ONLINE PRIVACY POLICY (last updated January 23, 2024)

Introduction

You are visiting a website owned and operated by VIPRev, LLC. VIPRev, LLC and its subsidiaries (collectively, “VIPRev, LLC”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your personal information. Please read this Online Privacy Policy carefully as it details how we collect, protect, treat, share, and use your information. This Privacy Policy applies to VIPRev, LLC and all websites owned and operated by VIPRev, LLC on which this Privacy Policy is displayed (referred here after as the “Website(s)” or “Site(s),” whether individually or collectively) as well as VIPRev, LLC affiliates.

This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. If you do not agree with, and agree to be legally bound by, our Terms of Use and Privacy Policy and practices regarding how VIPRev, LLC handles your personal information, you should not use or access our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy and our Terms of Use. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.

Information We Collect

Personally Identifiable Information. In the course of using this Website, we may collect information that could identify you such as your name, email address, mailing address, phone number, social security number, driver’s license number, bank information, employment history, information related to your income, and credit.

Other Information. We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.

How We Collect Information

Information Provided by You. We collect personal information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online phone, over the phone, electronic communication, or via other means in which you interact with our Services.

Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.

Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.

How We Use Your Information.

We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) to provide to third-party lenders or financial institutions for the purpose of determining eligibility for specific products (vi) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vii) improve our Website; (viii) improve customer service; (ix) to comply with law enforcement and maintain the security of our Website; and (x) to perform any other functions otherwise disclosed when you provide us with your information.

How We Share Your Information.

Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our Website, you opt-in to receive communications (i) from us; (ii) one of our third-party lenders that we partner with; and (iii) third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, or other parties who assist us in operating our Website, conducting our business, or serving our users.

Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website, you agree that VIPRev, LLC may share your information about you or provided by you with lenders and other third parties which provide services to our users (collectively, Network Partners”) to deliver the products and services you requested. These Network Partners include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in their network.

Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements of policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

Advertising and Analytics.

We may partner with advertiser networks and other advertiser service providers (collectively, “Advertising Providers”) that serve ads on our behalf and others on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of our website and other sites or apps over time, including information about relationships among different browsers and devices.

We may also work with third parties that collect information about your use of our website and other websites over time for non-advertising purposes. We use Google Analytics and other third-party services to improve the performance of the Website and for analytics and marketing purposes.

Advertisers Use of Anonymous Data for Advertising. Additionally, we may include the use of ad banner partners for the serving and/or targeting of ads, promotions, and other marketing messages. These ads may be provided, in some cases, by a third-party ad service provider or advertiser (collectively, “Advertisers”). Additionally, Advertisers may place or utilize their own cookies on your browser and may use Anonymous Information about your visit to our Website. If an Advertiser requests that you provide Personal Information to it or otherwise accept its cookie on your browser, please be aware that the Advertiser’s use and collection of this information and use of any cookies will be governed by its privacy policy or other relevant agreement, and not our Privacy Policy. We recommend that you review the Advertiser’s privacy policy before providing Personal Information. You may choose not to receive targeted advertising from certain ad networks, data exchanges, marketing analytics, and other service providers as indicated at: http://www.aboutads.info/choices/.

How We Protect and Safeguard Your Information.

By accessing and navigating through this Website, you hereby acknowledge and agree that VIPRev, LLC may retain your information indefinitely. Please note that the internet is an inherently insecure environment, and as such any transmission of personal information is at your own risk. 

Our Commitment to Online Security. We use commercially reasonable steps standards to protect the security of your personal information, prevent unauthorized access to, or disclosure of it, and encrypt sensitive data. Our security systems include physical, technical, and administrative information security controls, and we take commercially reasonable steps to secure and safeguard such personal information in accordance with applicable law. Although we strive to provide these security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.

No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, VIPRev, LLC shall not be liable for unauthorized disclosure of personal information due to no fault of VIPRev, LLC including, but not limited to, errors in transmission and unauthorized acts of third parties.

Call Recordings.  We may record calls and retain the content of text messages or other written/electronic communications between you and us. By communicating with us, you consent to such recording and retention of communications. Third party partners may also record your calls and retain the content of text messages or other written/electronic communications; however, each third-party partner’s individual practices will govern their communication practices and this policy solely applies to your communications with VIPRev.

Our Retention of Data. We retain Personal Information for the period of time necessary to fulfill the purposes for which we obtained the personal information and consistent with applicable law. We use the following criteria to set our retention periods: (i) the duration of our relationship with you; (ii) the existence of a legal obligation as to the retention period; and (iii) the advisability of retaining the information in light of our legal position (for example, in light of applicable statutes of limitations, litigation, or regulatory investigations).

Accuracy and Minimization of Data. We take reasonable steps (i) to maintain the accuracy of the personal information we process, and (ii) to limit the personal information we process to that which is reasonably necessary for the purposes for which we obtained the information.

Third-Party Links.

This Website may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.

Consent to Communicate

When you submit your personal information on this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request  

Modifications or Amendments

From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent in advance. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website seven (7) days after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.

Children Under the Age of 18

This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age. If you believe that we have inadvertently collected information on an individual under eighteen (18) years of age, please notify us at [email protected] so it can be removed.

Your Rights Under the CCPA and Other State Laws

General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.

Description of Collection. We recognize the twelve (12) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Description of Information	Collected	Shared
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license or other similar identifiers.	YES	YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, employment, bank account number, credit card number, debit card number, or other financial information. Some personal information included in this category may overlap with other categories.	YES	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, national origin, citizenship, marital status, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	NO	NO
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	YES	YES
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.	YES	YES
G. Geolocation data.	Physical location or movements.	YES	YES
H. Sensory data.	Audio information (including voice recordings).	YES	YES
I. Professional or employment-related information.	Current or past job history or performance evaluations.	NO	NO
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO	NO
K. Inferences drawn from other personal information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	NO	NO
L. Sensitive Personal Information	Any information that reveals a consumer’s SSN, driver’s license number, or passport number, account credentials, precise geolocation, racial and ethnic origin, religious beliefs, biometric data, personal information concerning a consumer’s health or sex life or sexual orientation, as well as contents of mail, e-mail and text messages	YES	YES

 

Personal information does not include publicly available information from government records, information relating to our job applicants, employees, contractors or other personal, de-identified or aggregated consumer information, or information otherwise legally excluded from the scope, such as information collected pursuant to the GLBA.

Information Shared for Business Purposes. In the preceding twelve (12) months, we have disclosed the following categories of personal information to the third parties listed above for a business purpose:

• Category A: Identifiers.
• Category B: California Customer Records personal information categories.
• Category C: Protected Classifications
• Category E: Biometric Information
• Category F: Internet or other similar network activity.
• Category G: Geolocation data.
• Category H: Sensory data
• Category L: Sensitive Personal Information

Right to Know.

As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; (iv) the categories of third parties with which the business shares personal information, (v) whether we have disclosed your personal information for a business purpose, and, if so, the categories of personal information received by each category of third-party recipient; and (vi) whether we’ve sold your Personal Information, and if so, the categories of Personal Information received by each category of third party recipient.

Additional Privacy Rights.

You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.

Right to Non-Discrimination.

We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service. Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at [email protected]. We will work with you to provide this notice in an alternative format.

Authorized Agent.

California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.

How to Submit Your Request for Specific Information.

You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to [email protected] or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Delete Information.

You can request the categories of information we have on file or deletion of information. available on our request form available here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

How to Exercise Your Right to Opt-Out of Sale or Sharing of Your Information.

Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “Do Not Sell My Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification. DO NOT SELL OR SHARE MY PERSONAL INFORMATION

However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.

For additional details on the personal information we collect, with examples and categories of third-parties to which information may be disclosed, please click here.

California Disclosures

California Law requires us to provide certain disclosures to users of this Website. Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at [email protected]. Please note that this section does not prohibit disclosure made for non-marketing purposes.

Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, VIPRev, LLC does not respond to do-not-track browser settings or signals.

Other States. If you live in a state other then California that affords you additional rights in connection with your personal information, you may have additional choices about your personal information.

Your Choices Regarding Your Personal Information; Opting Out

Unsubscribing to Marketing Communications. If you no longer wish to receive bulletins, updates, or other marketing-related materials from us, you can opt out of this Service by either (i) following the “unsubscribe” instructions located near the bottom of each email message, or (ii) contacting us as provided in the Contact Us section below. 

Access, Deletion, and Do-Not-Sell Requests. You may have certain rights regarding the information we collect and share with third parties. To exercise those rights, please contact us at [email protected] or submit a request here. 

Right to Limit Use of Personal Information. You have the right to limit the use of your personal information as that term is defined under applicable law and we will treat that request as a revocation of your consent for us to collect and process your personal information and will delete your personal information subject to any exemptions available under applicable law.

We will process requests to limit our use of personal Information within 15 business days subject to any applicable exceptions and extension permitted by law.

You may exercise your request to limit the use of personal information by emailing us at [email protected] or submitting a request here.  You may also designate an authorized agent to act on your behalf as described above.

Information regarding your data rights. Specifically, we provide the following rights with respect to your personal information:

Copies of Personal Information. You may request a copy of the following: (i) the categories of personal information we collected about you; (ii) the categories of sources from which the personal information is collected; (iii) the business or commercial purpose for collecting or selling (if applicable) the personal information; (iv) the categories of third parties with whom we share personal information; and (v) the specific pieces of personal information we have collected about you.

Deletion of Personal Information. You may request that we delete your personal information. Note that deletion requests are subject to a number of limitations, for example, we may keep personal information as permitted by law, such as for tax or other record keeping purposes, to maintain an active account, to process transactions and facilitate customer requests, and for other internal business purposes consistent with the terms under which it was collected.

Do-Not-Sell Requests. You may request that we do not share or sell your personal information with third parties to be used for purposes not described in this Privacy Policy. The CCPA, for example, refers to this as a “Do Not Sell” or a “Do Not Sell or Share” request. VIPRev only seeks to share personal information with service providers and others described above for purposes identified in this Privacy Policy. Please note, however, that online activity information or anonymous information collected by service providers providing pixels or other third-party technologies on our Website could potentially be used by those service providers for their own purposes, some of whom may be able to associate such information with you based on other information they have collected independently (not from VIPRev). We will endeavor to block such sharing upon request.

Submission of Requests. You can submit any of these requests by e-mailing us at [email protected] or by visiting our “do not sell or share” form here. You may authorize another person (your “Agent“) to submit a request on your behalf the same way. Shortly after you (or your Agent) submit a request, we will contact you (usually via email) with instructions on how to verify the submitted request before we fulfill it or advise you of an exemption. 

Response to Requests. Please be advised that VIPRev will fulfill these requests in its reasonable discretion and in a manner consistent with any applicable law. Likewise, we will aim to complete such requests as soon as reasonably practicable and in a manner consistent with applicable law. If you otherwise have concerns or objections with our processing of your Personal Information, please email us at [email protected]. 

Anonymous or Aggregated Information. We will not delete anonymous or aggregated information from our database other than in the regular course of business, and nothing in this Privacy Policy restricts our use of such.

Contact Us

If you have any further questions about this Privacy Policy or our practices, please contact us at [email protected].

PLEASE PRINT A COPY OF THIS ONLINE PRIVACY POLICY FOR YOUR RECORDS.