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Effective January 1, 2021
The state of California requires that we provide privacy information for individuals that reside in California. If you do not reside in California, you can skip this document.
Below is the legal information we are required to share:
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual consumer or device (“personal information”).
|Directly from you.||
You enter or provide us with information, whether online or by email, phone or document upload.
For example, your contact information that you provide, your application for a loan, or documents you provide to verify your identity.
|Directly and indirectly from you based on activity on our website.||For example, from submissions through our website or website usage details collected automatically.|
|From service providers, vendors, and third-parties that interact with us in connection with the services we perform.||For example, companies that work with us to market our products to you, lending partners and affiliates to provide the financial product you request, credit reporting agencies from which we check your credit in connection with a submitted application, or other service providers, and vendors that provide data we use in underwriting or in protecting you and our products from fraud and identity theft.|
In the last 12 months, we collected the following categories of personal information:
We may use or disclose the personal information we collect for one or more of the following purposes:
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may disclose your personal information to a service provider or third party for a business or commercial purpose. When we disclose personal information to a service provider, we enter a contract that describes the purpose and requires the service provider to both keep that personal information confidential and not use it for any purpose except performing the contract or as otherwise permitted under the CCPA. Examples of who we share with include:
We do not sell your personal information. We do not sell the Personal Information of minors under 16 years of age without affirmative authorization.
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (“Request to Know”). Once we receive and verify your Request to Know, we will disclose to you either:
We may deny your Request to Know if we are unable to verify your identity or have reason to believe that the request is fraudulent.
We will only respond to a Request to Know twice in a 12-month period.
You have the right to request that we delete your personal information, subject to certain exceptions (“Request to Delete”). Once we receive and verify your Request to Delete, we will delete (and direct our service providers and third parties to delete) your personal information from our records, unless an exemption or exception applies.
We may deny your Request to Delete if retaining the personal information is necessary for us or our service providers to:
Additionally, we may deny your Request to Delete if we are unable to verify your identity or have reason to believe that the request is fraudulent.
The CCPA provides consumers with the right to opt-out of the sale of your personal information. However, we do not sell your personal information. We do not sell the Personal Information of minors under 16 years of age without affirmative authorization.
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
To make a Request to Know or a Request to Delete, please contact us by either:
Making a Request to Know or Request to Delete does not require you to create an account with us. However, if you already have an existing online account, we will require you to log in to submit a request.
Only 1) you, 2) a person authorized by you to act on your behalf, or 3) an entity registered with the California Secretary of State and authorized by you to act on your behalf, may make a Request to Know or Request to Delete related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a Request to Know twice within a 12-month period.
A Request to Know or Request to Delete must:
Before we can respond to a Request to Know or Request to Delete submitted by an authorized agent, we need to confirm not only that person or entity’s authority to act on behalf of a consumer and verify the identity of the authorized agent. If you are authorized to submit a request on behalf of a California resident, please email us at email@example.com and provide the following information:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a Request to Know or Request to Delete to verify the requestor's identity or authority to make the request.
We will acknowledge receipt of a Request to Know or Request to Delete within 10 business days of its receipt. We will respond to a request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding our receipt of the request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For Requests to Know specific pieces of personal information, we will provide the responsive information in a portable and, to the extent technically feasible, in a readily useable format that allows you to transmit the information to another entity without hindrance.
We do not charge a fee to process or respond to your request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Do Not Track is a web browser setting that requests websites and applications to disable their tracking of an individual user. Our site honors Do Not Track settings in your browser.
If you interact with us on social media and to understand your choices, please review the privacy options and settings on those platforms.
If you have any questions or comments about this policy, the ways in which we collect and use your personal information, your rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
|Privacy Support Phone:||(844) 200-6413|
|Privacy Support E-Mail:||firstname.lastname@example.org|
P.O. Box 101808
Fort Worth, Texas 76185
Version 2.0 – Effective Date 1/1/2021