• We do not sell customer information.
• We do not provide customer information to persons or organizations who are conducting business on our behalf for their own marketing purposes.
• We contractually require any person or organization providing products or services to our customers on our behalf to protect the confidentiality of Festiva customer information.
• We afford prospective and former customers the same protections as existing customers with respect to the use of personal information.

We collect and use information we believe is necessary to administer our business and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes.

• From you (on applications and forms related to your loan), such as your name, address, email address, telephone numbers, social security number and income.
• From your transactions with us or with others, such as your payment history.
• From consumer reporting agencies, such as your credit history.

We use customer information to fulfill your requests for financial products and services and to assess your eligibility for a loan.

Sometimes we send offers to selected groups of Festiva customers on behalf of other businesses. When we do this, we do not give that business your name and address.

It is our intention to only send email communications that would be useful to you and that you want to receive. Some emails, such as those sent by the Members Portal after a payment, are a necessary part of conducting transactions, and these have no opt-out option.

All other emails, such as deal alerts, newsletters, and other promotional notices allow you to Opt-Out, as required by law.  Each time you receive a promotional email, you will be provided the choice to “opt-out” of future emails by following the instructions provided in the email.

We may share customer information as permitted by law. We may share some or all of the information we collect with our affiliated companies and to our service providers, such as third party marketers and other types of service providers we may use to enhance our service to you; to fulfill your requests for financial products and services; to administer your accounts with us; to develop new products and services of value to you; and to offer you other Festiva products that we believe may be of interest to you. Our affiliated companies are those companies related to us by common control or ownership.

If you decide to pay off your loan(s), we will continue to adhere to the privacy policies and practices as described in this notice.

In our efforts to protect your personal data, we use generally accepted standards for safeguards including administrative, technical and physical measures. Additional safeguards are in place for sensitive personal data. These safeguards are continually updated and maintained by qualified information security professionals.

One of the security techniques we use for online transactions is a technology called Secure Sockets Layer (SSL). If your browser is capable of SSL (and most are), your personal information will be automatically encrypted, or encoded, before it is sent over the Internet. More about SSL Technology.  When you enter a secure portion of festiva.travel (the “Website”) (which is any page containing any of your personal information), an image of a closed lock or a solid key should appear in your browser window.

Please note that our Website links to other websites and that the privacy policies of those websites may differ from ours. We advise you to check the privacy policies of other websites before disclosing any personal information. In any event, please note that these websites do not share your personal information with us.

Occasionally when linking to another website, you may still see our Website's logo or frame. This is to provide you with a seamless experience when visiting our Website. In these cases you are no longer on our Website and are now on a different Website whose information collection practices may differ from ours. The privacy policy of the website you are on will govern how information collected from you is used. You can always verify which website you are on by checking the location bar within your browser.

When you visit our Website, you may be assigned a permanent "cookie" (a small text file) or a temporary cookie that only lasts for the session (“session cookies”) to be stored on your computer's hard drive. The purpose of the cookie is to identify you when you visit our Website so we can enhance and customize your online experience.

You can choose to visit our Website without cookies, but without these identifying files you will not be able to take advantage of certain desirable features of our Website. These features include remembering your login (so you don't have to remember your login information) and providing a more personalized online experience. To visit without cookies, you can configure your browser to reject all cookies or notify you when a cookie is set (each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.)

If you do not want to receive offers as listed above or if you would like further information about this privacy policy, please contact us at: comments@festiva.travel. 

Images of people or places displayed on the Website are either the property of, or used with permission by, Festiva. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these Terms and Conditions or by specific permission provided elsewhere on the Website. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The trademarks, logos, and service marks (collectively the "trademarks") displayed on the Website are registered and unregistered trademarks of Festiva and other parties. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Website. Your use of the trademarks displayed on the Website, or any other content on the Website is strictly prohibited. You are also advised that Festiva will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

The Website may contain or reference trademarks, patents, trade secrets, technologies, products, services, processes or other proprietary rights of Festiva and/or other parties. No license to or right in any such trademarks, patents, trade secrets, technologies, products, services, processes and other proprietary rights of Festiva and/or other parties is granted or conferred upon you.

Festiva information may contain technical inaccuracies or typographical errors. Festiva reserves the right to make changes, corrections and/or improvements to Festiva information, and to the products, services and programs described in such information, at any time without notice.

This Website may provide links or references to other websites as a convenience. However, your access of those websites is at your own risk. Festiva expressly disclaims any responsibility for those websites, including but not limited to the content, lawfulness, or reliability of those websites. Further, Festiva shall not be responsible for any use of personal information you may provide to those websites. You agree and acknowledge that Festiva is in no way responsible or liable, directly or indirectly, for any damages or costs resulting or arising from your use or reliance on those websites or their content.

Festiva reserves the right to take any and all action necessary and to seek any and all remedies available to it to prevent the unauthorized use of the content and/or the Website itself, including but not limited to the right to take appropriate legal action, to seek injunctive relief and/or monetary damages, and to prevent further use of the Website by anyone who infringes on its intellectual property rights or otherwise misuses the content or the Website in any way.

You agree to indemnify and hold harmless Festiva from any and all damages, costs, or expenses, including reasonable attorney’s fees and court costs, accrued as a result of any action brought against Festiva (i) by a third party as a result of your access to and/or use of this Website and/or (ii) if Festiva is the prevailing party in any action brought by you to enforce these Terms and Conditions against it and/or (iii) if Festiva is the prevailing party in any action brought by it to enforce these Terms and Conditions against you.

Festiva reserves the right to amend or change any or all of these Terms and Conditions by posting any such amendments or changes herein. Such amendments and changes shall be effective as of the date of posting to the Website.

These Terms and Conditions will be governed by and construed under the laws of the State of North Carolina, without giving effect to any conflict of laws provisions. Venue for any and all actions is in the appropriate court located in Buncombe County, North Carolina, USA, and by using this Website, you consent and submit to jurisdiction of such state or federal courts as applicable.

If for any reason a court of competent jurisdiction finds any provision or portion of these terms of use to be unlawful, void, or unenforceable, the remainder of the Terms and Conditions will continue in full force and effect. These Terms and Conditions constitute the entire agreement with respect to the subject matter herein, except as modified only in writing and signed by all parties.

If you have any questions about these Terms and Conditions, this Website, or if you would like further information about Festiva, you can contact us at our corporate office by email, mail or telephone.

YOUR USE OF THIS WEBSITE SIGNIFIES YOUR AGREEMENT TO THESE TERMS OF USE, WHICH MAY BE UPDATED FROM TIME TO TIME AT THE SOLE DISCRETION OF FESTIVA. NOTICE OF ANY CHANGES TO THESE TERMS OF USE IS SOLELY THROUGH POSTING CHANGES TO THESE TERMS OF USE CONTAINED HEREIN.

FESTIVA, ITS AFFILIATES, AND/OR ITS LICENSORS, PROVIDE THE CONTENT OF THIS WEBSITE AND THE WEBSITE ITSELF TO YOU SOLELY ON AN "AS IS" BASIS, AND DISCLAIM ANY AND ALL WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, TO THE FULLEST EXTENT ALLOWED BY LAW WITH RESPECT TO THE CONTENT AND THE WEBSITE, INCLUDING BUT NOT LIMITED TO ANY AND ALL WARRANTIES AND REPRESENTATIONS OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR ANY PURPOSE WHATSOEVER.

FESTIVA, ITS AFFILIATES, AND/OR ITS LICENSORS FURTHER DISCLAIM ANY AND ALL RESPONSIBILITY AND LIABILITY FOR (I) ERRORS, MISTAKES, OR INACCURACIES OF THE CONTENT OF THIS WEBSITE, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF - WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THIS WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THIS WEBSITE BY ANY PARTY.

FESTIVA, ITS AFFILIATES, AND/OR ITS LICENSORS SHALL IN NO EVENT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR OTHER DAMAGES OF ANY NATURE WHATSOEVER, RESULTING FROM THE USE OR, OR INABILITY TO USE, THE CONTENT OF THIS WEBSITE AND/OR THE WEBSITE ITSELF, YOUR PARTICIPATION IN ANY INTERACTIVE ADVERTISEMENTS AND/OR PROMOTIONS, AND/OR ANY PRODUCTS OR SERVICES PURCHASED FROM THIS WEBSITE, WHETHER BASED IN TORT, CONTRACT, OR NEGLIGENCE, EVEN IF FESTIVA, ITS AFFILIATES, AND/OR ITS LICENSORS HAVE BEEN ADVISED OF SUCH ACTUAL OR POTENTIAL DAMAGES. YOUR ONLY REMEDY SHALL BE TO CEASE ANY FURTHER USE OF THE CONTENT OR THE WEBSITE ITSELF.