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Affirm (en) - Privacy Policy Feb 12, 2016 | 1.62%
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0 Last updated August 20, 2014 Last Updated February 18, 2016
1 Affirm Privacy Policy Affirm Privacy Policy
2 PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS Affirm, INC. (“Affirm”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES"). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it. PLEASE READ THIS PRIVACY POLICY CAREFULLY. THIS POLICY DESCRIBES THE WAYS Affirm, INC. (“Affirm”, “we”, “us”, “our”) OR OUR VENDORS COLLECT, PROTECT, USE AND STORE YOUR PERSONAL INFORMATION. YOU ACCEPT THIS PRIVACY POLICY BY USING OUR PRODUCTS AND SERVICES ON OUR WEBSITE OR THROUGH ANY OTHER MEANS (COLLECTIVELY THE “SERVICES"). We may amend this Privacy Policy at any time by posting a revised version on our website. We will attempt to give a reasonable notice period upon making any changes; however, unless otherwise stated, the revised version will be effective at the time we post it.
3 1. How Affirm collects your information. 1. How Affirm collects your information.
4 1.1. Information You Give Affirm. 1.1. Information You Give Affirm.
5 If you open an account or use the Affirm Service, we may collect the following types of information: Personal information - your name, Social Security number, address, phone, email, third-party application IDs, and other similar information. Financial information - bank account numbers and/or credit card numbers that you link to your Affirm account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, social security number and other personal information. We may use this information to verify your identity or other information you provide. If you open an account or use the Affirm Service, we may collect the following types of information: Personal information - your name, Social Security number, address, phone, email, third-party application IDs, and other similar information. Financial information - bank account numbers and/or credit card numbers that you link to your Affirm account or give us when you use the Services. Before permitting you to use the Services, we may require you to provide additional information, including but not limited to your date of birth, social security number and other personal information. We may use this information to verify your identity or other information you provide.
6 1.2. Information Affirm Learns From Your Use. 1.2. Information Affirm Learns From Your Use.
7 When you visit the Affirm website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or though interactions with our affiliates. When you visit the Affirm website or use the Services, we may collect information sent to us by your computer, mobile phone or any other device. This information may include your IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information, such as your browser type, traffic to and from our site, the pages you accessed on our website, and any other available information. We may also collect information about your use and interaction with our website, application or the Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity that may affect the availability of the Services. When you use the Services, we may also store information based on your usage history. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information, and cookies that may uniquely identify your browser or your account. We may also collect information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates.
8 1.3. Cookies and Anonymous Identifiers. 1.3. Cookies and Anonymous Identifiers.
9 We use various technologies to collect and store information when you use the Services, and this may include sending one or more cookies or anonymous identifiers to your device. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or Affirm features that may appear on other sites and in any other manner that we deem necessary for our business purposes. We use various technologies to collect and store information when you use the Services, and this may include sending one or more cookies or anonymous identifiers to your device. We also use cookies and anonymous identifiers when you interact with the services we offer to our partners, such as advertising services or Affirm features that may appear on other sites and in any other manner that we deem necessary for our business purposes.
10 1.4. Information Obtained From Third Parties. 1.4. Information Obtained From Third Parties.
11 We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Affirm account and authorizing Affirm to have access to this information, you agree that Affirm may collect, store and use this information in accordance with this Privacy Policy. We may also obtain information about you from third parties such as credit bureaus and identity verification services. You may choose to provide us with access to certain personal information stored by third parties such as social media sites (such as Facebook and Twitter). The information we have access to varies by site and is controlled by your privacy settings on that site and your authorization. By associating an account managed by a third party with your Affirm account and authorizing Affirm to have access to this information, you agree that Affirm may collect, store and use this information in accordance with this Privacy Policy.
12 2. How Affirm protects your information. 2. How Affirm protects your information.
13 2.1. Safety Policies. 2.1. Safety Policies.
14 Affirm stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees who require it to fulfill the responsibilities of their jobs. Affirm stores and processes your information maintaining physical, electronic and procedural safeguards. We maintain physical security measures to guard against unauthorized access to systems and use safeguards such as firewalls and data encryption. We enforce physical access controls to our buildings, and we authorize access to personal information only for those employees who require it to fulfill the responsibilities of their jobs.
15 3. How Affirm uses your information. 3. How Affirm uses your information.
16 3.1. To Improve Our Service. 3.1. To Improve Our Service.
17 Affirm uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information. Affirm uses information to perform and improve our services, contact you, conduct research, and provide anonymous reporting for clients. For example, we may use information to provide customer service and support, process transactions, resolve disputes, collect payments, prevent illegal activities, customize the Services, reduce risk to all parties involved in our transactions, and verify the accuracy of information.
18 3.2. To Serve Relevant Marketing to You. 3.2. To Serve Relevant Marketing to You.
19 We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising. We may use information to deliver targeted marketing, service update notices, and promotional offers based on your communication preferences. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, content, and advertising.
20 4. When Affirm shares your information. 4. When Affirm shares your information.
21 4.1. For Our Everyday Business Purposes. 4.1. For Our Everyday Business Purposes.
22 We share your personal information with employees, affiliates, vendors, partners and third parties as required to offer the Affirm Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus. We share your personal information with employees, affiliates, vendors, partners and third parties as required to offer the Affirm Service. This includes, but is not limited to, processing transactions, maintaining your account, responding to court orders and legal investigations, litigation purposes, complying with audits or other investigations, and reporting to credit bureaus.
23 4.2. When Required By Law. 4.2. When Required By Law.
24 We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity. We will share your information with any party when required by law or by a government request to do so or to combat fraud or criminal activity.
25 5. How Affirm does NOT use your information. 5. How Affirm does NOT use your information.
26 5.1. Selling Information to Third Parties. 5.1. Selling Information to Third Parties.
27 We don't sell or rent your personal information to third parties. We don't sell or rent your personal information to third parties.
28 6. What are your options? 6. What are your options?
29 6.1. Notifications. 6.1. Notifications.
30 If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing help@affirm.com. Affirm reserves the right to close your account should you opt of the crucial notices that are required to perform the Affirm Service. If you no longer wish to receive notifications about our Services, you may change your notification preferences by emailing help@affirm.com. Affirm reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Affirm Service. You are still responsible for any amounts due to Affirm even if we close or limit access to your account.
31 6.2. SMS Messaging. 6.2. SMS Messaging.
32 You can opt out of receiving SMS messages by emailing help@affirm.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Affirm reserves the right to close your account should you opt of the crucial notices that are required to perform the Affirm Service. You can opt out of receiving SMS messages by emailing help@affirm.com. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Affirm reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Affirm Service. You are still responsible for any amounts due to Affirm even if we close or limit access to your account.
33 6.3. Access Your Information. 6.3. Access Your Information.
34 You can review and edit your personal information at any time by logging in to your account on the Website or by contacting us at help@affirm.com. You can also request to close your account by contacting us at help@affirm.com. If you close your Affirm account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy. You can review and edit your personal information at any time by logging in to your account on the Website or by contacting us at help@affirm.com. You can also request to close your account by contacting us at help@affirm.com. If you close your Affirm account, we will mark your account in our database as “Closed,” but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Policy.
35 6.4. Contact Affirm. 6.4. Contact Affirm.
36 If you have questions or concerns regarding this Privacy Policy, you should contact us at help@affirm.com . If you have questions or concerns regarding this Privacy Policy, you should contact us at help@affirm.com .
37 Rev. 12/2015 Rev. 12/2015
38 Affirm Privacy Notice Affirm Privacy Notice
39 Facts Facts
40 What does Affirm, Inc. do with your personal information? What does Affirm, Inc. do with your personal information?
41 Why? Why?
42 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. 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.
43 What? What?
44 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 account balances 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 account balances
45 - Transaction history and account transactions - Transaction history and account transactions
46 - Credit scores and checking account information - Credit scores and checking account information
47 When you are no longer our customer, we continue to share your information as described in this notice. When you are no longer our customer, we continue to share your information as described in this notice.
48 How? How?
49 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 Affirm, Inc. chooses to share; and whether you can limit this sharing. 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 Affirm, Inc. chooses to share; and whether you can limit this sharing.
50 Reasons we can share your personal information Reasons we can share your personal information
51 Does Affirm, Inc. share? Does Affirm, Inc. share?
52 Can you limit this sharing? Can you limit this sharing?
53 For our everyday business purposes-- For our everyday business purposes--
54 such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
55 Yes Yes
56 No No
57 For our marketing purposes-- For our marketing purposes--
58 to offer our products and services to you to offer our products and services to you
59 Yes Yes
60 No No
61 For joint marketing with other financial companies For joint marketing with other financial companies
62 No No
63 We don't share We don't share
64 For our affiliates' everyday business purposes-- For our affiliates' everyday business purposes--
65 information about your transactions and experiences information about your transactions and experiences
66 No No
67 We don't share We don't share
68 For our affiliates' everyday business purposes-- For our affiliates' everyday business purposes--
69 information about your creditworthiness information about your creditworthiness
70 No No
71 We don't share We don't share
72 For nonaffiliates to market to you For nonaffiliates to market to you
73 No No
74 We don't share We don't share
75 Questions? Questions?
76 Call 855-423-3729 or email help@affirm.com Call 855-423-3729 or email help@affirm.com
77 Who we are Who we are
78 Who is providing this notice? Who is providing this notice?
79 Affirm, Inc. Affirm, Inc.
80 What we do What we do
81 How does Affirm, Inc. protect my personal information? How does Affirm, Inc. protect my personal information?
82 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. 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.
83 How does Affirm, Inc. collect my personal information? How does Affirm, Inc. collect my personal information?
84 We collect your personal information, for example, when you We collect your personal information, for example, when you
85 - Apply for a loan or open an account - Apply for a loan or open an account
86 - Provide account information or pay your bills - Provide account information or pay your bills
87 - Use your credit or debit card - Use your credit or debit card
88 We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
89 Why can't I limit all sharing? Why can't I limit all sharing?
90 Federal law gives you the right to limit only Federal law gives you the right to limit only
91 - sharing for affiliates' everyday business purposes--information about your creditworthiness - sharing for affiliates' everyday business purposes--information about your creditworthiness
92 - affiliates from using your information to market to you - affiliates from using your information to market to you
93 - sharing for nonaffiliates to market to you - sharing for nonaffiliates to market to you
94 State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
95 Definitions Definitions
96 Affiliates Affiliates
97 Companies related by common ownership or control. They can be financial and nonfinancial companies. Companies related by common ownership or control. They can be financial and nonfinancial companies.
98 - Affirm, Inc. does not share with our affiliates. - Affirm, Inc. does not share with our affiliates.
99 Nonaffiliates Nonaffiliates
100 Companies not related by common ownership or control. They can be financial and nonfinancial companies. Companies not related by common ownership or control. They can be financial and nonfinancial companies.
101 - Nonaffiliates we can share with include our marketing service providers. - Nonaffiliates we can share with include our marketing service providers.
102 Joint marketing Joint marketing
103 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
104 - Affirm, Inc. doesn't jointly market. - Affirm, Inc. doesn't jointly market.
105 Rev. 11/2015 Rev. 11/2015
106 Cross River Bank Privacy Notice Cross River Bank Privacy Notice
107 Facts Facts
108 What does Cross River Bank do with your personal information? What does Cross River Bank do with your personal information?
109 Why? Why?
110 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. 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.
111 What? What?
112 The types of personal information we collect and share depend on the product or service you have with us. This information can include: The types of personal information we collect and share depend on the product or service you have with us. This information can include:
113 - Social Security number and Account balances - Social Security number and Account balances
114 - Payment history and Transaction history - Payment history and Transaction history
115 - Account transactions and Wire transfer instructions - Account transactions and Wire transfer instructions
116 How? How?
117 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 Cross River Bank chooses to share; and whether you can limit this sharing. 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 Cross River Bank chooses to share; and whether you can limit this sharing.
118 Reasons we can share your personal information Reasons we can share your personal information
119 Does Cross River Bank share? Does Cross River Bank share?
120 Can you limit this sharing? Can you limit this sharing?
121 For our everyday business purposes-- For our everyday business purposes--
122 such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
123 Yes Yes
124 No No
125 For our marketing purposes-- For our marketing purposes--
126 to offer our products and services to you to offer our products and services to you
127 No No
128 We don't share We don't share
129 For joint marketing with other financial companies For joint marketing with other financial companies
130 Yes Yes
131 No No
132 For our affiliates' everyday business purposes-- For our affiliates' everyday business purposes--
133 information about your transactions and experiences information about your transactions and experiences
134 No No
135 We don't share We don't share
136 For our affiliates' everyday business purposes-- For our affiliates' everyday business purposes--
137 information about your creditworthiness information about your creditworthiness
138 No No
139 We don't share We don't share
140 For nonaffiliates to market to you For nonaffiliates to market to you
141 Yes Yes
142 Yes Yes
143 To Limit Our Sharing To Limit Our Sharing
144 Call 1-877-55CRB55 - our menu will prompt you though your choices. Call 1-877-55CRB55 - our menu will prompt you though your choices.
145 Please note: Please note:
146 If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
147 However, you can contact us at any time to limit our sharing. However, you can contact us at any time to limit our sharing.
148 Questions? Questions?
149 Call toll-free 1-877-55CRB55 or go to www.crossriverbank.com Call toll-free 1-877-55CRB55 or go to www.crossriverbank.com
150 What we do What we do
151 How does Cross River Bank protect my personal information? How does Cross River Bank protect my personal information?
152 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
153 How does Cross River Bank collect my personal information? How does Cross River Bank collect my personal information?
154 We collect your personal information, for example, when you We collect your personal information, for example, when you
155 - Open an account or Apply for a loan - Open an account or Apply for a loan
156 - Make deposits or withdrawals from your account or Provide employment information - Make deposits or withdrawals from your account or Provide employment information
157 - Give us your contact information - Give us your contact information
158 We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
159 Why can't I limit all sharing? Why can't I limit all sharing?
160 Federal law gives you the right to limit only Federal law gives you the right to limit only
161 - sharing for affiliates' everyday business purposes--information about your creditworthiness - sharing for affiliates' everyday business purposes--information about your creditworthiness
162 - affiliates from using your information to market to you - affiliates from using your information to market to you
163 - sharing for nonaffiliates to market to you - sharing for nonaffiliates to market to you
164 State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
165 What happens when I limit sharing for an account I hold jointly with someone else? What happens when I limit sharing for an account I hold jointly with someone else?
166 Your choices will apply to everyone on your account. Your choices will apply to everyone on your account.
167 Definitions Definitions
168 Affiliates Affiliates
169 Companies related by common ownership or control. They can be financial and nonfinancial companies. Companies related by common ownership or control. They can be financial and nonfinancial companies.
170 - Cross River Bank does not share with our affiliates. Our affiliates include CRB Group, Inc., CRB Investment Company, Inc., CRB RET Inc. - Cross River Bank does not share with our affiliates. Our affiliates include CRB Group, Inc., CRB Investment Company, Inc., CRB RET Inc.
171 Nonaffiliates Nonaffiliates
172 Companies not related by common ownership or control. They can be financial and nonfinancial companies. Companies not related by common ownership or control. They can be financial and nonfinancial companies.
173 - Nonaffiliates we share with can include loan finance companies. - Nonaffiliates we share with can include loan finance companies.
174 Joint marketing Joint marketing
175 A formal agreement between nonaffiliated financial companies that together market financial products or services to you. A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
176 - Our joint marketing partner(s) include loan finance companies. - Our joint marketing partner(s) include loan finance companies.
177 Other important information Other important information
178 Special Notice For State Residents Special Notice For State Residents
179 For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Alaska, Illinois, Maryland and North Dakota Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
180 For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For California Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.
181 For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Massachusetts, Mississippi and New Jersey Customers. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.
182 For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization. For Vermont Customers. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization, and we will not share personal information with affiliates about your creditworthiness without your authorization.