1. What we collect. We may collect your name, email address, phone number, date of birth, residential information, employment details, income, financial information, application details and other information you voluntarily provide when requesting or using financial services.
2. Why we collect it. We use your information to process applications, provide financial services, verify eligibility, respond to questions, maintain records, improve our services, prevent fraud, protect security and meet applicable legal and regulatory requirements.
3. Financial information. Depending on the service you request, we may collect information about income, employment, assets, debts, credit history, banking information, transactions and other financial details. We only use this information for legitimate business, service, security or legal purposes.
4. Information from other sources. With appropriate authorization or where legally permitted, information may be received from credit reporting agencies, financial institutions, identity verification providers, insurers, lenders, business partners and other authorized sources to help process applications and prevent fraudulent activity.
5. How we use your information. Your information may be used to evaluate applications, provide requested products, manage transactions, communicate important updates, personalize relevant services, improve customer experiences, investigate suspicious activity and comply with applicable federal and state requirements.
6. No hidden profiling. We do not use your personal information for undisclosed purposes. Where automated systems or analytical tools are used to support eligibility, security, fraud prevention or service decisions, their use will be subject to applicable laws and required consumer protections.
7. Who may receive it. Information may be shared with lenders, insurers, financial institutions, payment providers, technology companies, verification services, professional advisers and other service providers when reasonably necessary to deliver requested services or fulfill legal and regulatory obligations.
8. We do not sell your information. We do not sell personal information for monetary consideration. Information may be shared with carefully selected service providers for legitimate operational purposes, including processing applications, providing requested services, maintaining security and supporting financial transactions.
9. How we protect it. Reasonable administrative, technical and physical safeguards may be used to protect personal information. These measures can include encryption, authentication controls, restricted access, monitoring, secure hosting environments and other security practices appropriate to the nature of the information.
10. Cookies and online technologies. Websites may use cookies, pixels, analytics tools and similar technologies to remember preferences, understand website usage, improve performance, maintain security and provide relevant functionality. Certain choices regarding non-essential technologies may be available depending on applicable state privacy laws.
11. How long we keep information. We retain personal information only for as long as reasonably necessary for legitimate business purposes, requested services, recordkeeping, fraud prevention, dispute resolution and applicable federal or state legal and regulatory requirements.
12. Your privacy rights. Depending on where you live, you may have rights to access, correct, delete, obtain or request information about how your personal information is processed. Certain rights may be subject to identity verification, legal exceptions and other limitations allowed under applicable law.
13. State-specific rights. Privacy rights can vary across the United States. Residents of certain states may have additional rights concerning access, correction, deletion, portability, targeted advertising, profiling or certain disclosures of personal information, subject to applicable statutory exceptions.
14. California residents. California residents may receive additional privacy protections under applicable California law. Depending on the circumstances, these may include rights to know, access, correct, delete or opt out of certain uses or disclosures of personal information, subject to applicable exceptions.
15. Credit information. When permitted and authorized, we may obtain information from consumer reporting agencies to evaluate applications or provide requested services. Credit information may be handled according to applicable federal laws, including requirements governing consumer reporting and permissible uses.
16. Identity verification. We may request identification or additional information to confirm your identity, protect your account, prevent identity theft and comply with applicable financial regulations. Verification may involve government identification, authentication tools, databases or authorized third-party verification services.
17. Fraud and security. Personal information may be used to identify suspicious applications, unauthorized activity, identity theft, account misuse and other security risks. Fraud prevention may involve automated monitoring, transaction analysis, identity verification and information received from authorized financial or security providers.
18. Communications. We may send communications relating to applications, transactions, security alerts, account activity, requested services and important updates. Promotional communications will be handled according to applicable consent and opt-out requirements, and you may have choices regarding certain marketing messages.
19. Third-party websites. Our services may contain links to websites or applications operated by independent third parties. Those services may have their own privacy policies and security practices. We encourage you to review their policies before providing personal information through an external website or application.
20. Children's information. Financial services are generally intended for adults and are not directed toward children. We do not knowingly collect personal information from children in violation of applicable law. If information is identified as improperly collected from a child, appropriate steps may be taken.
21. Legal disclosures. Information may be disclosed when required or reasonably necessary to comply with applicable federal, state or local law, respond to lawful requests, satisfy regulatory obligations, investigate fraud, enforce agreements or protect the rights, property or security of individuals and organizations.
22. Business transfers. Personal information may be transferred as part of a merger, acquisition, restructuring, financing, sale of assets, bankruptcy proceeding or similar business transaction. Any permitted transfer will remain subject to applicable privacy obligations and protections appropriate to the information involved.
23. Data accuracy. We rely on information provided by you and authorized sources to provide accurate financial services. You should keep your information current and notify the appropriate service provider when important information changes or when you believe information associated with your application or account is inaccurate.
24. Your choices. Where applicable, you may choose whether to receive certain promotional communications, manage certain browser or cookie settings, or exercise privacy rights provided by state law. Some choices may not apply where processing is necessary to provide requested financial services or satisfy legal obligations.
25. Changes to this policy. This Privacy Policy may be updated when services, technology, privacy practices, laws or regulatory requirements change. Any revised version will apply according to its stated effective date. We encourage you to review this policy periodically so you understand how personal information is handled.