Privacy Policy
Effective Date: August 5, 2024
This Privacy Policy describes how Creditly Corporation (“Credit Genie,” “we,” “us,” or “our”) collects, protects, uses, and discloses your personal information in connection with our services. This Privacy Policy applies to personal information we collect from you and from third parties, both online and offline.
This Privacy Policy applies to the use of creditgenie.com, a Credit Genie-owned and controlled web site (“Site”), Credit Genie's mobile applications, products, and services (collectively, the“Services”), or when you otherwise interact with us. By interacting with us, or otherwise providing us with personal information, you agree to the terms and conditions of this Privacy Policy and any updates we make. Our Terms and Conditions of Use for the Site and Services (“Terms of Use”) take precedent over any provision conflicting with this Privacy Policy.
Changes to Our Privacy Policy
We update our Privacy Policy regularly; this version is effective as of the date indicated above. We reserve the right to change this Privacy Policy at any time without notice to you. Credit Genie will also promptly make an updated Privacy Policy publicly available on our Sites. Changes will be effective as soon as the revised Privacy Policy is posted unless otherwise stated.
1. HOW AND WHY WE COLLECT INFORMATION ABOUT YOU
1.1. Personal Information
We collect personal information from you to help you use our services. When we say, “personal information,” we mean information that specifically identifies you.
Examples of personal information include:
- Name
- Address
- Telephone Number
- Email Address
- Income Information
- Expense Information
- Credit Information
We do not knowingly collect personal information from individuals under 18. If you are under 18, do not use or provide any information on our mobile app or on or through any of its related features. If we learn we have collected or received personal information from a person under 18, we will close the account and delete all personal information relating to that account. If you believe we might have any information from or about a person under 18, please contact us via a help request at the following link: https://creditgenie.zendesk.com/hc/en-us/requests/new.
1.2. Information You Provide Us
We do not collect any personal information from visitors to our website.
We collect personal information from users of our mobile application from you, both directly and indirectly, and from third parties. For example, you are asked to provide personal information to us directly when you use our mobile app, communicate with us about our services, and provide feedback to us. If you communicate with us by telephone, we may monitor or record the call. This is done for reasons such as maintaining the integrity of your account, providing effective and timely service, and the improvement of Credit Genie's services.
You also provide us with personal information indirectly when you use our mobile app by transmitting to us data about your mobile device. We use this information to improve and evaluate your use of our services. We may gather data such as your browser type, operating system, loading or exiting of app screens, and the Internet Protocol (IP) address of your device.
1.3. Information Third Parties Provide About You
When you use some of our services, we may collect information from you, such as usernames, passwords, account numbers, and other account information for third-party websites and Internet banking services ("Third-Party Sites").
We use third-party service providers to obtain your account, transaction, and other banking information from the relevant financial institution on your behalf to display the information to you or to fulfill your requests for certain products, services, or transactions through a Service.
Finally, we contract with third parties to place advertisements for our services on web sites that are not our own. We place these advertisements where we think they are likely to be most relevant. These advertisements on third-party web sites allow us to track responses to our advertisements. We use this information to track the performance of our advertising and marketing campaigns by using tools like cookies, web beacons and similar technologies. We use these tools to collect and store information about the user's visit, page visits and duration, and the specific advertisement or link that the user clicked on to visit the site.
1.4. Cookie Information
Credit Genie does not use "cookies" or similar tools to track your use of the Credit Genie Site.
2. USE OF YOUR PERSONAL INFORMATION
2.1 How We Use Your Personal Information
We use your personal information to provide you with information or services you request, to inform you about other information and services we think will be of interest to you, to facilitate your use and our operation of our mobile apps, and to improve our services.
Here are some examples of ways in which we use your personal information:
- Creating a user account
- Qualifying you for advances
- Facilitating advance disbursement and repayment
- Handling your customer service inquiries
- Protecting your account
Part of how we use your personal information includes marketing other Credit Genie products and Services to you. We may also use your personal information to create aggregate data. Aggregate data are records which have been stripped of information potentially identifying customers, landing pages or end-users, and which have been manipulated or combined to provide generalized, anonymous information. Aggregate data is used to help us understand consumer trends, needs, interests, and preferences so we can improve our products and services.
2.2. Aggregate Data
Aggregate data means records which have been stripped of information potentially identifying customers, landing pages or end-users, and which have been manipulated or combined to provide generalized, anonymous information. Your identity and personal information will be kept anonymous in aggregated data. Aggregate data is used to help us understand consumer trends, needs, interests, and preferences so we can improve our products and services.
Credit Genie also collects demographic information, and may include:
- Age
- Date of Birth
- Income
- Geographic Area
3. HOW WE SHARE YOUR PERSONAL INFORMATION
We may share information, including personal information, with third parties in a variety of ways, such as:
- Third parties acting on our behalf: We may share information about you with service providers, partners or agents in order to have them perform on our behalf any of the activities we are permitted to conduct under this Privacy Policy and our Terms of Use. This includes vendors designing or operating features, helping us research and test feature improvements, identifying offers or personalized recommendations, performing analytics, and marketing our services. These third parties are acting on our behalf so while they may have access to your information they are required to follow our instructions and meet the standards explained in our Privacy Policy when handling information about you that we provide them.
- Legal reasons: We reserve the right to transfer or disclose information about you to third parties for certain legal purposes.
- With your consent: There may also be other limited contexts in which we share specific types of personal information with your express consent.
We never sell your personal information, and we do not share your personal information for cross-contextual behavioral advertising or marketing from non-affiliated third parties.
4. PROTECTING YOUR PERSONAL INFORMATION
Credit Genie takes seriously the privacy and security of consumers' personal information. We maintain administrative, technical and physical safeguards designed to protect your information's confidentiality, integrity, and availability.
We protect personal information you provide online in connection with registering yourself as a user of our mobile apps. Access to your own personal information is available through a unique user ID and password selected by you. This password is encrypted while transmitted from your browser to our servers and while stored on our systems. To protect your personal information, never share your password to anyone. Please notify us immediately if you believe your password has been compromised.
Whenever we save your personal information, it's stored on servers and in facilities that only selected Credit Genie personnel and our contractors have access to. We encrypt all data that you submit through the mobile apps during transmission to prevent unauthorized parties from viewing such information. Remember – information you submit to us by email is not secure, so please do not send sensitive information in any email to Credit Genie.
4.2. Steps You Can Take to Help Us Keep Your Information Safe
There are many steps you can take to help us keep your information safe. First and foremost, choose complex, independent passwords for each website and service with which you maintain an account or profile. This helps keep any breach of any of your accounts or profiles isolated to one service.
Credit Genie urges your caution when using public computers or networks, like at a coffee shop or library. To best protect your personal information and login information, do not use such computers to access your sensitive accounts, and if you must, ensure that you log out of your account entirely.
When either you or we update information in your account, such as the status of a loan application, we typically send you notice of these changes via email or text message. In recent years, individuals, businesses and even governments have seen a rise in “phishing” attacks. Phishing occurs when someone attempts to obtain your password or other sensitive information. Scammers often do this by impersonating a trusted user or offering a compelling reason to open a malicious email attachment, click on a link or give over information. We never ask for your sensitive personal information, such as password, over email or other unsecure methods or through any site not under the CreditGenie.com domain. Please notify us via a help request at the following link: https://creditgenie.zendesk.com/hc/en-us/requests/new if you ever receive suspicious correspondence from us.
5. Changing and Updating Your Personal Information
We want to provide you with the resources you need to keep your information with us correct and up-to-date. If you need to change any other information in your profile, please contact our customer service via a help request at the following link: https://creditgenie.zendesk.com/hc/en-us/requests/new.
6. Complaints and Concerns
Credit Genie takes your privacy seriously and maintains a process to respond to your questions and concerns regarding your personal information. To contact us about privacy issues, please submit a help request at the following link: https://creditgenie.zendesk.com/hc/en-us/requests/new.
7. Summary of Personal Information Sharing
| FACTS | WHAT DOES CREDITLY CORPORATION DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include
|
| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Creditly Corp. chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Creditly Corporation share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates' everyday business purposes -information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes -information about your creditworthiness | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
| Questions? | Go to https://creditgenie.zendesk.com/hc/en-us/requests/new |
| Who We Are | |
|---|---|
| Who is providing this notice? | Creditly Corporation |
| What we do | |
|---|---|
| How does Creditly Corporation protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Creditly Corporation collect my personal information? | We collect your personal information, for example, when you
|
| Why can't I limit all sharing? | Federal law gives you the right to limit only
|
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
| Other important information |
|---|
For California residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. For Vermont residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. |
8. California Notice at Collection and Privacy Policy (Applicable to California Residents Only)
This section contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to that law. However, the CCPA does not apply to personally identifiable financial information when that information is subject to other financial privacy laws, specifically the Gramm-Leach-Bliley Act (GLBA). All personal information collected by Credit Genie is related to the financial products and services it provides and is subject to the GLBA; as a result, Credit Genie does not collect, use, store, or share any personal information or sensitive personal information of its website or mobile app users that is subject to the CCPA.
Generally, the CCPA allows California residents, upon a verifiable consumer request, to request the following:
- The right to know the categories and specific pieces of personal information we collect, use and disclose about you, the categories of sources from which we collected your personal information, our purposes for collecting your personal information, the categories of your personal information that we have disclosed for a business purpose, and the categories of third parties with which we have shared personal information. Credit Genie has not collected, used, or disclosed any personal information subject to the CCPA in the prior 12 months.
- The right to request a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Credit Genie has not disclosed to third parties any personal information subject to the CCPA in the prior 12 months.
- The right to request that we delete the personal information we have collected from you or maintain about you, subject to certain legal exceptions, for example, when the personal information is necessary to complete a transaction for which we collected it or to comply with a legal obligation. As Credit Genie does not maintain any personal information subject to the CCPA, it does not have any such information that can be deleted.
- The right to request that we correct inaccurate personal information that we collected from you and retained. As Credit Genie does not maintain any personal information subject to the CCPA, it does not have any such information that can be corrected.
- The right to opt out of our sale(s) of your personal information. Credit Genie does not sell or share for third-party marketing any personal information, whether or not subject to the CCPA.
- The right to limit the use or disclosure of their sensitive personal information to just actions necessary to perform specific purposes under California law. Credit Genie has not collected, used, or disclosed any sensitive personal information subject to the CCPA in the prior 12 months
- The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.
Although we do not collect any personal information subject to the CCPA, if you contact us to exercise any rights under California law, we will attempt to verify your identity and assist you to the best of our abilities.