This Privacy Policy (“Policy”) applies to the products, services, and platform (referred to collectively as the “Credit Ready Platform” or “Platform”) owned and operated by Credit Ready, LLC (“Credit Ready” or “CR” or “us” or “our” or “we”). The Platform allows you to efficiently provide and consolidate information that Credit Ready needs to process credit and financial services for you. For purposes of this Policy, “you” and “your” mean the Platform account creator, authorized signer, authorized representative, delegate, and/or other authorized Platform user. This Policy describes and governs the information collection, use, and sharing practices of Credit Ready with respect to the Platform.

Before you use or submit any information on or through the Platform, please carefully review this Policy. By using any part of the Platform, you consent to the collection, use, and disclosure of the information you provide as further outlined in this Policy. We will continue to evaluate this Policy as we update and expand the Platform and our offerings, and we may make changes to the Policy accordingly. Any changes will be incorporated into this Policy and posted on the Platform. Your continued use of the Platform will signify acceptance of the terms of the updated Policy.

What Information Does Credit Ready Collect?

We collect information in multiple ways, including when you provide information directly to us and when we passively collect information from you, such as from your browser or device.

Information You Provide Directly to Us

We may collect information from you during your use of or access to the Platform, such as when you:

  • Register for a Credit Ready Platform account;
  • Enter information in the Credit Ready Platform;
  • Communicate with us; or

For example, through the registration process and/or through your Platform account settings, we may collect information such as your email address, account password, and recovery phone number for creating and authenticating a Credit Ready Platform account (“Credit Ready Account Credentials”). We may also collect contact, financial, and other information that may be used for the purpose of retrieving information from third-parties. We will also collect information from the accounts you authorize us and others to access on our or the third-party’s behalf that is used in connection with applications for credit services products. All such information we collect from you through or in connection with the Platform is covered by this Policy.

Information Collected Passively

  • Device/Usage Information

We may automatically collect certain information about the computer or devices (including mobile devices or tablets) you use to access the Platform. As described further below, we may collect and analyze information such as (a) IP addresses (including city and state information), unique device identifiers, IMEI and TCP/IP addresses, and other information about your computer or device(s), browser types, browser language, operating system, mobile device carrier information, and the state or country from which you accessed the Platform; and (b) information related to the ways in which you interact with the Platform, such as referring and exit web pages and URLs, platform type, number of clicks, domain names, landing pages, pages and content viewed and the order of those pages, statistical information about the use of the Platform, amount of time spent on particular pages, date and time you used the Platform, frequency of your use of the Platform, error logs, and other similar information. As described further below, we may use third-party analytics providers and technologies, including cookies and similar tools, to assist in collecting this information.

  • Cookies and Other Electronic Technologies

We may also collect data about your use of the Platform through the use of internet server logs, cookies, and/or tracking pixels. An internet server log is a file where website activity is stored. A cookie is a small text file that is placed on your computer when you visit a website that enables us to: (i) recognize your computer; (ii) store your preferences and settings; (iii) understand the web pages of the Platform you have visited; (iv), enhance your user experience by delivering content specific to your interests; (v) perform searches and analytics; and (vi) assist with security administrative functions. Some cookies are placed in your browser cache. Tracking pixels (sometimes referred to as web beacons or clear GIFs) are tiny electronic tags with a unique identifier that are embedded in websites, online ads, and/or email and are designed to provide usage information like page clicks, measure popularity of the Platform and associated content, and access user cookies. We may update this Policy from time to time as we adopt new technologies to gather additional information through other methods.

Please note that you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser (e.g., Internet Explorer; Google Chrome; Mozilla Firefox; or Apple Safari) for more information. Please note that by blocking any or all cookies, you may not have access to certain features or offerings of the Platform.

Information from Third Parties

We may also obtain information about you from third parties such as third parties that provide products or services related to the Platform.

How Will Credit Ready Use My Information?

Credit Ready may use the information we collect from and about you for the following purposes:

  • To process and fulfill a transaction or to provide products or services through or in connection with the Platform;
  • To facilitate your registration for a Credit Ready Platform account;
  • To send you information about your Platform-related activities;
  • To contact you with information or surveys regarding our Platform;
  • To process and respond to your inquiries or to request your feedback;
  • For internal research and reporting;
  • To improve the content and features of the Platform or develop or deliver new products or services;
  • To personalize the content that you see on the Platform (see “How Does Credit Ready Personalize Content to My Interests?” section below); To enforce the legal terms that govern your use of the Platform; and
  • To administer and troubleshoot the Platform.

In addition to the use of your information to process your credit services transaction, we may also aggregate and/or de-identify the information we collect. We may use aggregated and/or de-identified information for improving the Platform and developing business analytics, and may also share such information and analytics with third parties.

How Does Credit Ready Personalize Content to My Interests?

  • Online and Email Analytics

We may use third-party web analytics services on the Platform, such as those of Google Analytics. These service providers use the sort of technology previously described in the “Cookies and Other Electronic Technologies” section to collect information (including your IP address) to help us analyze how users use the Platform, including by noting the third-party website from which you arrive, providing certain features to you, improving and developing the Platform, monitoring and analyzing use of the Platform, aiding our technical administration, assisting in our troubleshooting and customer support efforts, and verifying that users have the authorization needed for us to process their requests. To prevent Google Analytics from using your information for analytics, you may install the Google Analytics Opt-out Browser Add-on by clicking here. If you get a new computer, install a new browser, erase or otherwise alter your browser’s cookie file (including upgrading certain browsers), you may clear the Google Analytics opt-out cookies, and you will need to re-visit the relevant opt-out page.

If you receive email communication from us, we may use certain tools, such as clear GIFs, to capture data such as when you open our message or click on any links or banners our email contains.

  • Notice Concerning Do Not Track Signals

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. We are committed to providing you with meaningful choices about the information collected on the Platform for third-party purposes, and that is why we provide choices provided by Google Analytics. However, we do not recognize or respond to browser-initiated DNT signals, as the internet industry is currently still working toward defining exactly what “DNT” means, what it means to comply with DNT, and a common approach to responding to DNT. You can learn more about DNT by clicking here.

How Will Credit Ready Share My Information?

We may share your information as described in this section.

  • Financial Services Providers. We may collect information for Financial Services Providers that are evaluating, processing, or funding loan applications or other financial services applications. We may share the information you provide with, and/or make that information available to Financial Services Providers, their successors-in-interest, and other relevant third parties that the Financial Services Provider has authorized to access the information in order to facilitate the loan process or other financial services transaction, and provide related services and products to you. If you are a customer of such a Financial Services Provider and have questions about its privacy practices or you no longer want to be contacted by the Financial Services Provider, please contact the Financial Services Provider directly. The Financial Services Provider’s privacy policy, and not this Policy will apply to the Financial Services Provider’s use of your information, and to the sharing and use of your information to/by others authorized by the Financial Services Provider to obtain your information. Credit Ready is not responsible for the privacy practices of the Financial Services Providers.
  • Affiliates and Subsidiaries. We may share information we collect within the Credit Ready Affiliates and Subsidiaries to deliver products and services to you, ensure a consistent level of service across our products and services, and enhance our products, services, and your customer experience.
  • Service Providers. We may provide access to or share your information with select third parties who perform services on our behalf to facilitate the operation and functionality of the Platform. For example, we may use companies that assist with billing, customer support, fulfillment, data storage, analysis and processing, and legal services. We may also provide access to or share information with third parties as necessary to effect, administer, or enforce a transaction that you request or authorize.
  • Data Access Providers and Other Third Parties. We may use data access providers to assist in obtaining information from credit bureaus for the purpose of completing the application. The collection, use, transmission, and storage of this information by our data access providers is governed by the privacy policy of the applicable data access provider. Credit Ready may also share your information with partners of Credit Ready or Financial Services Providers (e.g., pricing engines, document generation providers).
  • Consent. With your consent, we may also share your information with other third parties.
  • Protection of Credit Ready and Others. By using the Platform, you acknowledge, consent, and agree that we may access, preserve, and disclose your information, including but not limited to any user content, if required to do so by law or in a good faith belief that such access, preservation, or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce our Terms of Service, this Policy, or other contracts with you, including investigation of potential violations thereof; (c) respond to claims that any content violates the rights of third parties; (d) respond to your requests for customer service; and/or (e) protect the rights, property, or personal safety of Credit Ready, its agents and affiliates, and/or its users and/or the public. This includes exchanging information with other companies and organizations for fraud protection, spam/malware prevention, and similar purposes.
  • Business Transfers. As we continue to develop our business, we may buy or merge with other companies. In such transactions (including in contemplation of such transactions, e.g., due diligence), user information may be among the transferred assets. If a portion or all of Credit Ready’s assets are sold or transferred to a third party pursuant to a corporate purchase, sale, or merger, customer information may be one of the transferred business assets.

How Does Credit Ready Secure My Data?

We have implemented administrative, technical, and physical security measures to protect against the loss, misuse, and/or alteration of your information. These safeguards vary based on the sensitivity of the information that we collect and store. For example, we store usernames, passwords, PINs, and other log-in information in encrypted form. However, we cannot and do not guarantee that these measures will prevent every unauthorized attempt to access, use, or disclose your information because despite our efforts, no internet and/or other electronic transmissions can be completely secure.

We recommend that you change your password periodically. You are responsible for maintaining the security of your Platform account username and password. If you believe that your Platform account username and/or password have been stolen or been made known to others, it is your responsibility to immediately change your password. We are not responsible if someone else accesses your Platform account through information they have obtained from you.

What Choices Do I Have?

  1. Updating and Deleting Your Information. You may be able to add, update, or delete certain information through the Platform. When you update information, however, we may maintain a copy of the unrevised information in our records for legal compliance purposes. We retain the information we process for as long as needed to provide services, including providing information to successors-in-interest throughout the term of the transaction. We may retain some of the information for reasons including, but not limited to, compliance with applicable regulations, resolving disputes, and enforcing our agreements. We may also continue to use any aggregated or de-identified information but not in a manner that would identify you personally.
  2. California Residents. Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask for a notice (a) identifying the categories of personal information (as defined by California law) that are shared with third parties for their own marketing purposes and (b) providing contact information for such third parties. As discussed above, Credit Ready does not share such personal information for these purposes.

What Is Credit Ready’s Responsibility for Third-Party Links on the Platform?

The Platform may contain links to or “frame” third-party websites, applications, and other services available to support Platform operations and functionality. Please be aware that we are not responsible for the privacy practices of such other sites and services. We encourage our users to be aware when they access third-party websites and/or leave the Platform and to read the privacy statements of each and every site they visit that collects their information.

What Is Credit Ready’s Policy on Children?

We do not knowingly collect or solicit personal information (as defined by the “Children’s Online Privacy Protection Act”) from anyone under the age of 18. If you are under 18, please do not attempt to register for the Platform or send any personal information about yourself to us. If we learn that we have collected personal information from a child under age 18, we will delete that information as quickly as possible.

Retention of Your Information

We keep your information in identifiable form for no longer than necessary for the purposes for which it is processed. The length of time for which we retain information depends on the purposes for which we collected and use it and/or as required to comply with applicable laws.

Will Credit Ready Change This Policy?

We reserve the right to change this Policy at any time to reflect changes in the law, our data collection and use practices, the features of the Platform, or advances in technology. Please check this page periodically for changes. Your continued use of the Platform following the posting of changes to this Policy will mean you accept those changes.

What If I Have Questions About This Privacy Policy?

If you have any questions or concerns regarding our Privacy Policy, please send us a detailed message to [email protected] and we will try to resolve your concerns.