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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, or could reasonably be linked, directly or indirectly, with a particular consumer (“personal information”).
AS A COURTESY, THE FOLLOWING DISCLOSURES INCLUDE INFORMATION THAT IS EXEMPT FROM CCPA. THE COURTESY DISCLOSURES ARE MADE WITH A RESERVATION OF ALL RIGHTS THAT WE HAVE UNDER CCPA.
1.2. How We Obtain Your 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.||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:
1.4. How We Use Your Personal Information:
We may collect, use or disclose the personal information we collect for one or more of the following purposes:
1.5. How Long We Retain Your Personal Information:
Absent contractual requirements in our role as service provider and/or legal requirements to the contrary, such as a legal hold, personal information is maintained for a specified period of time, as required by legal, regulatory, or industry requirements, as well as for business purposes.
1.6. How We May Disclose Your Personal Information:
We may disclose your personal information to a service provider, contractor, or third party. When we disclose personal information to a service provider or contractor, 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/CPRA. We disclose personal information to third parties as follows:
1.7. Sale of Personal Information:
We do not sell your personal information. We do not sell the Personal Information of minors under 16 years of age without affirmative authorization.
1.8. Sharing of Personal Information:
We do not sell your personal information.
Our site is not intended for or directed to minors. We do not knowingly share the personal information of minors under 16 years of age.
2. YOUR RIGHTS UNDER THE CCPA
The CCPA provides (California residents) with specific rights regarding their personal information- the Right to Know, the Right to Delete, the Right to Correct, the Right to Opt-Out of the Sale of Personal Information or the Sharing of Personal Information, The Right to Limit the Use of Sensitive Personal Information, and the Right to Non-Discrimination. This section describes your CCPA rights and explains how to exercise those rights, if applicable.
2.1. Right to Know:
You have the right to request that we disclose certain information to you about our collection, use, and disclosure 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:
2.2. Right to Delete:
You have the right to request that we delete your personal information (“Request to Delete”). Once we receive and verify your Request to Delete, we will 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.
2.3. Right to Correct
You have the right to request that we correct your inaccurate personal information ("Request to Correct"). Once we receive and verify your Request to Correct, we will use commercially reasonable efforts to correct your inaccurate personal information in our records.
2.4. Right to Limit the Use of Sensitive Personal Information
You have the right to direct a business the collects your sensitive personal information to limit its use to uses which are necessary to perform the services or provide the goods reasonably expected. However, we only use Sensitive Personal Information to provide the goods and services requested by you; to prevent, detect, and investigate security incidents; to resist malicious, deceptive, fraudulent, or illegal actions and to prosecute those responsible for such actions; to ensure people's physical safety; to perform services on our behalf; to verify or maintain the quality or safety of our products, services, and devices.
2.5. Right to Opt-Out:
The CCPA gives consumers the right to opt-out of 1) the sale of their personal information, 2) the sharing of their personal information for cross-context behavior advertising, or 3) for use in automated decision making. However, we do not sell or share your personal information.
The CCPA gives consumers the right to opt-out of the use of automated decision-making technology in connection with decisions about the consumer's work performance, economic situation, health, personal preferences, interests, reliability, behavior, location, or movements. However, we do not use automated decision-making technology for personal information that is not covered by FCRA, GLBA, and CalFIPA.
2.6. Right to Non-Discrimination:
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
3. SUBMITTING A REQUEST TO KNOW, request to delete, OR REQUEST TO correct
3.1. How to submit a Request:
To make a Request to Know, Request to Delete,or Request to Correct, please contact us by either:
Calling us at 844-200-6413
Visiting Submit a CCPA/CPRA Request
Making a Request to Know, Request to Delete or Request to Correct 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, or 2) a person authorized by you to act on your behalf may make a request related to your personal information. You may also make a request on behalf of your minor child.
3.2. Authorized Agents:
Before we can respond to a Request to Know, Request to Delete or Request to Correct 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:
3.3. Response Timing and Delivery Method:
We will acknowledge receipt of a Request to Know, Request to Delete, or Request to Correct within 10 business days, and will respond within 45 days. 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. The response we provide will also explain the reasons we cannot comply with a request, if applicable.
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.
4. dO not track signals
Do Not Track is a web browser setting that requests websites and applications to disable their tracking of an individual user. Our site does not honor Do Not Track settings in your browser.
6. sOCIAL media
We encourage you to review your privacy options and settings with the social media platforms and networks you use to understand what choices you have about sharing information from those platforms and networks with us.
7. HOW TO CONTACT US
If you have any questions or comments about these disclosures and policy, the ways in which we collect, use, or disclose your personal information, your rights regarding your personal information, 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:||Emptyprivacy@risecredit.com|
P.O. Box 101808
Fort Worth, Texas 76185
Version 3.0 – Effective Date 12/13/2022