How we may use the information we obtain from you, including your rights and our commitments.
The term “Us” or similar refers to any company part of the Crediterium group and collectively, all of its subsidiaries.
This privacy policy (the “Policy” or “Privacy Policy”) stated below is intended to replace and supersede any privacy policy previously delivered to you or appearing on our website, any transaction agreement, application, loan document or any other document previously delivered to you. If there are conflicts between this Policy and any other policy, we have delivered to you, the terms of this Policy shall control until revised. We will post any privacy policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of privacy policy changes). Please be sure to review The Terms and Condition of the Use of this Website.
This notice provides important information about the way we collect, share, and protect your information. This privacy policy applies to anyone who applies for or uses our products or services, or visits our websites, including, but not limited to, current and former users. This statement shall describe our sharing practices when you become a user of the website.
Purpose
The purpose of this Privacy Policy is to describe how we collect, use and share information about you through our interfaces (e.g.: websites and mobile applications) owned and controlled by us, including this website accessed through any URL provided by us or any third party (collectively referred to herein as the “Website”). Please read this notice carefully to understand what we do. If you do not understand any aspects of our Privacy Policy, please feel free to contact us.
This Website
This Privacy Policy applies only to information we collect at and through the Website. Our Website may also contain links to third party sites that are not owned or controlled by us; and we are not responsible for the privacy practices of such other sites. Please be on notice that when you leave our Website you should review the privacy statements of each and every website that collects personal information. Please note that your use of our Website is also subject to our Terms and Conditions).
Information that the company collects
We collect personal identifiable information (“PII”), including, but not limited to, non-public personal information that you provided as well as other types of personally identifiable information from you and from other sources as described herein which may include your name, address, telephone number, email address, social security number, date of birth, employment information, your bank account information, etc. (collectively, “Your Information”). Our primary goal in collecting your Information is to assist with positvely identifying you to ensure loan applications we receive are real and made in good faith. Your Information also guides our underwriting process and allows us to determine whether we will be able to service your loan application. We also may use Your Information to personalize and improve your customer experience with Us.
In addition, we may use Your Information to accommodate and assist in your request to access to direct lenders and third party service providers for products and services you are or may be interested in. This may include sharing Your Information with non-affiliated third parties. Please note that third parties that receive Your Information maintain their own privacy policies and policies regarding information sharing and you should contact those third parties directly regarding their policies and to limit their sharing of Your Information.
In addition, We may collect and/or track the following types of information: (i) Information we receive from you on applications or other forms, such as transaction documents, bank statements, employment verification forms, sales documents, online forms, e-mails, registration forms, surveys, or other documents or submissions related to the products and services we provide, including your name, address, telephone number, social security number, driver’s license number, email address, employment information, demographic information, bank account information, and information about your assets, debts and income, (ii) information about your transactions with us, our affiliates such as your account history, transaction balances, payment history, overdraft history, parties to transactions, and your reasons for doing business with us; (iii) information we receive from third parties, such as consumer reporting agencies and other lenders, regarding your credit worthiness and credit history, and to verify your identity; (iv) information we obtain to verify representations made by you, such as your employment history or income; (v) Information obtained from home server domain names, IP address, type of client computer, and type of Web browser; (vi) Information you provide via email, documents or online application or to any representatives.
Information You Provide to Us: We collect information you provide to us, for example when you create or modify your account, register to use our Website, purchase products or services from us, request information from us, contact customer support, or otherwise communicate with us. This information may include: Name; Home address; Email address; Home, work; and mobile telephone numbers; Credit card number; Bank and/or other account numbers; Date of Birth; Social Security Number; Driver’s License or other national, state, or government ID numbers; and Salary and other financial information. If information is provided to a third-party website, it may be collected by us.
Information We Collect Automatically: Location Information and Your Internet Protocol (IP) address.
Information Collected Through Cookies and Similar Technologies: We and our service providers may use cookies, web beacons, and other technologies to receive and store certain types of information whenever you interact with our Website through your computer or mobile device. A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the Website again, the cookie allows the Website to recognize your browser. Cookies may store unique identifiers, user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some Website features or services may not function properly without cookies. We use cookies to improve the quality of our service, including for storing user preferences, tracking user trends, identify and prevent fraud; and providing relevant advertising to you.
No Information From Children Under Age 18: If you are under the age of 18, please do not try to register with us at this Website or provide any personal information about yourself to us. If we learn that we have collected personal information from a child under the age of 18, we will promptly delete that information.
How the Company uses and shares your information
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To Provide Products, Services, and Information. We collect information from you so that we can provide loan products and services that you apply for using the Website, provide information that you request from us, and setup your online account so you can manage your account details online. We may use your personal information to contact you about your account, evaluate your credit, underwrite your loan, fund your loan, make payments on your loan, and to setup your online account. We may send you information about our products and services, and new offerings.
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Traditional and Alternative Credit Bureaus. We may share your information about you and your account to credit reporting agencies and bureaus. This may include both on-time and late payment, missed payment, or other defaults on your account, and this information may be reflected on your credit history and or report.
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Sharing with Third Parties. We may provide information to third party service providers that help us operate and manage our Website. These service providers will have access to your personal information in order to provide these services, but when this occurs, we implement reasonable contractual and technical protections to limit their use of that information to helping us provide the service with the minimum possible disclosure of Your Information.
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Advertising. We may use how you browse and shop in order to show you ads for products or services that are more relevant to your interests. We may use cookies and other information to provide relevant interest-based advertising to you. Interest-based ads are ads presented to you based on your browsing behavior in order to provide you with ads more tailored to your interests. These interest-based ads may be presented to you while you are browsing our site or third-party sites not owned by the Company.
Your consent
In addition to the sharing described elsewhere in this Policy and in your loan documents, your personal information may be shared with companies, organizations or individuals outside of the Company when we have your consent to do so.
Information access and your choices
For any questions or requests about personal information you may have or to update your information, please contact the Company at the number or email provided in the Contact us page. You have the ability to opt-out of receiving marketing and promotional e-mails from the Company by choosing the opt-out or unsubscribe feature contained in any marketing emails we sent directly or through our partners.
Account Closure
If you have paid off your balance in full you can close your account at any time. You can ask for your account be closed through email, phone, U.S. mail. If you close your account, certain information may be retained by the company for compliance, marketing or advertisement purposes. Also, a copy of the information is maintained for record keeping purposes, and to avoid identity theft or fraud.
Notice of furnishing negative information
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS OR CREDIT REPORTING AGENCIES. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT OR OTHER REPORTS THAT CONTAIN INFORMATION ABOUT YOUR CREDIT, CREDIT HISTORY OR PAYMENT HISTORY
Email, communications and telemarketing
By registering, using or submitting Your Information on this Website, you may receive emails or calls on your mobile number in response to your information provided that you gave your express consent to receive calls. You expressly acknowledge that Company may provide Your Information to Third Parties for promotional offers and marketing by email or telemarketing calls. We may advertise, directly or indirectly, to you using telephones and cell phones even if your telephone number or cell phone number is maintained on a state or federal do not call registry.
By using our Website, you agree that such usage and requests for products and services constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 CFR §310 et seq. (the “ATSR”) or the Telephone Consumer Protection Act as amended (TCPA). Also, you authorized us to contact you via telemarketing in accordance with the ATSR or TCPA.
Information security
We use physical, technical and administrative security measures and safeguards to ensure the confidentiality, integrity and availability of your personal information that meet or exceed industry standards. However, no measure of security is 100% secure, the Company does not guarantee the security of any information you transmit to us. It is possible that information may can be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. You are encouraged, and it is your responsibility, to protect the security of your login and password information.
Legal matters
We will share personal information with third party companies, organizations or individuals outside of the Company if we have a good-faith belief the disclosure, use or access to the information is reasonably necessary to: (i) Meet any applicable law, regulation, subpoena, legal process or enforceable governmental request. (ii) Enforce applicable Terms of Use, including investigation of potential violations., (iii) prevent, discover or find out fraud, security or technical issues, or; (iv) Protect against harm to the rights, property or safety of the Company, our users, customers or the public as required or permitted by law.
Please feel free to contact us with any questions: If you have any questions, concerns, complaints or suggestions regarding our Privacy Policy or otherwise need to contact us, please contact us at the email or number provided in the Contact Us section of this website.
