California Consumer Privacy Act (CCPA) Policy
The Company makes the following disclosures pursuant to the CCPA. California consumers have the right to request a disclosure of what categories and specific pieces of information were collected on them, the categories of sources from which the information was collected, the business purposes for collecting or selling the information, and the categories of third parties to whom the information was shared. If the Company sells or shares personal information for a business purpose, California consumers have the right to request a disclosure of the categories of personal information collected on them, the categories of personal information sold or shared, the categories of information disclosed for a business purpose, the categories of buyers of the information, and what categories of personal information were sold or shared to which categories of buyers. You may submit a request at this link. If you submit a request, the Company will compare the information you provide to Company records to verify it and respond to your request accordingly. The information you must provide includes your name, email address, physical address, and telephone number. Some information collected on California consumers is considered sensitive personal information; the Company restricts use of this information to reasons expressly permitted by the CCPA, and as such, a consumer’s right to restrict the use of that information is inapplicable. California consumers have the right to request correction of inaccurate personal information maintained by the Company. California Consumers have a right to request deletion of their personal information collected by the Company. You may submit a request at this link. California consumers have the right not to be discriminated against by a business on account of their exercise of any of these rights. The Company provides a webpage with information and a pathway for California consumers to exercise these rights under the CCPA at the following link: CCPA Request Form. If you submit a request, the Company will compare the information you provide to Company records to verify it and respond to your request accordingly. The information you must provide includes your name, email address, physical address, and telephone number. An authorized agent can submit a request on your behalf by providing additional written information substantiating the agent/principal relationship after using the toll-free number request submission method.
The categories of personal information collected on California consumers in the past 12 months includes: name, address, signature, telephone number, internet protocol address, email address, account name, social security number, birthdate, education information, driver’s license or state identification information, bank information, credit information, employment-related information, employment eligibility information, internet and network information, geo-location data, character and reputation information, Office of Foreign Assets Control records, biographical and personal history information, and inferences drawn from this information. The categories of sources from which consumer information is collected are consumer-generated applications for Company services, cookies and metadata from online user sessions, lending partners, lead generators, and consumer reporting agencies. The business purposes for collecting, selling, and sharing personal information include processing credit applications, servicing accounts, collection on accounts, and providing the best customer experience. The categories of personal information of California consumers sold or shared in the past 12 months includes: name, address, telephone number, email address, credit information, and inferences drawn from this information. These categories of information may be sold or shared to Company lending partners, debit card companies, check cashing service companies, money transfer companies, data research firms, and other financial institutions. These categories of information may be sold or shared to Company lending partners for business purposes such as servicing, facilitating consumer communications, marketing, and processing transactions. The categories of personal information of California consumers disclosed for a business purpose in the past 12 months includes: name, address, signature, telephone number, internet protocol address, email address, account name, social security number, birth date, education information, driver’s license or state identification information, bank information, credit information, employment-related information, employment eligibility information, internet and network information, geo-location data, character and reputation information, Office of Foreign Assets Control records, biographical and personal history information, and inferences drawn from this information. These categories of information may be disclosed to Company lending partners for business purposes such as servicing, facilitating consumer communications, marketing, and processing transactions. The Company does not sell or share personal information of minors under 16 years of age.
California consumers have the right to opt out of the sale of their personal information. The Company provides a webpage with information and a pathway for California consumers to exercise this right to opt-out under the CCPA at the following link: CCPA Request Form.
Note that certain information is exempt from the requirements of the CCPA, including information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulations, or the California Financial Information Privacy Act. These exemptions may impact the Company’s actions in response to consumers who exercise the rights set forth above. Despite any actions taken by the Company and inferences drawn from those actions, the Company reserves its rights to act in accordance with these exemptions. An authorized agent may submit a request on behalf of a California consumer. To do so, the agent must initiate the request by submitting an inquiry through the Company feedback form, including a statement the agent intends to submit a CCPA request form on behalf of another person. The agent will be prompted to provide additional documentation showing they have authority to make the request on behalf of the consumer. If accepted, the agent may make the submission through the CCPA request submission page. For more information on the CCPA, you can ask a question on the Company feedback form.
Policy Updates
This Policy is effective as of January 2023. We will notify you of any changes to this Policy by posting a notice on our homepage. Any changes will be effective as soon as they are published on our sites.