California Privacy Policy

California Privacy policy

This California Privacy Policy contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to that law. This California Privacy Policy should be read in conjunction with our Privacy Policy and Terms of Use, which are incorporated herein by reference.

A. PERSONAL INFORMATION WE MAY COLLECT, DISCLOSE FOR A BUSINESS PURPOSE, AND SELL

We collect the categories of personal information about California consumers identified in the table below and may use and disclose to third parties this information for business or commercial purposes. In addition, as is common practice among companies that operate online, we allow certain third parties, including nonaffiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Website and across your browsers and devices using cookies, log files, analytics tools and other technologies. These third parties may use this information to display online advertisements targeted at your interests and preferences across your browsers and devices, to conduct ad campaign measurement and Website analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes. However, the collection of information by these third parties does not constitute a “sale” of personal information, as defined under the CCPA. For more information about these practices, please review the “TECHNICAL INFORMATION, INCLUDING PERSONALLY IDENTIFIABLE INFORMATION” section of the Privacy Policy. Or, for more information about how to opt out of personal information sharing that constitutes a sale under the CCPA, please refer to the “YOUR RIGHTS REGARDING PERSONAL INFORMATION” section below.

Categories of personal information	Categories of sources from which information is collected	Business or commercial purposes for collection, use, and sharing	Disclosed for business purposes to the following categories of third parties
Personal identifiers: such as name, phone number, date of birthday, unique personal identifier, signature, social security number, passport number, or other similar identifiers	All categories listed below	All purposes listed below	All categories listed below
Categories of information described in Section 1798.80(e) of the California Civil Code, such as Social Security number, bank account number, or other financial information	All categories listed below	All purposes listed below	All categories listed below
Characteristics of protected classifications under California or federal law, such as age or gender	All categories listed below	All purposes listed below	All categories listed below
Contact information: name, e-mail, phone number, preferred method of obtaining a phone confirmation code, identifiers in Social Networks; contact details of your representatives	All categories listed below	All purposes listed below	All categories listed below
Information about equipment (devices): data on equipment identifiers, SIM card identifiers, equipment location, cookies, software used in the equipment, technological data provided by the equipment during data transmission (protocols used, IP addresses, etc.), online identifier, email address, account name, or other similar identifiers	All categories listed below	All purposes listed below	All categories listed below
Financial information: such as credit or debit card number, name of the financial institution in which you have an account opened, or other financial information	All categories listed below	All purposes listed below	All categories listed below
Commercial information: such as information about products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	All categories listed below	All purposes listed below	All categories listed below
Network activity data, such as internet or other electronic network activity information, such as browsing history, search history, and information regarding an individual’s interaction with an internet website, application, or advertisement	All categories listed below	All purposes listed below	All categories listed below
Additional information for certain services: credit history, credit rating data, income, expenses, data on the amount of debt (including under financial services contracts), data on your property, loan amounts, and account balances related to requesting financial products and services. Examples include credit card inquiries, and loan inquiries for products such as mortgages, personal loans, etc.	All categories listed below	All purposes listed below	All categories listed below
Geolocation data: such as physical location	All categories listed below	All purposes listed below	All categories listed below
Inferences drawn from the above information about your predicted characteristics and preferences	All categories listed below	All purposes listed below	All categories listed below
Other information about you that is linked to the personal information above	All categories listed below	All purposes listed below	All categories listed below

B. CATEGORIES OF SOURCES

We collect this personal information provided by you directly. In addition, you may direct and enable us to collect personal information you maintain in financial accounts with other third-party financial institutions and similar companies. We may also collect personal information about you (for example, your IP address or information about how you reached our Website) using automated tools as described elsewhere in this Policy and our Privacy Policy .

C. THE BUSINESS OR COMMERCIAL PURPOSE FOR COLLECTING AND DISCLOSER PERSONAL INFORMATION

We use and disclose the personal information we collect for our commercial and business purposes, as further described in this Privacy Policy.

Commercial purposes include, without limitation: marketing, advertising, authentication, identity resolution, fraud prevention, fulfillment services, and fulfilling the requests of our customers.

Business purposes, as identified in the CCPA, include: audits and related activities; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging services and systems; administrative and support services such as processing orders and payments and analytics; internal research and operations; activities to maintain and improve our Services; and other one-time uses.

We disclose the categories of personal information designated above to the following categories of third parties: service providers, business clients, government entities, law enforcement, lawyers, auditors, consultants and other parties as required by law.

D. YOUR RIGHTS REGARDING PERSONAL INFORMATION

California residents have certain rights with regarding the personal information collected by businesses. If you are a Californian, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:

1. For certain categories of personal information, the right to request a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
2. The right to know the categories and specific pieces of personal information we collect, use, disclose and, if applicable, sell about you; the categories of sources from which we collected your personal information; our purposes for collecting or, if applicable, selling your personal information; the categories of your personal information that we have disclosed for a business purpose or, if applicable, sold; and the categories of third parties to whom we have disclosed for a business purpose or, if applicable, sold personal information.
3. The right to request that we delete the personal information we have collected from you.
4. The right tosay no to the sale of your personal information.
5. The right not to receive discriminatory treatment (the right to equal and price) for the exercise of the privacy rights conferred by the CCPA.

E. HOW TO EXERCISE YOUR CALIFORNIA CONSUMER RIGHTS

To Exercise Your Right to Request, Know or Delete

To exercise your California consumer rights to request, know or delete, please send us an email at [email protected] with the subject line “CCPA Request” and the relevant right identified in the body of the email.

To Say No To The Sales of Personal Information

Although we do not currently conduct sales of personal information, California residents may submit a request directing us to not sell personal information we maintain about them if our practices change in the future. To exercise this right, email us at [email protected] with the subject line: “California: Request to Opt-Out.”

F. VERIFICATION PROCESS AND REQUIRED INFORMATION

Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. We will require you to provide information that we have on record for identity verification purposes. In certain circumstances, we may decline a request to exercise the right to know and/or right to deletion, particularly where we are unable to verify your identity.

G. AUTHORIZED AGENT

You may designate an authorized agent to make a CCPA request on your behalf by writing to us at the contact information provided above. To the extent we are unable to verify your identity when you make the designation request, we may request additional information from you. Note, if designating an entity to act on your behalf, the CCPA requires that such entity must be registered with the California Secretary of State.

H. MINORS’ RIGHT TO OPT-IN

We do not sell the personal information of consumers we know to be under 18 years of age.

I. SMALL BUSINESS LOAN INFORMATION

From time to time, you may provide us with your personal information for the purpose of requesting small business loans from one or more of our partners. You agree that the disclosure of your personal information in connection with your request is not a sale of your personal information under the CCPA.