We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:
We may collect the following Personally Identifiable Information that you voluntarily provide to us:
We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:
We may obtain Personally Identifiable Information from other sources, such as lead generators and information about your credit profile or other information from Experian, TransUnion, Equifax, and Lexis Nexis. We also use third-party providers to obtain contact information in order to market certain of our Services via email or on social media platforms.
In some cases, we may receive certain Personally Identifiable Information from you about a third party. For example, as part of our registration process, you may provide the first and last name, home address, email address, personal phone number, social security number, and date of birth of your co-applicant. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy.
We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Services and Site, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:
We may share the information that we collect about you in the following ways:
2. COOKIES AND OTHER TRACKING TECHNOLOGIES
How We Use Cookies
Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively, “Cookies”). “Cookies” are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets).
We use Cookies to:
- Estimate audience size and usage patterns;
- Understand and save your preferences for future visits, allowing us to customize the Site and Services to your individual needs;
- Advertise new content and services that relate to your interests;
- Keep track of advertisements and search engine results;
- Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future; and
- Recognize when you return to the Site.
We set some Cookies ourselves and others are set by other entities. We use Cookies set by other entities to provide us with useful information to help us improve our Site and Services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use Cookies from Google and other similar companies.
How You Can Opt-Out of Cookies
Browser Settings
Cookies can be blocked by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.
You can find out more about Cookies and how to manage them by visiting
www.allaboutcookies.org.
Platform Controls
You can opt out of Cookies set by specific entities by following the instructions found at these links:
Advertising Industry Resources
You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the
Network Advertising Initiative’s website or the
Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the
Network Advertising Initiative’s Mobile Choices website.
Please note that these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.
Google Analytics
We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.
Google reCAPTCHA
We use Google reCAPTCHA, a free service provided by Google, Inc., to protect our Site from spam and abuse. Google reCAPTCHA uses advanced risk analysis techniques to decipher humans and bots. Google reCAPTCHA works differently depending on what version is deployed. For example, you may be asked to check a box indicating that you are not a robot or Google reCAPTCHA may detect abusive traffic without user interaction. Google reCAPTCHA works by transmitting certain types of information to Google, such as the referrer URL, IP address, visitor behavior, operating system information, browser and length of the visit, cookies, and mouse movements. Your use of Google reCAPTCHA is subject to Google’s Privacy Policy and Terms of Use. More information as to Google reCAPTCHA and how it works is available here.
Hotjar
We use Hotjar on the desktop Site in order to better understand our users’ needs and to optimize the service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g., how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device’s IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our Site. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For more information, please view Hotjar’s privacy page by clicking
here.
3. THIRD PARTY PROCESSORS
To ensure that your Personally Identifiable Information receives an adequate level of protection, we have put in place appropriate procedures with the service providers we share it with to ensure that it is treated consistent with applicable data security and privacy laws.
For example, we use Cash Flow Solutions, Inc. d/b/a RIBBIT.AI (“RIBBIT”) to enable us to connect with your bank accounts and we use ACI Worldwide to enable you to make online loan payments. RIBBIT’s privacy policy is available
here and ACI’s privacy policy is available
here.
We also use third-party processors, for example, to prevent fraud, to facilitate recruitment and our careers page, for cloud storage services, to conduct surveys, and to provide other Services to you.
4. "DO NOT TRACK" SIGNALS
Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.
5. CHOICES ABOUT YOUR PERSONALLY IDENTIFIABLE INFORMATION
Review and Request Changes to Your Personally Identifiable Information
Keeping your account information accurate and up to date is very important. To review or request changes to any of your Personally Identifiable Information, please contact customer service at (833) 907-1734 or contact your
local branch.
Marketing Communications
To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. This will not affect subsequent subscriptions and if your opt-out is limited to certain types of e-mails the opt-out will be so limited. If you subscribe to text messages from us, you can terminate a particular text message subscription by reply texting “STOP.” Subsequent or different subscriptions will be unaffected. Please view our
Text Message (SMS) Terms of Use for more information. Please note that we reserve the right to send you certain communications relating to your account or use of our Site, such as administrative and service announcements and these transactional account messages may be unaffected if you choose to opt-out from receiving our marketing communications.
Mobile Application Permissions
Push Notifications
Upon download of the mobile application, you were provided the option to opt-in to receiving notifications that may include alerts, sounds, and icon badges. These push notifications or in-app messages consist of operational messages regarding your account(s) (e.g., payments), they do not include promotional messages. Push notifications can be configured in settings on your mobile device.
Biometric Login
Rather than entering your username and password, the mobile application supports biometric authentication on certain devices. To setup biometric authentication, go to settings on your mobile device. You can then enable or disable biometric authentication within the settings of the mobile application. We do not have access to your biometric data.
6. SECURITY
We maintain commercially reasonable security measures to protect the Personally Identifiable Information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personally Identifiable Information, we cannot guarantee absolute security.
7. THIRD PARTY LINKS
The Site and Services may contain links that will let you leave the Site and Services and access another website. Linked websites are not under our control. This Privacy Policy applies solely to Personally Identifiable Information that is acquired by us on this Site and Services. We accept no responsibility or liability for these other websites.
8. CHILDREN’S PRIVACY
The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.
9. HOW TO CONTACT US
For questions or concerns about our privacy policies or practices please
contact us.