Last Updated / Effective Date: August 11, 2026
Table of Contents
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We Collect Personal Information
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Types of Personal Information We May Collect
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How We Use Personal Information
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How We Disclose Personal Information
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Sales or Sharing of Personal Information
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Retention of Personal Information
- Children’s Privacy
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Links to Third-Party Websites
- Information Security
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Cookies and Similar Technology
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Your Marketing Preferences
- Privacy Rights
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Use of Automated Decisionmaking Technology / Profiling
- Updates to the Policy
- Contact Us
This (“Policy”) describes how Katapult Holdings, Inc.; including our
affiliates and corporate entities listed
here, as well as our service
providers, agents, or other third parties acting on our behalf (collectively
“Company,” “we,” “our,” or “us”); collects, uses, and discloses information
when a person interacts with us online or offline, such as visiting one of our
locations, obtaining one of our products or services, using any of our
websites or our mobile applications that link to this Policy, or otherwise
interacting with us in a personal or business capacity (collectively,
“Services”). This Policy describes the types of information we collect, how we
use and disclose that information, how we protect that information, choices
regarding that information, and how to contact us with any questions.
If you apply for or obtain a financial product or service from us, we will
collect, use, and disclose any information that we collect from or about you
in connection with that financial product or service in accordance with our
financial privacy notice available
here, which offers you certain choices with respect to the use and disclosure of
your nonpublic personal financial information.
Our Services are intended solely for users in the United States and
Canada. If you are located outside of the United States and Canada and are
accessing our Services, your personal information as described in this
Policy will be processed and stored in the United States, and the laws in
the United States may not be as protective of personal information as laws
in your resident country. If you do not agree with the processing of your
personal information in the United States, or you do not otherwise accept
this Policy or any terms applicable to the Services, please discontinue
your use of the Services.
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How We Collect Personal Information
For purposes of this Policy, personal information means information that
identifies a particular individual.
We may collect personal information from the following categories of sources:
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From you. We may collect personal information and
other information that you provide to us directly, such as when you visit
one of our locations (e.g., if you interact with one of our sales
representatives or use in-store technology), apply for or obtain one of our
Services or otherwise enter into a transaction or contractual agreement with
us, sign up for our newsletters, create an online account, join one of our
membership programs, fill out a form to contact us, interact with our
chatbot or otherwise communicate with us, enroll in automatic payments,
visit our social media pages, call us, enter a promotion, have a business
relationship with us, participate in one of our events, are referred to us
from a third party, or otherwise use our Services or interact with us.
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Automatically when you interact with us online. Certain
information may be collected from you automatically when you access and use
the Services online. For example, we and third parties may use tracking
technologies, such as cookies, web beacons, web server logs, or other
technologies to collect or store usage information based on your device
identifier. This information may be stored or accessed using a variety of
technologies when you interact with the Services.
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From third parties and publicly available sources. We
may collect personal information from third parties, such as credit bureaus,
credit reporting service providers, lead providers, data brokers,
advertising networks, social media platforms, data analytics providers, or
identity verification services; our affiliates; or public sources,
including, but not limited to, websites that enable social sharing, social
media sites, or third-party websites. If you provide personal information to
us regarding others, we rely on you to obtain their consent to disclose
their personal information to us and inform them about our privacy
practices, including how they may contact us.
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Types of Personal Information We May Collect
We may collect the following categories of personal information:
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Identifiers, such as a real name, alias, home address, work
address, unique personal identifier (such as a device identifier; cookies,
beacons, pixel tags, mobile ad identifiers, or similar technologies;
customer number, unique pseudonym, or user alias; telephone number or other
forms of persistent or probabilistic identifiers), online identifier, IP
address, email address, account name, Social Security number, signature,
physical characteristics or description, state identification card number,
financial account numbers, or other similar identifiers.
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Biographic and demographic information, such as date of
birth, age, gender, photo, disability status, or veteran or military status,
citizenship status, some of which may be characteristics of protected
classifications under applicable law.
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Financial and payment information, such as credit card
details, financial account information, or information about income, assets,
credit history, or payment preferences. For loan applications, we may
collect additional financial information such as primary source of income,
pay frequency, use of direct deposit, date of most recent paycheck, or other
primary income payment information or estimated monthly or pay period
expenses.
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Commercial information, such as records of personal
property (for example, vehicle information if used to secure a loan);
products and Services purchased, obtained, or considered; payment histories,
receipts, or balances in connection with Services; or other purchasing or
consuming histories or tendencies.
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Account information, such as a user name and password,
profile details, or feedback and reviews about our Services.
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Internet and other electronic network activity information,
such as information we collect when a person accesses and interacts with our
Services, including browser or device model and settings, operating system,
UDID or other unique identifiers related to a device, device
characteristics, hardware information, clickstream data and information
about preferences, cookies and localStorage, browsing history, search
history, web-based location, IP address, browser information, mobile network
information, or any other Internet usage information our Services may
automatically record when you visit. For more information about cookies and
similar technologies, please refer to the “Cookies and Similar Technologies”
section below.
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Geolocation, including general location information (e.g.,
IP address, city/state, or postal code associated with an IP address) and
precise geolocation information from devices enabled with location-based
services.
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Biometric information, such as faceprints or fingerprints.
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Professional information, such as information about job
function and role, title, professional affiliations, employer, employment
history, or any other information that may be obtained from third-party
background checks and feedback.
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Educational information, such as institutions attended or
degrees conferred.
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Audio, visual, electronic, and similar information, such as
CCTV footage at our physical locations or call recordings of telephone
communications.
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Other personal information you provide, such as the content
in your communications with us online, in-person, or on the telephone.
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Inferences, which are drawn from any of the personal
information identified above to create a profile, for example, reflecting
preferences.
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Sensitive personal information, such as Social Security
number, driver’s license number, passport number, other government-issued
identification number, account log-in credentials, precise geolocation,
biometric information, racial or ethnic origin, citizenship or immigration
status, medical history or condition, or status as a victim of crime.
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How We Use Personal Information
We may use personal information for the following reasons:
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To provide our products and Services, including to verify identity,
determine eligibility to enter into a transaction, process payments, or
fulfill and track purchases and other transactions.
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To enforce contractual and payment obligations, including repossessing items
for accounts in default and collecting fees and account balances.
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To deliver communications, such as when responding to inquiries and sending
other communications, including our newsletter; regarding our products and
Services; about an application for Services; use of our “click-to-chat” or
equivalent functionality for customer service purposes; or promotions
offered, such as sweepstakes, contests, special events, or other events.
This may also include when we send administrative e-mail notifications, such
as security or support and maintenance advisories.
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To market products and Services, including to serve targeted advertising or
content.
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To send news and/or marketing communications (by email, phone, text, or
mail) subject to marketing preferences and choices, including information
about us or third-party offerings we think may be of interest to recipients.
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To understand interactions with our Services and personalize product and
Services experiences and content (including advertising and messaging
campaigns), including remembering preferences and creating profiles based on
personal information.
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To provide location-based services, such as delivering relevant content and
ads based on location.
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To obtain information about credit history from consumer reporting agencies
to process an application for Services, market products and Services,
service accounts, or prevent fraud and illegal activity.
- To enable participation in surveys or other research efforts.
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To conduct market research and develop quality assurance, including to
study, develop, and improve our products and Services. This may include
measuring and analyzing audience traffic, including tracking user interests,
trends, and patterns.
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To provide, maintain, and develop our products and Services, including to
maintain our websites, troubleshoot, provide customer and technical support,
conduct data analysis, testing, and research to better understand the
interests of our customers, stores, and website visitors who use our
products and Services.
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To maintain the safety, security, and integrity of our Services, for
example, by authenticating users and providing account security and fraud
detection. We may also use information to monitor, detect, and prevent fraud
and improper or illegal activity.
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To secure and debug our systems and Services, including our network,
websites, and information technology infrastructure.
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To comply with legal or contractual obligations, protect our rights or the
rights of others, and/or to investigate or address claims or disputes
relating to the use of our Services. This may include the use of information
to comply with legal and regulatory requirements, to defend ourselves in
litigation and investigations, or to prosecute litigation.
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To evaluate or maintain our business relationships if associated with one of
our service providers, collaborators, or other business partners.
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For our other internal business purposes not otherwise prohibited by
applicable law.
We may use sensitive personal information for the following purposes:
- To provide our products or Services that you request;
- To prevent, detect, and investigate security incidents;
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To resist malicious, deceptive, fraudulent, or illegal actions directed at
us or at consumers, or to prosecute those responsible for those actions;
- To ensure the physical safety of natural persons;
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For short-term, transient uses as part of any current interaction with you;
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To support the Services, such as maintaining or servicing accounts or
providing customer service;
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To verify or maintain the quality or safety of our products or Services, and
to improve, upgrade, or enhance our Services;
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For other purposes that do not involve inferring characteristics about
individuals.
We do not use or disclose sensitive personal information for any other
purposes not described above unless permitted by applicable law. We do not collect or process sensitive personal information for the purpose
of inferring characteristics about individuals.
We may also aggregate, anonymize, and/or de-identify personal information that
we collect for use with any above-described purpose, including product
development and improvement activities. We will not attempt to re-identify any
data that has been aggregated, anonymized, or de-identified and will
contractually obligate any recipients of such aggregated, anonymized, or
de-identified information also not to attempt to re-identify the data.
We do not collect, use, or sell personal information for the purpose of
training large language models.
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How We Disclose Personal Information
We may disclose some or all of the personal information collected from or
about you to any of the following entities and for any of the following
purposes:
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Merchants and retailers. We may provide personal
information to merchants, retailers, and other partners in connection with
the Services.
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Service providers and other third parties providing services to
us. We may provide personal information to service providers and other third
parties that provide services to us or act on our behalf, such as: (i)
assisting us in the operation of the Services; (ii) managing customer
information databases and performing administrative services; (iii) hosting
the Services or providing other information technology support; (iv)
designing and/or operating the Services’ features; (v) tracking and
analyzing use of the Services; (vi) sending promotional materials about
products or Services (including special offers and promotions); (vii)
payment processing, loan servicing providers, debt collectors, and other
parties involved in processing Services or other transactions; or (viii)
providing consumer reports or other information about you.
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Professional services providers. We may provide personal
information to professional services providers, such as auditors and law
firms, who provide services related to the operation of our business.
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Government, regulatory, or law enforcement agencies or other third
parties for legal purposes. We reserve the right to disclose personal information in response to
valid information requests from government authorities and judicial
requests, to investigate potential fraud, or where otherwise required by
law. We may disclose personal information where we believe the disclosure is
necessary or appropriate to comply with legal or regulatory requirements.
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In connection with protecting our rights or the rights of others. We may disclose personal information to third parties to protect the
safety, rights, or property of ourselves and others or to exercise,
establish, or defend our legal rights, including detecting, preventing, or
otherwise addressing fraud, security, or technical issues and investigating
potential violations of and enforcing our Terms of Use, agreements, or other
policies.
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In connection with a merger, acquisition, or business transfer. We may disclose personal information to third parties in connection with
a proposed or actual sale of all or a part of our company, merger,
consolidation, restructuring, sale of company stock, and/or sale of assets
or other corporate change.
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At your direction. We may disclose personal information at
your direction or with your consent. For example, you may be presented with
an option to receive certain information and/or marketing offers directly
from third parties or to have us send certain information to third parties
or give them access to information at your request.
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With notice, and if applicable, your consent. We may
disclose personal information to other third parties in accordance with any
notice provided to you at the time we collect it and, if applicable, with
your consent.
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Affiliates, subsidiaries, divisions, and franchisees. We
may disclose personal information to our affiliates, subsidiaries, other
related divisions, franchisees, or other members of our corporate family.
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Advertising or marketing providers and collaborators. We
may disclose personal information to third parties, such as advertising or
marketing partners or third-party collaborators with whom we jointly develop
or promote our Services or other products, who may provide marketing
communications to you, including special offers, sponsorships and co-branded
opportunities, communications related to our loyalty programs, or
promotions.
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General public. We may disclose personal information to the
general public if you choose to interact with us publicly, such as on
forums, blogs, or social media, or if you include personal information in
reviews or other content you contribute to the Services.
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Business purposes. We may disclose personal information to
other third parties as appropriate to further any of our other legitimate
business purposes unless otherwise prohibited by applicable law.
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Aggregate or anonymous data. We may disclose information in
an aggregated, de-identified, or anonymized form to any third parties as
appropriate.
Any personal information collected through a short code/SMS program for
servicing purposes, including mobile numbers, SMS consent, or message data
will not be shared, sold, or rented to unaffiliated or affiliated third
parties for their own marketing or promotional purposes. We may share this
information only with service providers (e.g., carriers, messaging platforms)
to operate our SMS program. Message frequency may vary. Message and data rates
may apply. Reply STOP to cancel texts; HELP for help.
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Sales or Sharing of Personal Information
We do not sell personal information in exchange for monetary compensation. We
may share (as such term is defined under applicable law) personal information
by allowing certain third parties, such as online advertising services, to
collect personal information via automated technologies on our websites and
mobile apps for cross-context behavioral advertising purposes.
We may share for cross-context behavioral advertising purposes (and may have
shared during the preceding 12-month period) the following categories of
personal information with ad tech companies, online advertising services,
collaborators, and other advertising or marketing partners:
- Identifiers
- Protected characteristics
- Commercial information
- Online activity
- Sensory information
- Inferences
We do not have actual knowledge of any sale or sharing of the personal
information of minors under 16 years of age.
You may have the right to opt out of the sharing of personal information as
detailed in the “Privacy Rights” section.
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Retention of Personal Information
We will retain personal information from or about you as reasonably necessary
and proportionate to achieve the purpose(s) for which the personal information
was collected or processed, unless a longer retention period is required or
allowed by law.
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Children’s Privacy
You must be 18 years or older to use our Services. Our Services are for a
general audience, but we do not direct any of our Services to children. We do
not knowingly collect personal information from children under 18 years of
age. If you believe that we may have collected the personal information of a
child, please contact us.
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Links to Third-Party Websites
We may provide links to websites and other third-party content (e.g., social
media platforms) that are not owned or operated by us. These websites and
third-party content may have privacy practices that differ from this Policy.
If you provide any personal information through a third-party website or other
third-party content, your interaction with such third party and your personal
information will be collected by and controlled by the privacy policy of that
third party. We recommend that you familiarize yourself with the privacy
policies and practices of any such third parties, which are not governed by
this Policy. We are not responsible for the privacy practices of these third
parties.
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Information Security
We use commercially reasonable administrative, technical, and physical
measures designed to safeguard personal information against loss, theft,
unauthorized use, disclosure, or modification. However, the confidentiality of
information transmitted over the Internet cannot be guaranteed. We urge you to
exercise caution when transmitting personal information over the
Internet. WE CANNOT GUARANTEE THAT UNAUTHORIZED THIRD PARTIES WILL NOT GAIN ACCESS TO
YOUR INFORMATION; THEREFORE, WHEN SUBMITTING PERSONAL INFORMATION TO US, YOU
DO SO AT YOUR OWN RISK.
It is our policy to protect the confidentiality of Social Security numbers in
our possession from misuse and improper disclosure by maintaining and
enforcing policies and physical and electronic safeguards against misuse and
improper disclosure. Our internal policies prohibit unlawful disclosure of
Social Security numbers, and we maintain measures designed to limit access to
Social Security numbers to personnel who need access to such information in
order to perform their job functions.
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Cookies and Similar Technology
We and our partners use various technologies, including cookies, web beacons,
web server logs, pixels, localStorage, and other similar technologies, to
automatically collect data when you visit or interact with our Services. Some
of these technologies store data in the browser or on your device. Other
technologies may use network-related or other information to recognize your
device (e.g., IP address). Our Services use these technologies, for example,
when you first request a web page; data is then stored on your device and
accessed when you make subsequent requests for pages from that Service. These
technologies may also be used to collect and store information about your
usage of the Services, such as pages you have visited, content you viewed, and
search history. Additionally, we may use these technologies to collect
analytics and measure the use of our Services. The use of these technologies
helps us serve you better by understanding what you are interested in,
tracking trends, measuring the effectiveness of ads, saving your preferences,
and storing information you may want to retrieve on a regular basis.
We and our partners may collect personal information about your online
activities over time and across different websites when you use the Services.
For example, one of the third-party analytics services we use is Google
Analytics. For more information about Google Analytics, you may go to
www.google.com/policies/privacy/partners/. To opt out of Google Analytics, you may go to https://tools.google.com/dlpage/gaoptout.
We and our third-party advertising partners, social media providers, and
analytics providers may also use these technologies to collect personal
information about how you view and use our Services and content to connect
your activity with other data we store about you or your online activity on
third-party websites to serve you interest-based advertising. To learn how to
opt out of interest-based advertising, you may go to:
https://optout.aboutads.info/,
http://preferences-mgr.truste.com, or
https://www.networkadvertising.org/choices. Please note that if you opt out, you may continue to receive generic ads
that are not based on your preferences.
You can control certain tracking technologies, such as cookies, through your
browser settings. If your browser is set to reject cookies, websites that are
cookie-enabled will not recognize you when you return to the website, and some
website functionality may be lost. You may also be able to use device settings
to opt out of the use of certain device IDs for targeted advertising.
Some browsers permit users to send a “Do Not Track” (“DNT”) preference to
websites that the user visits indicating that the user does not wish to be
tracked over time and across websites. We do not currently respond to the DNT
signal. We do, however, respond to opt-out preference signals when required by
applicable law.
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Your Marketing Preferences
We may periodically send promotional materials or notifications. If you no
longer wish to receive promotional marketing materials from us, you may opt
out of receiving such materials. We will work to comply with requests
promptly.
You may unsubscribe from receiving marketing or other commercial emails from
us by following the instructions included in the email.
By opting in to receive SMS text messages, you expressly agree to receive,
from us, SMS text messages (which may be auto-dialed, pre-recorded, or
promotional) to the mobile number you provided, even if the phone number is on
a Do Not Call List. You may unsubscribe from SMS text messages you previously
consented to by following the instructions provided in our messages.
There are certain service notifications and other non-promotional emails that
you may not opt out of, such as notifications of changes to our Services,
policies, or other information about your orders, such as shipping
information.
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Privacy Rights
Depending on where you reside, you may have the following rights with respect
to the processing of your personal information.
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Know and access: You may have the right to confirm
whether we are processing personal information about you and to know what
personal information we have collected about you, including the categories
of personal information; the categories of sources from which the personal
information is collected; the business or commercial purpose for collecting,
selling, or sharing personal information; the categories of or specific
third parties to whom we disclose or sell your personal information; and the
specific pieces of personal information we have collected about you.
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Correction: You have a right to request that we correct
inaccurate personal information that we may have about you.
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Deletion: You may have the right to request that we delete
the personal information we have collected, subject to certain exceptions.
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Opt out of “sales”, “shares”, and targeted advertising: You
may have the right to opt out of the “sale” of your data and/or the
“sharing” (as defined under California law) of your data for cross-context
behavioral advertising or targeted advertising. We also honor opt-out
preference signals, such as the Global Privacy Control. We process opt-out
preference signals in a frictionless manner. Please note that we do not sell
personal information for monetary consideration. To make a request to opt
out of the “sale” and/or “sharing” of your data for cross-context behavioral
advertising or targeted advertising
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Profiling and automated decisionmaking: You may have the
right to confirm whether we process personal information for the purposes of
profiling to make a decision that produces any legal or similarly
significant effect and to opt out of profiling or use of automated
decisionmaking technologies. You may also have the right to access
information about how we use profiling or automated decisionmaking
technologies, question or appeal the result of such profiling or use of
automated decisionmaking technologies, be informed of the reason that such
profiling or use of automated decisionmaking technologies resulted in such
decision, and review the personal information that was processed for the
purposes of such profiling or automated decisionmaking technologies.
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Withdraw consent: You may have the right to withdraw your
consent to our collection, use, and disclosure of your personal information
in accordance with this Policy at any time, subject to certain legal
restrictions and reasonable notice to us. Please be aware that if you
withdraw your consent to the collection, use, and disclosure of your
personal information, we may no longer be able to provide you with certain
products or Services.
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Non-discrimination: You may have the right to be free from
unlawful discrimination or retaliation for exercising any of these privacy
rights.
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Appeal: You may have the right to request an appeal of an
action we take in response to your request to exercise any of the above
privacy rights.
In order to exercise a privacy right, please use the contact information
below.
To the extent permitted by applicable law, we may charge a reasonable fee to
comply with your requests.
To exercise your right to appeal an action in response to a prior request,
please email us using the email address in the “Contact Us” section below.
To help protect your privacy and maintain security, for certain privacy
rights, we may take steps to verify your identity before processing your
request. If you have an online account with us, we may verify your identity by
requiring you to sign in to your account. You are not required to create an
online account, so if you do not have an online account with us, we may
require you to verify your identity by providing us with your email address,
telephone number, and/or information about your prior transactions with us
(such as the amount, date, or other details about your last transaction). We
will match this information against our business records to verify your
identity. Failure to verify your identity may result in
your request not being processed.
Where required by applicable law, we will notify you if we deny your request
and the reasons we are unable to honor your request.
Depending on where you reside, you may have the right to submit a request
through an authorized agent or legal guardian. If you are an authorized agent
or legal guardian acting on behalf of another individual, you must be able to
demonstrate that you have the requisite authorization to act on behalf of the
individual.
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Use of Automated Decisionmaking Technologies / Profiling
We may use certain types of automated processing to analyze your personal
information in order to make decisions related to your requests or to provide
our products and Services. This type of processing may involve “automated
decisionmaking technologies” (“ADMT”) or “profiling” using artificial
intelligence systems (“Profiling”) as defined under applicable laws or
regulations. We may use the following types of ADMT or Profiling to make
significant decisions about you:
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Loan or lease eligibility and underwriting systems: To
decide whether to approve your application(s) for our products or Services.
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Pricing and termssetting systems: To help determine the
interest rate, fees, credit limit, repayment term, or other key terms of
your products or Services with us.
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Identity verification and fraud detection systems: To help
detect identity theft, fraud, or misuse of your accounts.
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Servicing, repayment, and collections prioritization systems: To support how we service and manage your accounts.
The categories of personal information that may be processed by ADMT or
Profiling include: Identifiers, Biographic and Demographic Information,
Financial or Payment Information, Commercial Information, or Internet and
Other Electronic Network Activity Information.
These technologies generate different types of output, including:
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Predictions and scores, such as likelihood of repayment,
probability of default, risk of fraud or identity theft, or eligibility for
a particular product or Service.
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Classifications and tiers, such as application or account
risk categories or servicing and collections priority levels.
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Recommendations and proposed decisions, such as recommended
approval or denial, recommended loan or lease amount, or recommended
interest rate or fee range.
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Flags and alerts, such as fraud or high-risk flags or
alerts indicating unusual or suspicious patterns.
For some decisions (e.g., certain eligibility, underwriting, pricing, or fraud
decisions), the output may be the primary or determining factor in the
decision, subject to applicable legal or regulatory constraints. In other
situations, the output may be one important factor among others, such as
documentation you provide, regulatory requirements, and information from
third-party providers. The outputs may also help guide servicing, repayment,
and collections, for example by helping determine the timing and nature of
outreach.
The logic used by ADMT or Profiling generally involves applying rules-based
models, statistical models, machine-learning models, or other automated
analytical techniques to personal information and other relevant data to
evaluate factors such as application information, account history, transaction
activity, identity verification, fraud indicators, payment behavior, and
similar information. These systems may compare that information against
pre-defined criteria, historical patterns, risk indicators, and business rules
to generate scores, classifications, recommendations, flags, alerts, or
proposed decisions. We may review, test, monitor, and update these systems
over time to support accuracy, consistency, fairness, security, and
compliance. Our use of ADMT and Profiling is essential to the provision of our
products and Services. Depending on where you reside, you may also have the
right to appeal ADMT or Profiling decisions or to request information about
the use of ADMT or Profiling, as described in the “Privacy Rights” section.
Please note that ADMT or Profiling provides benefits to our customers by
offering more efficient and more timely business operations. If we use ADMT or
Profiling and you would like a decision about you to be made without the use
of ADMT or Profiling, you may opt out of the use of ADMT or Profiling by
contacting us through the applicable methods listed below.
If you opt out of ADMT or Profiling, our provision of our products and
Services or other interactions with you may be delayed. If we do not use ADMT
or Profiling, we will notify you of that fact after we after we receive your
opt out request.
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Updates to the Policy
We may update this Policy from time to time. When we make changes to this
Policy, we will notify you as required under applicable law, which may include
by email or by posting the updated Policy with its effective date. Your
continued use of the Services following the posting of any such changes will
constitute your acceptance of such changes.
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Contact Us
If you have any questions or comments regarding our use of your personal
information, your choices and rights regarding such use, or this Policy,
please contact: