Effective: March 15, 2021
The Information We Collect
The App collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users of its app.
Personally Identifiable Information
The App collects Personally Identifiable Information when you provide it through your use of the App, such as by completing one or more stages of an online application (an “Application”) requesting a loan offer from a lender participating in the App’s lender network (a “Lender Partner”) or by sending questions to the App via the email. The types of Personally Identifiable Information the App collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of pay checks, and information about your banking account.
Non-Personally Identifiable Information
The types of non-Personally Identifiable Information that the App collects (either directly, through the use of “cookies,” or through the use of a third party tracking system) include: the IP address of the device making the request; your device type and language; access times; information about areas of the app visited by users of the app; information about the pages that users may select to visit on the app. IP addresses are not usually associated with your personal device, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information an app sends to your device while you are viewing an app to remember who you are without personally identifying you.
The App may share this non-Personally Identifiable Information with its suppliers and other third parties for the purpose of app statistical and trend analysis. This information is not linked to any Personally Identifiable Information.
Information Collected by Third Parties
The App may allow third parties, including advertising partners and personal loan lenders, to display advertisements on the App. These companies may use tracking technologies, including cookies, to collect information about users of the App who view or interact with these advertisements. The App does not provide Personally Identifiable Information to these third parties.
How We Use Personally Identifiable Information
The App uses the Personally Identifiable Information you provide through the App in order to deliver the products or services you have requested; provide you with customer support; communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products or services that may be of interest to you either from the App, Lender Partners, other third party lenders, the App’s marketing partners, or other third parties; display advertising tailored to your interests or background; perform data and statistical analysis on use of the app; enforce the App’s terms and conditions, and perform any other functions otherwise described to you at the time the App collects the information.
The App may review and use your financial information and your social security number to connect you with Lender Partners or other third party lenders with whom the App has a business relationship. The App may also review your financial information and social security number to verify your identity and protect against possible fraudulent transactions.
Sharing Your Personally Identifiable Information
The App may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Lender Partners and other third party lenders with whom the App has a business relationship. These third party lenders may use your Personally Identifiable Information to offer you a personal loan or to communicate with you about other business or marketing offers. In addition, the App may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom the App has a business relationship.
Any third parties with whom the App shares Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once the App has transferred or shared it with those third parties as described in this Policy or the App’s Terms and Conditions.
The App will disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. The app will disclose your Personally Identifiable Information when the App believes disclosure is necessary to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing; to protect and defend the rights, property, or safety of the App’s parent company, its employees, its users, or others; or to enforce the Terms and Conditions or other agreements or policies.
In addition, the App may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.
Links to Third Party Sources
The App’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at the app’s sole and absolute discretion. Changes to this Policy will be posted in the App and the App will revise the “Effective” date at the top of this policy. You should review this Policy each time you access the App. If the App makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, the App will notify you by prominently posting notice of the changes in this app.
The App is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. The App does not knowingly collect Personally Identifiable Information from children under the age of 18.
The App has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information the App collects. For example, only authorized employees and authorized third parties are permitted to access Personally Identifiable Information, and they may do so only for permitted business functions. No app or Internet network can be completely secure. Although the App takes steps to secure your information, the App does not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to the Personally Identifiable Information that the App has collected about you through your use of the App, please contact the App by writing or sending email to the addresses below.
Privacy Rights of California Residents
Companies that collect Personally Identifiable Information from California residents and disclose such information to third parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her information shared with third parties. The App has elected the second option, and you may opt out by completing one or more forms on our Opt Out page at http://www.optout-cpwh.net/o-cpwh-j53-9ff02092a7251ecbb8962c68939174ea.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected]
If you have questions, comments, or concerns regarding our Privacy Statement, please contact us at [email protected]
MSB FINANS, TOV