Social Conscience PBC

Thrive & Sustain

Register as a Social Conscience Member

Register as a Social Conscience Member in order to Borrow

Social Conscience (SC) offers loans up to $500 dollars, with fixed interest rates of 10%-20% (and in some cases 25%), with payment terms ranging from 1 – 3 months.

Memebers that are in good standing can get loans with rates as low as 10%, while members who just join are given loans at the 15%. In order to procure a loan from SC, you will need to present two people (referred to as endorsers) who can vouch for your character. These two people will be contacted and asked to confirm your viability as a borrower.
If you pass this initial screening test, you will then be allowed to request loans.

For every loan requested, your endorsers will be required to put down 15% of the loan. Once you have repaid the loan and interest, your endorsers will receive a full refund for their payments. By registering for Social Conscience Cooperative you are consenting to receive messages through text at the number you provided. Please note that you are also consenting for Social Conscience Cooperative to send your endorsers text messages. To acknowledge your understanding of the above, please click the checkbox below.

Registration

Endorsers

You must specify at minimum 2 people who can serve as endorsers in order to register as an SC memmber.

This privacy policy has been compiled to better serve those who are concerned with how their Personally Identifiable Information? (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context.
Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.
What personal information do we collect from the people that visit our blog, website or app?
  • We do not collect information from visitors of our site, or other details to help you with your experience.
When do we collect information?
  • We collect information from you when you register or request a loan or any service from our site. How do we use your information?
    • We use the information we collect to provide you with the service you select, whether that’s borrowing or submitting a community engineering project. We will also use the information we collect from you to help us gather insights into our membership base in which case your information will be anonymized and scrubbed of any personal identifiable information (PII).
    How do we protect your information?
    • Security plans for database protection are currently underway.
  • Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. We use regular Malware Scanning. We do not use an SSL certificate We do not need an SSL because: We do not process credit card transactions on this website. Do we use cookies?
    • We do not use cookies for tracking purposes
    Why do we have a PII Statement?
    • California Online Privacy Protection Act CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared.
      See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf According to CalOPPA, we agree to the following: Users can visit our site anonymously. Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
    Our Privacy Policy link includes the word Privacy and can easily be found on the page specified above. You will be notified of any Privacy Policy changes:
    Does our site allow third-party behavioral tracking?
    • We do not allow third-party behavioral tracking.

    COPPA (Children Online Privacy Protection Act)

    When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online. We do not specifically market to children under the age of 13 years old or allow them to use our services.

    Fair Information Practices

    The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
    We will notify you via email within 7 business days. We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law.
    This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors. CAN SPAM Act The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. We collect your phone number in order to:
    Process borrowing requests and to send information and updates pertaining to orders.
    To be in accordance with CANSPAM, we agree to the following:
    • Not use false or misleading subjects or email addresses.
    • Identify the message as an advertisement in some reasonable way.
    • Include the physical address of our business or site headquarters.
    • Monitor third-party VOIP marketing services for compliance, if one is used.
    • Honor opt-out/unsubscribe requests quickly through text messages.
    • Contacting Us If there are any questions regarding this privacy policy, you may contact us.