionally, we may also collect demographic information from these sources.
• Information you provide us when you register to receive communications from us (such as your email address, or phone number)
• Information you may provide us through surveys, feedback, or other forms hosted on our website, our Network, or the pages of a vivansevasansthan.com partner.

In addition, we might receive information about you from other sources (such as service providers) for tracking purposes.

If you submit a request for a loan product, insurance product, or service offered through this website, we will share the personal information contained in your request form (such as your full name, physical address, physical characteristics, telephone number, property location, self-assessed property value, social security number, or other personal information) with lenders and/or agents within our provider network to process and fulfill your request. In regards to loan products or service requests, we may obtain additional information about you and we may share that information with lenders within our provider network. For example, we may use your social security number to obtain your credit score to help us connect you with a lender. In addition, lenders that receive your personal information may use your social security number to pull your credit score and/or credit report in order to process and fulfill your request. All lenders in our provider network (which include banks, mortgage lenders, and brokers) have entered into marketing agreements with vivansevasansthan.com ® and are required to comply with federal and state privacy regulations. LeadsDirect.com ® and all participating lenders or agents do not guarantee a response to your service request.

In regards to insurance products or service requests, we may obtain additional information about you and we may share that information with agents, brokers, or insurers within our provider network. For example, we may use your physical characteristics (height/weight) to help connect you with an agent that can effectively help you with your service request. All agents, brokers, and insurers within our provider network have entered into marketing agreements with vivansevasansthan.com, and are required to comply with federal and state privacy regulations. vivansevasansthan.com and all participating agents, brokers, and insurers do not guarantee a response to your service request.

All lenders or agents within our provider network may contact you by telephone, email, or mail, based on the information you have provided to us, in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the lenders or agents contacts you by telephone, and you wish not to be contacted again by that lender or agent, (with respect to your inquiry), then you should specifically make a request to that lender or agent not to contact you again. If the lender or agent disregards your request and contacts you again, please let us know immediately by sending an email to vivansevasansthan.com Client Services. Please note that the lenders or agents may maintain the information you provided whether you elect to use their services or not.

For information about how to opt out of certain sharing of your information, please see our Your Rights and Choices section.

This site is not intended for use by minors (those under 18 years of age). You must be at least 18 years old to use this website. We will not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians.

You will not receive vivansevasansthan.com email communications unless you submit your email address to us to receive them. We do employ third-party companies to advertise the services and products that we offer. From time to time, you may also receive emails that advertise vivansevasansthan.com services from third-party publishers. We require all third-party publishers to be Can-Spam compliant for all mailings that are sent on behalf of vivansevasansthan.com. If you wish to stop receiving any email from vivansevasansthan.com or a third-party publisher, you should follow the opt-out instructions included in the email.

To serve you more efficiently, our website uses cookies and other tracking technologies such as web beacons, embedded scripts, and tags (“Cookies”), which collect information from you automatically as you use our website, including:

• Browser and device data, such as IP address, device identifier, device type, operating system, and Internet browser type, screen resolution, operating system name and version, device manufacturer and model, language, plug-ins, add-ons, and the language version of the Sites you are visiting; and
• Usage data, such as browsing history, time spent on the Sites, pages visited, links clicked, language preferences, patterns of use, and the pages that led or referred you to our Site.

We typically use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Additionally, we may capture click-stream data on some of our partner’s websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners. We may also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

When you visit our Sites, we may collect information from you automatically through Cookies. We also rely on partners to provide many features of our Sites using data about your use of the Sites. We use Cookies for the following purposes:

• Necessity. To enable features that are necessary for providing you the services on our Sites, such as keeping you signed in, improving security, and preventing and detecting fraud.
• Preference. To allow us to remember your preferences and identify you when you return to our Sites.
• Analytics. To allow us to understand how our Sites are being used, track site performance and content views, and make improvements to the content, products, or services.
• . To deliver targeted advertising based on your preferences, location, and/or interests across different services and devices and measure the effectiveness of ads.
• Social media. To enable the sharing of content from our Sites through social networking and other sites.

You can manage cookies by using features and functions available on most Internet browsers. For example, most browsers will allow you to choose what cookies can be placed on your computer and to delete or disable cookies. You can find instructions for managing cookie controls on websites for particular browsers.

For example:

• Microsoft Internet Explorer browsers
• Apple Safari browsers
• Mozilla Firefox browsers

If you wish to opt-out of our sharing of the data that is gathered when you visit our Site for purposes of targeted digital advertising, we encourage you to visit the Network Advertising Initiative or the Digital Advertising Alliance’s Self-Regulatory Program for Online Behavioral Advertising for more information about opting out of seeing targeted digital advertisements. Similarly, you can learn about your options to opt-out of mobile app tracking by certain advertising networks through your device settings. You may also visit these websites for more information on how you can opt back into the sharing of data. Please note that vivansevasansthan.com does not maintain this web tracking data in an identifiable manner.

LeadsDirect and third-party advertisers may use web beacons. Some LeadsDirect websites and advertisements contain web beacons in the form of clear .gif files, which are electronic images that allow for the collection of information about your interactions on our sites. Web beacons may be used to place advertisements, to understand website traffic patterns and the number of visitors to our website, and to measure the effectiveness of advertisements or email advertising messages.

The security of your personal information is very important to vivansevasansthan.com, and we take a number of steps to safeguard it. For example:

• We limit access to personal information to those employees or agents who assist us in providing requested products and services to you. Employees are required to comply with our strict policies and procedures regarding the handling of their personal information. Employees who violate these policies are subject to our normal disciplinary process. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
• We use industry-standard data encryption technologies within the vivansevasansthan.com system.

Opt-out notice. If you prefer that we not share with our partners your information, you may “Opt-Out” — that is, you may direct us not to make those disclosures (except as permitted by law). To “opt-out” please email us at Client Services.

Electronic marketing communications. If you no longer wish to receive promotional email communications from us, you may opt-out via the unsubscribe link included in such emails or by contacting us using the information in the Contact Us section. We will comply with your request as soon as reasonably practicable. Please note that if you opt-out of receiving promotional emails from us, we may still send you important administrative messages that are required in order to provide you with our services or for other reasons disclosed in this Privacy Policy.

Your Nevada privacy rights. Nevada residents have the right to request to opt-out of any “sale” of their personal information under Nevada SB 220. If you are a Nevada resident and would like to make such a request, please contact us using the information in the Contact Us section at the end of this Policy, You must include your full name, email address, and postal address in your request so that we can verify your Nevada residence and respond.

vivansevasansthan.com may update, modify or materially change this Privacy Policy from time to time. If there are material changes to this Privacy Policy, or in how vivansevasansthan.com will use your personal information, we will post such changes here. If you do not agree with the changes to how your information will be used, please do not continue to use this website.