Ca Consumer Privacy Notice

California Consumer Privacy Notice

This California Privacy Notice (the “Notice”) applies solely to visitors, users, and others who reside in the State of California (“consumers” or “you”) and visit the LendUp.com website (the “Site”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this Notice.

For the purposes of this California Privacy Notice, "Personal Data" means information that is linked or reasonably linkable to a particular individual or household. However, the following categories of information are not Personal Data:

  • Publicly available information;
  • Deidentified or aggregated data; or
  • Information otherwise excluded from the scope of the CPRA.

Introduction

LendUp, LLC (“LendUp,” “LendUp.com,” “we,” “us,” or “our”) may collect and process certain personal information directly – for instance, if you contact us through a form we own or sign up for our communications. However, in many cases, we host forms or links from our third-party partners (“Partners”) that collect and process your information independently. When you submit information to our Partners, LendUp does not have access to or control over that data.

Your Rights Under 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.

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. California consumers have the right not to be discriminated against by a business on account of their exercise of any of these rights.

Information LendUp May Collect Directly

When you interact with us directly – for example, by emailing us, completing a contact form on our Site that we own, or signing up for our newsletter – LendUp may collect the following categories of personal information:

  • Identifiers: Name, email address, phone number, or similar identifiers.
  • Communications: The content of messages you send us or questions you submit.
  • Internet/Network Information: IP address, browser type, operating system, and information about your interactions with our Site (via cookies or similar technologies).

We use this information to respond to inquiries, provide support, improve our Site, and communicate with you. We may also use de-identified or aggregated data for analytics and service improvement.

We automatically collect certain information when you use our Site. This information may include:

  • "Clickstream" data, including information regarding which of our web pages you access, the frequency of such access, and your product and service preferences;

  • Device information, including hardware model, operating system,
    browser, or IP address; and - Mobile device information, including telephone number, the unique device identifier assigned to that device, mobile carrier, or other device attributes.

Cookies And Analytics

Technologies such as cookies, beacons, tags, and scripts are used by LendUp and our analytic partners or service providers.
These technologies are used in authenticating your user settings, administering the Site, tracking users' movements around the Site, analyzing trends, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We may also allow other third-parties to use cookies and other tracking technologies on our Site.

Users may be able to control the function of some cookies through your browser settings. However, if you reject cookies, you may still use our Site, but your ability to use some features or areas of our Site may be limited.

The Site is not currently configured to respond to Do Not Track signals.

Information Collected by Third-Party Partners

In other instances, our Site may contain links to forms or pages owned and operated by our Partners (for example, a loan eligibility form). When you fill out these forms:

  • Our Partners collect and control that personal information.
  • LendUp does not have access to that information and does not control how it is used or shared.

The categories of data collected by our Partners may include:

  • Contact Information (e.g., name, phone number, email)
  • Financial Information (e.g., income, bank account details)
  • Identifiers (e.g., Social Security number, driver’s license number)
  • Internet/Network Information (e.g., IP address, device information)

For details about what they collect, how they use it, and how to exercise your rights, please consult the Partner’s own privacy policy.

FACTS WHAT DOES LENDUP 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:

  • Social security number and income
  • Account balances and payment history
  • Transaction history and overdraft history
  • Personal and financial information from your financial institution(s)
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 LendUp chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does LendUp 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 Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes
For our third-party vendors and servicers – for business purposes, e.g., to provide personal and financial information from your financial institutions Yes Yes
To limit our sharing
Questions? Mail in [email protected] or go to https://www.lendup.com.
Who we are 
Who is providing this notice? This privacy notice is being provided by LendUp, LLC. d/b/a LendUp.
What we do 
How does LendUp 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 web protocols.
How does LendUp collect my personal information?

We collect your personal information, for example, when you

  • Provide your credit or debit card or provide employment information
  • Give us your income information or apply for a loan
  • Give us contact information

You are not required to consent to be considered for a loan; however, depending on your relationship with us, doing so may affect the products and services we provide to you, or our ability to provide such products and services.
Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account—unless you tell us otherwise.
Definitions
Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.
Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies

  • LendUp shares with its nonaffiliates
Joint marketing

A formal agreement between affiliated financial companies that together market financial products or services to you.