Terms of use
Using This Website Generally
Version 1.1: February 9, 2017
Art Money U.S., Inc.
524 Broadway
New York, NY 10012
artmoney.com
info@artmoney.com
+1 888 886 8725
This Privacy Policy applies to the extent Art Money U.S., Inc. (“Art Money,” “we,” or “us”) collects, uses, and discloses personal information in connection with the website owned and operated by Art Money, www.artmoney.com (“Website”) or in connection with the products and services (“Services”) that we offer to Art Galleries (as defined below) that use the Website and individual users of the Website (collectively, “Users”).
Art Money also has a privacy notice that details its privacy practices in connection with its collection and disclosure of personal and financial information. Customers of Art Money (including prospective customers of Art Money) can access a copy of that privacy notice from this website as well as during the loan application process.
This Privacy Policy may be revised and/or updated from time to time and Art Money may subsequently notify Users of any changes to this Privacy Policy by posting the revised/updated Privacy Policy on this Website. Any changes to this Privacy Policy take effect on the date on which the revised/updated Privacy Policy is posted to the Website.
Information Collected
Art Money may collect the personal information of Users through their use of the Website or our Services. Personal information may include, but is not limited to, first and last name, physical address, contact email and phone number, Social Security number, date of birth, income & asset information and bank account information.
Users are not required to provide personal information in order to browse the Website. However, organisations that we partner with that sell art to customers (“Art Galleries”) and individuals who use our Services in order to purchase art (“Borrowers”), must create accounts and provide personal information, as necessary, to receive Art Money’s Services.
We collect the following types of information.
- Information Provided by Users
If a User expresses interest in one of our Services, we will collect certain personal and financial information from that User, including contact information (such as name and email address), which we will use to contact the User, and financial information, which we will use as a responsible lender to assess the User’s ability to repay their loan. We may request additional personal information that is necessary to process any application submitted by a User, such as physical address, Social Security number, mobile telephone number, and date of birth, or additional financial information. Additionally, we may collect personal information to verify a User’s identity, for security-related purposes, or other administrative purposes. In order to provide Services, we may supplement the personal information submitted by Users with information from third-party sources, such as consumer report information.
If Users contact us, request assistance, or otherwise provide us with information, we will maintain records of that correspondence. This may include Users’ questions, comments, or suggestions.
- Account and Transaction Information
We collect information about the use of our Services. For example, in processing payment transactions, such information would include a Borrower’s name, amount of payment, and the Borrower’s checking account information. Other information that we collect includes Borrower transaction history, payment history, and account balance. Device and Usage Information
We may automatically collect the following types of information from Users of our Website or Services.
- Usage Information: We collect certain information automatically about the use of the Website, such as the top level domain name (for example .com, .net, .au, etc.), the address of the referring website (for example, the previous webpage visited), which of our webpages a User accesses, the date and time of visit, the address of the webpages accessed, the documents downloaded, and the frequency of access.
- Location Information: We may collect information about our Users’ actual location which may be determined from GPS and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers.
- Device Information: We may collect information about the device that a User is using to access the Website, such as hardware model, operating system, application version number, type of browser, and IP addresses.
- Mobile Device Information: In addition to the Device Information listed above, when a User accesses the Website or our Services via a browser on a mobile device, we may also collect mobile network informationincluding phone number, the unique device identifier assigned to that device, mobile carrier, and other device attributes.
- Cookies and Other Tracking Technologies
A cookie is an electronic token that is passed to the User’s browser which passes information back to the server whenever a User accesses a webpage. Art Money servers may generate cookies which are used to keep track of the webpages Users have accessed while using the Website.
- Session Cookies: We use session cookies to make it easier for Users to navigate our Website. The cookies allow, inter alia, Users to page backwards and forwards through the Website and return to webpages they have already visited. The cookies exist only for the time the Users are on the Art Money Website during a single visit.
- Persistent Cookies: We use persistent cookies that remain on a User’s hard drive for an extended period of time, for example if Users select ‘Remember Me’ when they log in so they can be properly authenticated upon return.
If you reject cookies, you may still use our Website, but your ability to use some areas of our Website may be limited.
We may use other website or mobile tracking technologies to identify Users and keep track of User preferences, prevent fraudulent activity or improve Website security, assess the performance of the Website, and deliver content to Users based on their interests on our Website and third-party websites.
Third Party Data Collection
Art Money may partner with third parties to provide certain features on the Website or to display advertising on the Website or other websites, such as Google Analytics, which is a web analysis service provided by Google. Users can learn more about Google’s privacy practices and any opt out options by visiting their website at http://www.google.com/policies/privacy/partners/.
Information Use and Disclosure
Art Money will use and disclose personal information only for the purposes for which it is collected, including:
- Maintaining and updating our records;
- To maintain and improve the Website;
- To provide Users with information related to Services that they may be interested in or for Art Money (not third party) marketing purposes;
- To protect or enforce Art Money’s rights or property;
- Providing Services and customer support, including Service updates;
- Comparing information for accuracy and verifying it with third parties;
- Providing information as authorized or required by law or a relevant government body or authority;
- Sharing information in the event of a merger, acquisition, consolidation, change of control, or sale of all or a portion of our assets or if we undergo bankruptcy or liquidation;
- In the event of a sale of part or all of a loan; and
- For any other specific purposes which is permitted under the law for which Art Money has obtained User consent.
User Access to the Website
Access to the Borrower only sections of the Website that require use of a unique login and password are restricted to current registered Borrowers. If the Borrower does not use their unique login and password they will not be able to access these Services.
Access to the Art Gallery only sections of the Website that require use of a unique login and password are restricted to current registered Art Galleries. If the Art Gallery does not use their unique login and password they will not be able to access these Services.
Information Security
Art Money takes reasonable steps to protect all information it holds (including personal information) from misuse, loss, and unauthorized access, modification, or disclosure.
However, no transmission of information over the Internet can be guaranteed to be completely secure and Art Money does not warrant the privacy or security of any information transmitted to Art Money over the Internet.
Links to Other Websites
The Website may contain links to other websites. Art Money is not responsible for the privacy practices or the content of those websites. This Privacy Policy does not extend to those linked websites. Users should review the privacy policies of any third-party websites before using those third-party websites.
Marketing and Opt-Out
Art Money may also use the information, including personal information, provided by Users for marketing and research purposes; to analyze and improve products, benefits, and services; and to inform Users of products and services provided by Art Money, its related entities, or preferred suppliers which Art Money consider may be of value or interest to Users, unless the User tells Art Money or has previously told Art Money not to. If a User does not wish to receive any communications about such Services they may opt out by sending an opt-out request to us at the address listed below in the Contact Information Section.
Jurisdiction
This Website is intended to be used for Art Money’s United States Users. Individuals located outside of the United States should be aware the Website may not provide the same protections as the countries in which they reside.
Children’s privacy
Art Money’s Website is not intended for use by children. Art Money does not knowingly collect personal information from children under the age of 13 years. If Art Money becomes aware that a child under 13 has provided personal information, Art Money will take immediate steps to delete such personal information.
Do Not Track
This Website is not currently configured to respond to Do Not Track signals sent by Internet browsers.
Acceptance of this Privacy Policy
By using the Website or accessing any of Art Money’s services or features, the User acknowledges having read and understood this Privacy Policy and the permissions to collect, use, and disclose personal information, and the User authorizes Art Money to collect, use, and disclose personal information for the purposes specified in this Privacy Policy.
Contact Information
If the User requires any further information about the Art Money’s management of personal information or has any queries or complaints, they should contact:
Art Money U.S., Inc.
524 Broadway
New York, NY 10012
artmoney.com
info@artmoney.com
+1 888 886 8725
Version 1.0: 6 November 2015
General Terms of Use
Art Money New Zealand Limited
NZBN 9429042003243
PO Box 106-634, Auckland City 1143, New Zealand
Tel 0800 004 682
1. Definitions and terminology
1.1 In these terms and conditions:
- a reference to "we", "us" and "our" (or any similar expression) is a reference to Art Money New Zealand Limited.
- a reference to “you” or “your” or “user” (or any similar expression) is a reference to any person that accesses this website (including any hyperlink on this website) for any reason whatsoever;
- the singular includes the plural and vice versa;
- headings are for convenience only and do not affect interpretation;
- other grammatical forms of defined words or expressions have corresponding meanings;
- a reference to a party to this document includes that party's successors and permitted assigns;
- a reference to a user, party or person includes an individual, company, legal entity or body of persons and words implying natural persons include partnerships, bodies corporate and associations;
- a reference to a deed, document or agreement includes that deed, document or agreement as novated, amended, altered or replaced;
- a reference to anything includes the whole or any part of that thing and a reference to a group of things or persons includes each thing or person in that group;
- a reference to legislation or statutory instrument or a provision of any legislation or statutory instrument includes modifications or re-enactments of the legislation or statutory instrument, or any legislative or statutory provision substituted for, and all legislation and statutory instruments and regulations issued under the legislation; and
- the words “include”, “including”, “for example” or “such as” are not used as, nor is it to be interpreted as, a word of limitation and when introducing an example, do not limit the meaning of the words to which the example relates to that example or examples of a similar kind.
2. Acceptance / amendment of terms and conditions
- In using this website, you agree to be bound by these terms and conditions. We may need to amend these terms and conditions from time to time. Amendments will be effective immediately upon update on this website. Your continued use of the website following such amendment will represent an agreement by you to be bound by the terms and conditions, as amended from time to time.
- These website terms and conditions apply to the general use of this website by you. Despite any other provision in these terms and conditions to the contrary these terms and conditions are not intended to, nor do they, govern the contractual relationship between:
- Art Money and a customer that has or proposes to obtain a loan from Art Money in order to purchase art being sold by a participating Art Gallery; or
- Art Money and a participating Art Gallery in relation to these arrangements.
- For a customer that has or proposes to obtain a loan from Art Money in order to purchase art being sold by a participating Art Gallery, only the terms and conditions of the credit contract with Art Money are made available to the Customer via this website. Art Galleries seeking to participate in the Art Money program will be provided with a copy of the proposed terms by Art Money at an appropriate time as part of their application process.
3. Accessing this website
- You must take your own precautions to ensure that the process and equipment which you use for accessing this website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer / system. For the avoidance of doubt, we do not accept responsibility for any interference or damage to your computer / system that arises from or in connection with your use of this website or any linked website.
- This website is hosted on a server that is located in New South Wales, Australia. We do not represent that we are permitted to provide the services that are provided on this website in any jurisdiction other than the jurisdiction you are located in, from which this website may be viewed. You must ensure that your access to or use of this website is not illegal or prohibited by laws which apply to you.
- Access to this website may be terminated at any time by us without notice.
4. Copyright
Copyright in this website (including text, graphics, logos, icons, sound recordings and software) is owned by or licensed to us. Other than for the purposes of, and subject to the conditions prescribed under, the Copyright Act 1968 (Cth) and the Copyright Act 1994 (NZ) and similar legislation which applies in your location, and except as expressly authorised by these terms and conditions, you may not in any form or by any means:
- adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of this website; or
- commercialise any information obtained from any part of this website, without our consent.
5. Trade marks
- Except where otherwise specified, any word or device to which is attached the ™ or ® symbol is a registered trade mark.
- If you use any of our trade marks in reference to our activities, products or services, you must include a statement attributing that trade mark to us. You must not use any of our trademarks:
- in or as the whole or part of your own trademarks;
- in connection with activities, products or services which are not ours;
- in a manner which may be confusing, misleading or deceptive; in a manner that disparages us or our information, products or services (including this website).
6. Linked websites
- This website may contain links to other websites. Those links are provided for convenience only and may not remain current or be maintained. We are not responsible for the content or privacy practices associated with linked websites.
- Our links with linked websites should not be construed as an endorsement, approval or recommendation by us of the owners or operators of those linked websites (and vice versa), or of any information, graphics, materials, products or services referred to or contained on those linked websites, unless and to the extent expressly stated to the contrary in this website.
7. Governing law
These terms and conditions are governed by the laws in force in New Zealand. In using this site, you agree to submit to the non-exclusive jurisdiction of the courts of New Zealand and you waive any right to object to an action being brought in those courts, including on the basis of an inconvenient forum or those courts not having jurisdiction.
8. Severability
A provision of these terms and conditions that is illegal, invalid or unenforceable in a jurisdiction is ineffective in that jurisdiction to the extent of the illegality, invalidity or unenforceability. This does not affect the validity or enforceability of that provision in any other jurisdiction, nor the remainder of this document in any jurisdiction.
9. Interpretation
No rule of construction applies to the disadvantage of a party because that party was responsible for the preparation of, or seeks to rely on, these terms and conditions or any part of it.
Version 1.1: 3 April 2019
General Terms of Use
Art Money Pty Ltd
ABN 65 168 905 388
Australian Credit License 470221
20 Meagher Street
Chippendale, NSW 2008
Tel 1300 31 66 11
1. Definitions and terminology
1.1 In these terms and conditions:
- a reference to "we", "us" and "our" (or any cognate expression) is a reference to Art Money Pty Ltd (ABN 65 168 905 388).
- a reference to “you” or “your” or “user” (or any cognate expression) is a reference to any person that accesses this website (including any hyperlink on this website) for any reason whatsoever;
- the singular includes the plural and vice versa;
- headings are for convenience only and do not affect interpretation;
- other grammatical forms of defined words or expressions have corresponding meanings;
- a reference to a party to this document includes that party's successors and permitted assigns;
- a reference to a user, party or person includes an individual, company, legal entity or body of persons and words implying natural persons include partnerships, bodies corporate and associations;
- a reference to a deed, document or agreement includes that deed, document or agreement as novated, amended, altered or replaced;
- a reference to anything includes the whole or any part of that thing and a reference to a group of things or persons includes each thing or person in that group;
- a reference to legislation or statutory instrument or a provision of any legislation or statutory instrument includes modifications or re-enactments of the legislation or statutory instrument, or any legislative or statutory provision substituted for, and all legislation and statutory instruments and regulations issued under the legislation; and
- an expression not otherwise defined in this document has the same meaning as in the Acts Interpretation Act 1901 (Cth) or the equivalent State legislation, as applicable; and
- the words “include”, “including”, “for example” or “such as” are not used as, nor is it to be interpreted as, a word of limitation and when introducing an example, do not limit the meaning of the words to which the example relates to that example or examples of a similar kind.
2. Acceptance / amendment of terms and conditions
- In using this website, you agree to be bound by these terms and conditions. We may need to amend these terms and conditions from time to time. Amendments will be effective immediately upon update on this website. Your continued use of the website following such amendment will represent an agreement by you to be bound by the terms and conditions, as amended from time to time.
- These website terms and conditions apply to the general use of this website by you. Despite any other provision in these terms and conditions to the contrary these terms and conditions are not intended to, nor do they, govern the contractual relationship between:
- Art Money and a customer that has or proposes to obtain a loan from Art Money in order to purchase art being sold by a participating Art Gallery; or
- Art Money and a participating Art Gallery in relation to these arrangements.
- For a customer that has or proposes to obtain a loan from Art Money in order to purchase art being sold by a participating Art Gallery, the terms and conditions of the credit contract with Art Money are made available to the Customer via this website. Art Galleries seeking to participate in the Art Money program will be provided with a copy of the proposed terms by Art Money at an appropriate time as part of their application process.
3. Accessing this website
- You must take your own precautions to ensure that the process and equipment which you use for accessing this website does not expose you to the risk of viruses, malicious computer code or other forms of interference which may damage your own computer / system. For the avoidance of doubt, we do not accept responsibility for any interference or damage to your computer / system that arises from or in connection with your use of this website or any linked website.
- This website is hosted on a server that is located in New South Wales, Australia. We do not represent that we are permitted to provide the services that are provided on this website in any jurisdiction other than New South Wales and the Commonwealth of Australia from which this website may be viewed. You must ensure that your access to or use of this website is not illegal or prohibited by laws which apply to you.
- Access to this website may be terminated at any time by us without notice.
4. Copyright
Copyright in this website (including text, graphics, logos, icons, sound recordings and software) is owned by or licensed to us. Other than for the purposes of, and subject to the conditions prescribed under, the Copyright Act 1968 (Cth) and similar legislation which applies in your location, and except as expressly authorised by these terms and conditions, you may not in any form or by any means:
- adapt, reproduce, store, distribute, print, display, perform, publish or create derivative works from any part of this website; or
- commercialise any information obtained from any part of this website, without our consent.
5. Trade marks
- Except where otherwise specified, any word or device to which is attached the ™ or ® symbol is a registered trade mark.
- If you use any of our trade marks in reference to our activities, products or services, you must include a statement attributing that trade mark to us. You must not use any of our trademarks:
- in or as the whole or part of your own trademarks;
- in connection with activities, products or services which are not ours;
- in a manner which may be confusing, misleading or deceptive; in a manner that disparages us or our information, products or services (including this website).
6. Linked websites
- This website may contain links to other websites. Those links are provided for convenience only and may not remain current or be maintained. We are not responsible for the content or privacy practices associated with linked websites.
- Our links with linked websites should not be construed as an endorsement, approval or recommendation by us of the owners or operators of those linked websites (and vice versa), or of any information, graphics, materials, products or services referred to or contained on those linked websites, unless and to the extent expressly stated to the contrary in this website.
7. Governing law
These terms and conditions are governed by the laws in force in New South Wales, Australia. In using this site, you agree to submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia (and any court of appeal) and you waive any right to object to an action being brought in those courts, including on the basis of an inconvenient forum or those courts not having jurisdiction.
8. Severability
A provision of these terms and conditions that is illegal, invalid or unenforceable in a jurisdiction is ineffective in that jurisdiction to the extent of the illegality, invalidity or unenforceability. This does not affect the validity or enforceability of that provision in any other jurisdiction, nor the remainder of this document in any jurisdiction.
9. Interpretation
No rule of construction applies to the disadvantage of a party because that party was responsible for the preparation of, or seeks to rely on, these terms and conditions or any part of it.
10. To return to the website
To return to the website, click where indicated below.