Last updated: May 19, 2017

We are serious about protecting the privacy and security of our users.  This Privacy and Security Policy describes how we use and protect your personal data.  It applies to Skill-Loan.com, Mechanicsmarketplace.com, any subdomains thereof and any other websites where this policy is linked to in the footer of the page and any mobile application of such websites (which we have collectively called the “Site” in this policy).

The Site is operated by Skill-Loan.com.  The terms “users” or “you” as used in this Privacy and Security Policy, refer to users of the Site who look for employees to borrow, tools or equipment to borrow, services to provide and parts to sell, as well as users who list employees, tools and equipment for loan, and parts to buy.  It also applies to other visitors to our site - for example our investors or those applying for a job through the Site.

We use information collected about you as explained in this Privacy and Security Policy. The Site may contain links to third parties' websites. We're not responsible for the privacy practices or the content of those websites. The Site may also contain links to terms and conditions and privacy policies of third party providers who provide tools or services on a Site. Therefore, please read carefully any privacy policies on those links or websites before either agreeing to their terms or using those tools, services or websites.  Unless we explain otherwise in this policy, the words and phrases used in this policy have the same meaning as in the Terms and Conditions - available at Terms & Conditions of Use.

By providing information to us when listing an employee or property, searching for an employee or property, using any tool or service on a Site or otherwise using the Site, you expressly agree to this Privacy and Security Policy. This Privacy and Security Policy was last updated on the date set forth above and applies from that date.  We may occasionally amend this Privacy and Security Policy to reflect regulatory requirements, advances in technology, Site updates and changes in our information collection and disclosure practices. Any new policy will automatically be effective when it is published on the website. You should therefore return here regularly to view our most up to date Privacy and Security Policy. You should also print a copy for your records.

Who Processes Your Personal Data, and Where?

Your personal data (also referred to as personal information) - that is, data that identifies you, or from which you are identifiable - will be collected, processed, stored and used by us, and passed to and processed by companies or sites owned by us and other data processors acting under our instructions, such our payment processor partner. Skill-Loan is a United States company and personal data contributed by or collected from users may be stored and processed in the United States. 

We do not knowingly collect or process data from anyone under the age of eighteen (18) years old.

Skill-Loan sites may also use Google Analytics to gather statistics on site usage.  This may involve the use of cookies.  There are more details in our Cookie Notice and in Google’s own Privacy and Security Policy.  Google may aggregate data they collect from their various services including Google Analytics, Google Translate, Google Maps and YouTube.  You acknowledge and accept that Skill-Loan has no control over Google’s data collection.  We strongly advise you to look at Google’s Privacy and Security Policy for details of their data collection practices, or you may want to opt out from Google Analytics please check here https://tools.google.com/dlpage/gaoptout.


The Information We Gather

At various times you may give your personal data to us. For example, in order to send a request or inquiry from you to another user, we may need to know all or some of the following: your full name, address, telephone number, e-mail address, your current location, and a method of payment. You may also give personal data to us at other times, such as when registering on the Site or when submitting a listing for an employee or a part.  We may also gather information from cookies or web beacons.  You can find out more about how they operate in the relevant section of this policy below.  We also collect IP addresses, mobile device identifier details, your location, navigation and click-stream data, the time of accessing the website, what you searched for, the duration of your visit, and other details of your activity on the Site. If you ask us to connect with other sites (for example if you ask us to connect with your Facebook account) we may get information that way too.  In connection with electronic communications we facilitate through a Site, we use electronic or manual checks to monitor such communications for trust and security purposes.  For further details on how we collect personal data, see Surveys and Newsletters below.  We obtain data from you either by you inputting your personal details, by the automatic collection of information about you as you use the Site, when we speak to you, or from third parties.  Third party information may include financial information which we use to prevent and detect fraud, information from your mobile provider if you are accessing the Site over a mobile device or information from a third party such as a social media or travel opinions site where you have asked us to share your data with them. 

How We Use Your Personal Data

Our primary purpose in collecting your personal data is to provide you with the services you request and those which we believe will optimize your use of the Site.  You agree that we may use your personal data for the following purposes:

We collate statistics about site traffic, sales and other commercial information which we pass onto third parties to assist us in improving the services we provide to you. We also use demographic information to tailor the Site and we share that information with third parties so that they can build up a better picture of our customer base and general consumer trends.

If you are a user, we may also display your phone number and reviews from other users on the listing itself so that other users may contact you and to restrict fraudulent behavior. We may also contact you about your account and your use of our services.


How We May Disclose Your Personal Data

We may disclose your personal data to enforce our policies, or where we are permitted to do so by applicable law, such as in response to a request by a law enforcement or governmental authority, or in connection with actual or proposed litigation, or to protect our property, people and other rights or interests.

We may also share your personal data with:

You may have accessed our website through a hyperlink from the website of one of our trading partners.  If so, you consent to your personal details and purchase information, including behavioral patterns, being shared with that trading partner in accordance with our contractual relationship with them.

In the unlikely event that Skill-Loan is sold, or some of its assets transferred to a third party, your personal information, as a valuable asset, may also be transferred.  Potential purchasers and their advisors may have access to data as part of the sale process. However, use of your personal information will remain subject to this Privacy and Security Policy. Similarly, your personal information may be passed on to a successor in interest in the unlikely event of a liquidation, bankruptcy, or administration. Our customer database could be sold separately from the rest of the business, in whole or in a number of parts.  It could be that the purchaser's business is different from ours, too.


Newsletters

If you sign up as a member on the Site, you will receive our newsletters and important information about your account, which is an integral part of the services we provide. You will have an option to Unsubscribe from these newsletters, though we don’t recommend you do so, as some communication with you may include important account and usage information, such as critical bugs and workarounds, service down, etc.


Surveys

We also use surveys to collect information about our users. From time to time, we request users' input in order to evaluate potential features and services. The decision to answer a survey is completely yours. We use information gathered from surveys to improve our services.

Mobile Applications

When you download or use apps relating to our websites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as search results, and other personalized content. Most mobile devices allow you to turn off location services. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or your device manufacturer.

 

Telephone Calls

As well as collecting data online and from correspondence we may also speak with you face to face (for example at your place of business) or by telephone.  We may, in the future, decide to record telephone conversations to improve our customer support.  This Privacy and Security Policy also governs those recordings and we keep this data in the same way that we keep other data.  Recordings of calls may also be transferred to locations or processed worldwide.


How Do We Protect Your Personal Information Once We Have It?

We take reasonable technical and organizational measures to guard against unauthorized or unlawful processing of your personal data and against accidental loss or destruction of, or damage to, your personal data. While no system is completely secure, we believe the measures implemented by the Site reduce our vulnerability to security problems to a level appropriate to the type of data involved. We have security measures in place to protect our user database and access to this database is restricted internally. Further, data considered sensitive is encrypted and further secured from internal, accidental or intentional attempts at gaining access to it.  However, it remains your responsibility:


Note that, despite the measures taken by us and the third parties we engage, the Internet is not secure.  As a result others may nevertheless unlawfully intercept or access private transmissions or data. 


What Are Cookies, Web Beacons and Clear GIFs and Why We Use Them?

A "cookie" is a small file placed on your hard drive by some of our web pages.   We, or third parties we do business with, may use cookies to help us analyze our web page flow, customize our services, content and advertising, measure promotional effectiveness and promote trust and safety. Cookies are commonly used at most major transactional websites in much the same way we use them here at our Site.

You may delete and block all cookies from this site, but parts of the site will not work. We want to be open about our cookie use.  Even if you are only browsing the Site certain information (including computer and connection information, browser type and version, operating system and platform details, and the time of accessing the Site) is automatically collected about you. This information will be collected every time you access the Site and it will be used for the purposes outlined in this Privacy and Security Policy.

You can reduce the information cookies collect from your device.  An easy way of doing this is often to change the settings in your browser. If you do that you should know that (a) your use of the Site may be adversely affected (and possibly entirely prevented), (b) your experience of this and other sites that use cookies to enhance or personalize your experience may be adversely affected, and (c) you may not be presented with advertising that reflects the way that you use our and other sites. You find out how to make these changes to your browser at this site: www.allaboutcookies.org/manage-cookies/.  Unless you have adjusted your browser setting so that it will refuse cookies, our system will send cookies as soon as you visit our site.  By using the site you consent to this, unless you change your browser settings.  

We gather and share information concerning the use of the Site by members with one or more third-party tracking companies for the purpose of reporting statistics. To do this, some of the pages you visit on our Site use electronic images placed in the web page code, called pixel tags (also called "clear GIFs" or "web beacons") that can serve many of the same purposes as cookies.

Web beacons may be used to track the traffic patterns of users from one page to another in order to maximize web traffic flow. Our third-party advertising service providers may also use web beacons to recognize you when you visit the Site and to help determine how you found the Site. If you would like more information about this and to know your choices about not having this information used by these companies, click here: http://networkadvertising.org/consumer/opt_out.asp  


Phishing or False emails

If you receive an unsolicited email that appears to be from us or one of our members that requests personal information (such as your credit card, login, or password), or that asks you to verify or confirm your account or other personal information by clicking on a link, that email was likely to have been sent by someone trying to unlawfully obtain your information, sometimes referred to as a "phisher" or "spoofer." We do not ask for this type of information in an email. Do not provide the information or click on the link.  Please contact us if you get an email like this.


Job Applicants, Current and Former Employees

If you use the Site to apply to work with us, we will use the information you supply to process your application and to monitor recruitment statistics.  Where we want to disclose information to a third party, for example where we want to take up a reference, will not do so without informing you beforehand unless the disclosure is required by law.  Personal information about unsuccessful candidates will be held for 12 months after the recruitment exercise has been completed, it will then be destroyed or deleted.  We retain de-personalized statistical information about applicants to help inform our recruitment activities, but individuals should not be identifiable from that data. Skill-Loan is based in the US and employee and recruitment data is held there.

Once a person has taken up employment with us, we will compile a file relating to their employment.  At that stage we will give you more details about how we hold employee details.


How do I Correct or Update My Information?

You can see any personal information processed by us.  The best way of seeing this if you are a user is to log on to your account by using the ‘Login’ tab and going to your “Profile”.  You can see your basic details and correct or update them there at any time to suit you.  We also want to give you the opportunity to identify any inaccuracies in any other information we hold about you. Where possible, if we're told about the inaccuracy of any personal information, we will make appropriate corrections. You can ask to see, update or amend any information we hold on you by contacting us.
 
How do I Opt-out of Receiving Marketing Communications From You?

We will contact you from time to time for marketing purposes. Unless you have opted out, this could include contacting you by phone or email.
You may opt-out of receiving marketing communications from us by the following means:
1.    Contact us directly; or,
2.    Follow the instructions included in each communication or newsletter to Unsubscribe.

Please remember that if you change your preferences it may take a short time for those preferences to become effective.


How Long Will We Keep Your Personal Data?

We will retain your personal data only as long as is necessary for the purposes to which you consent under the Terms and Conditions and this Privacy and Security Policy, or as is required by applicable law, and then we will delete it.


How do I Contact You?

If you have any questions about this Privacy and Security Policy, the practices of this Site, or your dealings with this Site, we encourage you to contact us using the telephone number and email information we provide to you on our website.