HOW WE USE YOUR INFORMATION
We use, store and process your information to provide and improve our Services and ensure a secure, safe and trusted experience. For example, we use information that we collect about you or that you provide to us, as follows:
All categories of personal information are collected:
- To provide you the Services you request and enable both affiliates and non-affiliated third parties to provide additional services to you.
- To operate, maintain and improve the Services and create new features and functionality.
- For fraud detection and information security.
Internet activity is also collected:
- To understand and analyze usage trends and preferences of our users across different devices.
- We may also use Cookie Information and Automatically Collected Information to: (a) personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Services; (b) pre-fill forms; (c) provide customized advertisements, content, and information across your devices; (d) monitor and analyze the effectiveness of Services and third-party marketing activities; (e) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and (f) track your entries, submissions, and status in any promotions or other activities.
Identifiers, like your email address or other identifiers are also collected:
- (a) to contact you for administrative purposes such as customer service and (b) to send you promotional materials, offers, and/or messages related to the Services and the activities of affiliates and third parties we work with. Generally, you can opt out of receiving promotional communications, through links provided in the messages, or by contacting us directly at notifications@sprovia.com
HOW WE SHARE YOUR INFORMATION
We may disclose all categories of personal information that we collect or you provide, as well as information that you provide to us about third parties, as described in this Policy:
- To our subsidiaries and affiliates.
- To other service providers and third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
- To third parties to market their products or services to you if you have not opted out of these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION below.
- To fulfill the purpose for which you provide it.
- For any other purpose disclosed by us when you provide the information.
- With your consent.
We may disclose your information in connection with providing the Services and the operation of our business. For example, we may share identifiers, such as name, email, address and other identifying information, with both affiliates and nonaffiliated third-party service providers to verify your identity in connection with your use of certain aspects of the Services.
We may share identifiers, customer records, commercial information, inferences drawn from other personal information; and sensitive personal information collected directly from you with both affiliates and nonaffiliated third-party lending partners or third-party service providers in connection with your use of specific aspects of the Services, including but are not limited to: when you obtain loans or report a complaint about a product or a third-party lending partner featured on our Website; we may forward your information or complaints to that lending partner.
We may share internet activity and automatically collected information, such as IP address and Clickstream Data as well as de-identified information, with advertising partners, research and development partners, and nonaffiliated third-party lending partners when you leave our website to go to a third-party lender site to request information or apply for financial products.
We may share your information with third-party service providers to support our internal and business operations. In such cases, service providers may use the information only as necessary to provide the services to us and are contractually required to keep your information confidential and secure. For example:
- For website, application development, hosting, data storage, maintenance, and other services for us.
- For internal marketing, delivery of emails, including promotional, marketing and transactional materials, delivery of other promotional materials, including via postal mailers, SMS and text messaging, and online and social media promotions and advertising.
- For fraud prevention and security purposes.
We may share de-identified and/or aggregate analytics with third-party partners about how users interact with our Services, including usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Service.
We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.
If you submit a request for information or otherwise use our Services, you consent to the disclosure of your information to affiliates and third parties in order for us to carry out your request. The collection and use of your information by third parties is subject to each third party’s specific privacy policy and terms of use. Sprovia has no control over the means by which third parties further use or disclose your information.
If you submit a request for information or otherwise use our Services, a third-party service provider may directly contact you with quotes or information via telephone, auto-dialed prerecorded calls, SMS, fax, and/or email. You may also receive telemarketing calls as a result of submitting the request, even if you are on the National Do Not Call Registry or any other similar registry.
Do not submit a request for information or otherwise use our Services if you do not want your personal information shared as described above. Once you have submitted a request using our Services and we have shared your information as described above, the terms of the third party’s privacy policy will apply to that party’s use of your information.
You may, of course, decline to share certain information with us, in which case we may not be able to provide you with some of the features and functionality of the Services.
You have the option to refuse any offers for services provided after you submit a request to a third party using our Services. We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets.
We may disclose personal information to a third party during negotiations of, in connection with or as an asset in such a corporate business transaction. Personal information may also be disclosed in the event of insolvency, bankruptcy, or receivership.
THIRD PARTY USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES
Some content or applications, including advertisements, on the Website are served by third parties, including advertisers, ad networks and servers, financial service providers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.
If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION below.
CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION
We strive to provide you with choices regarding the User Information you provide to us and that we collect. We have created mechanisms to provide you with the following control over your information:
Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Promotional Offers from Sprovia; Disclosure of Your Information for Third-Party Advertising. If you do not wish to have your email address/contact information used by Sprovia to promote our own, affiliates or third parties’ products or services or do not want us to share your User Information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by sending us an email stating your request to notifications@sprovia.com. If we have sent you a promotional email, you use the “Unsubscribe” link in the email to opt-out of such communications.
Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt-out by sending us an email stating your request to notifications@sprovia.com
These third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from Google by visiting https://adssettings.google.com/authenticated and from members of the Network Advertising Initiative (“NAI”) by visiting the NAI’s website.
Residents of certain states may have additional personal information rights and choices. Please see the section State Privacy Rights below for more information.
ACCESSING AND CORRECTING YOUR INFORMATION
You may send us an email at notifications@sprovia.com to request access to, correct or delete any User Information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
STATE PRIVACY RIGHTS
As residents of certain states, you may have additional rights and choices regarding your personal information as described below.
Right to Know/Access: You may have the right to send us a verifiable request asking that we disclose to you the categories or specific pieces of personal information we have collected, used, disclosed and sold about you.
Right to Request Deletion: You may have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
Right to Correction: You may have the right to request that we correct any inaccurate personal information we may hold about you. We will use commercially reasonable efforts to correct inaccurate personal information, taking into account the nature of the personal information and the purpose for our processing.
Right to Opt-Out of Sale/Sharing: As described above, we use cookies and other tracking technologies to collect and disclose your personal information directly from your browser or device when you visit or interact with our Service or otherwise engage with us online. In some cases, we may upload personal information to certain of these partners for targeted advertising or analytics purposes. This is considered the “sales” or “sharing” of personal information under certain applicable U.S. state privacy laws, including the California Consumer Privacy Act (CCPA).
Right to Appeal: You may have the right to request an appeal of a decision regarding your privacy rights.
Verifying Requests: We may need to verify your identity before processing your request. Only you, or someone legally authorized to act on your behalf, may make a request related to your personal information. To designate an authorized agent to make a request on your behalf, please fill out our Consumer Declaration of Identity Form or provide us with another legally binding written document signed by you and identifying your agent. We may also verify the identity of your designated agent.
Non-Discrimination: We will not discriminate against you for exercising any of your rights.
Sensitive Personal Information: Certain data elements we collect and use to provide the Service may be deemed “sensitive personal information” under the law. These include government identifiers and information providing access to a financial account. We do not use or disclose such sensitive personal information to “infer” characteristics as defined under applicable law, such as the CCPA, or for any purpose other than that which is necessary to provide the Service (as specified in the CCPA).
California’s Shine the Light Law: California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to notification@sprovia.com
DATA SECURITY
We have implemented measures designed to secure your User Information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls and will be encrypted using SSL technology.
RETENTION PERIOD
We will generally retain information about you for so long as we have a legal or business purpose for it or a legal requirement to maintain it. The criteria used to determine our retention periods include:
- The length of time we have an ongoing relationship with you and provide services to you (for example, for as long as you are a client, prospective client, or keep using our services) and the length of time thereafter during which we may have a legitimate need to reference your personal information to address issues that may arise;
- Whether there is a legal or ethical obligation to which we are subject (for example, certain laws require us to keep records for a certain period of time before we can delete them); or
- Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).
CHANGES TO OUR PRIVACY POLICY
It is our policy to post any changes we make to the Policy on this page with a notice that the Policy has been updated on the Website home page. If we make material changes to how we treat User Information, we will notify you by email to the primary email address we have on file or through a notice on the Website home page. The date the Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Policy to check for any changes.
CONTACT INFORMATION
To ask questions or comment about this Policy and our privacy practices, contact us at: notifications@sprovia.com
