3. Personal Information We Collect
A. Information You Provide to Us
Account Registration: Name, contact information, and payment details.
Loan Application: Social Security number, income, employment information, and credit history.
Customer Service: Correspondence with our support team, which may include personal information.
B. Information We Collect Automatically
Through Your Use of Our Service: IP address, device information, and cookies that may uniquely identify your browser or account.
Transaction Information: Details about the transactions you carry out using our services.
C. Information from Third Parties
Credit Bureaus: Credit reports and scores.
Marketing Partners: Demographic and market segment information.
4. How We Use Your Information
To Provide Services: Processing applications, managing accounts, and providing customer support.
For Research and Development: To improve our understanding of our users and their preferences.
For Compliance: To comply with legal obligations and prevent fraud.
For Marketing: Sending you promotional messages and information about new products or services.
5. How We Share Your Information
A. With Service Providers: We may share your information with third-party service providers that provide services such as data analysis, payment processing, information technology, and related infrastructure, customer service, email delivery, and auditing services.
B. In the Event of Business Transfer: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred.
C. For Legal Reasons: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to comply with a legal obligation, protect and defend our rights or property, or in urgent circumstances, to protect personal safety.
6. Your Choices and Rights
Access and Correction: You have the right to access certain personal information we hold about you and to request that we correct, amend, or delete it.
Opt-Out of Communications: You may opt out of receiving promotional communications from us by using the unsubscribe link within each email.
Cookies and Tracking Technologies: You can set your browser to refuse certain cookies or to indicate when a cookie is being sent.
7. Data Security and Retention
We use certain physical, managerial, and technical safeguards that are designed to improve the integrity and security of personal information that we collect and maintain.
8. International Data Transfers
We are based in the United States and the information we collect is governed by U.S. law. By accessing or using the Services or otherwise providing information to us, you consent to the processing and transfer of information in and to the U.S. and other countries.
9. Children’s Privacy
Our Services are not directed to individuals under 18. We do not knowingly collect personal information from children under 18.
11. Contact Us
12. Additional Information for Certain Jurisdictions
A. California Residents: Details regarding additional rights afforded to California residents under the California Consumer Privacy Act (CCPA).
B. EU Data Subjects: Rights under the General Data Protection Regulation (GDPR), including the right to be forgotten, the right to object, and the right to rectification.