Mariner Finance Website Privacy Statement

Mariner Finance, LLC, its parent companies and their respective subsidiaries and affiliated companies (collectively, “Mariner”) value the protection of individual privacy. This Privacy Statement describes what information Mariner collects through its website, www.marinerfinance.com (the “Site”), how it uses the information and with whom it may be shared. In this Privacy Statement, the terms “you” and “user” mean any visitor to the Site. By using the Site and/or submitting an online application, you indicate that you have read and agree to be bound by Mariner’s website Terms of Use and this Privacy Statement. If you do not agree to this Privacy Statement, do not use this Site in any manner.

JUMP TO ADDITIONAL PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS HERE.

1. COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION

This Site collects personal information about you that is provided through various forms and in various places on the Site, including by entering it via an online form, over the phone, and by any other means through which you interact with our services. Personal information includes information that identifies, relates to, describes, references, or is capable of being associated with a particular consumer or household and may include information such as your name, address, telephone number, mobile number, email address, and Social Security Number.

You are responsible for ensuring that any personal information you provide is truthful, accurate and up-to-date. We will collect and store personal information you decide to provide to us for our records, but we are not liable to you if the information you provide is not accurate. You agree that we may use any of your personal information that you provide to us to communicate with you. Additionally, if you apply for a loan on the Site, you must truthfully and accurately complete our online application, which includes your provision of personal information. Accurate, up-to-date information is necessary to view your credit history, process your application, and to contact you.

Mariner takes various precautions to safeguard your personal information against loss, theft, and misuse as well as unauthorized access, disclosure, alteration, and destruction. For example, all online applications are encrypted to maintain the security of your information. Once received, your personal information is stored in the United States in accordance with United States law.

As permitted by law, Mariner may disclose all categories of personal information that it has collected, as listed in the above chart, to third parties in accordance with our Privacy Notice (located at the bottom of this page), as needed to assist in administering our services and marketing activities, as required by law, as necessary to protect our rights (such as if you fail to repay a loan), as necessary in order to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person, as required to comply with a judicial proceeding, court order, or legal process served on us, and/or as specifically consented to by you.

If Mariner were to merge with or be acquired by another company or if it were to cease operations, your information may be transferred to the surviving or acquiring company. At that point, any use and sharing of your information will be subject to that company’s privacy policy, which may be different from that of Mariner. In addition to this Privacy Statement and Mariner’s website Terms of Use, our use of your personal information collected is described in the Privacy Notice.

Third parties may also collect personal information about your online activities through the Site in order to assist Mariner in offering its services and products, marketing, and administration of the same. Additionally, we may disclose your personal information for a business purpose to a third party with whom we have entered into a contract that describes such a purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

2. COLLECTION, USE AND DISCLOSURE OF OTHER INFORMATION

The Site may gather other information about you depending on how your browser is configured. That information may include the Internet Protocol (IP) address(es) used to access the Site, the number of times you visit the Site, the time and length of the visit, the operating system and browser type used to access the Site, your screen resolution, the particular web pages viewed right before and while visiting the Site, how long you remain on specific pages, your navigation patterns, where you go upon leaving the Site, or similar details.

The Site may use cookies and other tracking technologies (such as clear GIFs, web beacons, log files, and the like) to track unique visitors and pages viewed by users, both to understand how the Site is being used and to improve users’ experiences on the Site. For example, cookies (small, unique text files that a website can deposit on your computer hard drive when you visit a website) may be used to allow repeat visitors to be served more quickly and efficiently or to provide information on the pages viewed by a given user. Since cookies reside on a user’s hard drive, they may be deleted by a user after they are deposited by a site. You may also configure your browser to reject cookies, although if you do, some or all of the features on the Site may not be available to you.

Non-personal information collected as a result of your visit to the Site may be disclosed to third parties, but will not be associated with you personally. In other words, the Site may disclose that a unique user accessed the Site a particular number of times and spent specific amounts of time on different pages, but we will not disclose the identity of that user (and most likely would have no way of identifying who that user was unless the user voluntarily identified him or herself to us).

Some web browsers have a “Do Not Track” function that allows you to tell websites that you do not want to have your online activities tracked. The Site does not monitor or respond to “do not track” signals or similar mechanisms.

We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

3. SECURITY

To prevent unauthorized access to your personal data, maintain data accuracy and integrity, and ensure the correct use of information, Mariner follows generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

4. CHANGES TO YOUR INFORMATION

You may request access to and/or to change your personal information by contacting Mariner’s Customer Relations at the following phone number or postal address: 877-310-2373, option 3, or Mariner Finance, LLC, Attn.: Customer Relations, 8211 Town Center Drive, Nottingham, MD 21236. If you currently have an account with Mariner, you may log into the Customer Account Center to review and/or edit your profile.

California residents: Please refer to section 7 below for additional information.

5. CHANGES TO PRIVACY STATEMENT

Mariner reserves the right at any time and from time to time to modify this Privacy Statement with or without notice. You will be bound by the modifications if you use the Site after a modification has been made. You agree that Mariner shall not be liable to you or to any third party in any way as a result of any such modification. If you do not agree to any changes or terms, you should discontinue your use of the Site.

6. MARINER FINANCE CONTACT INFORMATION

If you have any questions or comments regarding this Privacy Statement, please contact Customer Service at 877-310-2373.

7. ADDITIONAL PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS

Pursuant to the California Consumer Privacy Act (“CCPA”), California residents have specific rights regarding their personal information, which are detailed below. This California-specific privacy section incorporates by reference Mariner’s general Privacy Statement and provides a comprehensive description of our online and offline practices regarding the collection, use, and disclosure of personal information.

Note that the rights set forth under the CCPA do not apply to:

• Personal information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulations, or the California Financial Information Privacy Act;
• An activity involving the collection, maintenance, disclosure, sale, communication, or use of any personal information bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living by a consumer reporting agency by a furnisher of information who provides information for use in a consumer report and by a user of a consumer report; and
• Personal information that is collected by us about a natural person in the course of the natural person acting as a job applicant to, an employee of, owner of, director of, officer of, medical staff member of, or contractor of us to the extent that the natural person’s personal information is collected and used by the business solely within the context of the natural person’s role or former role as a job applicant to, an employee of, owner of, director of, officer of, medical staff member of, or a contractor of Mariner.

Categories of Personal Information Collected Mariner may collect the following categories of personal information from you:	Categories of Sources from which Personal Information was Collected We obtain the categories of personal information from the following categories of sources:	Business or Commercial Purpose for the Collection Your personal information is collected by us, used, and/or disclosed for one or more of the following business purposes:	Categories of Third Parties with whom We Share Personal Information We may disclose your personal information to the following categories of third parties:
Category A: Identifiers Examples: Your real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.	1. Directly from our customers or their agents. 2. Indirectly from our customers or their agents. For example, through information we collect in the course of providing services to our customers. 3. Directly and indirectly from activity on the Site. For example, from submissions through our online loan application, Customer Account Center, and/or website usage details collected automatically. 4. From third parties that interact with us in connection with the services we perform.	1. For auditing purposes related to our customer relationships, including, but not limited to, verifying the quality of ad impressions and auditing our compliance with applicable law; 2. For detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity; 3. For debugging activities to identify and repair errors that impair Site functionality; 4. For short-term use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer; 5. For performing services for Mariner or on behalf of a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of Mariner or a service provider; 6. For internal research for technological development; and/or 7. For use in activities to verify or maintain the quality or safety of Mariner’s services, and to improve, upgrade, or enhance such services.	1. Our affiliates. 2. Our service providers. 3. Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
Category B. Customer Records with Personal Information Examples: Note: Some personally identifiable information included in this category may overlap with other categories. Any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.	Same as Category A.	Same as Category A.	Same as Category A.
Category C. Protected classification characteristics under State or federal law. Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, , sex (including gender, gender identity, , veteran or military status).	Same as Category A.	1. For performing services for Mariner or on behalf of a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, , or providing similar services on behalf of Mariner or a service provider; or 2. For use in activities to verify or maintain the quality or safety of Mariner’s services, and to improve, upgrade, or enhance such services.	Same as Category A.
Category D: Commercial information. Examples: Information including, but not limited to, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies	Same as Category A.	1. For detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity; 2. For short-term use, provided that the personal information is not disclosed to another third party and is not used to build a profile about a consumer; 3. For performing services for Mariner or on behalf of a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, or providing similar services on behalf of Mariner or a service provider; 4. For internal research for technological development; and/or 5. For use in activities to verify or maintain the quality or safety of Mariner’s services, and to improve, upgrade, or enhance such services.	Same as Category A.
Category E: Internet or other similar network activity. Examples: Information including, but not limited to, browsing history, search history, information regarding a consumer’s interaction with a website, application, or advertisement.	Same as Category A.	Same as Category A.	Same as Category A.
Category F: Professional or employment-related information. Examples: Current or past job history and/or performance evaluations.	Same as Category A.	1. For performing services for Mariner or on behalf of a service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of Mariner or a service provider; 2. For use in activities to verify or maintain the quality or safety of Mariner’s services, and to improve, upgrade, or enhance such services.	Same as Category A.
Category G: Inferences drawn from other personal information. Examples: Information that can be used to create a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	Same as Category A.	Same as Category A.	Same as Category A.

Mariner does not offer any financial incentives for the collection, sale, or deletion of personal information.

Disclosure or Sale of Personal Information

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

• Category A: Identifiers.
• Category B: Customer Records with personal information
• Category C: Protected classification characteristics under State or federal law.
• Category D: Commercial information
• Category E: Internet or other similar network activity.
• Category F: Professional or employment-related information.
• Category G: Inferences drawn from other personal information.

In the preceding twelve (12) months, we have not sold any personal information.

We do not sell the Personal Information of minors under 16 years of age without affirmative authorization.

Access to Specific Information

California residents have the right to request that we disclose certain information about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you.
• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:

• • • For sales of personal information, the personal information categories that each category of recipient purchased; and
    • For disclosures of personal information for a business purpose, the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

Please note, however, that we may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
8. Comply with a legal obligation.
9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Opt-Out of Sales:

You have the right, at any time, to direct us not to sell your personal information to a third party. This right may be referred to as the right to opt-out. Once we have received direction from you not to sell your personal information, we will not sell your personal information unless you subsequently provide express authorization for the sale of your personal information.

Exercising Your Rights:
To exercise your access and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us at 877-310-2373, select option 3. Available Monday through Friday, 8:30 am EST to 5:00 pm EST, excluding observed holidays.
• Filling out an online request at any time by clicking HERE

To opt- out of the sale of your personal information to a third party, please call us at 877-310-2373, select option 3 or click the following link:  Do Not Sell my Personal Information

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. If you are opting out on behalf of a California resident, please attach a written authorization signed by the California resident and authorizing you to make this request on their behalf. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data access requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is manifestly unfounded or excessive, for example, because of a repetitive nature. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.

Accessibility

We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you wish to access this Privacy Policy in an alternative format, please contact us as described above.

Revised 12/19

Mariner Finance, LLC, its parent companies and their respective subsidiaries and affiliated companies, (collectively and alternatively, “Mariner Finance” or the “Mariner Finance family”), own, operate and/or control a global network of websites and web pages, including www.marinerfinance.com (collectively the “Sites”).  Social media channels, such as Mariner Finance’s Facebook, Twitter, LinkedIn and other similar pages (collectively, “Social Media Channels”), profiles and accounts and such other features or functionality as Mariner Finance may participate in with respect to its use of existing and future digital and other interactive media opportunities, are included within the term “Sites.”  These Sites are provided to visitors and users of the Sites (collectively, “you” or “your”) only if you agree to these Terms of Use unconditionally and without modification.  Your use of any of the Sites constitutes your acceptance and agreement to all these terms and conditions.  Additional terms and conditions may apply if you apply for financing online, to purchases of goods or services and to specific portions or features of the Sites (such as sweepstakes or public forums), all of which are incorporated into these Terms of Use.  You will be bound by such additional terms should you use the specific features or portions of the particular Sites.  If such additional terms conflict with these Terms of Use, the additional terms shall apply.  PLEASE TAKE THE TIME TO READ ALL TERMS OF USE CAREFULLY BEFORE USING THE SITES. By accessing, registering on or otherwise using any of the Sites, you unconditionally agree to these Terms of Use whether or not you have read them.  If you do not agree to these Terms of Use, you may not access, view or use the Sites.

1. GENERALLY

You are free to browse the Sites to learn more about Mariner Finance and the Mariner Finance family of products and services.  The Sites and all material posted on the Sites or otherwise approved by Mariner Finance (collectively, “Licensed Content”) may be used for the sole and limited purposes set forth in the Sites and these Terms of Use.  You may view and print portions of the Licensed Content for your own internal use but not for resale or other commercial exploitation and not for use other than as provided in these Terms of Use.  Any other use of Licensed Content without Mariner Finance’s prior written approval is strictly prohibited.

2. PRIVACY

Mariner Finance values its relationship with visitors and customers and uses commercially available technology to safeguard information collected through the Sites.  However, the internet is an open medium and no data transmission through the internet is completely secure.  Therefore, Mariner Finance does not guaranty or warranty the security of general information you provide.  For more information on how Mariner Finance uses information you provide through the Sites, please review Mariner Finance’s Privacy Statement and Privacy Notice.

3. USER CONDUCT; SOCIAL MEDIA CHANNELS/BLOGS/USER SUBMISSIONS

In general, Mariner Finance expects visitors to interact with Mariner Finance and other users of the Sites in a courteous manner and in compliance with all laws.  If you choose to “like,” “follow” or otherwise communicate with Mariner Finance through Social Media Channels, you agree to comply with all rules, guidelines, best practices, terms of service as may be established from time to time by Social Media Channel operators in addition to these Terms of Use as well as any additional rules, terms of use, community guidelines or conduct codes that Mariner Finance may establish in connection with your use of Mariner Finance’s Social Media Channels.  Please review the Community Guidelines and other terms of use before participating on our Facebook page.

Any comments, blogs, discussions, data, images, sounds, text, product ideas, suggestions or enhancements, as well as anything embedded therein, material, information or other communication you transmit, upload or post to the Sites, generally and through Social Media Channels and other the public forums, or email to Mariner Finance (collectively, “Communications”) are non-confidential, nonproprietary and become the property of Mariner Finance.  Mariner Finance has no obligation to preserve the confidentiality of or refrain from disclosing any Communications.  You recognize and acknowledge that your submission of any suggestions, ideas, images, sounds, enhancements, data or other material is done on a non-confidential, non-proprietary basis, without expectation of compensation or attribution of any sort.  Mariner Finance has no liability for and will be free to copy, disclose, distribute, incorporate and otherwise use all or any part of any Communications for any and all commercial or noncommercial purposes in any medium whatsoever without additional consent or approval from you.  Please exercise caution and discretion in disclosing personal information through, including uploading photos to, any public forums.

You are solely responsible for your Communications and your activities on the Sites.  Although Mariner Finance will not, and has no obligation to, monitor your Communications, it has the right not to post or publish Licensed Content and/or your Communications and to delete, remove or edit any Licensed Content and or Communications at any time in its sole discretion without notice or liability of any notice or sort.  Under no circumstances is or will Mariner Finance or its affiliates be liable in any way for any Communications, your or another’s use of the Sites or any Licensed Content, including but not limited to any errors or omissions in any Licensed Content, or for loss or damage of any kind incurred as a result of the use of any Licensed Content via the Sites.

4. ACCESS BY CHILDREN

The Sites are intended for use by adults who are actual or potential purchasers of Mariner Finance products and services.  Sites are not directed at children.  Mariner Finance does not target or market to, and the Sites are not intended for use by, children under the age of 13.  Mariner Finance does not knowingly and will not intentionally contact or request personal information from children under the age of 13 for marketing purposes.  However, the Sites do not filter ads or other material children may view through the Sites or linked sites, some of which may be inappropriate for children.

5. INDEMNITY

To the extent permitted by law, you agree to indemnify, defend, release and hold Mariner Finance, its officers, directors, suppliers, service providers, co-branders or other partners, agents and employees, and those of its affiliates, harmless from all claims, demand, damages, fees and costs of any nature, including reasonable fees of attorneys and other professionals, due to or arising out of anything you submit, transmit through or upload to the Sites, your Communications, your use of the Sites, your connection to the Sites, your violation of these Terms of Use, and/or your violation of anyone’s legal rights.

6. MODIFICATIONS TO THE SITES AND THESE TERMS OF USE

From time to time Mariner Finance may change the Licensed Content, the products and services offered, disable certain features of the Sites or expand the Sites’ capability.  Mariner Finance also reserves the right at any time and from time to time to modify these Terms of Use, the Sites, their functionality and capabilities and/or discontinue, temporarily or permanently, the Sites (or any part thereof) with or without notice.  You will be bound by the modifications if you use the Sites after a modification has been made.  You agree that Mariner Finance shall not be liable to you or to any third party in any way as a result of any such modification.

7. TERMINATION

Mariner Finance, in its sole discretion and without liability, may suspend or terminate your access or use of the sites for any reason, but especially if Mariner Finance believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Use.  Mariner Finance also may, in its sole discretion at any time discontinue providing the Sites, or any part thereof, with or without notice.  Mariner Finance may suspend, terminate and/or bar further access to the Sites at any time without prior notice to you.  Mariner Finance shall not be liable to you or any third party for any suspension or termination of any access to or use of the Sites.

8. LINKS

The Sites may contain links to other internet websites or resources.  When you link to those sites, you leave the Sites.  Mariner Finance has no control over third-party sites, their content and resources or the business practices or policies of operators of such sites. Mariner Finance’s privacy terms do not apply to the practices of any companies or individuals operating the linked sites.  Please use caution and review the privacy policies of any sites that you visit to learn more about their information-gathering practices.  Mariner Finance cannot control, nor is it responsible, for any such third party collection or use of your personal information.  Mariner Finance expressly disclaims all responsibility or liability for the availability or accuracy of such external sites or resources or the content thereon, does not endorse and is not responsible or liable for any advertising, products or other materials on or available from such sites or resources.  The inclusion of any link on the Sites does not imply that Mariner Finance endorses the third-party site accessible through such link.  Your use of any links is at your own risk.  You further acknowledge and agree that Mariner Finance shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any goods, services or materials available on or through any such link, site or resource.

9. MARINER FINANCE’S PROPRIETARY RIGHTS

Everything you see or read on the Sites, including the expression, coordination, selection, arrangement, collection, compilation, assembly and arrangement of the Sites and Licensed Content, is protected by all United States and international copyright and trademark laws, and may not be used except as provided in these Terms of Use without Mariner Finance’s express written permission.  The Sites and any necessary software or other technology used in connection with the Sites (“Software”), the collection, compilation, assembly and arrangement of Licensed Content, all images, photography, graphics, artwork, text, and other information and material found on the Sites, regardless of source, all Marks and other intellectual property relating thereto and all information and data collected through the Sites (all of which are included in and as the “Licensed Content”), is owned by Mariner Finance, LLC and/or its subsidiaries, affiliates or other designee, its suppliers or partners, is used under license granted to Mariner Finance and contains proprietary and confidential information that is protected by all applicable intellectual property and other laws.  All trademarks, logos, trade names, trade dress, product and service marks, individually or combined with one another, including the words “Mariner Finance” and the Mariner Finance compass, and all stylized and/or graphical depictions of all of the foregoing and all logos and slogans, individually and/or as may be combined with one another, (collectively the “Marks”) and whether or not registered, are owned by and are proprietary to Mariner Finance or other designees, or other third party owners who have granted Mariner Finance the right and license to use its marks (“Third Party Marks”).  You may not use or display the Marks or Third Party Marks in any manner without the prior written consent of the applicable owner.  This includes use of the Sites addresses or Marks in page text, as key words, meta tags or any other “hidden text.”  Other product or service names, logos, graphics, page headers, button icons and scripts are trademarks or trade dress of Mariner Finance or other designees and may not be used in connection with any other product or service in any manner, but especially not in a manner that is likely to cause confusion in the marketplace or in any matter that disparages or discredits the owner, Mariner Finance or its affiliated companies.  Mariner Finance may use any such material in any manner for any reason without your consent, fee or obligation to account to you in any way, and, unless you and Mariner Finance agree otherwise in writing, Mariner Finance is and shall be the sole and exclusive owner.

10. NOTICES AND PROCEDURES FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Mariner Finance.

Mariner Finance respects the intellectual property of others, and asks its users and visitors to do the same. Mariner Finance will investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws.  Upon receipt of notices complying with the DMCA, Mariner Finance will act to remove or disable access to any material found to be infringing or found to be the subject of infringing activity and will act to remove or disable access to any reference or link to material or activity that is found to be infringing.

If you believe that your work has been copied in any way that constitutes copyright infringement, please provide all of the following information:

1. a physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
2. a description of the copyrighted work that you claim has been infringed;
3. a description of the material that you claim is infringing or is the subject of infringing activity, that it is to be removed or access to it disabled and information reasonably sufficient to enable Mariner Finance to locate the material on the Sites;
4. your name, address, telephone number, email address and all other information reasonably sufficient to enable Mariner Finance to contact you;
5. a statement by you that you have a good faith belief that use of the material as described by you is not authorized by the copyright owner, its agent, or the law;
6. a statement by you, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Notices of copyright infringement should be directed to:

By Mail
Mariner Finance, LLC
8211 Town Center Dr
Baltimore, MD 21236
Attn: Webmaster

By Email
marketing@marinerfinance.com
(Please include “Notice of Infringement” in the subject line.)
IMPORTANT NOTE: THE PRECEDING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING MARINER FINANCE THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES, SUCH AS PRIVACY OR PRODUCT-RELATED QUESTIONS AND REQUESTS WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

11. DISCLAIMERS AND LIMITATIONS OF LIABILITY

MARINER FINANCE DISCLAIMS ALL REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF THE SITES OR LICENSED CONTENT.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

(A) YOUR USE OF THE SITES AND ANY PARTICULAR FEATURE IS AT YOUR SOLE RISK.  THE SITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.  MARINER FINANCE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE, FREEDOM FROM MALICIOUS CODE, NON-INFRINGEMENT AND NONINTERFERENCE WITH YOUR USE OF ALL OR ANY PART OF THE SITES.

(B) ANY MATERIAL YOU DOWNLOAD OR OTHERWISE OBTAIN THROUGH USE OF THE SITES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY RESULTING DAMAGE.

(C) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MARINER FINANCE OR THROUGH OR FROM THE SITES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE OR OTHERWISE APPLICABLE PURSUANT TO YOUR PURCHASE OF MARINER FINANCE PRODUCTS.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT MARINER FINANCE SHALL NOT BE LIABLE FOR ANY DAMAGES WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF MARINER FINANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER ARISING OUT OF OR IN CONNECTION WITH THE USE OR THE INABILITY TO USE, ACCURACY OF THE INFORMATION, PRODUCTS AND MATERIALS SHOWN OR AVAILABLE FROM THE SITES OR ANY OTHER MATTER RELATING TO YOUR ACCESS TO OR USE OF THE SITES. IN ANY CASE, MARINER FINANCE’S SOLE LIABILITY, AND THAT OF ITS LICENSORS, SUPPLIERS AND BUSINESS PARTNERS, IS LIMITED TO FIVE DOLLARS ($5.00). YOUR LEGAL RIGHTS WITH RESPECT TO THESE DISCLAIMERS AND WAIVERS MAY VARY FROM JURISDICTION TO JURISDICTION.  THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.

12. NOTICE

Notices specific to you may be made to the last email or postal address you have given to Mariner Finance. Mariner Finance may also provide notices of changes to these Terms of Use or other matters by displaying notices or links to notices to you generally on the Sites.  Notice or other correspondence to Mariner Finance should be sent prepaid, by certified mail, return receipt requested or overnight commercial courier to:
Mariner Finance, LLC
8211 Town Center Dr
Baltimore, MD 21236
Attn: Webmaster

13. GENERAL INFORMATION

Mariner Finance administers and operates the Sites from its location in Baltimore, Maryland USA.  Other Sites may be administered and operated from various locations outside the United States.  Although Sites may be accessible worldwide, not all features, products or services discussed, referenced, provided or offered through or on any of the Sites are available to all persons or in all geographic locations, or are appropriate or available for use in your jurisdiction.  Mariner Finance reserves the right to limit the provision and quantity of any feature, product or service to any person or geographic area in its sole discretion.  Any offer for any feature, product or service made on any of the Sites is void where prohibited.  These Terms of Use constitute the entire agreement between you and Mariner Finance with regard to your use of the Sites.  Your activities and use of the Sites supersede any prior agreements between you and Mariner Finance with regard to your use of the Sites.  You also may be subject to additional terms and conditions contained in any loan documents, invoices, terms and conditions of purchase/sale, or terms and contracts that may apply when you use affiliate services, third party content or third party software.  These Terms of Use, your use of the Sites shall be governed by the laws of the State of Maryland without regard to choice of law provisions. You and Mariner Finance agree to submit to the personal and exclusive jurisdiction of the pertinent state or federal courts located within or with jurisdiction over the State of Maryland, regardless of the fact that the Sites are accessible outside the United States.  Notwithstanding the foregoing, Mariner Finance may seek equitable relief, including preliminary and permanent injunction, in any court of competent jurisdiction to prevent or enjoin misappropriation, misuse, unauthorized disclosure or infringement of any intellectual property rights.  The failure of Mariner Finance to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.  If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms of Use remain in full force and effect.  You agree that regardless of any statute or law to the contrary, you must file any claim or cause of action against Mariner Finance within one (1) year after such claim or cause of action arose or be forever barred.  The section titles in the Terms of Use are for convenience only and have no legal or contractual effect.

14. VIOLATIONS

If you learn of, or have information indicating that anyone has violated or is violating these Terms of Use, please report the violation to Mariner Finance by clicking here.

Personal Loan Licenses and Disclosures

Mariner Finance, LLC, and its affiliates, are licensed consumer finance companies and maintain required licenses or registrations in the states in which they provide their services.

Alabama

Alabama State Banking Department, Consumer Credit License No. MC 22062

California

Loans made or arranged pursuant to a California Financing Law license. California DBO Financing Law License: 60DBO78053

Notice to CA residents: If you are married, you may apply for a separate account.

Delaware

Delaware State Bank Commissioner, Licensed Lender License No. 7040

DE Itemized Schedule of Charges (Download Adobe Acrobat Reader to open PDF file)

Florida

Mariner Finance Florida, Inc.,

Florida Office of Financial Regulation, Consumer Lender License No. CF9901224

Georgia

Georgia Industrial Loan Commission, Georgia Industrial Loan Act License No. 30445

Illinois

Illinois Department of Financial & Professional Regulation, Consumer Installment Loan Act License No. CI.0009479

Indiana

Indiana Department of Financial Institutions, Licensed Lender License No. 28338

Kentucky

Kentucky Department of Financial Institutions, Consumer Loan License No. CL373229

Louisiana

Louisiana Office of Financial Institutions, Licensed Lender License No. 166564-1018203

Maryland

Maryland Department of Labor, Licensing & Regulation, Installment Loan License No. 2286

Maryland Department of Labor, Licensing & Regulation, Consumer Loan License No. 1377

Mississippi

Mississippi Department of Banking and Consumer Finance, Small Loan License No. SL/003613/2017

Missouri

Missouri Division of Finance, Consumer Installment Lender License No. 510-16-7901

Max Rate Schedule (Download Adobe Acrobat Reader to open PDF file)

Consumer Installment Lender License (Download Adobe Acrobat Reader to open PDF file)

Missouri Division of Finance
P.O. Box 716
Jefferson City, Missouri 65102
573 751-3463

New Jersey

New Jersey Department of Banking and Insurance, Consumer Lender License No. L068389

New York

New York State Department of Financial Services, Lender License No. OSL 103115

CREDIT REPORT NOTICE (APPLIES TO NEW YORK RESIDENTS)

We may request credit reports, other than investigative consumer reports, and, if we do, upon your request you will be informed whether a credit report was requested, and if it was, of the name and address of the consumer reporting agency that furnished the report. This notice applies to subsequent credit reports that we may request in connection with any account reviews, updates, renewals, or extensions.

North Carolina
Mariner Finance North Carolina, Inc., Consumer Finance License No. 124533-1;
2425 HWY 70, Southeast, Hickory North Carolina 28602

Ohio

Ohio Division of Financial Institutions, Ohio Mortgage Loan Act Certificate of Registration No.  SM.501862.000; 8211 Town Center Drive, Nottingham, MD  21236

NOTICE REQUIRED BY OHIO LAW (APPLIES TO OHIO RESIDENTS)

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Pennsylvania

Pennsylvania Department of Banking and Securities, Consumer Discount Company License No. 21009.023

South Carolina

South Carolina State Board of Financial Institutions, Supervised Lender License No. S-8597 (8211 Town Center Drive, Nottingham, Maryland 21236); S-8598 (www.marinerfinance.com)

SC Consumer Rights and Responsibilities Pamphlet
(Download Adobe Acrobat Reader to open PDF file)

SC Maximum Rate Schedule Mariner Finance, LLC
SC Maximum Rate Schedule www.marinerfinance.com 
(Download Adobe Acrobat Reader to open PDF file)

SC Maximum Rate Credit Sales Certificate Mariner Finance, LLC
SC Maximum Rate Credit Sales Certificate www.marinerfinance.com 
(Download Adobe Acrobat Reader to open PDF file)

SC Supervised Lender License
(Download Adobe Acrobat Reader to open PDF file)

SC Consumer Grantor Certificate Mariner Finance, LLC
Sc Consumer Grantor Certificate www.marinerfinance.com
(Download Adobe Acrobat Reader to open PDF file)

Tennessee

Tennessee Department of Financial Institutions, Tennessee Industrial Loan and Thrift License No. 0000003758

Texas

Texas Consumer Credit Commissioner, Regulated Lender License No. 1400013594-152633

Utah

Utah Department of Financial Institutions, Registered Consumer Lender

Virginia
Mariner Finance of Virginia, LLC

Virginia Bureau of Financial Institutions, Consumer Lender License No. CF-2679; 2024 Daniel Stuart Square, Suite 31, Woodbridge, Virginia 22191

Washington

Washington Department of Financial Institutions, Consumer Loan License Number CL-166564

Wisconsin

State of Wisconsin Department of Financial Institutions, Loan Company License No. 3013

Mortgage Broker Licenses and Disclosures

Mariner Finance, LLC, NMLS No. 166564,  is a licensed mortgage broker and maintains a Mortgage Broker License or other required state license designation in the states in which it provides brokering services. Mariner Finance, LLC, as a broker, arranges loans with third party providers; it does not make any mortgage loan commitments or fund any mortgage loans.

Meet our mortgage loan officers

California

Loans made or arranged pursuant to a California Financing Law license. California DBO Financing Law License: 60DBO78053

Notice to CA residents: If you are married, you may apply for a separate account.

Delaware

Delaware State Bank Commissioner, Lender License No. 7040

District of Columbia

District of Columbia Department of Insurance Securities and Banking, Mortgage Broker License No. MLB166564

Florida

Florida Office of Financial Regulation, Mortgage Broker License No. MBR1621

Georgia

Georgia Department of Banking and Finance, Mortgage Lender License No. 47030

Illinois

Illinois Department of Financial & Professional Regulation, Residential Mortgage License No. MB.6761344

Indiana

Indiana Secretary of State, Loan Broker License NMLS No. 166564

Kentucky

Kentucky Department of Financial Institutions, Exempt Mortgage Broker Company Registration No. EC292617

Maryland

Maryland Commissioner of Financial Regulation, Mortgage Lender License No. 19277

Missouri

Missouri Division of Finance Mortgage Company License #19-2467

New Jersey

New Jersey Residential Mortgage Broker License, NMLS No. 166564

• Mariner Finance, LLC, as a broker, arranges loans with third party providers; it does not make any mortgage loan commitments or fund any mortgage loans.

North Carolina

North Carolina Commissioner of Banks, Mortgage Lender License No. L-164959.

Ohio

Ohio Division of Financial Institutions, Ohio Mortgage Loan Act Certificate of Registration No.  SM.501862.000;  8211 Town Center Drive, Nottingham, MD  21236

Ohio Division of Financial Institutions, Ohio Mortgage Broker Act Certificate of Registration No. MB.804177.000; 8211 Town Center Drive, Nottingham, MD  21236

NOTICE REQUIRED BY OHIO LAW (APPLIES TO OHIO RESIDENTS)

The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

Pennsylvania

Pennsylvania Department of Banking and Securities, Mortgage Broker License No. 34240

South Carolina

South Carolina Department of Consumer Affairs, Mortgage Broker License NMLS No. 166564

Tennessee

Tennessee Department of Financial Institutions, Mortgage License No. 111314

Texas

Texas Department of Savings and Mortgage Lending, Mortgage Company License No. 1415313; 8110 Wesley Street, Suite 170, Greenville TX 75402

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Virginia

Virginia State Corporation Commission, Bureau of Financial Institutions, Broker License No. MC-5564.

Washington

Washington Department of Financial Institutions, Consumer Loan License Number CL-166564

Texting Terms of Use

By providing your mobile number (including any mobile number provided in the future or other phone number later converted to a mobile phone number), you consent to be contacted by Mariner Finance, LLC, or an affiliated company (hereinafter “Company”), Company’s agents, employees, attorneys, subsequent creditors, loan servicing companies, and third-party collectors, through the use of SMS text messages sent from an automatic telephone dialing system (or any other means) regarding the loan and services for which you have applied. You agree and acknowledge that you have provided your consent to be contacted by text message in exchange for the loan or services you received from Company and that these Terms of Use shall be incorporated into any concurrent or subsequent agreements entered into between you and the Company.

You understand that your cellular provider’s message and data rates may apply to text messages sent from Company and that Company has no liability for the cost of any such text messages. You certify that you are the subscriber or non-subscribing customary user and are authorized to consent to receive text messages on the mobile phone number provided and that you are authorized to incur any message or data charges that may apply. Company is not responsible for incomplete, lost, late, or misdirected messages, including (but not limited to) undelivered messages resulting from any form of filtering by your mobile carrier or service provider or otherwise.

You acknowledge that text messages sent to your phone may be seen by anyone with access to your phone. As such, you agree to take steps to safeguard your phone and text messages so long as you would like any such messages to remain private. You acknowledge and agree that you want to receive text messages even though there is a risk another person could access those messages. You agree to notify Company immediately of any change of address, if you change mobile numbers, or if you plan to provide your phone to another person.

Company’s Texting Terms of Use can be modified at any time. The current version of the Terms of Use will be posted on the Company’s website. Company may terminate the text message program at any time.

Opt-Out or STOP

You understand that if you wish to stop receiving all text messages from Company, you must reply to any text messages from Company with the word STOP.

If at any time you need Company’s contact information or information on text messages, you can reply to any text message from Company by typing HELP.  Some of the text messages Company sends may include links to websites. To access these websites, you will need a web browser and Internet access.

For questions about these Terms of Use, requests for a paper copy of these Terms of Use, or any other requests regarding these Terms of Use, the following contact information may be used:

8211 Town Center Drive

Nottingham, MD 21236

Tel. Number: 877-310-2373

Email Address: customersupport@marinerfinance.com

Mariner Finance, LLC and its affiliates ( collectively “the Company”) are committed to facilitating the accessibility and usability of its websites for the widest possible audience. The Company has taken steps to comply to the extent feasible with the web accessibility standards set forth by the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.0, Level AA’s (“WCAG 2.0 AA”). The Company’s efforts for compliance are ongoing, and the website will be tested on a periodic basis to ensure continuing compliance with WCAG 2.0 AA requirements.

If, at any time, you have specific questions or concerns about the accessibility of any particular webpage on the Company’s website, please contact us at contactus@marinerfinance.com or call us at 877-310-2373 and select option 3 to speak with someone in Customer Relations. Please be sure to specify the webpage on which the issue occurs, and we will make reasonable efforts to address your concerns.