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Effective November 18, 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 may disclose your personal information to a service provider or third party. 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 (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, 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:
We may deny your Request to Know if we are unable to verify your identity, have reason to believe that the request is fraudulent, or the information requested is subject to an exemption including but not limited to the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA).
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 (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 firstname.lastname@example.org and provide the following information:
We will acknowledge receipt of a Request to Know or Request to Delete within 10 business days of its receipt, 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. 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.
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.
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.
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:||Empty email@example.com|
P.O. Box 101808
Fort Worth, Texas 76185
Version 3.0 – Effective Date 11/18/2021